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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 October 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 and Verified: October 14, 2026
N C P D's top rates as of October 14, 2026 are 4.35% APY on its 24 Month CD, 5.09% APY on savings, 6.12% on its 5/1 ARM mortgage, and personal loans from 10.50% APR, according to rates verified by MonitorBankRates. Other N C P D CD rates include 12 Month CD at 4.25%, and 6 Month CD at 4.15%. Other N C P D mortgage rates include First Mortgage at 6.25%, First Mortgage at 6.38%, and First Mortgage at 6.75%. 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 0.63%. Rates last updated and verified on 10/14/2026. 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. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Auto Loan Rates
N C P D RV, Boat and Powersport Loan Rates
N C P D Personal Loan Rates
N C P D Other Rates
Financial Health HistoryN C P D’s Texas Ratio stayed near 0.47% in Q3 2023 to 0.63% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
34
Part-Time Employees
3
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
0.63%
Return on Assets (ROA)
0.3717%
Return on Equity (ROE)
2.2423%
Non-Performing Loans Ratio (NPL)
0.29%
Total Assets
908,832,529
Total Amount of Shares and Deposits
747,906,669
Total Shares and Deposits < 1 Year
746,230,048
Total Shares and Deposits 1 3 Years
1,676,621
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
112,669,467
Total Uninsured Shares and Deposits > $250K (F+J)
112,669,467
Total Insured Shares and Deposits > $250K (item 17 less item K)
635,237,202
Total Interest Expense (Sum of items 6 8)
9,411,613
Share Certificates
1,881
Number of Accounts for Share Drafts
8,890
IRA KEOGH Accounts
1,245
Number of Accounts for Regular Shares
17,474
Net Income (unless the amount is already included in Undivided Earnings)
1,851,941
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
72,841,820
Total Liabilities
806,191,220
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for N C P D yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for N C P D
Frequently Asked Questions About N C P DHow 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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