Young Adult Prep Package

Young Adults

Not everyone starts off on the same financial journey. NCFCU can help you prepare for life’s milestones, such as buying your first car, applying for a mortgage or building your credit with our low-rate Visa® Credit Card. NCFCU is here to help you every step of your journey!

  Accounts
Young Adult w/ Phone

Have you ever had a checking account that charged you a monthly maintenance fee? If so, we’re here to offer you Kasasa Cash Back®. It’s free checking account that actually pays you, instead of the other way around! Enjoy cash back on debit card signature-credit purchases and refunds on ATM withdrawal fees.

What you get with Kasasa Cash Back® Checking:

  • 3.5% rewards on a maximum of $200.00 on Visa® Debit purchases ($7.00 per month maximum)
  • Refund of any ATM fees (up to $25.00) for the monthly qualifying cycle
Qualifications:
  • Must have at least 12 debit card signature-credit purchases post and settle during the monthly qualifying cycle
  • Must be enrolled in and agree to receive eStatements
  • Must have one of the following: ACH automatic payment, Bill Pay, or Direct Deposit (that post and settle to the account during the monthly qualifying cycle)

  Visa® Credit Card
Young Adults

We all have different reasons why we use or want a credit card. Many members rely on it for everyday purchases, where as other members carry their card only for emergencies. Some members utilize their credit card to increase their purchasing power. Whatever your reason, we want you to have the lowest rate Visa® card in your wallet.

Visa® Platinum 6.9% APR

  • No Annual Fee
  • No Transaction Fees
  • No Cash Advance Fee
  • No Minimum Finance Charge
  • 25-Day Interest-Free Grace Period on Purchases
  • $250,000 Free Travel/Accident Insurance

  Auto
Young Adults

New & Used Vehicle Loans

As a member, you can take advantage of our competitive vehicle rates. Purchase a new or used vehicle or refinance your existing auto loan from another lender to lower your payments. Receive fixed-rate financing for new and used vehicles with 100% financing plus tax, tags, extended warranty, and gap protection.

Features and Benefits:

  • Repay at any time
  • Up to 84 months financing (for autos up to 7 years old)
  • Loss of life, injury or illness, and unemployment protection available
Car Shopping Made Simple

NCFCU has partnered with GrooveCar to help you find your next vehicle! Compart up to 5 vehicles at once. Search by made, model, or monthly payment with over 4 million cars in inventory – and save your progress while researching!

Route 66 Extended Warranty

Be ready for the unexpected and ensure you’re covered in the event a breakdown sidelines your vehicle. With Mechanical Breakdown Protection from Route 66 Warranty, you can rest easy knowing you are covered. Route 66 Warranty’s plans are available for both new and pre-owned vehicles. Coverage is transferrable if you sell your vehicle before your agreement expires, providing added resale value.

Features and Benefits:
  • Zero Deductible
  • Nationwide Coverage
  • 24/7/365 Emergency Roadside Service
  • 30 Day Money-back guarantee
  • Transferrable Coverage
  • Trip Interruption Coverage
  • Direct Claims Payments via Visa® or MasterCard®

  Mortgages
Lift

NCFCU has partnered with Member Advantage Mortgage to offer first mortgage loans. Member Advantage Mortgage leads the mortgage lending industry with exceptional service and expert solutions. As a trusted partner, they work with each of our credit union members to understand their unique needs today and as they evolve in the future. The Member Advantage Mortgage team provides the transparency, knowledge and support you need to make the best financial decisions.

Purchasing your first home is a huge financial decision. As a resource to help you understand your financial story, NCFCU has planning tools. Use our digital financial calculators to determine how much house you can afford. By inputting the amount of your down payment, desired loan term, expected monthly payment, and the interest rate, you will receive a breakdown of what financial terms to expect to help prevent yourself from taking on a financial burden.

  Services on the go
Lift

Digital Wallet

Now, you can make purchases with contactless payment technology in a simple, secure and convenient way with your smart phone. Digital wallet applications are easy ways to pay for purchases in stores, online or in apps. Your card information is not shared with merchants. Instead, an encrypted number is used to process the payment. NCFCU is proud to offer Apple Pay® and Google Pay™ support.

Mobile Banking

Your NCFCU account is in the palm of your hands! Download our mobile app to your smart phone or tablet for access to your account from home or on the go.

Remote Xpress Deposit

Remote Xpress Deposit is a free, secure, mobile service allowing you to deposit checks into your eligible NCFCU account from a remote location. You can deposit a check into your NCFCU account using your smart phone by submitting a picture of the front and back of the check. Simply deposit your funds and file the check for your records.

External Transfers

Online and Mobile Banking allows you to easily connect with an external account at a different financial institution. You can then make inbound and outbound transfers between this account and your NCFCU account to manage all your finances easily whenever needed.

BILLSHARK® BILLSHARK®

Let BILLSHARK® Lower Your Bills! The bill negotiating experts can typically lower your bill 85% of the time. Download the NCFCU mobile app to get started.

How it works:

  • Submit a bill
    • Use your smart phone’s camera to take a picture of your bill or to upload a screenshot.
  • BILLSHARK® negotiates for you
    • The BILLSHARK® experts deal with the hassle of negotiating directly with your provider.
  • Split the savings
    • You only pay BILLSHARK® if they save you money. BILLSHARK® takes 40% of the savings for their hard work.

Lemonade

Get an instant Home Owner’s or Renter’s Insurance quote right in the NCFCU Mobile App with Lemonade.

  • Get a quote in a few taps
    • We’ll confirm your information and get you a quote in seconds right in the app. Like the quote? Take out your policy right here too.
  • Unconflicted claims
    • Unlike any other insurance company, Lemonade gains nothing by delaying or denying claims (you pay a flat fee), so they handle and pay as much claims instantly as possible.
  • Feel good doing it
    • In addition to protecting yourself, as a Public Benefit Corporation and certified B-Corp, Lemonade Inc. donates unclaimed premiums to great causes.

Online Banking

Access your NCFCU accounts 24 hours a day, 7 days a week, 365 days a year. Our online banking platform allows you to manage and transfer your money, check transactions, receive eStatements, and much more. Enroll now to get started!