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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
N C P D Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
N C P D's 6 Month CD rates are at 4.00%, 12 Month CD rates are at 3.75%, 24 Month CD rates are at 3.50%. N C P D's savings rates are at 1.76%. N C P D's First Mortgage Up to 10 Years rates are at 5.50%, First Mortgage** rates are at 5.50%, First Mortgage 15 Years rates are at 5.62%, First Mortgage** rates are at 5.62%, First Mortgage 20 Years rates are at 5.75%. N C P D's Personal Loan Rates are at 10.25%. MonitorBankRates evaluates the financial stability of N C P D with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.68%. Rates were last updated on 03/28/2026. N C P D money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at N C P D? Share your experience about N C P D by leaving a review below, or read customer reviews before you decide to use N C P D. First Community Bank, Xenia-Flora
Plainview Main Office 777 Old Country Rd
http://ncpdfcu.org Plainview, NY 11803 4992 
N C P D CD Rates
N C P D Savings Rates
N C P D Mortgage Rates
N C P D Home Equity & HELOC
N C P D Credit Card Rates
N C P D Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for N C P D is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather N C P D rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with N C P D's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
N C P D
Website
http://ncpdfcu.org
Address
777 Old Country Rd,
Plainview, NY 11803 4992
Phone
516-938-0300
Fax
516-938-0311
President
John Berry
CEO
William Mackey
Full-Time Employees
33
Part-Time Employees
1
Branch Locations
1
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.68%
Return on Assets (ROA)
0.5029%
Return on Equity (ROE)
3.0947%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
897,017,116
Total Amount of Shares and Deposits
731,265,691
Total Shares and Deposits < 1 Year
729,155,002
Total Shares and Deposits 1 3 Years
2,110,689
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
108,768,548
Total Uninsured Shares and Deposits > $250K (F+J)
108,768,548
Total Insured Shares and Deposits > $250K (item 17 less item K)
622,497,143
Total Interest Expense (Sum of items 6 8)
14,618,281
Share Certificates
1,592
Number of Accounts for Share Drafts
8,790
IRA KEOGH Accounts
1,307
Number of Accounts for Regular Shares
17,530
Net Income (unless the amount is already included in Undivided Earnings)
1,538,594
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
73,158,243
Total Liabilities
800,268,990
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About N C P DIs N C P D a safe place to deposit money?Yes, N C P D is considered a safe financial institution. With a Texas Ratio of 0.67582442196289%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does N C P D operate?N C P D currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join N C P D?Yes, to access services at N C P D, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, N C P D does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, N C P D provides members with tools to manage their accounts and build a solid financial history. Does N C P D offer online and mobile banking?Most modern institutions like N C P D provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://ncpdfcu.org. Current N C P D Rates
Retrieved from our database of financial products. Rates subject to change.
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