Source: https://www.ncsecu.org/rates-fees/account-rates.html
Read: 2026-10-22T04:54:13.000Z

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Home Rates & Fees Share & Deposit Account Rates
Share & Deposit Account Rates
Explore all of our account rates, including Checking and Share Accounts, Share Term Certificates, and more.
Checking accounts
Share accounts
STCs
Tax-advantaged accounts
Account | Minimum opening deposit | Dividend rate2 and APY Checking | No deposit | 0.10% / 0.10% APY Zard® | No deposit | 0.10% / 0.10% APY
Rates as of 1/30/25
Disclosures
Open account
Account | Minimum opening deposit | Dividend rate2 and APY Share | $25 | 0.25% / 0.25% APY Zard Share | $25 | 0.25% / 0.25% APY FAT CAT® Share3 | $5 | 0.25% / 0.25% APY Money Market Share | $250 | 2.18% / 2.20% APY Summer Cash4 | No minimum | 3.68% / 3.75% APY Holiday Cash Club | No minimum | 0.25% / 0.25% APY
Rates as of 10/1/26
Disclosures
Open account
Account term | Minimum opening deposit | Interest rate2 and APY 6 months | $250 | 3.85% / 3.85% APY 12 months | $250 | 4.00% / 4.00% APY 18 months | $250 | 4.30% / 4.30% APY 24 months | $250 | 4.30% / 4.30% APY 30 months | $250 | 4.00% / 4.00% APY 36 months | $250 | 4.00% / 4.00% APY 48 months | $250 | 4.00% / 4.00% APY 60 months | $250 | 4.00% / 4.00% APY
Rates as of 10/1/26
Disclosures
Open account
Account | Minimum opening deposit | Dividend rate2 and APY IRA (Traditional, Roth, SEP) | $25 | 3.50% / 3.56% APY Coverdell Education Savings Account | $25 | 3.50% / 3.56% APY Health Savings Account | No deposit | 3.50% / 3.56% APY
Rates as of 10/1/26
Disclosures
Open account
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Learn about the fees associated with your SECU account(s) in one convenient place.
Account Disclosures 
View our Account Rules and Regulations, Fees and Terms, and card disclosures.
Account Rate Summary 
Review our Share & Deposit Rates document.
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Disclosures
Dividend rates and annual percentage yields (APYs) for Checking, Share (excluding the Summer Cash Share), and tax-advantaged accounts are variable and subject to change daily at the discretion of the Board of Directors.
For all dividend-bearing accounts (excluding Money Market Share), dividends accrue when the account balance is greater than zero. The minimum balance to earn interest on Share Term Certificates and dividends on Money Market Share Accounts is $250. Fees may reduce the earnings on the account.
Once the account balance reaches $25, the $25 minimum Share Account balance must be maintained.
The Summer Cash Account dividend rate and APY are not subject to change daily. The APY is established each program year to equal to the 12-month STC rate on August 1, regardless of when the account is opened, and remains in effect until the next adjustment period. The rate adjusts each program year on August 1 for June-July accounts and September 1 for July-August accounts.
Interest rates and APYs are fixed for the term of the certificate. Rates, minimum deposit requirements, and maturity dates for new accounts are subject to change daily at the discretion of the Board of Directors. Fees or penalties imposed for early withdrawal may reduce earnings on the account.
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