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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Rates & Fees

Rates Effective: August 1, 2021. All rates quoted are Annual Percentage Yield (APY). Rates subject to change.

 

Product Rate APY Minimum Initial Deposit
Kasasa® Cash* (Up to $50,000) 1.04% 1.05% $100
Kasasa® Cash* (Above $50,000) 0.10% 1.05%-0.48% $100



Product Details Monthly Fee Minimum Initial Deposit
Kasasa® Cash Back Cash Back Rewards Free $25
Priority Overdraft Fee Forgiveness¹ $11.99 $25
Fresh Start Second Chance Checking $20 $25

 

Learn more about checking accounts

*Kasasa Cash qualifications that must be met to obtain the 1.05% APY and ATM Withdrawal Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have at least one (1) automatic ACH payment or direct deposit post and settle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle (Qualification cycle = one day before beginning of statement cycle through one day before end of statement cycle. Statement cycle = first day of month through last day of month.) If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed up to an aggregate of $20 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 1.05%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 1.05% to 0.48% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Fees may reduce earnings (see fee schedule). Limit one account per household.

¹Overdraft Fee Forgiveness applies only to fees charged for overdraft and Courtesy Pay and is granted upon request on an annual basis. Any amounts for Relationship Fee Refunds received in 2020 will count toward the annual limit of $40.

Rates Effective: May 1, 2021.  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 0.10% 0.10% $25 $100
High Yield Savings 0.40% 0.40% $10,000 $10,000
Membership Savings 0.10% 0.10% $25 $100
Special Savings 0.10% 0.10% $25 $100
Christmas Club 0.10% 0.10% $25 $100
Kid's Savings 0.10% 0.10% $25 $100
IRA 0.10% 0.10% $100 $100

 

Learn more about savings accounts

Rates Effective: June 24, 2021. All rates quoted are Annual Percentage Yield (APY). Rates subject to change.


Certificates of Deposit

Term Rate APY Minimum Initial Deposit
91 Days 0.20% 0.20% $2,500
6 Months 0.40% 0.40% $2,500
12 Months 0.60% 0.60% $2,500
18 Months 0.70% 0.70% $2,500
30 Months 0.70% 0.70% $2,500
36 Months 0.70% 0.70% $2,500
48 Months 0.80% 0.80% $2,500
60 Months 1.00% 1.00% $2,500
12 Month FlexPlus* 0.40% 0.40% $500
17 Month Online Savings** 0.80% 0.80% $1,500
25 Month Inflate My Rate¹ 1.00% 1.00% $2,500

Traditional & Roth IRA Certificates

Term Rate APY Minimum Initial Deposit 
12 Months 0.60% 0.60% $2,500
18 Months 0.70% 0.70% $2,500
30 Months 0.70% 0.70% $2,500
36 Months 0.70% 0.70% $2,500
48 Months 0.80% 0.80% $2,500
60 Months 1.00% 1.00% $2,500

 

Learn more about certificates of deposit



An interest penalty is required for early withdrawal. ¹Must be 18 years of age or older to open Certificate of Deposit. Interest is compounded daily. $2,500 minimum deposit to open. Only one rate increase allowed during 25 month term. Rate increase is not automatic and is dependent on member request by secure communication or verifiable documents. Rate increase will have an effective date that begins on date of confirmed request and will be in effect from that date till term end. Rate increased interest rate is dependent on Neighborhood CU's 18 month CD. If our 18 month CD rate increases during your Inflate My Rate CD's 25 month term, request a rate increase and we'll increase your Inflate My Rate CD's interest rate to match the 18 month CD rate. The new rate is locked in until end of the term. At the end of the 25 month term, Inflate My Rate CD converts and renews as a standard Neighborhood CU 18 month CD. Cannot be combined with any other rate offers or rate increase promotions. Not offered on trusts, business accounts or Individual Retirement Accounts (IRAs). 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.

Rates Effective: June 1, 2020. 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 to $9,999.99 0.10% 0.10% $1,000
$10,000 and over  0.10% 0.10% $1,000


learn more about money market accounts

Rates Effective: March 22, 2021. 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 1.99% APR
72 months As low as 2.65% APR
Other Vehicle Loans (RV, Boat, Motorcycle)
60 months or less As low as 2.49% APR
72 months As low as 3.15% APR


Learn more about Auto Loans

Rates Effective: August 13, 2021. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit. Learn more about personal loans and credit cards.

Term or Product Rate
Unsecured Line of Credit
36 months or Less As low as 6.99% APR
37 – 60 months As low as 7.99% APR
Unsecured Personal Loans
36 months or less As low as 6.99% APR
37-60 months As low as 7.99% 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
Overdraft Loan Fixed rate of 18% APR
Quick Cash Loan Fixed rate of 28% APR
Credit Card
Visa Personal Platinum 0.00% intro APR*
Cash Rewards Up to 18.00% APR**

Projects Plus Home Loan Rates

Rates Effective: April 1, 2021. All rates quoted are Annual Percentage Rates (APR). Learn More 

Term
Rate & Loan Amount

$10,000 - $19,999 $20,000 - $39,999 $40,000 - $60,000
24 - 36 months 5.25% APR 4.25% APR 3.25% APR
37 - 48 months 6.25% APR 5.25% APR 4.25% APR
49 - 60 months 7.25% APR 6.25% APR 5.25% APR
61 - 72 months 8.25% APR 7.25% APR 6.25% APR
73 - 84 months n/a 8.25% APR 7.25% APR
85 - 120 months n/a n/a 8.25% APR

* Must be 21 years or older to apply. Minimum credit line is $5,000. APR based on creditworthiness. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 2% of total new balance or $18.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. No balance transfer fees. Additional limitations, terms and conditions may apply. Equal Opportunity Lender.

