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Savings Accounts

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Regular Share Savings

You can start your account with as little as $5 to become a participating member and eligible for applying for additional services. Regular Share Savings account dividends are calculated by the average daily balance method and are compounded and paid monthly on balances of $50 and up.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government via the NCUA, a U.S. Government Agency.

Learn more about features and benefits

  Become a Member-Owner

Your Regular Share Savings represents your ownership in NCFCU. As a not-for-profit financial institution, all of our profits go back to our members in the forms of better savings rates, and lower loan rates.

  Level Up with Membership Rewards

All members are eligible for our Membership Rewards program. As your savings balance increases, you'll get more benefits.

  Online & Mobile Banking

Our best-in-class online and mobile banking platform offers you the same features and convenience that the country's largest banks have to offer.

  Free Bill Pay, Mobile Check Deposit & E-Statements

Save time by depositing checks from the convenience of your own home - or anywhere! Need to pay your monthly rent via check? Let us mail it automatically on your behalf for free.

  Surcharge-Free ATMs

NCFCU offers a STAR™ ATM Card that is accessible through an ever-expanding STAR and PLUS Network, and at hundreds of participating merchants. Use your STAR™ ATM Card locally to make deposits, to withdraw funds, to inquire about your various account balances. Use the cards out of the area, at the PLUS Network, for emergency cash withdrawals. In addition, NCFCU has contracted with PNC Bank so that we can provide you with 3,500+ non-surcharging ATM’s. PNC Bank ATM’s are located nationwide. You can do your Credit Union business when it suits you, day or night, 7-days-a-week, with your ATM Card or VISA Debit Card! Total daily ATM limit is $1,000 with any PIN based ATM withdraw. The maximum number of times you may use your card daily to withdraw is 10. Maximum free withdrawals are 6 per month. $1.00 charge per any additional. Note: The maximum includes denials and inquiries.

Find exact PNCBank ATM locations, find a Surcharge-Free ATM near you at CU Dollar, or use the STAR ATM Locator.

  Local Branches When You Need Them

We have convenient branch locations across central Pennsylvania so you can always access banking services in-person.


You can open a new account in less than 5 minutes entirely online. Or feel free to stop by a branch to open your new account.