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Savings Accounts

A Share Savings account at NPCCU is a great way to start saving for your future! And it is simple to do! The initial deposit is $5 and remains for the life of the open account. Not only can you personally deposit funds into your savings accounts, but you can also take advantage of our service known as Direct Deposit. With Direct Deposit, you can have funds automatically deposited into your savings account from your wages. What a great way to save!

Special or Secondary Savings Accounts are also available to help you "tuck" away that extra money for a rainy day or special purchase! And you can choose to personalize your savings account name any way you want.

Checking Accounts

Opening a checking (share draft) account at NPCCU is a convenient way to transact your business and keep your finances in order!!! Our checking account options are:

***NEW***Benefits Plus Checking Account

This checking account is a premier account for members 49 years old and younger that offers discounts, lower rates on loan, higher rates on CDs, and other services.  Minimum Opening Deposit:  $25.00

      As a member of Benefits Plus Checking, you will receive:

1. Interest Bearing Checking, with no minimum balance requirement, and unlimited check writing, free Debit Card, $500 Overdraft Privilege (Courtesy Pay)
2. Thousands of local and national discounts through Generations Gold National Program, with a 3% cash rebate after you return from your trip! Visit their website at www.benefits-plus.org.   Click on our Restaurant & Merchant Discount Directory for a list of over 80 local businesses offering discounts to NPCCU Benefits Plus Checking Account holders!
3. First year monthly fees ($60 value) reimbursed with direct deposit, then only $5.00 per month after first year.
4. One free box of checks at account opening ($13.50 Value)
5. Receive 25 bps discount on all new Consumer and Home Equity Loans (Not eligible for other discounts, promotions, or programs)
6. Earn 10 bps bonus rates on new CDs (Not eligible for other discounts, promotions, or programs)
7. No early withdrawal penalty for up to $2,500 from any non-IRA CD for expenses or emergencies.  (One time early withdrawal allowed for term of CD)
8. Convenient ATM Use through ATM Alliance One (10 monthly transactions FREE, then $.75 per transaction)
9. Free Home Banking
10. Efficient Bill Payment Service (10 monthly transactions FREE, then $.50 per transaction)
11. Free Notary and Medallion Signature Services
12. Free Photocopy Services (up to 5 copies per visit)

***NEW***Nifty Fifty Club with Benefits Plus Checking Account

The Nifty Fifty Club with Benefits Plus checking account is a premier account for members 50 years old or better that offers discounts, lower rates on loans, higher rates on CDs, and other services. Minimum Opening Deposit:  $25.00.

     As a member of the Nifty Fifty Club with Benefits Plus, you receive: 

1. Interest Bearing Checking, with no minimum balance requirement, and unlimited check writing, Free Debit Card, and $500 Overdraft Privilege (Courtesy Pay)
2. Thousands of local and national discounts through Generations Gold National      Program, with a 3% cash rebate after you return from your trip! Visit their website at www.benefits-plus.org.   Click on our Restaurant & Merchant Discount Directory for a list of over 80 local businesses offering discounts to NPCCU Nifty Fifty club with Benefits Plus Checking Account holders!
3. First year monthly fees ($24 value) waived with direct deposit, then only $2.00 per month after first year.
4. One free box of checks per year ($13.50 per box value)
5. Receive 25 bps discount on all new Consumer and Home Equity Loans (Not eligible for other discounts, promotions, or programs)
6. Earn 10 bps bonus rates on new CDs (Not eligible for other discounts, promotions, or programs)
7. No early withdrawal penalty for up to $2,500 from any non-IRA CD for expenses or emergencies.  (One time early withdrawal allowed for term of CD)
8. Convenient ATM Use through ATM Alliance One (10 monthly transactions FREE, then $.75 per transaction)
9. Free Money Orders
10. Free Travelers Cheques
11. Free Cashiers Checks
12. Free Home Banking
13. Efficient Bill Payment Service (10 monthly transactions FREE, then $.50 per transaction)
14. Free Notary and Medallion Signature Services
15. Free Photocopy Services (up to 5 copies per visit)

Basic Checking Account

NorthPark Community Credit Union’s Basic Checking Account is a no frills, basic checking account program with limited free services and no monthly service fee.  Minimum Opening Deposit:  $25.00

     As a member of the Basic Checking Account, you will receive:

1. An interest-bearing checking account with minimum of $500 to earn interest, no minimum balance requirement, unlimited check writing, free Debit Card, and $500 Overdraft Privilege (Courtesy Pay)
2. No monthly service fee
3. Convenient ATM Use through ATM Alliance One (10 monthly transactions FREE, then $.75 per transaction)
4. Free Home Banking
5. Efficient Bill Payment Service (10 monthly transactions FREE, then $.50 per transaction)
6. Free Notary and Medallion Signature Services

Second Chance Checking*

NorthPark Community Credit Union has designed an account to give you a second chance at a checking account.  Have you ever had an account closed when it was overdrawn?  If so, your name may appear on a national list called ChexSystems or Telechek.  Many credit unions and banks use this list when qualifying customers for new accounts.  Appearing on this list may reduce your chances of being able to open an account.  At NorthPark Community Credit Union, we believe everyone deserves a second chance.  Opening Minimum Deposit:  $25.00.                                                                                                                                       As a member of the Second Chance Checking account, you receive:

1. No minimum balance
2. Unlimited check writing privileges
3. ATM Card (10 monthly transactions FREE, then $.75 per additional transaction)
4. FREE Online Banking for viewing your account information
5. Online BillPay (First 10 monthly transactions FREE, $.50 per additional transaction)                

 To qualify for Second Chance Checking, you must:

1. Have no past fraud activity
2. Have no balance due to a NorthPark Community Credit Union charge-off
3. Maintain a positive balance for initial 6 months.  Failure to do so results in immediate checking account closure

Members using our Second Chance Checking can apply for our Free checking account with full privileges after 12 months in good standing.

