Neighborhood Credit Union High Yield Checking

This checking account earns 4.00% APY on balances up to $25,000 when you meet monthly qualifications: 15 debit/credit card transactions of $5+, $500 in direct deposits, and eStatements enrollment. Balances over $25,000 earn 0.10% APY on the excess. If qualifications aren't met, the account earns 0.01% APY.

Eligibility

How to get the Neighborhood Credit Union High Yield Checking rate

1. Apply through the offer page to open the High Yield Checking.
2. Complete the requirement: $100 minimum, 15 debit transactions + $500 direct.

The fine print that matters

• Rates accurate as of 07/01/2026 and subject to change after account is opened.
• If qualifications are not met each monthly cycle, all balances earn 0.01% APY.
• Balances over $25,000 earn 0.10% APY on the portion over $25,000, resulting in blended rates of 4.00% to 0.88% APY depending on balance.
• ATM transactions or transfers between accounts do not count toward qualifying debit card transactions.
• Qualifying transactions must post and settle during the monthly qualification cycle.
• Domestic ATM withdrawal and inquiry fees refunded up to $15 per month if qualifications are met.
• Limit one account per household.
• Federally insured by NCUA.

Verification and reports

Confirmed against myncu.com on Aug 7, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.

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Sources: myncu.com rate page (checked Aug 5, 2026)