NGCU will be Closed for Juneteenth on Wednesday, June 19.
Due to scheduled maintenance, online banking and debit card services will be unavailable from Saturday, June 15, at 10:00 PM to approximately 5:00 AM on Sunday, June 16.

Share Rates

*Annual percentage yield is accurate as of April 1, 2024. Rates and other terms may change at any time without prior notice. Fees could reduce earnings on the account.

Account Type Minimum Opening Deposit Limitations* Dividend Rate APY*
Regular Share/Savings $25.00 Transfer & Withdrawal* 0.30% 0.30%
Christmas Club Transfer & Withdrawal* 0.30% 0.30%
IRA Savings 0.40% 0.40%
Share/Draft Checking 0.05% 0.05%

Dividends will be compounded quarterly and will be credited quarterly.

*Annual percentage yield is accurate as of January 1, 2024. Rates and other terms may change at any time without prior notice. *$500.00 minimum required to open Share or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Additional deposits are NOT allowed.

  • Dividends will be compounded daily and will be credited at maturity.
  • If you close your share account before dividends are paid, you will not receive the accrued dividends.
Terms Dividend Rate APY* Renewable
Share – 6 Months 2.50% 2.53% Automatic
Share – 12 Months 3.00% 3.05% Automatic
Share – 24 Months 3.10% 3.15% Automatic
Share – 36 Months 3.10% 3.15% Automatic
IRA – 6 Months 2.50% 2.53% Automatic
IRA – 12 Months 3.00% 3.05% Automatic
IRA – 24 Months 3.10% 3.10% Automatic
IRA – 36 Months 3.10% 3.15% Automatic

*For additional information regarding the above accounts, please refer to the Truth-In-Savings and Fee Schedule.