North Carolina Community Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.75%	5-year CD	60 Month Share Certificate 2.25% - Bank of Internet USA 60 Month CD
0.05%	Savings	Passbook Share Savings Account 1.20% - Ally Bank Online Savings Account
0.40%	3-year CD	36-59 Month Share Certificate 1.60% - Ally Bank High Yield 3 Year CD

View all North Carolina Community Federal Credit Union rates »

Overview / Commentary

www.nccfcu.org

866-265-0269

2401 East Ash Street
Goldsboro, NC 27534

North Carolina Community Federal Credit Union is headquartered in Goldsboro and is the 28^th largest credit union in the state of North Carolina. It is also the 1,922^nd largest credit union in the nation. It was established in 1957 and as of June of 2017, it had grown to 22 employees and 7,057 members at 2 locations. North Carolina Community Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Wayne County, North Carolina.
See current membership details

Reviews (2)

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Featured Account Options

Replacement Debit Cards

Posted by: 71Peters | Jun 8, 2016

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.

Comment

1

NC Credit Union

Posted by: Sarah2 | Mar 30, 2014

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.

Comment

1

Health

B+

Data as of Q2 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. North Carolina Community Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	12004
Year Chartered	1957
Employees	22
Primary Regulator

Profit Margin
Return on Assets - YTD	0.32%
Return on Equity - YTD	3.27%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$73.8MM$67.9MM
Loans	Q2 2017vs Q2 2016	$28.5MM$30.3MM
Deposits	Q2 2017vs Q2 2016	$66.2MM$60.7MM
Equity Capital	Q2 2017vs Q2 2016	$7.1MM$7.0MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$200.00K$211.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$447.00K$515.00K
Real Estate Owned	Q2 2017vs Q2 2016	$55.00K$55.00K

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

North Carolina Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	-	-	Passbook Share Savings Account
0.05%	-	-	Christmas Club Account
0.05%	-	-	Special Purpose Account
0.05%	-	-	Passbook IRA Account
0.05%	-	-	Share Bear Club

North Carolina Community Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$100k^*	-	Cash Management Money Market Account
OTHER TIERS: 0.01% → Up to $15k \| 0.07% → $15k - $100k

North Carolina Community Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$2,500	-	WorkPerks Checking
0.05%	$2,500	-	Select Checking

North Carolina Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$100k^*	-	60 Month Share Certificate
OTHER TIERS: 0.70% → $500 - $100k
0.40%^*	$100k^*	-	36-59 Month Share Certificate
OTHER TIERS: 0.35% → $500 - $100k
0.30%^*	$100k^*	-	18-35 Month Share Certificate
OTHER TIERS: 0.25% → $500 - $100k
0.18%^*	$100k^*	-	6-17 Month Share Certificate
OTHER TIERS: 0.10% → $500 - $100k

North Carolina Community Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$100k^*	-	60 Month IRA Certificate
OTHER TIERS: 0.70% → $500 - $100k
0.40%^*	$100k^*	-	36-59 Month IRA Certificate
OTHER TIERS: 0.35% → $500 - $100k
0.30%^*	$100k^*	-	18-35 Month IRA Certificate
OTHER TIERS: 0.25% → $500 - $100k
0.18%^*	$100k^*	-	6-17 Month IRA Certificate
OTHER TIERS: 0.10% → $500 - $100k

Locations

North Carolina Community Federal Credit Union Locations
Branch Office	2401 E Ash St	Goldsboro, NC 27534-7513
Branch Office	1350 Edwards St	Seymour Johnson AFB, NC 27531-2469