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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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Max Savings High Interest Account

Become a Member and Earn an Impressive 5.00% APY

How it Works

Become a new member at Neighborhood Credit Union and earn an impressive 5.00% APY¹ with our Max Savings High Interest Account. Access your account at any time to deposit funds or transfer to other accounts with Online Banking or the MyNCU Mobile App. Get your account started stress-free with no minimum opening deposit and enjoy no maximum balance cap on interest earnings! 

Open Account     

Maximize Your Tax Refund: Opt for Direct Deposit into a Max Savings High Interest Account

By choosing direct deposit for your tax refund, you're not just getting your refund faster - you're ensuring your money works harder for you. Our Max Savings Account doesn't just offer safety and security for your tax refund but offers 10x the national average Annual Percentage Yield (APY)³. Also enjoy the convenience of quicker access to your funds after filing, seamlessly integrating into your financial planning.

Account Details: 

Enjoy 5.00% APY 
Minimum Opening Balance: No minimum balance to open.
Minimum Balance to Earn APY: $100.00 : No maximum balance limit on interest. 
Good to Know: Must be a new member of Neighborhood Credit Union and account must be opened online. Make unlimited transfers and three (3) withdrawals each statement cycle.² Read more FAQs here
Under 18? Start your application process here
10x higher than the average APY.³

1Max Savings High Interest: APY = Annual Percentage Yield. Must become a member of Neighborhood CU. Minors must have a joint account owner who are 18 or older to open the account. Rate is accurate as of 07/24/2023. 5.00% APY with a fixed rate of 4.88%. Rate subject to change. Minimum balance to earn stated APY is $100. Account has no monthly service fees. Three (3) withdrawals allowed per month, each withdrawal thereafter will incur a fee. Offer valid for new members only, existing members are not eligible. All Max Savings accounts must be opened digitally at All transactions must be processed online or electronically only and not in the branch. Unlimited deposits are allowed via ACH or via online banking using online transfer from any account with funds availability. Federally Insured by NCUA.

2More than 3 withdrawals per month will incur a fee. Please see Rates & Fees page for details. View the Truth-In-Savings Disclosure.
3 10.86x higher than national savings rate. Average rate information based on FDIC national rates on regular savings account at 0.46% as of 10/16/2023..

Why Choose Max Savings High Interest Account?

10x the Average APY

No Monthly Service Fees

Unlimited Transfers

No Minimum or Maximum Balance

Questions about our accounts or membership?

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All Neighborhood Credit Union saving accounts feature:

Set Up Direct Deposit
Neighborhood CU makes it easy to switch banks. Easily, quickly, and securely set up your direct deposit and automatic payments in one single step.

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.

Mobile Wallet
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.

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. 
GreenPath Financial Wellness
With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.

Want to compare our accounts side by side?

Click the "Compare Accounts" button to explore in-depth.
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MyNCU Mobile App

Use our award-winning app to manage your accounts, deposit checks, make transfers, and more.

Frequently Asked Questions

There's no minimum required for this account, which means you can open it without worrying about any initial deposit. However, to start earning interest, all you need is a minimum balance of just $100.00. So, you can get started with ease and watch your savings grow! If you have any questions, don't hesitate to ask. We're here to help!
Max Savings High Interest Account is only available for new members. 
Anyone who lives in the state of Texas is eligible to open a Max Savings High Interest Account can open the account online.
No monthly fees, unless more than 3 Neighborhood Credit Union Member Service assisted withdrawals or transfers. 
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.

Who We Are

Formerly known as Dallas Postal Credit Union, Neighborhood Credit Union opened its doors to its first members in April 1930, just months after the U.S. stock market crashed. During the Great Depression, when Americans’ trust in financial institutions were at their lowest, Dallas Postal Credit Union won that trust and loyalty of its charter members. In 2001, we officially changed our name to Neighborhood Credit Union, a name that more accurately reflects the diverse base of members from all over the Dallas area.

Neighborhood Credit Union now serves the entire state of Texas with over 56,000 members and assets that top $1 billion. Our ongoing effort to offer members convenient services in their communities and mobile access wherever they go has made us a top-rated credit union in the Dallas-Fort Worth area.