High Yield Checking
High Yield Checking
Your everyday money could be doing more.
Put the balance you keep for bills and everyday spending to work while keeping it accessible. Plus, enjoy Zelle®, mobile wallet, MyPoints Rewards with your debit card, and more.
Make more of your balance
4.00% APY1
On balances up to $25,000 when monthly qualifications are met.
Plus, up to $15 in qualifying domestic ATM fee refunds each month.1
- $0 monthly service fee1
- $100 minimum to open
- Federally insured by NCUA
How to qualify each month
Complete all three requirements during each monthly qualification cycle to earn the higher yield and ATM fee refunds.1
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01 / Use your card
15 qualifying transactions
Make 15 individual or combined debit or credit card transactions of $5 or more each that post and settle during the cycle.
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02 / Direct deposit
$500 or more
Receive ACH direct deposits totaling at least $500 that post and settle during the cycle.
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03 / Go paperless
Enroll in eStatements
Sign up to receive electronic statements and decline paper statements.
The qualification cycle runs from the first through the last day of each month.† ATM transactions and transfers between accounts do not count toward qualifying transactions.
If qualifications are not met, all balances earn 0.01% APY, and ATM fees are not refunded for that cycle.1
*Additional Fees may apply, view our Rates and Fees for full details.
†Qualification Cycle = the first day of the month through the last day of the month.
1APY=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.
View the Truth-In-Savings Disclosure(Opens in a new Window).
See what your checking balance could earn
Explore an annual estimate based on the balance you keep in checking.
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$0 —
Assumes you meet all monthly qualifications. ATM refunds are not included in estimated earnings.
Estimated annual earnings
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Plus, up to — in qualifying domestic ATM fee refunds each month.
Open High Yield CheckingLoading current account rates…
This hypothetical illustration estimates annual earnings by applying the qualifying APY to the balance up to the qualifying limit and the upper-tier interest rate to the portion above that limit. It assumes monthly qualifications are met, rates remain unchanged for one year, and the selected balance remains steady. The estimate does not model compounding or changes in balance tiers caused by credited earnings. Actual earnings depend on daily balances, compounding, qualification status, and applicable rates. Fees may reduce earnings. Estimates are for informational purposes only and do not guarantee results or eligibility. See the account disclosures for complete terms.
4.00 $25,000 0.10 15
More Earning Potential. Everyday Convenience.
Bank Your Way
The MyNCU mobile app is where it all comes together. Mobile Deposit Checks, send money with Zelle®, manage your card, and so much more.
Get Paid Earlier
Eligible direct deposits may arrive up to two days early.
Access Your Money From Anywhere
Search for over 90,000 surcharge-free network ATMs when you need them.
Reward Your Routine
Earn MyPoints Rewards with each swipe of your free debit card or earn even more with My Rewards® Premium Debit Card. ³
³My Rewards® Gold or Platinum Debit Cards: Base amount of points earned for purchases using the basic Neighborhood Credit Union Debit Card is 1 point per $100 for signature or PIN based card transactions.
Explore the perks of banking with us!
View Perks
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| Surcharge-Free ATMs |
Courtesy Pay | Refer Friends, Get Rewarded |
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The MoneyPass and Allpoint ATM networks let you withdraw cash at over 90,000 ATMs nationwide without a surcharge. Cash deposits are also available at select deposit-taking ATMs.
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Short on funds? Courtesy Pay may help cover eligible payments when there isn’t enough money in your account. Available to qualified members. Coverage isn’t guaranteed, and overdraft fees apply.*
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Invite friends or family to Neighborhood Credit Union and explore referral rewards, including a $25 gift card through Invite a Friend and up to $200 for qualifying loan referrals. Terms apply.
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| Mobile Wallet |
Send Money with Zelle® | GreenPath Financial Wellness |
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Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
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Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to an account, and all you need is the recipient's email or U.S. cell number.
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With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
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*Courtesy Pay is available to qualified members after 2 days and overdraft fees apply. See Rates & Fees page for current fees. Please view the Courtesy Pay Guide(Opens in a new Window) here.
**Referral: Member is paid $200 for auto loan referral after the referred loan has been funded. Auto loans must be a minimum of $15,000. Offer excludes existing loans financed through Neighborhood Credit Union and cannot be combined with any other new member referral offers. Member is paid $100 for personal loan referral after the referred loan has been funded. Personal loans must be a minimum $5,000. Offer subject to change without notice. Additional restrictions may apply. Referred party cannot be within the same household.
Frequently Asked Questions
When you meet the monthly qualifications, the first $25,000 in your High Yield Checking account earns 4.00% APY. The portion of your balance above $25,000 earns a 0.10% interest rate, resulting in an overall APY ranging from 4.00% to 0.88%, depending on your balance.
Joining a credit union is easier than you think! There are several ways you're able to become a member, and you even qualify simply if you have a family member that does.
You're eligible if you simply live in the state of Texas. You can also qualify for membership if you live or work in Dallas County, Ellis County, Denton County, Collin County, Greyson County or Tarrant County; live or work within a 10 mile radius of the Coppell(Opens in a new Window), Grand Prairie(Opens in a new Window), or Highland Village(Opens in a new Window) branches; employed by or retired from a company served(Opens in a new Window) by Neighborhood CU.
You don't give up anything when you switch from a big bank, either. We offer several online & mobile services(Opens in a new Window)(Opens in a new Window) and convenience services(Opens in a new Window)(Opens in a new Window), including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. Not only are we a fully digital credit union, but we have multiple locations in the DFW Metroplex(Opens in a new Window)(Opens in a new Window).
Anyone who lives in the state of Texas is eligible to open an account at Neighborhood Credit Union. You can:
- visit our online portal to open a checking or savings account
- apply for a loan online
- make an appointment to visit one of our branches,
- and by phone.
Complete the following requirements each Qualification Cycle† to qualify for rewards for your High Yield or Cash Back checking account:
- Fifteen (15) individual or combined debit or credit card transactions of $5.00 or more post or settle
- AND ACH direct deposits that total $500 post and settle
- AND go paperless! Sign up to receive eStatements and decline paper statements
Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 96 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.
We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.
As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.
At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.
