High Yield Savings Account
Earn more with an impressive 1.00% annual percentage yield on $10,000 or more.
Account Features
Impressive 1.00% APY1
No Maintenance Fees
24/7 Online Banking
$10,000 Opening Deposit
How it Works
Earn an impressive 1.00% 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.
1APY = Annual Percentage Yield. Fixed interest rate at 1.00%. Rate effective June 1, 2020 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.
All Neighborhood Credit Union savings accounts feature:
Want to compare savings accounts side by side?
Click the "Compare Accounts" button to explore in-depth.
Compare Accounts
Close
| 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
|
$10,000 | 1.00% on $10,000 or more | None |
| Money Market |
Low minimum opening deposit, tiered interest rate, access to funds with 6 withdrawals per month
|
$1,000 |
$1,000-$9,999.99: 0.10%
$10,000 & up: 0.10%
|
$10 per month if minimum balance of $1,000 is not maintained |
| 60 Month Certificate of Deposit |
Low risk, interest rate compounded daily
|
$2,500 | 1.50% | Interest penalty may apply for early withdrawal |
| Christmas Club |
Withdrawals not allowed until funds are transferred into Prize Savings in early November
|
$100 | 0.10% | Early closure fee |
| Prize Savings |
Earn cash and prizes during weekly, monthly, and an annual grand prize drawing
|
$25 | 0.10% | $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
|
$100 | 0.10% | None |
| Dedicated Savings |
Use to separate your funds for special purposes. Login to Online Banking to open online
|
$25 | 0.10% | None |
| Kids Savings |
For kids ages 0 through 12
|
$25 | 0.10% | None |
*APY = Annual Percentage Yield
0.80% APY* 17-Month CD
An online-only CD offer that allows additional deposits.
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.
1APY = Annual Percentage Yield. Fixed interest rate at 1.00%. Rate effective June 1, 2020 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.