North Carolina's National College Savings Program

It's never too early to start saving for college -
and now there's an easy, tax-advantaged way!

Start Now Click to access Savings Program Account
(Please read before making investment option selections.)
North Carolina's 529 plan can help make college more affordable.
Our program is:
Accessible - Just about anyone can open an account.
Affordable - You decide how much you can contribute and how often.
Comprehensive - Choose from a variety of investment options.
Flexible - Use the money to pay expenses at virtually any college anywhere.
Tax Free - Account earnings are free of federal and North Carolina income taxes when the money is used to pay for qualified education expenses.
Questions? Please call us toll-free at 800-600-3453 from 8am-8pm Eastern Time Monday-Thursday and 8am-5pm Eastern Time on Friday.
North Carolina's National College Savings Program is a program of the State of North Carolina, established and maintained by the North Carolina State Education Assistance Authority (Authority) as a qualified tuition program under federal tax law, and administered by College Foundation, Inc. (CFI) Current Investment Options are offered by State Employee's Credit Union (SECU) and The Vanguard Group, Inc. (Vanguard).

The features of a qualified tuition program are complex and involve significant tax issues. The earnings portion of withdrawals not used for qualified higher education expenses is subject to federal income tax and a 10% federal penalty tax, as well as state and local income taxes. The availability of tax benefits may be contingent on meeting other requirements.

Accounts are not bank or credit union deposits and are not insured by the Federal Deposit Insurance Corporation or the National Credit Union Administration (NCUA). Neither the Contributions nor the earnings thereon invested in a Program Account are backed by the full faith and credit of the State of North Carolina or guaranteed by the Authority, CFI, SECU, or Vanguard. Not withstanding the foregoing, contributions and interest earned thereon allocated to the Federally-Insured Deposit Account Investment Option are guaranteed by the State Employees' Credit Union and insured by the NCUA, which is backed by full faith and credit of the United States Government. The value of a Participant's Account will fluctuate depending on the market conditions and the performance of the Investment Option selected. You could lose money by investing in the Program. Participants assume all responsibility for federal and state tax consequences.