APY on $10,000
0.10%
As of Nov 8, 2026. Rates are variable.
State Employees' · Savings account
State Employees' Share Account
$10 a year on $10,000 at today’s 0.10% APY. $1 a month. $250 to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 8, 2026
Issuer's page · ncsecu.org
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.10%
- Monthly fee, a year
- $12
- A year
- $10
- APY on $10,000
- Receipt · APYChecked Nov 8, 2026
Issuer's page · ncsecu.org
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · ncsecu.org · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · ncsecu.org
The source states this figure; we have no exact sentence on file yet.
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.
Against the market
How it ranks
#159of 270 savings accounts, by a year’s value on $10,000
All 270 savings accounts, rankedFeatures
- Branch access
- Interest bearing
- Overdraft protection transfer
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
- $250ncsecu.org, checked Nov 8, 2026
- To earn the APY
- The minimum balance to earn dividends on Money Market Share accounts is $250.ncsecu.org, checked Nov 8, 2026
- Interest compounds
- Dividends are compounded daily and paid monthly into your Money Market Share Account.ncsecu.org, checked Nov 8, 2026
Fees
- Monthly fee
- $1 a monthncsecu.org, checked Nov 8, 2026
- Ways to avoid the monthly fee
- unless the Money Market Share Account falls below $250ncsecu.org, checked Nov 8, 2026
- Minimum to open
- $250ncsecu.org, checked Nov 8, 2026
- Returned item (NSF) fee
- $12ncsecu.org, checked Nov 8, 2026
- Overdraft transfer fee
- Nonencsecu.org, checked Nov 8, 2026
- Incoming domestic wire
- Nonencsecu.org, checked Nov 8, 2026
- Outgoing domestic wire
- $15ncsecu.org, checked Nov 8, 2026
- Incoming international wire
- Nonencsecu.org, checked Nov 8, 2026
- Outgoing international wire
- $35ncsecu.org, checked Nov 8, 2026
- Early closure fee
- Nonencsecu.org, checked Nov 8, 2026
- Cashier’s check
- $2ncsecu.org, checked Nov 8, 2026
Who can open it
- Where
- Near its branchesncsecu.org, checked Nov 8, 2026
- 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.
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. Report a mistake · How we make money