Disclosures & Policies

Privacy Policy

NCACU is committed to protecting your personal and financial information. We collect only what we need to serve you, we do not sell your information, and we maintain physical, electronic, and procedural safeguards to keep your data secure. (Full policy text to be supplied by NCACU compliance before launch.)

Terms of Use

By using this website you agree to use it lawfully and not to interfere with its operation or security. Account terms are governed by your membership and account agreements. (Full terms to be supplied before launch.)

Website Accessibility

We are committed to making our website accessible to all members, including those who use assistive technologies, and we strive to meet WCAG 2.1 AA standards. If you have problems using this website because of a screen reader or other auxiliary aid, please call (989) 910-5135 for personal assistance. If you encounter a barrier, please let us know so we can help and improve.

Fee & Rate Schedule

A complete schedule of account fees and current dividend and loan rates is available at any branch and will be published here before launch. Rates, terms, and fees are subject to change at any time, and loan rates may vary based on creditworthiness, term, collateral, and other qualifications.

Truth in Savings (TIS) Disclosure

The Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity; a withdrawal will reduce earnings. Fees may reduce the earnings on an account. For share certificates, a penalty may be imposed for early withdrawal. Complete Truth in Savings disclosures are provided at account opening and available on request. APY = Annual Percentage Yield; APR = Annual Percentage Rate.

Funds Availability

Deposits made through the mobile app, an ATM/ITM, shared branching, or at a branch are subject to our Funds Availability Policy and may be held before becoming available for withdrawal. Details are provided in your account agreement.

Third-Party Websites & Links

This website contains links to third-party sites — including online banking (itsme247.com), our loan application portal (apply.ncacu.org), and the CO-OP ATM and Xtend shared-branch locators. These links are provided for your convenience. NCACU does not control and is not responsible for the content, security, or privacy practices of third-party websites, and a link does not constitute an endorsement. Their privacy and security policies may differ from ours.

Federal Insurance

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

Equal Housing & Lending

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NCACU is an Equal Housing Opportunity lender and is NMLS-registered. All products and services described on this website are available at each NCACU branch.