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Neighborhood Credit Union
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Routing #311079270

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Rates & Fees


Rates Effective: March 6, 2023 . All rates quoted are Annual Percentage Yield (APY). Rates subject to change.

 

Product Rate APY Minimum Initial Deposit
High Yield Checking (Up to $50,000)1 4.16% 0.01%-4.25% $100
High Yield Checking (Above $50,000)1 0.10% 4.25%-1.48% $100



Product Details Monthly Fee Minimum Initial Deposit
Cash Back2 Cash Back Rewards Free $25
Priority3 Overdraft Fee Forgiveness4 $11.99 $25
Fresh Start Second Chance Checking $20 $25

 

Learn more about checking accounts


1High-Yield Checking qualifications that must be met to obtain the Higher Interest Rate and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 4.25%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 4.25% to 1.48% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.

2Cash Back Checking qualifications that must be met to obtain cash back rewards and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle. Qualification Cycle and Statement cycle = first day of month through last day of month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; and (b) you will receive 3% cash back on purchases up to $200 for a total of $6 per month on combined debit and credit card purchases. If qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Minimum to open is $25. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.

3Restrictions apply. Priority Checking begins with a $11.99 base service charge monthly fee that can be reduced or eliminated. The fee is reduced by $1.00 each Monthly Qualification Cycle for receiving electronic statements. The fee is reduced by $.20 each time you use your debit card to make a signature-based purchase during the Monthly Qualification Cycle (purchase must be $5 or more; ATM and PIN based transactions are excluded). Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. Transactions may take one or more banking days from the date the transaction was made to post to and settle account. See the Fee Schedule here. **Overdraft Fee Forgiveness applies only to fees charged for overdraft and Courtesy Pay and is granted upon request on an annual basis. Relationship Fee refunds received during the calendar year will count toward the annual limit of $40.

4Overdraft Fee Forgiveness applies only to fees charged for overdraft and Courtesy Pay and is granted upon request on an annual basis.

Rates Effective: March 1, 2023 .  All rates quoted are Annual Percentage Yield (APY). Rates subject to change.


Product Rate APY Minimum Initial Deposit Minimum Balance to Earn Dividend
Prize Savings1 0.10% 0.10% $25 $100
High Yield Savings2 2.96% 3.00% $10,000 $10,000
Membership Savings 0.10% 0.10% $25 $100
Special Savings 0.10% 0.10% $25 $100
Christmas Club3 0.10% 0.10% $25 $100
Kid's Savings4 0.10% 0.10% $25 $100
IRA 0.10% 0.10% $100 $100

 

Learn more about savings accounts


1Prize Savings: ​Prize Savings Account - Limit one (1) Prize Savings account per membership. Must be 18 years of age or older. Minimum deposit of $25 to open. Receive one (1) entry for every $25.00 weekly average daily balance for Weekly Giveaway. Receive one (1) entry for every $25.00 monthly average daily balance for Annual Grand Prize Giveaway. Please refer to the Official Prize Entry Rules at www.myncu.com/prize-rules for details. Winners will receive a 1099-MISC at the end of each year for tax reporting. Federally Insured by NCUA.

2High Yield Savings: *APY = Annual Percentage Yield. Rate is accurate as of 03/01/2023. Rates are subject to change at any time. Minimum $10,000 deposit required to open account. Minimum balance of $10,000 required to earn 3.00% APY with a rate of 2.96%, balances under $10,000 earn 0.00% APY. Three (3) withdrawals allowed per month, each withdrawal after will incur a fee. Federally Insured by NCUA.

3Christmas Club: APY=Annual Percentage Yield. Account earns a rate of 0.10% and an APY of 0.10%. Minimum deposit to open $25.00. Minimum average daily balance to earn dividends and stated APY is $100.00. Dividends compounded and paid monthly. Account withdrawal limitations apply. See fee schedule for details.​ Federally Insured by NCUA.

4Kids Savings: For children under the age of 13. Minimum deposit to open is $25. Account opened as a sub-account under the parent or eligible adult. The parent or eligible adult must have an existing membership with Neighborhood Credit Union. The social security number and any tax related reporting will be the parent or eligible adult's information. The Kids Savings Account (Cub Account) rewards and giveaways based on program details may change at any time and awards are subject to availability. Once the child is 13 years of age (or a minimum of 8 years and has the ability to sign a document with a cursive signature), the child is eligible to open their own Membership Savings Account with a parent or eligible adult as a joint owner if they meet the qualifications for membership and provide their social security number.

