Max Savings High Interest Account
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!
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. |
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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 myncu.com/max. 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 11x higher than national savings rate. Average rate information based on FDIC national rates on regular savings account at 0.42% as of 07/11/2023.
Why Choose Max Savings High Interest Account?
11x the Average APY³
No Monthly Service Fees
Unlimited Transfers
No Minimum or Maximum Balance
Questions about our accounts or membership?
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.
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| Account Type | Summary | Minimum Opening Deposit | APY* | Fees |
|---|---|---|---|---|
| Max Savings High Interest |
No minimum opening deposit, unlimited transfers, and up to 3 free withdrawals per month.
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$0 | 5.00% on balances of $100.00 or more. | No monthly fees unless more than (3) Member Service assisted withdrawals or transfers. See Rates & Fees page for current fees. |
| High Yield Savings |
24/7 access to funds, no maintenance fees, access to funds with 3 free withdrawals per month
|
$10,000 | 3.00% on $10,000 or more | If minimum balance is not maintained. See Rates & Fees page for current fees. |
| Money Market |
Low minimum opening deposit, tiered interest rate, access to funds with 6 withdrawals per month
|
$1,000 |
$1,000-$9,999.99: 0.10%
$10,000 & up: 0.10%
|
If minimum balance is not maintained. See Rates & Fees page for current fees. |
| 60 Month Certificate of Deposit |
Low risk, interest rate compounded daily
|
$2,500 | 4.00% | Interest penalty may apply for early withdrawal |
| Christmas Club |
Withdrawals not allowed until funds are transferred into Prize Savings in early November
|
$100 | 0.10% | Early closure fee |
| Prize Savings |
Earn cash and prizes during weekly, monthly, and an annual grand prize drawing
|
$25 | 0.10% | If minimum balance is not maintained and no other loan or deposit relationship exists. See Rates & Fees page for current fees. |
| Individual Retirement Savings |
Save for retirement with a Traditional IRA or Roth IRA
|
$100 | 0.10% | None |
| Special Savings |
Use to separate your funds for special purposes. Login to Online Banking to open online
|
$25 | 0.10% | None |
| Kid's Savings |
For kids ages 0 through 12
|
$25 | 0.10% | None |
*APY = Annual Percentage Yield
MyNCU Mobile App
Use our award-winning app to manage your accounts, deposit checks, make transfers, and more.
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 via our online application.
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 61,000 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.