North Carolina Community Federal Credit Union

Headquarters

2401 East Ash Street
Goldsboro, NC 27534
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

North Carolina Community is an NCUA insured institution located in Goldsboro, NC. It was founded in 1957 and has approximately $91.87 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 12004
Date Established	1957
Assets	$91.87 million
Loans	$45.91 million
Deposits	$81.68 million
Capital	$9.75 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Wayne County, North Carolina.

Deposit Rates - April 4, 2025

Your Current Location: New Mexico, NM 10007

We do not yet have rates for North Carolina Community

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Loan Rates - April 4, 2025

Your Current Location: New Mexico, NM 10007

There are currently no loan rates available for North Carolina Community

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - New Mexico 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 401822	6.391%	6.250%	0.88	$4,795	$1,971	Learn More
NMLS ID: 3030	7.463%	7.375%	0.88	$2,800	$2,211	Learn More
NMLS ID: 491986						Learn More
NMLS ID: Not a Lender						Learn More

See More Mortgage Rates →

Featured - New Mexico Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 15.00*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US

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Note to North Carolina Community
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Branches

Below are North Carolina Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Bernalillo,New Mexico

North Carolina Community Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Base Branch	1515.47	A	View Lobby Hours
Main Branch	1515.57	B	View Lobby Hours

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Climate Policy and Initiatives

NORTH CAROLINA COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

North Carolina Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of North Carolina Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

North Carolina Community	U.S. Average
1.58%	5.69

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2024, North Carolina Community had $146,191 in non-current loans and $10,550 in owned assets. To cover these potential losses it had $9,749,589 in net worth and $147,793 in loans loss reserves. That gives it a Texas Ratio of 1.58%.

Net Worth

North Carolina Community	U.S. Average
10.61%	14.16%

North Carolina Community FCU has a net worth of 10.61% versus the BestCashCow average of 14.16. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for North Carolina Community

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