*Restrictions apply. Accounts opened pending approval. Membership eligibility qualifications apply.  NorthPark Community Credit Union may turn down an account based on past account abuse by a customer. Transactions are restricted to NPCCU branches only.  Extended holds placed on all check deposits (excluding Government-issued checks and recognizable payroll checks).  Courtesy Pay program not offered with Second Chance Checking.  Must be 18 years old to open an account. Marketing offers do not apply with a Second Chance Checking account. 

Direct Deposit

Sign up for Direct Deposit with NPCCU and your employer, and your check will automatically be deposited into your account on payday. Don't worry about vacation, bad weather, or rushing to the credit union after work, because your money is already there for you. Click on the link Direct Deposit to begin the process today! You can also sign up for an automatic transfer from one account to another on any day of the month, in order to pay your loan payment or deposit into you savings.

Switch Kit

Switching your account to NPCCU is made easy at NPCCU! Let us help take the hassle out of switching your direct deposit, automatic payments and ACHs, and closing your non-NPCCU account through the use of our switch kit. In addition, we will help you get set up with internet banking and bill payer service to make the switch easier than ever! Please click on the Switching Made Easy button to the left to start benefiting from NPCCU and our user-friendly checking account! Need some help? Call a NPCCU member service representitive for friendly assistance.

 

Club Accounts

Vacation Club

Planning a vacation in the future? Are you having a difficult time saving for it? At NPCCU, we can help you save by opening up a Vacation Club. This is a separate savings account designed specifically to help you save for a vacation. The account may be opened at any time, there are no withdrawal restrictions, and you can set up convenient automatic transfers to help you save!

Christmas Club

A Christmas Club is a convenient way to help you save throughout the year for those upcoming Holiday expenses. This account may be opened at any time, with accumulated funds automatically transferred into your savings account in early October. Regular automatic transfers to your Christmas Club account can help add to your holiday savings. Withdrawal restrictions do apply.

Acorn Club

Help your children save for their future early by enrolling them in the Acorn Club! Join Parky the Squirrel, the NPCCU mascot, as he saves and teaches others to save for the future! This program is a:

• Fun and exciting way for children to learn the basics of saving
• At the end of every quarter receive a postcard from Parky and the Acorn Club Bring in your postcard with a minimum $5 deposit and receive a special gift

Any child, eligible for NPCCU membership, age 10 or younger may sign up for the Acorn Club. If you want to join, sign up at your nearest NPCCU branch. If you are not currently a member, be sure to bring:

• Your social security number
• $5 for the initial deposit
• Your parent or guardian

You will receive an Acorn Club savings book as well as a knapsack! If you are already a NPCCU member, a $5 deposit will update your account to the Acorn Club with an Acorn Club savings book and knapsack!

Money Market Accounts

NorthPark Community Credit Union Money Market accounts are designed for our members who want to earn daily interest on liquid funds. Features are:

• $2,500 minimum deposit to open a Money Market account
• Tiered Dividend Rates. See Deposit Rates
• No Minimum balance required to earn dividends
• Dividends earned daily and paid quarterly
• No withdrawal penalties

Certificates

NPCCU offers numerous Share Certificate products with a variety of maturity periods and competitive interest rates.

Terms offered are:

• 90 days (minimum deposit: $500)
• 6 months
• 12 months
• 13 months
• 18 months
• 24 months
• 25 months
• 30 months
• 36 months
• 48 months
• 60 months

Minimum to open a share certificate is $1000, unless otherwise noted. If you withdraw your share certificate before maturity you will incur a penalty. Special terms and rates may be available, check the Deposit Rates for details.

Jumbo Certificates are available for all terms offered. Minimum deposit is $100,000. Please call the Credit Union at 317-873-6166 to inquire about premium rates.

"Name Your Rate" CD is a new CD that offers relationship rewards. Take advantage of our 12, 18 or 24 month CDs and allow us to bump your rate ten basis points for each additional product or service you have with NPCCU. You will receive the .10 rate bump for each listed product:

• Savings and Money Market Accounts with collective balance over $5,000.
• Checking Account with Direct Deposit
• Outstanding or New Automobile Loan
• Outstanding or New Home Equity Loan
• Open Visa Credit Card

IRAs

Are you ready to retire? Are you planning to live on Social Security during your golden years? Will you be able to pay for the special events and times that can make retirement so special? An IRA offers a great way to help achieve your retirement dreams and goals. Individual Retirement Accounts give you an opportunity to accumulate money for retirement with various tax advantages, depending on which you choose. NPCCU offers two IRA options to our members.

Traditional IRA

• Contributions may be fully tax deductible up to $4,000 per year
• Contribute an additional $1000 if you are age 50 or older
• After age 59 and a half withdraw funds without any IRS premature penalty

Roth IRA

• Allows earnings to grow tax-exempt
• Contribute up to $4,000 per year, or an additional $1000 if you are age 50 or older
• Deposits can be withdrawn at any time without tax or IRS Penalty
• Ask about income requirements
• No age requirements

At NPCCU, we offer both IRA savings and share certificate accounts. Terms offered are:

• IRA Savings
• Premier IRA Savings (Minimum $4,000 balance)
• 12 months IRA Certificate (Rate same as 12 month Share CD)
• 24 months IRA Certificate (Rate same as 24 month Share CD)
• 36 months IRA Certificate (Rate same as 36 month Share CD)

Check out our Deposit Rates for more information on our IRAs.

Deposit Rates