**APR based on creditworthiness. Rates are subject to change. APR will vary and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 2% of total new balance or $18.00, whichever is greater. Cash advance fee is $10 or 2.00% of the amount of each cash advance, whichever is greater. No balance transfer fees. Must be 21 years or older to apply. Additional limitations, terms and conditions may apply.

Mortgage & Refinancing Rates

Click to learn more about Home Loans.
















Projects Plus Home Loan Rates

Rates Effective: April 1, 2021. All rates quoted are Annual Percentage Rates (APR). Learn More 

Term
Rate & Loan Amount

$10,000 - $19,999 $20,000 - $39,999 $40,000 - $60,000
24 - 36 months 5.25% APR 4.25% APR 3.25% APR
37 - 48 months 6.25% APR 5.25% APR 4.25% APR
49 - 60 months 7.25% APR 6.25% APR 5.25% APR
61 - 72 months 8.25% APR 7.25% APR 6.25% APR
73 - 84 months n/a 8.25% APR 7.25% APR
85 - 120 months n/a n/a 8.25% APR

Fees Effective: January 15, 2021.

Event Fee
Savings Accounts
Excess Withdrawals* $10 per withdrawal
Minimum Relationship Fee $5 per month
High Yield Savings** $10 per month
Money Market Accounts
Money Market Account $10 per month
Money Market Excess Withdrawals $10 per withdrawal

*Includes cash, check, and transfer withdrawals after three (3) free withdrawals per month.
◊If minimum balance is not maintained on a Prize Savings Account or Membership Savings Account and no other loan or deposit relationship exists.
**If minimum balance is not maintained. Minimum balance for High Yield Savings = $10,000.
†If minimum balance is not maintained. Minimum balance for Money Market accounts = $2,000.
‡After six (6) withdrawals or transfer transactions.

Fees Effective: January 15, 2021.

Event Fee
Share Account Overdraft
Savings to Checking or Checking to Checking transfer.
$5 per overdraft
Overdraft Transfer from Line of Credit
Transfer from Personal Line of Credit to Share Account.
$5 per item
Courtesy Pay ATM and VISA Debit Card* $34 per presentment
Courtesy Pay ACH / Check* $34 per presentment
Returned Check / ACH Insufficient Funds $34 per presentment
Stop Pay** $34 per presentment
Fresh Start Checking Account $20 per month
Priority Checking Account $11.99 per month

*Fee not charged if your end available balance is overdrawn by $5 or less.
**Member Checks, Official Checks, and ACH Payments

Fees Effective: January 15, 2021.

Item Fee
Paper Statement Fee $4.95 per mailing
Undeliverable Statement Fee $5 per item
Non-Member Check Cashing $5 per item
Account Reconciling/Research $25 per hour
Deposited Check Held for Collections (Domestic) $15 per presentment
Foreign Check Held for Collection $25 per presentment
Statement Copy $5 per copy
Returned Deposit $15 per presentment
Incoming Wire Transfer – Domestic & International  $10 per transfer
Outgoing Wire Transfer – Domestic $25 per transfer
Outgoing Wire Transfer – International $45 per transfer
Official Check (less than $5,000) $7 per check
Check Cashing* 1% of cash received
Garnishment $100 per item
Tax Levy Fee $100 per tax levy
Verification of Deposit $15

*If only savings account relationship, fee assessed if check more than $500 and savings does not have matching funds. Fee waived if savings account has at least matching funds or checking account relationship also exists.

Fees Effective: January 15, 2021.

Item Fee
ATM Withdrawal/Inquiry at Non-Neighborhood CU ATM $1.95 per transaction
Credit Card Fees
Cash Advance APR 18.00%
Cash Advance Fee 3.00%
International Transaction Fee 2.00%
Late Payment Fee $25.00
Platinum Card Return Payment Fee $27.00
Debit Card Fees
Replacement Debit Card $8 per replacement
Debit Card Charge Back $35 per presentment
Photocopy of Debit Sales Slip $10 per copy
 

Fees Effective: January 15, 2021.

Item Fee
Online Bill Payment* $4.95 per month
Zelle®/Stop Payment $34 per presentment

*Waived the first three months of new enrollment and then when one or more bills are paid during the month.

Fees Effective: January 15, 2021.

Item Fee
Collection Fee – Pay By Phone Using Checks or Debit Cards $15 per item
Employee Assisted Loan Payment
ACH, Debit Card, or Credit Card
$15 per presentment
Payment Extension – Online or Mobile Banking Request $35 per presentment
Payment Extension – Phone or Branch Request $50 per presentment
Returned Loan Payment Fee $34 per item

Fees Effective: January 15, 2021.

Item Fee
Size Annual Rental Fee
3 x 5 $45
3 x 10 $75
5 x 10 $100
10 x 10 $130
Service Fee
Change Lock / Drilling Box $200
Key Deposit $15 (refundable)

Fees Effective: January 15, 2021.

Item Fee
Membership Share $25 par value

*APY = Annual Percentage Yield **APR = Annual Percentage Rate. Download the current Rates & Fees Schedule and Business Accounts Fee Schedule.
 

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 0.40% APY, balances under $10,000 earn 0.00% APY. Three (3) withdrawals allowed per month, each withdrawal after will incur a fee. Minimum balance fee per month assessed if balance below $10,000. 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) 0.00% 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 March 22, 2021.

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 and our Notice Documents.