Rates Effective: March 1, 2024 . All rates quoted are Annual Percentage Yield (APY). Rates subject to change.


Certificates of Deposit

Term Rate APY Minimum Initial Deposit
Standard CD1


91 Days 3.44% 3.50% $2,500
6 Months 3.92% 4.00% $2,500
12 Months 4.88% 5.00% $2,500
18 Months 4.40% 4.50% $2,500
30 Months 4.16% 4.25% $2,500
36 Months 4.15% 4.07% $2,500
48 Months 3.92% 4.00% $2,500
60 Months 3.68% 3.75% $2,500
Special CDs


12 Month FlexPlus2 3.92% 4.00% $500
17 Month Online Savings3 4.12% 4.25% $1,500
25 Month Inflate My Rate4 4.40% 4.50% $2,500

Traditional & Roth IRA Certificates1

Term Rate APY Minimum Initial Deposit 
12 Months 4.88% 5.00% $2,500
18 Months 4.40% 4.50% $2,500
30 Months 4.16% 4.25% $2,500
36 Months 4.15% 4.07% $2,500
48 Months 3.92% 4.00% $2,500
60 Months 3.68% 3.75% $2,500

 

Learn more about certificates of deposit


1Standard CD: Rate subject to change. Minimum opening deposit is $2,500 for all standard, IRA, and Roth IRA certificates. Interest is compounded daily. An interest penalty is required for early withdrawal.​ Fees may reduce earnings. Federally Insured by NCUA.

2Flex Plus CD: ​Fixed interest rate at 3.92%. Rate subject to change. Minimum opening deposit is $500. Additional $25 minimum deposits allowed. An interest penalty is required for early withdrawal. Online certificate products must be opened online and are only eligible to those 18 years of age or older.​ Fees may reduce earnings. Federally insured by the NCUA.

3Online Savings CD: Fixed interest rate at 4.12%. Rate subject to change. Minimum opening deposit is $1,500. Additional $25 minimum deposits allowed. An interest penalty is required for early withdrawal. Online certificate products must be opened online and are only eligible to those 18 years of age or older.​ Fees may reduce earnings. Federally Insured by NCUA.

4Inflate My Rate CD: APY = Annual Percentage Yield. Must be 18 years of age or older to open Certificate of Deposit. Rates subject to change. Interest is compounded daily. $2,500 minimum deposit to open. Only one rate increase allowed during 25 month term. Rate increase is not automatic and is dependent on member request by secure communication or verifiable documents. Rate increase will have an effective date that begins on date of confirmed request and will be in effect from that date till term end. Rate increased interest rate is dependent on Neighborhood CU's 18 month CD. If our 18 month CD rate increases during your Inflate My Rate CD's 25 month term, request a rate increase and we'll increase your Inflate My Rate CD's interest rate to match the 18 month CD rate. The new rate is locked in until end of the term. At the end of the 25 month term, Inflate My Rate CD converts and renews as a standard Neighborhood CU 18 month CD. Cannot be combined with any other rate offers or rate increase promotions. Not offered on trusts, business accounts or Individual Retirement Accounts (IRAs). An interest penalty is required for early withdrawal. Fees may reduce earnings. Federally insured by NCUA.​

Rates Effective: June 1, 2020. APY=Annual Percentage Yield. Rates may change at any time. Account earns 0.00% on balances below $1,000. Account earns a rate of 0.10% and an APY of 0.10% on balances of $1,000 to $9,999.99. Account earns a rate of 0.10% and an APY of 0.10% on balances of $10,000 or more. Minimum deposit to open $1,000.00. Minimum daily balance to earn dividends and stated APY is $1,000.00. Dividends compounded and paid monthly. Minimum balance fee of $10 per month assessed on balances below $2,000. Account transfer and withdrawal limitations apply. See fee schedule for details. Fees may reduce earnings.


Money Market Rate APY Minimum Initial Deposit 
$1,000 to $9,999.99 0.10% 0.10% $1,000
$10,000 and over  0.10% 0.10% $1,000


learn more about money market accounts

Rates Effective: February 8, 2024. Must be 18 years or older and a member of Neighborhood Credit Union. Credit application and approval required. Rates subject to change. Equal Opportunity Lender.


Term Rate
Auto & Motorcycle
60 months or Less As low as 5.99% APR
72 months As low as 6.25% APR
Other Vehicle Loans (RV & Boat)
60 months or less As low as 7.49% APR
72 months As low as 7.75% APR


Learn more about Auto Loans


Rates Effective: October 20, 2023. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit. Learn more about personal loans and credit cards.

