Membership Savings Account Features
Earn 0.10% APY1
24/7 Online Banking
$25 Opening Deposit
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
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!
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.
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.
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.
View the Truth-In-Savings Disclosure.