We will be closed Monday, February 19th in observance of Presidents’ Day. You can access your account via Online Banking or the MyNCU Mobile App.
Neighborhood Credit Union

Rates & Fees


Loan Rates


Rates Effective: January 1, 2018. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.

Auto Loans
Term Rate
60 months or less as low as 2.85% APR
72 months as low as 3.95% APR
84 months as low as 4.95% APR
Other Vehicle Loans (RV, Boat, Motorcycle)
Term Rate
60 months or less as low as 3.70% APR
72 months as low as 4.80% APR
84 months as low as 5.80% APR
>84 months as low as 6.50% APR
Home Improvement & Home Equity Loans
Term Rate
60 months or less as low as 4.35% APR
120 months as low as 4.40% APR
180 months as low as 4.50% APR
>180 months as low as 4.60% APR
Unsecured Line of Credit
Term Rate
36 months or less as low as 8.95% APR
37-60 months as low as 9.75% APR
Unsecured Signature Loans
Term Rate
36 months or less as low as 8.95% APR
37-60 months as low as 9.75% APR
Shared Secured Loans
Item Rate
Shares Rate plus 3.00%
CD CD Rate plus 3.00%
Money Market Rate plus 3.00%
Credit Card
Item Rate
Visa Personal Platinum 3.99% intro APR*
*3.99% introductory APR for 6 months. After 6 month introductory period interest rate will increase to 9.25%-18.00% APR based on creditworthiness.


Checking Account Rates


Rates Effective: January 18, 2018. All rates quoted are Annual Percentage Yield (APY). Rates subject to change.

Checking Accounts
Product Rate APY Minimum
Initial Deposit
Kasasa Cash* (Up to $50,000) 2.47% 2.50% $100
Kasasa Cash* (Above to $50,000) 0.20% 2.50% – 0.97% $100
*Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle, balances up to $50,000 receive APY of 2.50%; and balances over $50,000 earn 0.20% dividends on portion of balance over $50,000, resulting in 2.50% to 0.97%. APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM transactions or transactions under $5.00 do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per household.


Savings Account Rates


Rates Effective: January 18, 2018. All rates quoted are Annual Percentage Yield (APY). Rates subject to change.

Savings Accounts
Product Rate APY Minimum
Initial Deposit
Minimum Balance
to Earn Dividend
Prize Savings 0.15% 0.15% $25 $100
Regular Shares 0.15% 0.15% $25 $100
Other Savings 0.15% 0.15% $25 $100
Christmas Club Savings 0.20% 0.20% $25 $100
Looney Tunes Savings 0.15% 0.15% $25 $100
Individual Retirement Savings 0.15% 0.15% $100 $100
Certificates of Deposit (CD)
Term Rate APY Minimum Initial Deposit
91 Days 0.50% 0.50% $2,500
6 Months 1.00% 1.00% $2,500
12 Months 1.49% 1.50% $2,500
18 Months 1.49% 1.50% $2,500
30 Months 1.83% 1.85% $2,500
36 Months 1.98% 2.00% $2,500
48 Months 2.23% 2.25% $2,500
60 Months 2.47% 2.50% $2,500
12 Month Flex* .65% .65% $500
17 Month Online Savings** 1.98% 2.00% $1,500
An interest penalty is required for early withdrawal. *Additional deposits allowed on 12 month FlexPlus. **Additional deposits allowed on Online Savings CD. Online certificate products must be opened online and are eligible to individuals who are 18 years of age or older.
Traditional & Roth IRA Certificates
Term Rate APY Minimum Initial Deposit
12 Months 1.49% 1.50% $2,500
18 Months 1.49% 1.50% $2,500
30 Months 1.83% 1.85% $2,500
36 Months 1.98% 2.00% $2,500
48 Months 2.23% 2.25% $2,500
60 Months 2.47% 2.50% $2,500
Minimum $25 additional deposit allowed on all IRA Certificates. An interest penalty is required for early withdrawal.
Money Market
Amount Rate APY Minimum Initial Deposit
$1,000 – $9,999.99 1.49% 1.50% $2,500
$10,000 and over 1.49% 1.50% $2,500


Account Fees


Rates Effective: February 12, 2018.

Checking Accounts
Event Fee
Courtesy Pay ATM* $33 per event
VISA Debit Card Insufficient Funds* $33 per event
Courtesy Pay ACH / Check $33 per event
Returned Check / ACH Insufficient Funds $33 per event
Stop Pay $33 per event
Fresh Start Checking Account $20 per month
Choice Checking Account $10.50 per month
*You will not be charged this fee if your ending available account balance is overdrawn by $5.00 or less.
Savings Account Fees
Event Fee
Regular Share, Looney Tunes, and Other Share Account Excess Withdrawals $7 per withdrawal
Includes cash, check, and transfer withdrawals after three (3) withdrawals per month.
Share Account Overdraft $5 per overdraft
Savings to Checking or Checking to Checking transfer.
Money Market Account $10 per month
If minimum balance is not maintained.
Money Market Excess Withdrawals $7 per month
After six withdrawals or transfer transactions.
Minimum Relationship Fee $5 per month
If minimum balance is not maintained and no other loan or deposit relationship exists.
Loan Fees
Item Fee
Collection Fee – Pay By Phone $15 per item
Using checks or debit cards.
Payment Extension – Online or Mobile Banking Request $35 per item
Payment Extension – Phone or Branch Request $50 per item


Service Fees


Rates Effective: February 12, 2018. Applicable to all accounts.

Convenience Service Fees
Item Fee
ATM Withdrawal / Inquiry $1.95 per transaction
Non-Neighborhood Credit Union ATM
Replacement Debit Card $8 per replacement
Debit Card Charge Back $35 per item
Photocopy of Debit sales Slip $10 per copy
Online Service Fees
Item Fee
Online Bill Payment $2.95 per month
Waived the first three months of new enrollment and then when one or more bills are paid during the month.
PopMoney – Send Money Express Delivery $0.95
PopMoney – Request Money $1.00
PopMoney – Stop Payment $33
Safe Deposit Box Fees
Size Annual Rental Fee
3 x 5 $35
3 x 10 $50
5 x 10 $75
10 x 10 $115
Service Fee
Change Lock / Drilling Box $35
Key Deposit $15 (refundable)
Credit Union Membership
Membership Share $25 par value
Miscellaneous Fees
Item Fee
Account Reconciling (Research Fee) $25 per hour
Check Cashing* $7 per check
Deposited Check Held for Collections (Domestic) $15 per item
Electronic Payment Via Phone or In Person $15 per item
Electronic Payment Via Website ACH or Debit Card $10 per item
Foreign Check Collection $25 per item
Garnishment $75 per item
Official Check (Less than $1,000) $7 per check
Paper Statement Fee $1.75 per mailing
Returned Deposit $10 per item
Statement Copy $5 per copy
Tax Levy Fee $75 per tax levy
Verification of Deposit $15
Wire Transfer – Domestic (Outgoing) $25 per transfer
Wire Transfer – International (Outgoing) $45 per transfer
Wire Transfer to Mexico $5 per transfer
The 1% check cashing fee will be waived for Neighborhood Credit Union members with a checking account or compensating funds. Check cashing fee for 3rd party checks will not be waived for members without a checking account.

View the Truth-In-Savings Disclosure

View the CD Truth-In-Savings Disclosure


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.