Term or Product Rate
Unsecured Line of Credit
Revolving As low as 10.99% APR
Unsecured Personal Loans1
36 months or less As low as 10.99% APR
37-60 months As low as 11.99% APR
Shared Secured Loans
Shares Rate plus 3.00% APR
Certificate of Deposit (CD) CD Rate plus 3.00% APR
Money Market Rate plus 3.00% APR
Overdraft Loan2 Fixed rate of 18% APR
Quick Cash Loan3 Fixed rate of 28% APR
Credit Card
Visa Personal Platinum 1.99% intro APR4
Cash Rewards Up to 18.00% APR5

Projects Plus Home Loan Rates6

Rates Effective: October 2, 2023. Learn more about Project Plus Home Loan

Term in Months

Rate & Loan Amount


$5,000 - $9,999 $10,000 - $19,999 $20,000 - $39,999 $40,000 - $59,999 $60,000 - $100,000
24 - 36 11.00% APR 10.75% APR 10.50% APR 10.25% APR 10.00% APR
37 - 48 11.25% APR 11.00% APR 10.75% APR 10.50% APR 10.25% APR
49 - 60 11.50% APR 11.25% APR 11.00% APR 10.75% APR 10.50% APR
61 - 72 11.75% APR 11.50% APR 11.25% APR 11.00% APR 10.75% APR
73 - 84 n/a 11.75% APR 11.50% APR 11.25% APR 11.00% APR
85 - 144 n/a n/a 11.75% APR 11.50% APR 11.25% APR

1Personal Loan: Credit application is required. Must be 18 years of age or older and a member of Neighborhood Credit Union. Terms from 0 months to 60 months. Rates range from as low as 10.99% APR up to 17.99% maximum APR. Rates, terms and conditions are subject to change and may vary based on credit worthiness. Interest begins accruing the day the loan is funded. Restrictions may apply. (Repayment Example: The payment on a $10,000 loan would be $217.37 per month at a non-variable interest rate of 10.99% APR with a 60 month term. This equates to $3,042.46 over the life of the loan.) Membership required with a $25 minimum deposit. Equal Opportunity Lender.

2Overdraft Loan: ​ Must be 18 years of age or older. Personal checking accounts that have been open for a minimum of 90 days and are currently overdrawn are eligible for loan. Business checking accounts are not eligible. An Overdraft Loan is established only on the overdrawn checking account under one membership number for the exact overdrawn amount and does not cover any outstanding, expected, or not posted amounts. Minimum loan amount is $250.00. Maximum loan amount is equal to the current overdrawn amount at the time of application. Term of repayment is up to 6 months for loan balances $1,000 or less or up to 12 months on balances over $1,000. Fixed 18.00% APR. Loan is not eligible for Skip-A-Payment. Ability to repay loan must be demonstrated. Payment dates and payment frequency cannot be changed. If enrolled in Courtesy Pay, Courtesy Pay will be suspended until Overdraft Loan is paid in full, or may be permanently suspended. Member will be informed at time of agreement signing if suspension is permanent or temporary. Courtesy Pay reinstatement may reflect new amounts based on updated criteria. Other restrictions may apply. Equal Opportunity Lender.

3Quick Cash: Must be 18 years or older and a member of Neighborhood Credit Union for a minimum of 12 consecutive months. Loan application and approval required. Loan cannot exceed $2,000 with a term not exceeding 12 months. An APR of 28.00% will be applied. Proof of income is required. Quick Cash Loan is not eligible for the Skip-a-Payment program. Only one Quick Cash Loan can be open at a time. Must not have had a Quick Cash Loan open within the last 180 days. A fee of $20 can be assessed for loan once within a 180 day period. Late payment fees assessed separately. Other restrictions may apply. Equal Opportunity Lender.

4Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. Introductory APR only applicable to new credit card applications. 1.99% Introductory APR for 6 months from issuance of the card on balance transfers and purchases. After the introductory period, APR will be adjusted based on creditworthiness and balance transfer fee will be at 3%. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. Additional limitations, terms and conditions may apply. Equal Opportunity Lender.

5Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. Minimum credit line is $5,000. APR based on creditworthiness. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. No balance transfer fees. Additional limitations, terms and conditions may apply. Equal Opportunity Lender. 

