Open A Savings Account

A 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 carries a set of features and benefits.

Savings Account Options:

Account Minimum
Balance to Open
Standard Monthly Fee
Primary Savings




Holiday Savings




Other Secondary




Special Purpose




**Pays dividends monthly, calculated on the daily balance. View Current Deposit Rates Here.

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 on loans and deposits than banks. We like to think we set the standard for excellent member care, too. Join us – you’ll have the same access to your money that you have with a big bank, but will enjoy the one-on-one service you can only get from a truly local financial institution.


Other types of savings accounts:

Holiday Savings
Short on cash during the holidays? Set up a recurring transfer from your primary accounts to help you save throughout the year. We will transfer the total balance of a Holiday Account back to your primary account in October.
Special Purpose Savings
A special purpose savings account is just that- an account to help you save for any purpose that you see fit. Saving for a vacation? Saving for a new car? This additional savings account can help you keep these funds separate.

Current dividend rates

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.

You Can Get Started Online!

Fill our the form below to fill out an online application for a savings account. A member of our team will contact you within one business day. You will still need to come in to complete account opening – it only takes about 10 minutes!

Open In Person

Visit an NCCFCU branch to open a savings account in person.

Locations and Hours

When you come to complete your account opening, 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.
Social Security
Social Security card OR government issued document (tax return, w2, etc.) listing your FULL social security number


Savings Account Application

Step 1 of 8 - Eligibility and Account Type

  • Eligibility and Account Type

    Indicate your eligibility for membership and indicate the type(s) of account(s) you would like to open.
  • If you are a new member, we will open all of your accounts at the same time.