Personal Savings Accounts

Whether you are ready to start saving or are looking for options to maximize your earnings, NCB has the right solution for your needs. 

We encourage our customers to save. We believe in putting your extra money to work for you, and offer a wide range of products from a basic Statement Savings to a Kid's Club account, as well as competitive-rate Money Market accounts and Certificates of Deposit.

Statement Savings

This is a great way to start small and build your way up to a nice nest egg. Make unlimited deposits and have the ability to withdraw funds when you need them.

  • FREE Online Banking with FREE eStatements 
  • FREE Mobile Banking with Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking
  • $100.00 opening deposit and minimum balance to avoid a monthly maintenance fee
  • Earn interest on balances over $100.00
  • Excess withdrawal fees imposed for each withdrawal in excess of 6 per month (ATM withdrawals excluded).  Limited items include preauthorized, automatic, online, or telephone transfers of funds to another account or to a third party from your account. 

Capital Kid's Club Savings

Help teach your children to save and learn the basics of managing money.

  • Opening deposit as little as $1.00
  • No monthly maintenance fees
  • Free ATM card with joint ownership of a parent or guardian
  • FREE automated account access through our telebanking system - Anytime Banking
  • Comes with a set of tools and resources to get started saving
  • Excess withdrawal fees imposed for each withdrawal in excess of 6 per month (ATM withdrawals excluded).  Limited items include preauthorized, automatic, online, or telephone transfers of funds to another account or to a third party from your account. 

Premium Money Market

Access your funds through limited-check writing, while earning premium rates on our competitively priced money market account. 

  • FREE Visa Check Card with chip technology
  • FREE Online Banking with FREE eStatements 
  • FREE Mobile Banking with Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking
  • $2,500.00 minimum balance to avoid a monthly maintenance fee
  • Tiered interest rate on balances
  • Excess withdrawal fee imposed for each withdrawal in excess of 6 per month (ATM withdrawals excluded).  Limited items include preauthorized, automatic, online, or telephone transfers of funds to another account or to a third party from your account. 

Certificates of Deposit

Choose from a variety of fixed-rate terms and choose the best option to receive your interest payments.

  • Terms range from 3 to 30 months
  • Interest is compounded and credited to the CD on a monthly basis with the option to deposit into an NCB account or receive a monthly check
  • Minimum opening deposit of $1,000

Get started today – Contact us for details on our Personal Savings Accounts 


For maintenance and other monthly fees, please refer to our Fee Schedule.