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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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Rates & Fees

 

Rates Effective: July 1, 2019. All rates quoted are Annual Percentage Yield (APY). Rates subject to change.

 

Product Rate APY Minimum Initial Deposit
Kasasa® Cash* (Up to $50,000) 2.47% 2.50% $100
Kasasa® Cash* (Above $50,000) 0.20% 2.50%-0.97% $100
 
 
 
Product Details Minimum Initial Deposit
Kasasa® Cash Back Cash Back Rewards $25
Choice™ Identity Protection $25
Fresh Start Second Chance Checking $25

 

Learn more about checking accounts

*Rates may change after account is opened. If qualifications are met each monthly qualification cycle, balances up to $50,000 receive APY of 2.50%; and balances over $50,000 earn 0.20% dividends on portion of balance over $50,000, resulting in 2.50% to 0.97% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM transactions or transactions under $5.00 do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is the period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per household.

Rates Effective: July 1, 2019.  All rates quoted are Annual Percentage Yield (APY). Rates subject to change.

 

Product Rate APY Minimum Initial Deposit Minimum Balance to Earn Dividend
Prize Savings 0.15% 0.15% $25 $100
High Yield Savings 1.98% 2.00% $10,000 $10,000
Regular Shares 0.15% 0.15% $25 $100
Other Savings 0.15% 0.15% $25 $100
Christmas Club 0.20% 0.20% $25 $100
Looney Tunes 0.15% 0.15% $25 $100
IRA 0.15% 0.15% $100 $100

 

Learn more about savings accounts

Rates Effective: August 21, 2019. All rates quoted are Annual Percentage Yield (APY). Rates subject to change.

 

Certificates of Deposit

Term Rate APY Minimum Initial Deposit
91 Days 1.00% 1.00% $2,500
6 Months 1.24% 1.25% $2,500
12 Months 1.74% 1.75% $2,500
18 Months 2.13% 2.15% $2,500
30 Months 2.27% 2.30% $2,500
36 Months 2.27% 2.30% $2,500
48 Months 2.27% 2.30% $2,500
60 Months 2.27% 2.30% $2,500
12 Month Flex* 1.24% 1.25% $500
17 Month Online Savings** 2.23% 2.25% $1,500
 

Traditional & Roth IRA Certificates

Term Rate APY Minimum Initial Deposit 
12 Months 1.74% 1.75% $2,500
18 Months 2.13% 2.15% $2,500
30 Months 2.27% 2.30% $2,500
36 Months 2.27% 2.30% $2,500
48 Months 2.27% 2.30% $2,500
60 Months 2.27% 2.30% $2,500

 

Learn more about certificates of deposit

An interest penalty is required for early withdrawal. *Additional deposits allowed on 12 month FlexPlus. **Additional deposits allowed on Online Savings CD. Online certificate products must be opened online and are eligible to individuals who are 18 years of age or older.

Rates Effective: January 7, 2019. All rates quoted are Annual Percentage Yield (APY). Rates subject to change. Money market accounts with a balance below $1,000 will not earn dividends.

 

Money Market Rate APY Minimum Initial Deposit 
$1,000 - $9,999.99 0.15% 0.15% $1,000
$10,000 and over 0.20% 0.20% $1,000

 

learn more about money market accounts

Rates Effective: February 1, 2019. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.

 

Term Rate
Auto
60 months or Less As low as 3.75% APR
72 months As low as 4.50% APR
Other Vehicle Loans (RV, Boat, Motorcycle)
60 months or less As low as 4.25% APR
72 months As low as 5.00% APR

 

Learn more about Auto Loans

Rates Effective: February 1, 2019. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.

 

Term or Product Rate
Unsecured Line of Credit
36 months or Less As low as 8.95% APR
37 – 60 months As low as 9.75% APR
Unsecured signature loans
36 months or less As low as 8.95% APR
37-60 months As low as 9.75% APR
Shared secured loans
Shares Rate plus 3.00% APR
Certificate of Deposit (CD) CD Rate plus 3.00% APR
Money Market Rate plus 3.00% APR
Credit Card
Visa Personal Platinum 3.99% intro APR*

 

Learn more about personal loans and credit cards.

*3.99% introductory APR for 6 months. After 6 month introductory period interest rate will increase to 9.25%-18.00% APR based on creditworthiness.

For current Mortgage rates including purchases, Home Equity and Home Improvement, please email the Mortgage Team or contact us at 214.748.9393. Do not submit any confidential information using this form.

Fees Effective: February 12, 2018.

