The Importance of Emergency Savings: A Lifeline in Times of Need
Peace of Mind: Knowing that you have funds set aside for emergencies provides peace of mind. It reduces stress during tough times and allows you to focus on finding solutions instead of worrying about how to pay for them.
Avoiding Debt: Without emergency savings, people often resort to borrowing money or using high-interest credit cards when unexpected expenses occur. This can lead to debt cycles that are difficult to break.
Opportunity and Freedom: Emergency savings can also open doors to opportunities you may have never imagined. Whether it's pursuing further education, starting a business, or taking a dream vacation, having savings gives you the freedom to pursue your goals.
Prize Savings Account
Opening Deposit Minimum: $25 (membership share)
No Maintenance Fees: Maintain an average daily balance of $500 or have an additional account or loan product with us to enjoy fee-free banking.2
Unlimited Deposits: Save as much as you want, as often as you want.
Withdrawal Flexibility: Enjoy three free withdrawals each month.*
Earn Interest: Start earning 0.10% APY interest with just a $100 minimum balance.3
Exciting Prize Drawings: Receive one (1) entry weekly for every $25 average daily balance in your Prize Savings account, with drawings for the $1,000 weekly and $49,999.99 annual grand prize.
High Yield Savings Account
Impressive APY: Earn a remarkable 3.00% APY on a balance of $10,000 or more.5 If your balance drops below $10,000 you will earn 0.00% APY.6
Convenient Access: Access your account anytime, anywhere through Online Banking or the MyNCU Mobile App.
No Monthly Maintenance Fee: Keep your balance above $10,000 to avoid maintenance fees and to keep earning the high-interest rate.*
Special Savings Account
Earn Interest: Start earning 0.10% APY interest on a balance of $100 or more.
No Maintenance Fees: No maintenance fees if your balance stays above $100; interest rate drops to 0.00% APY if it falls below.*
Don't wait for the next emergency to strike. Take control of your financial future by opening one of our savings accounts today. Your emergency fund will be there when you need it most, providing you with the confidence and freedom to navigate life's unexpected twists and turns.
Remember, financial stability begins with smart saving, so get started on your journey towards a more secure tomorrow. Your future self will thank you for it!
Who We Are
As an active part of the community for 93 years, Neighborhood Credit Union is a not-for-profit financial organization serving the state of Texas with branch locations in Collin, Dallas, Denton, Ellis, and Tarrant counties. With assets topping $1 billion, Neighborhood Credit Union has a continuously growing membership of over 60,000. For more information, call (214) 748-9393 or visit our homepage.