Earn More with High Yield Checking & Savings
High Yield Checking |
0.01% - 4.25% APY1 |
| A free, interest-earning checking account. Calculate Your Potential Rewards | |
| ATM withdrawal fee refunds.2 | |
| No minimum balance required. | |
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Upgrade your debit card to My Rewards Gold or Platinum.
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High Yield Savings |
3.00% APY† |
| Minimum Deposit: $10,000 |
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| 24/7 access to funds | |
| No maintenance fees when minimum balance is maintained |
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| Balances under $10,000 earn 0.00% APY† | |
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Open Now |
1High-Yield Checking qualifications that must be met to obtain the 4.25% APY 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 at least one (1) automatic ACH payment or direct deposit post and settle; 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. Rates may change after account is opened. 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.
2ATM Withdrawal Fees: If qualifications are met each monthly qualification cycle domestic ATM withdrawal 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.
†High Yield Savings: APY = Annual Percentage Yield. 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, balances under $10,000 earn 0.00% APY. Three (3) withdrawals allowed per month, each withdrawal after will incur a fee. Minimum balance fee assessed per month if balance below $10,000. Please see fee schedule for details. Please see the Rates & Fees page for details.
Open individually or combine these accounts for a better return in interest!
Get paid up to 2 days early.*
Depending on your employer, you can get your direct deposit up to 2 days earlier than payday with a Neighborhood Credit Union checking account.
*Neighborhood Credit Union may give early access to direct deposit funds from your employer, payments and credits into your account, or government deposits and payments depending on when the deposit or payment file is submitted to Neighborhood CU. Weekends or bank holidays may affect the posting date. As a result, the availability or timing of early direct deposit may vary from pay period to pay period. Fraud prevention restrictions may apply and delay early availability of funds. Early availability is not guaranteed. Additional restrictions may apply.
All Neighborhood Credit Union accounts feature:
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Set Up Direct Deposit
Neighborhood CU makes it easy to switch banks. Easily, quickly, and securely set up your direct deposit and automatic payments in one single step.
Surcharge-Free ATMs
The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
Courtesy Pay
Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.
Send Money with Zelle®
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.
Mobile Wallet
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
Earn Cash, Refer Friends
Whenever you refer family or friends who do not have a membership with us you'll receive $100.00* when they open a new member checking account.
Find out if you're eligible
Despite popular belief, becoming a member of a credit union is a lot easier than you might think. Click the "Eligibility" button to see all the ways you can be eligible.
Eligibility
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| Simply meet one of the below criteria OR be related to someone who does: | |
| Live or work in: |
Dallas County
Ellis County Denton County
Collin County
Tarrant County
City of Arlington |
| Live, work, worship, or attend school within a 10 mile radius of the branches in: | Coppell Grand Prairie Highland Village |
| Currently employed or retired from: | A Company Served by Neighborhood Credit Union Dallas United States Postal Service Arlington United States Postal Service |
| Become a member of the Neighborhood Credit Union Foundation, which is automatically done for you upon approval, and live in: | Texas |
| A member or potential member of the American Consumer Council and reside in one of the following counties: | Delta Denton Hunt Johnson Kaufman Parker Rockwall Tarrant Wise |
MyNCU Mobile App
Use our award-winning app to manage your accounts, deposit checks, make transfers, and more.
Calculate Your High Yield Checking Interest Rewards
What is your average checking account balance?
What funds from other accounts could you add to earn more money?
How many times a month do you use another bank's ATM?
Our calculator is for informational purposes only and does not intend to provide financial advice. All examples are hypothetical and assumes that qualifications are met for the High Yield Checking product to illustrate the benefits of the 4.25% annual percentage rate and ATM refunds. This calculator is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered by Neighborhood Credit Union, its affiliates or any other institution, nor does this calculator predict or guarantee the actual results of any investment product. You may wish to consult an appropriate outside advisor about your financial situation.
Estimated Annual Rewards
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Estimated Monthly Rewards
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Estimated ATM Fees Refunded
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This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational purposes only. Actual terms will vary. This calculator is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Neighborhood Credit Union product or service to your unique circumstances.
Who We Are
Formerly known as Dallas Postal Credit Union, Neighborhood Credit Union opened its doors to its first members in April 1930, just months after the U.S. stock market crashed. During the Great Depression, when Americans’ trust in financial institutions were at their lowest, Dallas Postal Credit Union won that trust and loyalty of its charter members. In 2001, we officially changed our name to Neighborhood Credit Union, a name that more accurately reflects the diverse base of members from all over the Dallas area.
Neighborhood Credit Union now serves the entire state of Texas with over 61,000 members and assets that top $1 billion. Our ongoing effort to offer members convenient services in their communities and mobile access wherever they go has made us a top-rated credit union in the Dallas-Fort Worth area.