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Source: https://www.myncu.com/bank/rates-and-fees
Read: 2026-10-22T16:23:44.000Z

Rates for Savings & Loans | Neighborhood Credit Union Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Rates Effective: July 1, 2026 . All rates quoted are Annual Percentage Yield (APY). Rates subject to change.
Product | Rate | APY | Minimum Initial Deposit
High Yield Checking (Up to $25,000) 1 | 3.92% | 0.01%-4.00% | $100
High Yield Checking (Above $25,000) 1 | 0.10% | 4.00%-1.40% | $100
Product | Details | Monthly Fee | Minimum Initial Deposit
Cash Back 2 | Cash Back Rewards | Free | $25
Priority 3 | Overdraft Fee Forgiveness 4 | $11.99 | $25
Fresh Start | Second Chance Checking | $20 | $25
1 APY=Annual Percentage Yield and is accurate as of 07/01/2026. Rates may change after account is opened. 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 $25,000 receive APY of 4.00%; and (c) balances over $25,000 earn an interest rate of 0.10% on the portion of the balance over $25,000, resulting in 4.00% to 0.88% 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.
2 Cash 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.
Rates Effective: October 1, 2025 . All rates quoted are Annual Percentage Yield (APY). Rates subject to change.
Product | Rate | APY | Minimum Initial Deposit | Minimum Balance to Earn Dividend
Prize Savings 1 | 0.10% | 0.10% | $25 | $100
High Yield Savings 2 | 2.71% | 2.75% | $100 | $10,000
Membership Savings | 0.10% | 0.10% | $25 | $100
Special Savings | 0.10% | 0.10% | $25 | $100
Christmas Club 3 | 0.10% | 0.10% | $25 | $100
Kid's Savings 4 | 0.10% | 0.10% | $25 | $100
Max Savings on balances of $0-99,999 5 | 0.00% | 0.00% | $0 | $100,000
Max Savings on balances of $100,000 - 500,000 5 | 2.96% | 3.00% | $0 | $100,000
Max Savings on balances of 500,000+ 5 | 3.01% | 3.05% | $0 | $100,000
IRA | 0.10% | 0.10% | $100 | $100
2 High Yield Savings: *APY = Annual Percentage Yield. Rate is accurate as of 10/1/25. Rates are subject to change at any time. Minimum $100 deposit required to open account. Minimum balance of $10,000 required to earn 2.75% APY with a rate of 2.71%, 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 Christmas 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.
5 *APY = Annual Percentage Yield. Rate is accurate as of 10/01/2025. Balances $0–$99,999.99 will earn 0.00% APY (no dividends), $100,000–$499,999.99 will earn 3.00% APY with a fixed rate of 2.96%, and $500,000 and greater will earn 3.05% APY with a fixed rate of 3.01%. A minimum balance of $100,000 is required to earn dividends. Account has no monthly service fees. Three (3) withdrawals allowed per month, each withdrawal thereafter will incur a fee. Federally Insured by NCUA.
Rates Effective: September 23, 2026 . All rates quoted are Annual Percentage Yield (APY). Rates subject to change.
Term | Rate | APY | Minimum Initial Deposit
91 Days | 3.68% | 3.75% | $2,500
6 Months | 3.92% | 4.00% | $2,500
12 Months | 4.02% | 4.10% | $2,500
18 Months | 4.02% | 4.10% | $2,500
30 Months | 4.02% | 4.10% | $2,500
36 Months | 4.07% | 4.15% | $2,500
48 Months | 4.07% | 4.15% | $2,500
60 Months | 4.16% | 4.25% | $2,500
12 Month FlexPlus 2 | 3.92% | 4.00% | $500
17 Month Online Savings 3 | 4.07% | 4.15% | $1,500
25 Month Inflate My Rate 4 | 4.02% | 4.10% | $2,500
15 Months 5 | 4.31% | 4.40% | $10,000
Term | Rate | APY | Minimum Initial Deposit
12 Months | 4.02% | 4.10% | $2,500
18 Months | 4.02% | 4.10% | $2,500
30 Months | 4.02% | 4.10% | $2,500
36 Months | 4.07% | 4.15% | $2,500
48 Months | 4.07% | 4.15% | $2,500
60 Months | 4.16% | 4.25% | $2,500
2 Flex 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.
3 Online Savings CD: Fixed interest rate at 4.07%. 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.
4 Inflate 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.​
5 APY = Annual Percentage Yield. APY of 4.40% effective as of 09/16/2026. Promotional rate and APY are subject to change prior to account opening. Once opened, the rate is fixed for the 15-month term. Minimum opening deposit is $10,000. CD must be opened with new funds (brought from an outside source), cannot be opened with funds currently on deposit with Neighborhood Credit Union, nor have the funds left Neighborhood CU within the last 14 days of promotional start date. At the end of the 15 Month term, the CD converts and renews as a standard Neighborhood CU 12 Month CD. Cannot be combined with any other rate offers or rate increase promotions. Not offered on Individual Retirement Accounts (IRAs). Limited time offer. Promotion may end at any time without notice. Interest is compounded daily. An interest penalty is required for early withdrawal. 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
Rates Effective: October 1, 2026. ​Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Lowest advertised rate includes the maximum 0.50% discount for new and used auto loans and 0.35% discount for auto loan refinancing. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable for refinancing). Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check. Rates subject to change. Equal Opportunity Lender.
