High Yield Savings

Earn more with an impressive 1.80% annual percentage yield on $10,000 or more.

Account Features

Impressive 1.80% APY¹

No Maintenance Fees

24/7 Online Banking

$10,000 Opening Deposit

How it Works

Earn an impressive 1.80% APY¹ on a balance of $10,000 or more. If your balance drops below $10,000 you will not incur any maintenance fees and the interest will drop to 0.00% APY¹. Access your account at anytime to deposit funds or transfer to other accounts with Online Banking or the MyNCU Mobile App.

Minimum Opening Deposit

$10,000

Transaction Limits

You can make three (3) withdrawals each statement cycle for free. Any excess withdrawal will incur a fee².

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Compare Accounts

Account Type	Summary	Minimum Opening Deposit	APY*	Fees
High Yield Savings	24/7 access to funds, no maintenance fees, access to funds with 3 free withdrawals per month Learn More	$10,000	1.80% on $10,000 or more	None
Money Market	Low minimum opening deposit, tiered interest rate, access to funds with 6 withdrawals per month Learn More	$1,000	$1,000-$9,999.99: 0.15% $10,000 & up: 0.20%	$10 per month if minimum balance of $1,000 is not maintained
60 Month Certificate of Deposit	Low risk, interest rate compounded daily Learn More	$2,500	2.25%	Interest penalty may apply for early withdrawal
Christmas Club	Withdrawals not allowed until funds are transferred into Prize Savings in early November Learn More	$100	0.20%	Early closure fee
Prize Savings	Earn cash and prizes during weekly, monthly, and an annual grand prize drawing Learn More	$25	0.15%	$5 per month if minimum balance is not maintained and no other loan or deposit relationship exists.
Individual Retirement Savings	Save for retirement with a Traditional IRA or Roth IRA Learn More	$100	0.15%	None
Dedicated Savings	Use to separate your funds for special purposes. Login to Online Banking to open online Learn more	$25	0.15%	None
Kids Savings	For kids ages 0 through 12 Learn More	$25	0.15%	None

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Frequently Asked Questions

How will my interest be calculated?

For the High Yield Savings Account, interest is compounded monthly.

What is a tiered rate account?

Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.

What is the difference between Annual Percentage Yield and Interest Rate?

The Annual Percentage Yield reflects the interest rate and the effect of the frequency of interest compounding (for example, daily) during a 365-day period. The Interest Rate is the annualized rate applied to the principal balance of the account each day in order to determine the amount of interest that has accrued on that day’s principal balance.

¹APY = Annual Percentage Yield. Fixed interest rate at 1.78%. Rate effective October 1, 2019 and is subject to change after account opening. $10,000 minimum deposit required to open account. If minimum balance drops below $10,000, the annual percentage rate earned will be 0.00%.

²More than 3 withdrawals per month will incur a fee. Please see Rates & Fees page for details.

View the Truth-In-Savings Disclosure.