Banking owned by the people who use it.
NARCU is a member-owned credit union. We put our earnings back into better rates, lower fees, and the neighborhoods we serve.
Already a member? Log in to online banking (coming soon)
Can you join?
Enter your ZIP code and we'll tell you if you're in our service area. Try 27601, 28202, 23219, or 90210.
Everything you need, under one roof
Open an account in about five minutes. Not a member yet? You can join and apply at the same time.
Checking
No monthly fee, no minimum, and a rewards account that pays up to 2.75% APY.
Compare checkingSavings and certificates
Start with a $5 share. Grow it with a money market or a certificate up to 4.50% APY.
Start savingWhy a credit union?
You're an owner, not just a customer
Every member holds a $5 share in NARCU and gets an equal vote in electing our volunteer board. One member, one vote, whether you have $5 or $500,000.
Earnings come back to you
We're a not-for-profit cooperative. Instead of paying shareholders, we return earnings through higher savings rates, lower loan rates, and fewer fees.
Decisions made by neighbors
Our loan officers live where you live. We keep and service our own mortgages and auto loans, so you talk to the same people from application to payoff.
Find a branch or ATM near you
We have 13 branches across North Carolina, Virginia, and South Carolina, plus free ATMs at airports and campuses. You also get access to a shared network of thousands more.
Your $5 share opens the door.
Join in minutes and start with Share Savings, then add whatever else you need.