Earn Competitive Rates with Max Savings
Our Max Savings Account is designed to reward higher balances with higher rates - up to 3.05% APY.¹
Current Max Savings Rate Tiers
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Balance Range
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Rate | APY |
|---|---|---|
| $0 – $99,999 | 0.00% | 0.00% |
| $100,000 – $500,000 | 2.96% | 3.00% |
| $500,000+ | 3.00% | 3.05% |
Account Details
- Minimum Opening Balance: No minimum required
- Minimum to Earn Dividends: $100,000
- Transactions: Unlimited transfers; up to three (3) withdrawals per statement cycle
- Under 18? Start your application process here.
Here's How to Open a Max Savings High Interest Account:
Step
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Confirm EligibilityIf you live in the state of Texas and you join us as a new member, or if you're already a member, you’re in! |
Step
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ApplyClick the button below to complete our online application or stop by your local branch to start an application. |
Step
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Start Earning!Watch your money grow through our secure online portal or highly-rated mobile app. |
1*APY = Annual Percentage Yield. Rate is accurate as of 10/01/2025. Balances $0–$99,999.99 will earn 0.00% APY (no dividends), $100,000–$499,999.99 will earn 3.00% APY with a fixed rate of 2.96%, and $500,000 and greater will earn 3.05% APY with a fixed rate of 3.01%. A minimum balance of $100,000 is required to earn dividends. Account has no monthly service fees. Three (3) withdrawals allowed per month, each withdrawal thereafter will incur a fee. 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 5.3x higher than national savings rate. Average rate information based on FDIC national rates on regular savings account at 0.38% as of 10/01/2025.
Questions about our accounts or membership?
All Neighborhood Credit Union saving accounts feature:
Explore the Perks for Neighborhood Credit Union Members
Explore Perks
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| Surcharge-Free ATMs |
Courtesy Pay | Earn Cash, Refer Friends |
|---|---|---|
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The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
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Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.
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Whenever you refer family or friends who do not have a membership with us, you'll receive up to $100.00.*
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| Mobile Wallet |
Send Money with Zelle® | GreenPath Financial Wellness |
|---|---|---|
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Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
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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.
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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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§APY = Annual percentage yield
*Domestic ATM withdrawal fees incurred during Qualification Cycle in which qualifications were met will be reimbursed and credited to account on the last day of Monthly Statement Cycle.
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, you need is a minimum balance of $100,000. 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 available for all members.
Anyone who lives in the state of Texas is eligible to open a Max Savings High Interest Account can open the account online. You can also visit your local Neighborhood Credit Union branch to begin the application process.
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.
Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 90 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.
We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.
As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.
At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.
