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Nova Credit Union


Overview / Commentary
www.novacu.com
704-392-3418
3601 Mulberry Church Rd
Charlotte, NC 28208

Nova Credit Union is headquartered in Charlotte and is the 22nd largest credit union in the state of North Carolina. It is also the 1,667th largest credit union in the nation. It was established in 1934 and as of June of 2024, it had grown to 42 employees and 11,260 members at 5 locations. Nova Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Nova Credit Union is open to all North Carolina residents through membership in the North Carolina Consumers Council. Those who live, work, worship, or attend school within a 50-mile radius of Kannapolis, North Carolina are also eligible to join. All North Carolina USPS and Federal employees/retirees also qualify for membership, as do members of all three Post Customers Councils in North Carolina. Immediate family members of any membership-eligible individual are also eligible for membership.
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Health
B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #63425
Year Chartered1934
Employees42
Primary Regulator
Profit Margin
Return on Assets - YTD0.03%
Return on Equity - YTD0.2%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$120MM$122.2MM
LoansQ2 2024vs Q2 2023$71.3MM$70.2MM
DepositsQ2 2024vs Q2 2023$100.3MM$104.7MM
Equity CapitalQ2 2024vs Q2 2023$17.3MM$16.6MM
Loan Loss AllowanceQ2 2024vs Q2 2023$453K$416K
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$550K$508K
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Nova Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

Nova Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Individual Retirement Account
OTHER TIERS: 0.10% → $0 - $5k | 0.30% → $5k - $30k | 0.50% → $30k - $100k
0.10%$25-Savings Account
0.01%$0-Savings Club Account

Nova Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.22%*$100k*-Money Market Account
OTHER TIERS: 1.11% → $500 - $100k

Nova Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$0-Secure Checking Account
0.01%$0-Business Checking Account

Nova Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.95%*$50k*-12 Month CD
OTHER TIERS: 3.55% → $500 - $10k | 3.76% → $10k - $50k
3.80%$1k-24 Month CD
3.45%*$50k*-6 Month CD
OTHER TIERS: 2.51% → $500 - $10k | 3.25% → $10k - $50k
3.14%$1k-36 Month CD
Locations


Nova Credit Union Locations
Branch Office1022 11th Avenue Blvd SEHickory, NC 28602
Branch Office4817 W Market StGreensboro, NC 27407-1403
Branch Office3601 Mulberry Church RdCharlotte, NC 28208
Branch Office275 Branchview Dr SEConcord, NC 28025
Branch Office169 Dale Earnhardt BlvdKannapolis, NC 28081

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