Primary Savings Account

Our Primary Savings Account Is The Basis For All Other Banking Relationships At NCCFCU.

All other account relationships fall under the primary savings account. When you open a Primary Savings account with $1, you become a member-owner of Your Community Credit Union. As long as you maintain this balance, you are entitled to request other accounts and services.

Your Community Credit Union savings accounts are passbook-type accounts. Your primary account number is also called your ‘Member Number’ and is used to identify all your account relationships. Most other accounts carry this same number plus a 2-digit suffix. Each suffix gives a set of features and benefits.

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.

Why Join?

Unlike a bank, Your NC Community Credit Union is not for profit. Our members are shareholders and our profits get returned to our members in the form of lower fees and better interest rates. We like to think we set the standard for excellent member care, too. Join us!

Membership Eligibility

You must live, work, worship or attend school in Wayne County, North Carolina to be eligible to join and open accounts with Your NC Community Credit Union.

When opening an account in branch, 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.

Other Savings Account Options:

*Pays dividends monthly, calculated on the daily balance.

Holiday Savings

  • $5.00 Balance to Open
  • No Monthly Fee
  • Plus Dividends*

Special Purpose Savings

  • $5.00 Balance to Open
  • No Monthly Fee
  • Plus Dividends*

Secondary Savings

  • $5.00 Balance to Open
  • No Monthly Fee
  • Plus Dividends*

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.