# Neighborhood Credit Union High Yield Checking: 4.00% APY

Canonical: https://dealaka.com/offers/neighborhood-credit-union-high-yield-checking-rate

- Status: Limited reports
- Bonus: 4.00% APY
- APY: 4.00% (ongoing APY)
- Requirement: $100 minimum, 15 debit transactions + $500 direct
- Expires: no published end date
- Availability: Nationwide
- Institution: Neighborhood Credit Union
- Verified: Aug 5, 2026 against myncu.com
- Field reports: 0

## 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.

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

## 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.

## Sources
- myncu.com rate page <https://www.myncu.com/bank/open-account> (checked Aug 5, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._