Savings and Share Accounts
Big or small, we’ll help you save for it all!
Savings Accounts from NCCYou
Discover a range of Savings Accounts designed to meet your financial goals. Whether you are saving for a holiday, a child’s education, building an emergency fund, or something else, we offer tailored accounts to fit your needs.
Regular Share Savings
Our Regular Share Savings Account establishes credit union membership. Once opened, members can take advantage of other NCCYou products and services.
Plan benefits include:
- Minimum opening balance is $5
- Dividends are compounded daily based on average balance and are credited quarterly
- Statements are available quarterly for $2.95; $2.95 monthly if the member has an NCCYou checking, or if there are electronic transactions within the account during the month
- Statements are free to members 65 and older; e-statements are free
Sub Share Savings
Designate funds to this account to save for specific purposes – pets, insurance, taxes, special occasions, and more.
Plan benefits include:
- No minimum opening balance
- Dividends are compounded daily based on average balance and are credited quarterly
- Can be used as a convenient overdraft protection source
Vacation Club Savings
Plan your best trip yet with a Vacation Club account.
Plan benefits include:
- No minimum opening balance
- Dividends are compounded daily based on average balance and are credited quarterly
- Set up a recurring transfer from any of your accounts on a schedule of your choice
- Take funds out or transfer at any time
Christmas Club Savings
Skip the stress of holiday spending and start saving today.
Plan benefits include:
- No minimum opening balance
- Dividends are compounded daily based on average balance and are credited quarterly
- Saving throughout the year can help in avoiding large credit card balances after the holidays
WINcentive Savings Account
WINcentive™ Savings is a prize-linked savings account. It offers drawing entries in return for each time* you increase your savings balance by $25.
Plan benefits include:
- Minimum opening balance is $5
- Set aside just $25 per month and you are automatically entered to win
- Prize drawings occur monthly, quarterly, and annually
- Prizes of $100, $1,000, and $5,000
- Monthly drawings occur around the 10th of each month
- The more you save, the more chances you have to win!
*up to 4 entries per month.
Youth Savings Account
Our Youth Savings Account is for kids from 0-12 years old.*
Plan benefits include:
- Minimum opening balance is $5
- Account opening gifts
- Dividends are compounded daily based on average balance and are credited quarterly
- Statements are available quarterly for $2.95; $2.95 monthly if the member has an NCCYou checking, or if there are electronic transactions within the account during the month.
- Statements are free to members under 18; e-statements are free.
*A parent, grandparent, or legal guardian must be a joint owner on the Youth account. A physical form of identification: student ID card, social security card, or birth certificate is required at the time of account opening.
Also see our Youth Certificates on our Certificates page.
Short-Term Savings Calculator
See how long it will take to reach your goal.
Emergency Fund Calculator
How much to save?