 

Event Fee
Checking Accounts
Courtesy Pay ATM and VISA Debit Card* $33 per item
Courtesy Pay ACH / Check $33 per item
Paid Non-Sufficient Funds ATM or Debit Card $33 per item
Returned Check / ACH Insufficient Funds $33 per item
Stop Pay $33 per item
Fresh Start Checking Account $20 per month
Choice Checking Account $10.50 per month
Savings Accounts
Regular Share, Looney Tunes, and Other Share Account Excess Withdrawals** $7 per withdrawal
Share Account Overdraft*** $5 per overdraft
Money Market Account† $10 per month
Money Market Excess Withdrawals‡ $7 per withdrawal
Minimum Relationship Fee◊ $5 per month
Loan Fees
Collection Fee – Pay By Phone Using Checks or Debit Cards $15 per item
Payment Extension – Online or Mobile Banking Request $35 per item
Payment Extension – Phone or Branch Request $50 per item
*Fee will not be charged if your ending available account balance is overdrawn by $5.00 or less. **Includes cash, check, and transfer withdrawals after three (3) withdrawals per month. ***Savings to Checking or Checking to Checking transfer. †If minimum balance is not maintained. ‡After six (6) withdrawals or transfer transactions.
◊If minimum balance is not maintained and no other loan or deposit relationship exists.

Fees Effective: February 12, 2018.

 

Item Fee
Convenience Services
ATM Withdrawal / Inquiry* $1.95 per transaction
Replacement Debit Card $8 per replacement
Debit Card Charge Back $35 per item
Photocopy of Debit Sales Slip $10 per copy
Online Service Fees
Online Bill Payment** $2.95 per month
PopMoney – Send Money Express Delivery $0.95
PopMoney – Request Money $1.00
PopMoney – Stop Payment $33
Safe Deposit Box Fees
Size Annual Rental Fee
3 x 5 $35
3 x 10 $50
5 x 10 $75
10 x 10 $115
Service Fee
Change Lock / Drilling Box $200
Key Deposit $15 (refundable)
Credit Union Membership
Membership Share $25 par value
*Non-Neighborhood Credit Union ATM **Waived the first three months of new enrollment and then when one or more bills are paid during the month. ***Fee will be waived for Neighborhood Credit Union members with a checking account or compensating funds. Check cashing fee for 3rd party checks will not be waived for members without a checking account.


Item Fee
Account Reconciling (Research Fee) $25 per hour
Check Cashing*** 1% of cash received if more than $500
Deposited Check Held for Collections (Domestic) $15 per item
Electronic Payment Via Phone or In Person $15 per item
Electronic Payment Via Website ACH or Debit Card $10 per item
Foreign Check Collection $25 per item
Garnishment $75 per item
Official Check (Less than $1,000) $7 per check
Paper Statement Fee $1.75 per mailing
Returned Deposit $10 per item
Statement Copy $5 per copy
Tax Levy Fee $75 per tax levy
Verification of Deposit $15
Wire Transfer – Domestic (Outgoing) $25 per transfer
Wire Transfer – Domestic (Outgoing) $45 per transfer
*Non-Neighborhood Credit Union ATM **Waived the first three months of new enrollment and then when one or more bills are paid during the month. ***Fee will be waived for Neighborhood Credit Union members with a checking account or compensating funds. Check cashing fee for 3rd party checks will not be waived for members without a checking account.
 
 
 
 
 
 
 
 
*APY = Annual Percentage Yield **APR = Annual Percentage Rate.
 

1) Rates are subject to change at any time. Minimum $10,000 deposit required to open account. Minimum balance of $10,000 required to earn 2.00% APY, balances under $10,000 earn 0.00% APY. Three (3) withdrawals allowed per month, each withdrawal after will incur a fee. Please see fee schedule for details.

2) An interest penalty is required for early withdrawal. Rates are subject to change without notice. Fees may reduce earnings. Check deposits are subject to Neighborhood Credit Union’s Funds Availability Policy.

3) 3.99% Introductory APR for 6 months from issuance of the card. After the introductory period, APR will be adjusted based on creditworthiness. Rates are variable and subject to change. APR will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00% Introductory APR only applicable to new credit card applications.

4) Auto Loan required disclosures: Rates subject to change. With approved credit. Interest begins accruing the day the loan is funded. Rates effective as of February 1, 2019.

The fees appearing in this schedule are accurate and effective for deposit accounts as of the Effective Date indicated. Rates are subject to change without notice and the rates on accounts other than a certificate of deposit (CD) may vary after the account is opened. Fees may reduce earnings. Check deposits are subject to Neighborhood Credit Union’s Funds Availability Policy. If you have any questions or require current rate and fee information on your accounts, please call Neighborhood Credit Union at 214-748-9393 or 800-321-3728. View the Truth-in-Savings Disclosure.