6Projects Plus: Must be 18 years or older and a home owner with a valid email address. Applicant must have a minimum 680 credit score, at least seven [7] years of credit history, credit history shows a variety of credit types (credit cards/installment loans/vehicle loans/etc.), and credit history displays an excellent repayment history. Loan purpose must be for improving primary residence and funds must be used for purpose stated on application. Loan application required. Subject to credit review and approval. Projects Plus Home Loan application for credit must be completed and submitted online at myncu.com. Only one Projects Plus Home Loan per member can be open at a time. Your loan terms, including APR, may differ based on, amount, term length, and your credit profile. Lowest rates require excellent credit. Minimum loan amount $5,000. Not eligible for Skip-A-Payment or refinancing. Loan amount cannot be added to after funding. (Repayment Example: The payment on a $5,000 loan would be $163.69 per month at a non-variable interest rate of 11.00% APR with a 36-month term. This equates to $5,892.97 over the life of the loan.) Additional conditions and limitations may apply. Advertised rates and terms are subject to change without notice. Equal Opportunity Lender.

Mortgage & Refinancing Rates

Click to learn more about Home Loans.
















Projects Plus Home Loan Rates¹

Rates Effective: October 2, 2023. Learn more about Project Plus Home Loan

Term in Months

Rate & Loan Amount


$5,000 - $9,999 $10,000 - $19,999 $20,000 - $39,999 $40,000 - $59,999 $60,000 - $100,000
24 - 36 11.00% APR 10.75% APR 10.50% APR 10.25% APR 10.00% APR
37 - 48 11.25% APR 11.00% APR 10.75% APR 10.50% APR 10.25% APR
49 - 60 11.50% APR 11.25% APR 11.00% APR 10.75% APR 10.50% APR
61 - 72 11.75% APR 11.50% APR 11.25% APR 11.00% APR 10.75% APR
73 - 84 n/a 11.75% APR 11.50% APR 11.25% APR 11.00% APR
85 - 144 n/a n/a 11.75% APR 11.50% APR 11.25% APR


1Projects Plus: Must be 18 years or older and a home owner with a valid email address. Applicant must have a minimum 680 credit score, at least seven [7] years of credit history, credit history shows a variety of credit types (credit cards/installment loans/vehicle loans/etc.), and credit history displays an excellent repayment history. Loan purpose must be for improving primary residence and funds must be used for purpose stated on application. Loan application required. Subject to credit review and approval. Projects Plus Home Loan application for credit must be completed and submitted online at myncu.com. Only one Projects Plus Home Loan per member can be open at a time. Your loan terms, including APR, may differ based on, amount, term length, and your credit profile. Lowest rates require excellent credit. Minimum loan amount $5,000. Not eligible for Skip-A-Payment or refinancing. Loan amount cannot be added to after funding. (Repayment Example: The payment on a $5,000 loan would be $163.69 per month at a non-variable interest rate of 11.00% APR with a 36-month term. This equates to $5,892.97 over the life of the loan.) Additional conditions and limitations may apply. Advertised rates and terms are subject to change without notice. Equal Opportunity Lender.

Fees Effective: February 5, 2024

Event Fee
Savings Accounts
Excess Withdrawals* $12 per withdrawal
Minimum Relationship Fee $5 per month
High Yield Savings** $10 per month
Money Market Accounts
Money Market Account $10 per month
Money Market Excess Withdrawals $12 per withdrawal

*Includes cash, check, and transfer withdrawals after three (3) free withdrawals per month.
◊If minimum monthly balance of $500 is not maintained on a Prize Savings Account or Membership Savings Account and no other loan or deposit relationship exists.
**If minimum balance is not maintained. Minimum balance for High Yield Savings = $10,000.
†If minimum balance is not maintained. Minimum balance for Money Market accounts = $2,000.
‡After six (6) withdrawals or transfer transactions.

Fees Effective: February 5, 2024.

