High Yield Savings Account
Impressive 0.40% APY1
No Fee with Minimum Balance²
24/7 Online Banking & Mobile App
$10,000 Opening Deposit
How it Works
Earn an impressive 0.40% APY1 on a balance of $10,000 or more. Access your account at anytime to deposit funds or transfer to other accounts with Online Banking or the MyNCU Mobile App.
If your balance drops below $10,000 you will incur a maintenance fee and the interest will drop to 0.00% APY.²
Minimum Opening Deposit
You can make three (3) withdrawals each statement cycle for free. Any excess withdrawal will incur a fee.³
1APY = Annual Percentage Yield. Fixed interest rate at 0.40%. Rate effective May 1, 2021 and is subject to change after account opening. $10,000 minimum deposit required to open account.
²If minimum balance drops below $10,000.00, the annual percentage rate earned will be 0.00% and will incur a maintenance fee. Please see Rates & Fees page for details.
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Frequently Asked Questions
For the High Yield Savings Account, interest is compounded monthly.
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.
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.