North Carolina Community Federal Credit Union is headquartered in Goldsboro and is the 28th largest credit union in the state of North Carolina. It is also the 1,929th largest credit union in the nation. It was established in 1957 and as of June of 2023, it had grown to 22 employees and 5,595 members at 2 locations. North Carolina Community Federal Credit Union has a B+ health rating.
Membership is open to those who live, work, worship or attend school in Wayne County, North Carolina.
See current membership details
I have been a member for over 20 years and I will say that the service for the most part is excellent. However, I just went through an experience that put a bad taste in my mouth.
While out to dinner with my wife, I used my debit card to pay for dinner and it was declined (which is always embarrassing). I just used it recently and it worked fine. I also know that there were plenty of funds in the account as well. So I called NCCFCU to see what the problem was...and I was informed that my account might have been hacked so they canx my card. I am grateful there are protective measures like this in place to look out for the customer. However, I didn't receive any notice whatsoever. Other institution have sent a letter or have even called but in this case my card was just cancelled.
While talking to the customer service rep I asked if a new card was being sent out and she informed me it was...and it would take 7-10 days. Wow, 7-10 days??? Why so long? It seemed like a received cards faster than that when I was stationed overseas.
So I received my card yesterday, 11 days after when I talked to the customer service rep. The new card gave simple instructions "Go to an ATM and use it to activate it". Ok easy enough, I ran to a ATM down the road and I was given an error message "incorrect pin". How is this possible???
I called NCCFCU and was informed that a new pin would be sent to me 3-5 days after I received my card. I re-read the instructions that came with my new card to see if I missed that and no where did it mention that a new pin was being sent to me, nor did I receive any other mail pertaining to this.
So in closing I have two issues:
1. Please keep your customers informed if possible...especially if it effects their banking.
2. It should not take 2 weeks +/- to receive a replacement card/pin. Maybe I am spoiled with my other institutions I do business with...but in this day in age where debt cards are utilized daily for so many different transactions the 2 week replacement period is unacceptable. Please remember that not all of your customers live in Goldsboro. So I cannot just run down the the branch and take care of my business at hand.
Thank you.
This is a nice credit Union. I have 2 accounts here. I don't incur any fees with the checking account, or with depositing checks. Although, when depositing a check over 200.00 they will place that money on a 7-10 day hold which can be inconvenient. The customer service can be lacking. The first few times I went to meet with a representative, and the woman barely looked me in the face, didn't smile, and didn't offer any sort of welcome.
Overall | |
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NCUA # | 12004 |
Year Chartered | 1957 |
Employees | 22 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 1.07% |
Return on Equity - YTD | 11.39% |
Annual Interest Income | $1.6MM |
Assets and Liabilities | ||
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Assets | Q2 2023vs Q2 2022 | $90.7MM$89.2MM |
Loans | Q2 2023vs Q2 2022 | $42.2MM$33.1MM |
Deposits | Q2 2023vs Q2 2022 | $81.8MM$81.0MM |
Equity Capital | Q2 2023vs Q2 2022 | $8.5MM$8.0MM |
Loan Loss Allowance | Q2 2023vs Q2 2022 | $0$150.00K |
Unbacked Noncurrent Loans | Q2 2023vs Q2 2022 | $114.00K$85.00K |
Real Estate Owned | Q2 2023vs Q2 2022 | $0$0 |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.25% | - | - | Share Bear Club | |
0.10% | - | - | Share Savings | |
0.10% | - | - | Christmas Club | |
0.10% | - | - | Special Purpose | |
0.05% | - | - | IRA Passbook Savings |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.05% | $2.5k | - | WorkPerksTM Checking Account | |
0.05% | $2.5k | - | Select Checking Account |
North Carolina Community Federal Credit Union Locations | ||
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Branch Office | 2401 E Ash St | Goldsboro, NC 27534-7513 |
Branch Office | 1350 Edwards St | Seymour Johnson AFB, NC 27531-2469 |