Event Fee
Transfer Pay from Share Account
Savings to Checking or Checking to Checking transfer.
$5 per overdraft
Transfer Pay from Line of Credit
Transfer from Personal Line of Credit to Share Account.
Free
Courtesy Pay ATM and VISA Debit Card* $34 per presentment
Courtesy Pay ACH / Check** $34 per presentment
Returned Check / ACH Insufficient Funds $34 per presentment
Stop Pay*** $34 per presentment
Fresh Start Checking Account $20 per month
Priority Checking Account $11.99 per month

*Fee is not charged if your ATM or debit card purchase is $5 or less.
**Fee is not charged if your ACH or check is $5 or less
***Member Checks, Official Checks, and ACH Payments

Fees Effective: February 5, 2024

Item Fee
Paper Statement Fee $4.95 per mailing
Undeliverable Statement Fee $5 per item
Non-Member Check Cashing $8 per item
Account Reconciling/Research $25 per hour
Deposited Check Held for Collections (Domestic) $15 per presentment
Foreign Check Held for Collection $25 per presentment
Statement Copy $5 per copy
Returned Deposit $15 per presentment
Incoming Wire Transfer – Domestic & International  $10 per transfer
Outgoing Wire Transfer – Domestic $29 per transfer
Outgoing Wire Transfer – International $45 per transfer
Official Check (less than $5,000) $9 per check
Check Cashing* 2% of cash received
Garnishment $100 per item
Tax Levy Fee $100 per tax levy
Verification of Deposit $15

*If only savings account relationship, fee assessed if check more than $500 and savings does not have matching funds. Fee waived if savings account has at least matching funds or checking account relationship also exists.

Fees Effective: February 5, 2024

Item Fee
ATM Withdrawal/Inquiry at Non-Neighborhood CU ATM $1.95 per transaction


Debit Card Fees
Replacement Debit Card $8 per replacement
Debit Card Charge Back $35 per presentment
Photocopy of Debit Sales Slip $10 per copy
Debit Card International Transaction Fee 2% of transaction
 

Fees Effective: February 5, 2024

Item Fee
Online Bill Payment* $5.95 per month
Zelle®/Stop Payment $34 per presentment

*Waived the first three months of new enrollment and then when one or more bills are paid during the month.

Fees Effective: February 5, 2024

Item Fee
Collection Fee – Pay By Phone Using Checks or Debit Cards $15 per item
Employee Assisted Loan Payment
ACH, Debit Card, or Credit Card
$15 per presentment
Payment Extension – Online or Mobile Banking Request $40 per presentment
Payment Extension – Phone or Branch Request $55 per presentment
Returned Loan Payment Fee $34 per item
Boat Loan Documentation Fee $130 per item
Collateralized Loan Documentation Fee
Applies to loans with collateral
$75 per item

Fees Effective: February 5, 2024

Item Fee
Size Annual Rental Fee
3 x 5 $55
3 x 10 $85
5 x 10 $120
10 x 10 $160
Service Fee
Change Lock / Drilling Box $200
Key Deposit $15 (refundable)

Fees Effective: February 5, 2024

Item Fee
Membership Share $25 par value

*APY = Annual Percentage Yield **APR = Annual Percentage Rate. Download the current Rates & Fees Schedule and Business Accounts Fee Schedule.
 
1) Rates effective: February 8, 2024. Must be 18 years or older and a member of Neighborhood Credit Union. Credit application and approval required. Rates subject to change. Equal Opportunity Lender.
 

2) Rates effective: March 1, 2023. High Yield Savings: *APY = Annual Percentage Yield. Rate is accurate as of 03/01/2023. Rates are subject to change at any time. Minimum $10,000 deposit required to open account. Minimum balance of $10,000 required to earn 3.00% APY with a rate of 2.96%, balances under $10,000 earn 0.00% APY. Three (3) withdrawals allowed per month, each withdrawal after will incur a fee. Federally Insured by NCUA.

3) March 1, 2024. Standard CD: Rate subject to change. Minimum opening deposit is $2,500 for all standard, IRA, and Roth IRA certificates. Interest is compounded daily. An interest penalty is required for early withdrawal.​ Fees may reduce earnings. Federally Insured by NCUA.

4) Rates effective as of February 8, 2024. Must be 18 years or older and a member of Neighborhood Credit Union. Credit application and approval required. Rates subject to change. Equal Opportunity Lender.

5) Rates effective as of March 6, 2023. High-Yield Checking qualifications that must be met to obtain the Higher Interest Rate and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 4.25%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 4.25% to 1.48% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.
 
The fees appearing in this schedule are accurate and effective for deposit accounts as of the Effective Date indicated. Rates are subject to change without notice and the rates on accounts other than a certificate of deposit (CD) may vary after the account is opened. Fees may reduce earnings. Check deposits are subject to Neighborhood Credit Union’s Funds Availability Policy. If you have any questions or require current rate and fee information on your accounts, please call Neighborhood Credit Union at 214-748-9393 or 800-321-3728. View the Truth-in-Savings Disclosure and our Notice Documents.