State Employees' Salary Advance Cash Account

$0 a year on $10,000. No monthly fee. No minimum to open.

Checked Nov 1, 2026Updated Nov 1, 2026

A year on $10,000

Monthly fee

To open

In dollars

What it earns in a year

Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.

Features

Interest bearing

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Rate conditions

Balance needed for the APY: $0ncsecu.org, checked Nov 1, 2026
Interest compounds: Dividends are generally compounded daily and credited monthlyncsecu.org, checked Nov 1, 2026

Fees

Monthly fee: Nonencsecu.org, checked Nov 1, 2026
Ways to avoid the monthly fee: Monthly maintenance fee – $1 if there is a balance in the account on the statement datencsecu.org, checked Nov 1, 2026
Minimum to open: Nonencsecu.org, checked Nov 1, 2026
Returned item (NSF) fee: $12ncsecu.org, checked Nov 1, 2026
Overdraft transfer fee: Nonencsecu.org, checked Nov 1, 2026
Incoming domestic wire: Nonencsecu.org, checked Nov 1, 2026
Outgoing domestic wire: $15ncsecu.org, checked Nov 1, 2026
Incoming international wire: Nonencsecu.org, checked Nov 1, 2026
Outgoing international wire: $35ncsecu.org, checked Nov 1, 2026
Cashier’s check: $2ncsecu.org, checked Nov 1, 2026

Who can open it

Membership: Membership required:
Employees of the state of North Carolina, employees of North Carolina public boards of education, employees of North Carolina county departments of Social Services, Health, Mental Health, and Civil Defense, employees of associations formed for the benefit of state of North Carolina employees, employees of agencies or departments whose employees are otherwise subject to the North Carolina State Personnel Act, and employees of federal agencies assigned to North Carolina state agencies.
Members of the North Carolina National Guard.
Individuals retired from the above employment or service as pensioners and/or annuitants, including former employees who are “vested” and have not withdrawn or terminated future eligibility to be a pensioner and/or annuitant.
Immediate family of an existing member, including spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships.
ncsecu.org, checked Nov 1, 2026

Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.

Rates and fees change; the bank’s own page is the final word. Not all of this account’s figures are on record yet (rate missing). Report a mistake · How we make money

See it on ncsecu.org

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