Money Market Checking Account

Maximize Your Earning Power!

Our Money Market Checking account is tiered, paying a higher rate for a higher balance. When you want to keep larger amounts of money immediately available for emergencies but want to earn more than normal savings rates, take a look at our Money Market Account. Maximize your earning power and keep your money available with this high-yielding account.

I am a New Member

Apply online in 3 simple steps and start saving today with NCCFCU!

I am an Existing Member

Sign in to Online Banking to request a new account with NCCFCU.

What Is A Money Market Checking Account?

Want more than a basic saving account? Our Money Market Checking Account is for you! You may make an unlimited number of withdrawals in person. Transfers and other preauthorized withdrawals are limited to 6 per month, no more than three of these being by check, debit card, or similar method. Law requires us to impose a fee for excessive withdrawals/ transfers – ours is $10 per item – and requires that your account be closed for repeated abuse.

Money Market Checking Benefits

  • $1,000 Balance to Open
  • No Monthly Fee
  • *Plus dividends
*Pays dividends monthly, calculated on the daily balance.

Open Your Account in person

Bring the following:

Valid Driver’s License
If your driver’s license DOES NOT list your current address, please bring a recent utility bill, cell phone bill, bank statement or lease agreement detailing your current address. Other acceptable primary documents include: U.S. or Foreign Passport, U.S. State Issued Identification, Military Identification, Permanent Registration Car and/or US Visa.

SSN
You are not required to have your Social Security Card when you come in to open an account. To open a checking account we will need to verify your name, date of birth, address, and Social Security Number.

Current Deposit Rates

Dividend Rates and Minimum Balances

ACCOUNTRATE
(APY*)
YIELD
(APY*)
MIN. TO OPEN
Share Savings,
Christmas Club,
Special Purpose
0.05%0.10%$1.00
Share Bear Club0.05%0.25%$1.00
WorkPerks™ Checking
$0 - $2,499
0.00%0.00%$25.00
WorkPerks™ Checking
$2,500 +
0.05%0.05%$25.00
Select Checking
$0 - $2,499
0.00%0.00%$100.00
Select Checking
$2,500 +
0.05%0.05%$100.00
IRA Passbook Savings0.05%0.05%$25.00
Money Market Savings Account /
Cash Management Checking
$1,000 to $14,999
0.01%0.01%$1,000
Money Market Savings Account /
Cash Management Checking
$15,000 to $100,000
0.07%0.07%$1,000
Money Market Savings Account /
Cash Management Checking
>$100,000
0.15%0.15%$1,000
*APY is Annual Percentage Yield. Rates subject to change without notice.

Membership Eligibility

You must live, work, worship or attend school in Wayne County, North Carolina to be eligible to join and open accounts with us. If you are a new member, we will open you’re required Primary Savings (membership) account (you just need $1 to open this) when we open your certificate.