{"slug":"neighborhood-credit-union-high-yield-checking-rate","category":"bank","institutionSlug":"neighborhood-credit-union","product":"High Yield Checking","title":"Neighborhood Credit Union High Yield Checking: 4.00% APY","bonus":"4.00% APY","unit":"cash","amount":0,"reqShort":"$100 minimum, 15 debit transactions + $500 direct","expiresOn":null,"status":"live","verifiedOn":"2026-08-05","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"myncu.com","applyUrl":"https://www.myncu.com/bank/open-account","summary":"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.","reqSteps":[],"finePrint":["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."],"apy":400,"apyTerm":"ongoing APY","listedOn":"2026-08-05","listedAt":"2026-08-05T13:17:28.709Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"myncu.com rate page","url":"https://www.myncu.com/bank/open-account","checkedOn":"2026-08-05"}],"needsVerification":false}