Term | Rate
54 months or Less | As low as 4.34% APR
54 months or less refinance | As low as 4.49% APR
72 months | As low as 4.59% APR
54 months or Less | As low as 4.59% APR
54 months or less refinance | As low as 4.74% APR
72 months | As low as 4.89% APR
54 months or Less | As low as 4.99% APR
54 months or less refinance | As low as 5.14% APR
72 months | As low as 5.49% APR
54 months or Less | As low as 6.24% APR
72 months | As low as 6.99% APR
72 months or less | As low as 6.74% APR
95 months | As low as 6.99% APR
Term or Product | Rate
Revolving | As low as 12.99% APR
12 months or less | As low as 7.49% APR
13-24 months | As low as 7.47%APR
Shares | Rate plus 3.00% APR
Certificate of Deposit (CD) | CD Rate plus 3.00% APR
Money Market | Rate plus 3.00% APR
Overdraft Loan 2 | Fixed rate of 18% APR
Visa Personal Platinum | 1.99% intro APR³
Cash Rewards | Up to 18.00% APR 5
Term in Months | Rate & Loan Amount
73 - 94 | 9.74% APR
1 Personal Loan:​ Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $2,001 required. Lowest advertised rate dependent on excellent credit and reflects the maximum 1.00% rate discount. Lowest loan rate is available by qualifying for applicable discounts. Eligible discounts include having an established direct deposit totaling $500 or more with a checking account (0.30%), setting up automatic payments (Auto Pay) (0.15%), and refinancing your auto loan currently financed with another lender when funding a new unsecured personal loan (0.55%). Rates subject to change prior to loan funding. Rates may change after funding should applicant not meet the discount criteria within 60 days. Equal Opportunity Lender.
2 Overdraft 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.
3 ​Must 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 $30.00 or 3.00% of the amount of each balance transfer, whichever is greater. 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.
3 ​Must 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. 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.
Term in Months | Rate & Loan Amount
73 - 94 | 9.74% APR
Loan Type | Interest Rate
Home Equity (1st Lien) | As low as 6.29% APR*
Home Equity (2nd Lien) | As low as 6.79% APR*
*Lowest advertised rate reflects the maximum 0.20% discount. Lowest home equity rate is available by qualifying for applicable discount. Maximum eligible discount based on Combined Loan to Value below 50%.
Event | Fee
Excess Withdrawals* | $12 per withdrawal
Minimum Relationship Fee ◊ | $5 per month
Money Market Account † | $10 per month
Money Market Excess Withdrawals ‡ | $12 per withdrawal
Event | Fee
Transfer Pay from Share Account Savings to Checking or Checking to Checking transfer. | Free
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
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 | $40 per presentment
Statement Copy | $5 per copy
Incoming Wire Transfer – Domestic & International | $10 per transfer
Outgoing Wire Transfer – Domestic | $30 per transfer
Outgoing Wire Transfer – International | $45 per transfer
Official Check (less than $5,000) | $10 per check
Check Cashing* | 2% of cash received
Garnishment | $100 per item
Tax Levy Fee | $100 per tax levy
Verification of Deposit | $15
Item | Fee
ATM Withdrawal/Inquiry at Non-Neighborhood CU Network ATM | $1.95 per transaction
Replacement Debit Card | $8 per replacement
Debit Card Charge Back | $37 per presentment
Debit Card International Transaction Fee | 2% of transaction
Item | Fee
Online Bill Payment* | $5.95 per month
Zelle ® /Stop Payment | $34 per presentment
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
Item | Fee
Size | Annual Rental Fee
3 x 5 | $55
3 x 10 | $85
5 x 10 | $125
10 x 10 | $175
Service | Fee
Change Lock / Drilling Box | $200
Key Deposit | $15 (refundable)
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: October 1, 2026. ​Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Lowest advertised rate includes the maximum 0.50% discount for new and used auto loans and 0.35% discount for auto loan refinancing. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable for refinancing). Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check. Rates subject to change. Equal Opportunity Lender.
2) Rates effective: October 1, 2025. High Yield Savings: *APY = Annual Percentage Yield. Rate is accurate as of 10/1/25. Rates are subject to change at any time. Minimum $100 deposit required to open account. Minimum balance of $10,000 required to earn 2.75% APY with a rate of 2.71%, 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.
4) Rates effective as of October 1, 2026. ​Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Lowest advertised rate includes the maximum 0.50% discount for new and used auto loans and 0.35% discount for auto loan refinancing. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable for refinancing). Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check. Rates subject to change. Equal Opportunity Lender.
5) Rates effective as of July 1, 2026. APY=Annual Percentage Yield and is accurate as of 07/01/2026. Rates may change after account is opened. 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 $25,000 receive APY of 4.00%; and (c) balances over $25,000 earn an interest rate of 0.10% on the portion of the balance over $25,000, resulting in 4.00% to 0.88% 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.