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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270
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Membership Savings

Achieve your savings goals.


Membership Savings Account Features

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Earn 0.10% APY1

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24/7 Online Banking

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$25 Opening Deposit

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Perfect for Teens

How it Works

Earn 0.10% APY1 on a balance of $100 or more. Access your account at anytime to deposit funds or transfer to other accounts with Online Banking or the MyNCU Mobile App.
  • Make unlimited deposits
  • Up to three (3) withdrawals each statement cycle free of charge²
  • A maintenance fee is incurred only if:
    • the Membership Savings is your sole Neighborhood CU account and
    • your balance drops below $500.

Minimum Opening Deposit


Why Choose a Membership Savings Account

A Membership Savings is an account for the purpose of establishing your membership share into the credit union if you are between the ages of 13 and 17 or choose to decline a Prize Savings account. If you are looking for a secondary savings account, please see our Special Savings account.

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All Neighborhood Credit Union savings accounts feature:

Teach Good Savings Habits Now

Start teaching your teen the good savings habits needed to be financially healthy with the Membership Savings account. With Membership Savings, your teen can begin their financial journey and become a member of the credit union or graduate your 12 year old from a Kid's Savings account!

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.

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.

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. 

Want to compare savings accounts side by side?

Click the "Compare Accounts" button to explore in-depth.
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4.25% APY* 17-Month CD

An online-only CD offer that allows additional deposits.

Frequently Asked Questions

Interest on the Regular Savings account is compounded monthly.
Yes, the Regular Savings account can be used as collateral on a loan.
Members are subject to a monthly service charge if the Membership Savings is your only Neighborhood CU account and your balance drops below $500. Please see the Rates & Fees page.
Members are not allowed to have two Share savings accounts, so you can have only one or the other. But if you are looking to open up secondary savings accounts for budgeting purposes or other savings goals, please check out our Special Savings account page.

1APY = Annual Percentage Yield. Fixed interest rate at 0.10% on a balance of $100 or more. Rate effective March 1, 2023 and is subject to change after account opening. $25 minimum deposit required to open account. If minimum balance drops below $100, the annual percentage rate earned will be 0.00%. Account subject to a Minimum Relationship Fee if Membership Savings is the member's sole account and the balance drops below $500.
2More than 3 withdrawals per month will incur a fee. Please see Rates & Fees page for details.