Neighborhood Credit Union

Neighborhood Credit Union Rates & Fees

Neighborhood Credit Union Loan Rates

RATES EFFECTIVE: June 26, 2017

All rates quoted are Annual Percentage Rates (APR). Rates subject to change.



Auto Loans
60 months or less as low as 2.65% APR
72 months as low as 3.15% APR
84 months as low as 4.15% APR
Other Vehicle Loans (RV, Boat)
Terms vary as low as 3.50% APR
Home Improvement & Home Equity Loans
Terms vary as low as 4.35% APR
Line of Credit
Unsecured as low as 9.25% APR
Signature Loans
Unsecured as low as 9.25% APR
Share Secured Loans
Share Secured RATE + 3.00%
Money Market Secured RATE + 3.00%
CD Secured CD RATE + 3.00%
Credit Cards
Visa Personal Platinum 3.99% intro APR**

**3.99% introductory APR for 6 months. After 6 month introductory period interest rate will increase to 8.99%-17.99% APR based on creditworthiness.


Current Neighborhood Credit Union Savings Rates

RATES EFFECTIVE: June 26, 2017

All rates quoted are Annual Percentage Yield (APY). Rates subject to change.

Certificates of Deposit

Terms Rates APY Initial Deposit
91 day 0.25% 0.25% $2,500
6 months 0.60% 0.60% $2,500
12 months 0.85% 0.85% $2,500
18 months 1.00% 1.00% $2,500
30 months 1.24% 1.25% $2,500
48 months 1.69% 1.70% $2,500
60 months 2.13% 2.15% $2,500
12 month FlexPlus* 0.50% 0.50% $500
17 month Online Savings CD* 1.59% 1.60% $1,500

An interest penalty is required for early withdrawal. *Additional deposits allowed on 12 month FlexPlus and Online Savings CD only.

Money Market Accounts

Amount Rate APY Initial Deposit
$1,000-$9,999 0.15% 0.15% $1,000
$10,000 & over 0.20% 0.20% $10,000

Traditional & Roth IRA Certificates

Terms Rate APY Initial Deposit
12 months 0.85% 0.85% $2,500
18 months 1.00% 1.00% $2,500
30 months 1.24% 1.25% $2,500
48 months 1.69% 1.70% $2,500
60 months 2.13% 2.15% $2,500

Minimum $25 additional deposit allowed on all IRA Certificates. An interest penalty is required for early withdrawal.

Coverdell Education Savings 12 Month Certificate

Rate APY Initial Deposit
0.85% 0.85% $500

An interest penalty is required for early withdrawal.

Share Savings and Individual Retirement Savings Accounts

Type Rate APY
$100 and over 0.15% 0.15%

Minimum initial deposit for Regular Shares $25
Minimum initial deposit for Individual Retirement Savings $100
Minimum balance to earn dividends $100

Savings & Checking

Product Rate APY Minimum initial deposit Minimum balance to earn dividend
Christmas Savings 0.20% 0.20% $25 $100
Looney Tunes Savings Club 0.15% 0.15% $25 $100
Prize Savings Account 0.15% 0.15% $25 $100
Other Savings 0.15% 0.15% $25 $100
Regular Shares 0.15% 0.15% $25 $100
Kasasa Cash* (Up to $50,000) 2.47% 2.50% $100
Kasasa Cash* (Above $50,000) 0.20% 2.50%-0.97% $100

*Kasasa Cash: APY=Annual Percentage Yield. APYs accurate as of 03/01/2017. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $50,000 receive APY of 2.50%; and (3) 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. Courtesy Pay is available to qualified members after 60 days and overdraft fees apply.

FEES EFFECTIVE: February 13, 2017

Savings Account Fees
Regular Share Account, Looney Tunes and Other Share Account Excess Withdrawals
(Includes cash, check and transfer withdrawals after three [3] withdrawals per month)
$5 per withdrawal
Share Account Overdraft
(Savings to Checking or Checking to Checking transfer)
$5 per overdraft
Money Market Account
(If minimum balance is not maintained)
$10 per month
Money Market Excess Withdrawals
(After six withdrawals or transfer transactions)
$5 per withdrawal
Minimum Relationship Fee
(If minimum balance is not maintained and no other loan/deposit relationship exists)
$5 per month

Checking Account Fees
Courtesy Pay ATM or VISA Check Debit Card Item
(We will not charge this fee if your ending available account balance is overdrawn by $5 or less)
$32 per item
Returned Check or ACH/Insufficient Funds $33 per item
Stop Pay
(Member and Official checks, ACH Payment)
$33 per item
Fresh Start Checking $20 per month
Choice Checking $10.50 per month
Courtesy Pay ACH or Check Item $33 per item

Other Service Fees (Applicable to all Accounts)
Paper Statement Fee $1.75 per mailing
Account Reconciling (Research Fee) $25 per hour
Deposited Check Held for Collection
$15 per item
Statement Copy $5 per copy
Returned Deposit $10 per item
Domestic Wire Transfer (Outgoing) $25 per transfer
International Wire Transfer (Outgoing) $45 per transfer
Wire Transfers to Mexico $5 per transaction
Electronic Payment Via Website (ACH Credit or Debit Card) $10 per item
Electronic Payment (Via Phone or in Person) $15 per item
Foreign Check Collection $25 per item
Official Check
(If amount is less than $1,000)
$7 per check
Check Cashing* 1% of cash received if more than $500
Garnishment $75 per garnishment
Tax Levy Fee $75 per tax levy
Verification of Deposit $15

*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.

Convenience Service Fees
ATM Withdrawal/Inquiry
(Non-Neighborhood Credit Union ATM)
$1.95 per transaction
Replacement Debit Card $8 replacement
Debit Card Chargeback Fee $35 per item
Photocopy of Debit Sales Slip $10 per copy

Online Service Fees
Online Bill Payment(Waived the first three months of new enrollment and then when one or more bills are paid during the month) $2.95 per month
Popmoney/Send Money Express Delivery $0.95
Popmoney/Request Money $1.00
Popmoney Stop Payment $33

Loan Fees
Collection Fee – Pay By Phone
(Using checks or debit cards)
$15 per item
Payment Extensions Fee $35 per item

Safe Deposit Box Fees
Size Annual Rental Fee
3 X 5 $35
3 X 10 $50
5 X 10 $75
10 X 10 $115
Change lock/Drilling Box $200
Key deposit $15 (refundable)

Credit Union Membership
Membership Share $25 par value

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.