State Employees'Savings accountChecked Oct 10, 2026Updated
State Employees' Zard Share Account
0.25%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $25 after fees
- Monthly fee
- $1 a month
- To open
- $25 to open
Visit State Employees'The bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.25% | $2 |
| $5,000 | 0.25% | $12 |
| $10,000 | 0.25% | $25 |
| $25,000 | 0.25% | $62 |
| $50,000 | 0.25% | $125 |
| $100,000 | 0.25% | $250 |
Rate conditions
Fees
- Monthly fee
- $1 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- if account is below $25 minimum balance on statement dateSource · checked Oct 10, 2026
- Minimum to open
- $25Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $12Source · checked Oct 10, 2026
- Overdraft transfer fee
- NoneSource · checked Oct 10, 2026
- Incoming domestic wire
- NoneSource · checked Oct 10, 2026
- Outgoing domestic wire
- $15Source · checked Oct 10, 2026
- Incoming international wire
- NoneSource · checked Oct 10, 2026
- Outgoing international wire
- $35Source · checked Oct 10, 2026
- Cashier’s check
- $2Source · checked Oct 10, 2026
Who can open it
- Membership
- Membership required:
- Employees of the state of North Carolina, employees of North Carolina public boards of education, employees of North Carolina county departments of Social Services, Health, Mental Health, and Civil Defense, employees of associations formed for the benefit of state of North Carolina employees, employees of agencies or departments whose employees are otherwise subject to the North Carolina State Personnel Act, and employees of federal agencies assigned to North Carolina state agencies.
- Members of the North Carolina National Guard.
- Individuals retired from the above employment or service as pensioners and/or annuitants, including former employees who are “vested” and have not withdrawn or terminated future eligibility to be a pensioner and/or annuitant.
- Immediate family of an existing member, including spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships.
- Minimum age
- 13Source · checked Oct 10, 2026
Features
Branch accessInterest bearingJoint accountsMinor accounts
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money