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 North Carolina Community Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
North Carolina Community Federal Credit Union's 60 Month IRA/Tiered CDs rates are at 0.75%, 36 Month IRA/Tiered CDs rates are at 0.40%, 24 Month IRA/Tiered CDs rates are at 0.30%, 12 Month IRA/Tiered CDs rates are at 0.18%, 6 Month IRA/Tiered CDs rates are at 0.18%. North Carolina Community Federal Credit Union's savings rates are at 0.05%. North Carolina Community Federal Credit Union's checking rates are as high as 0.05%. North Carolina Community Federal Credit Union's Auto Loan Rates are as low as 4.94%. North Carolina Community Federal Credit Union's CD rates are 87% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of North Carolina Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.58%. Rates last updated and verified on 10/29/2026. North Carolina Community Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at North Carolina Community Federal Credit Union? Share your experience about North Carolina Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use North Carolina Community Federal Credit Union. North Carolina Community Federal Credit Union
Main Branch 2401 E Ash St
https://www.nccfcu.org Goldsboro, NC 27534-7513  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. North Carolina Community Federal Credit Union CD Rates
North Carolina Community Federal Credit Union Savings Rates
North Carolina Community Federal Credit Union Checking Rates
North Carolina Community Federal Credit Union Auto Loan Rates
North Carolina Community Federal Credit Union RV, Boat and Powersport Loan Rates
North Carolina Community Federal Credit Union Other Rates
Financial Health HistoryNorth Carolina Community Federal Credit Union’s Texas Ratio stayed near 0.61% in Q3 2023 to 0.58% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for North Carolina Community Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather North Carolina Community Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with North Carolina Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
North Carolina Community Federal Credit Union
Website
https://www.nccfcu.org
Address
2401 E Ash St,
Goldsboro, NC 27534-7513
Phone
800-734-8204
Fax
President
Kevin Wolf
CEO
Chris Hopper
Full-Time Employees
25
Part-Time Employees
3
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.58%
Return on Assets (ROA)
0.5641%
Return on Equity (ROE)
5.1654%
Non-Performing Loans Ratio (NPL)
0.13%
Total Assets
107,054,917
Total Amount of Shares and Deposits
98,272,203
Total Shares and Deposits < 1 Year
96,509,959
Total Shares and Deposits 1 3 Years
1,682,881
Total Shares and Deposits > 3 Years
79,363
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,070,846
Total Uninsured Shares and Deposits > $250K (F+J)
6,070,846
Total Insured Shares and Deposits > $250K (item 17 less item K)
92,201,357
Total Interest Expense (Sum of items 6 8)
281,419
Share Certificates
276
Number of Accounts for Share Drafts
3,301
IRA KEOGH Accounts
128
Number of Accounts for Regular Shares
6,220
All other shares
58
Money Market Shares
63
Net Income (unless the amount is already included in Undivided Earnings)
603,898
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,472,589
Total Liabilities
95,363,783
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for North Carolina Community Federal Credit Union
Frequently Asked Questions About North Carolina Community Federal Credit UnionDoes North Carolina Community Federal Credit Union offer CDs?Yes. North Carolina Community Federal Credit Union current CD rates include its 60 Month IRA/Tiered CDs at 0.75% APY, its 36 Month IRA/Tiered CDs at 0.40% APY and its 24 Month IRA/Tiered CDs at 0.30% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from North Carolina Community Federal Credit Union NCUA insured?Yes. North Carolina Community Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at North Carolina Community Federal Credit Union?The highest North Carolina Community Federal Credit Union CD rate is its 60 Month IRA/Tiered CDs at 0.75% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does North Carolina Community Federal Credit Union offer?North Carolina Community Federal Credit Union CD rates are 0.18% APY for a 6 month CD, 0.10% APY for a 12 month CD, 0.25% APY for a 2 year CD, 0.40% APY for a 3 year CD and 0.70% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with North Carolina Community Federal Credit Union for its full lineup. What is the highest savings rate at North Carolina Community Federal Credit Union?The highest North Carolina Community Federal Credit Union savings rate is its IRA Passbook Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at North Carolina Community Federal Credit Union?The highest North Carolina Community Federal Credit Union checking rate is its Select Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at North Carolina Community Federal Credit Union?The lowest North Carolina Community Federal Credit Union auto loan rate is its Auto Loan at 4.94% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does North Carolina Community Federal Credit Union operate?North Carolina Community Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join North Carolina Community Federal Credit Union?Yes, to access services at North Carolina Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, North Carolina Community Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, North Carolina Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does North Carolina Community Federal Credit Union offer online and mobile banking?Most modern institutions like North Carolina Community Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nccfcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do North Carolina Community Federal Credit Union rates compare?North Carolina Community Federal Credit Union's CD rates are 87% lower than the MonitorBankRates national average, and it has an A+ health rating. North Carolina Community Federal Credit Union's top rates are its 60 Month IRA/Tiered CDs at 0.75% APY, its IRA Passbook Savings at 0.05% APY, its Select Checking at 0.05% APY and its Auto Loan at 4.94% APR, verified by MonitorBankRates on October 29, 2026. Current North Carolina Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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