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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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Special Savings

Achieve your savings goals.

Account Features

Earn 0.10% APY1

No Maintenance Fees

24/7 Online Banking

$25 Opening Deposit

How it Works

Earn 0.10% APY1 on a balance of $100 or more. If your balance drops below $100 you will not incur any maintenance fees and the interest will drop to 0.00% APY1. Access your account at anytime to deposit funds or transfer to other accounts with Online Banking or the MyNCU Mobile App.

Minimum Opening Deposit


Transaction Limits

Make unlimited deposits and up to three (3) withdrawals each statement cycle free of charge. Any excess withdrawal will incur a fee2.

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All Neighborhood Credit Union savings accounts feature:

Want to compare savings accounts side by side?

Click the "Compare Accounts" button to explore in-depth.
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4.25% APY* 17-Month CD

An online-only CD offer that allows additional deposits.

Frequently Asked Questions

Interest on the Special Savings account is compounded monthly.
There is no monthly service charge for members who's balance in their Special Savings account drops below $100.
Yes, the Special Savings account can be used as collateral on a loan.
1APY = Annual Percentage Yield. Fixed interest rate at 0.10% on a balance of $100 or more. Rate effective March 1, 2023 and is subject to change after account opening. $25 minimum deposit required to open account. If minimum balance drops below $100, the annual percentage rate earned will be 0.00%. 
2More than 3 withdrawals per month will incur a fee. Please see Rates & Fees page for details.