Neighborhood Credit Union High-Yield Savings & Money Market Rates

How Neighborhood Credit Union’s savings rates compare

Compared with banks and credit unions near Dallas, TX, where Neighborhood Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Neighborhood Credit Union
2.75%APY
Requires
None
Minimum
$100
Earns on $10,000 a year
$275
High Yield Savings
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
Nizari Credit Union
4.00%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$400
Nizari Credit Union rates

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Savings score

Higher than 10% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0000.10%
$100,000 balance$100,0000.10%
QualifiedQualified0.10%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Neighborhood Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Max Savings

0.00%APY

No monthly service fees. Up to 3 withdrawals per statement cycle/month; excess withdrawals incur a fee. Available online to anyone living in Texas or at a local branch.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100,000Balances $0–$99,999.99 earn no dividends (0.00% APY). Minimum balance of $100,000 required to earn dividends.	0.00%	$0	Balances $0–$99,999.99 earn no dividends (0.00% APY). Minimum balance of $100,000 required to earn dividends.
$100,000 – $500,000Fixed rate of 2.96%.	3.00%	—	Fixed rate of 2.96%.
$500,000 and upFixed rate of 3.01%.	3.05%	—	Fixed rate of 3.01%.

Sources (4)

All captured Sep 17, 2026

High Yield Savings

2.75%APY$100 to open

3 free withdrawals per month/statement cycle; excess withdrawals incur a fee. Minimum $100 deposit to open; minimum balance of $10,000 required to earn 2.75% APY. Balances under $10,000 earn 0.00% APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Balances under $10,000 earn 0.00% APY.	0.00%	—	Balances under $10,000 earn 0.00% APY.
$10,000 and upMinimum balance of $10,000 required to earn 2.75% APY with an interest rate of 2.71%.	2.75%	$275	Minimum balance of $10,000 required to earn 2.75% APY with an interest rate of 2.71%.

Sources (4)

All captured Sep 17, 2026

Money Market

0.10%APY$1,000 to open

Up to six (6) transfers and withdrawals allowed per month; excessive withdrawal fee applies. Minimum withdrawal amount is $500. $10 monthly minimum balance fee assessed if balance falls below $2,000. Membership requires maintaining at least one share ($25 par value) in Membership Savings or Prize Savings.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Account earns 0.00% APY on balances below $1,000. Monthly fee of $10 assessed if balance falls below $2,000.	0.00%	—	Account earns 0.00% APY on balances below $1,000. Monthly fee of $10 assessed if balance falls below $2,000.
$1,000 – $10,000Tier rate applies to the full balance once met. Dividends compounded and credited monthly. Monthly fee of $10 assessed if balance is below $2,000.	0.10%	—	Tier rate applies to the full balance once met. Dividends compounded and credited monthly. Monthly fee of $10 assessed if balance is below $2,000.
$10,000 and upTier rate applies to the full balance once met. Dividends compounded and credited monthly. Monthly fee waived for balances of $2,000 or greater.	0.10%	$10	Tier rate applies to the full balance once met. Dividends compounded and credited monthly. Monthly fee waived for balances of $2,000 or greater.

Sources (3)

All captured Oct 17, 2026

Prize Savings

0.10%APY$25 to open

Limit one Prize Savings account per membership. Must be 18 years of age or older. 3 free withdrawals per month; additional withdrawals incur a fee. Minimum Relationship Fee applies if minimum monthly balance of $500 is not maintained and no other loan or deposit relationship exists. Minimum balance of $100 required to earn dividends. Receive 1 entry for every $5 monthly average balance for monthly Giveaway and 1 entry for every $5 monthly average daily balance for Annual Grand Prize Giveaway.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upFixed interest rate at 0.10% on balances of $100 or more. Minimum opening deposit $25 membership share.$100 and up	0.10%	$10	Fixed interest rate at 0.10% on balances of $100 or more. Minimum opening deposit $25 membership share.

Sources (5)

All captured Sep 17, 2026

Special Savings

0.10%APY$25 to open

Secondary savings account used to separate funds for special purposes. No maintenance fees. Up to 3 withdrawals per month free; more than 3 withdrawals incur a fee. Can be used as collateral on a loan. Minimum balance to earn dividends is $100; if balance drops below $100, interest drops to 0.00% APY.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upFixed interest rate at 0.10% on a balance of $100 or more. If balance drops below $100, rate earned drops to 0.00% APY. Opening minimum is $25.$100 and up	0.10%	$10	Fixed interest rate at 0.10% on a balance of $100 or more. If balance drops below $100, rate earned drops to 0.00% APY. Opening minimum is $25.

Sources (5)

All captured Sep 17, 2026

Special-purpose accounts

Christmas Club

0.10%APYClub$25 to open

Withdrawals not allowed until funds are transferred into Prize Savings in early November. Early closure fee applies. Account withdrawal limitations apply. Dividends compounded and paid monthly on minimum average daily balance of $100.00.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upEarns a rate of 0.10% and an APY of 0.10% on minimum average daily balance of $100.00. Minimum deposit to open is $25.00.$100 and up	0.10%	$10	Earns a rate of 0.10% and an APY of 0.10% on minimum average daily balance of $100.00. Minimum deposit to open is $25.00.

Sources (5)

All captured Sep 17, 2026

Individual Retirement Savings

0.10%APYIRA$100 to open

Save for retirement with Traditional IRA or Roth IRA wrapper. No monthly maintenance fees. Fixed rate of 0.10%. Minimum balance to earn dividend is $100.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upFixed interest rate of 0.10%. Minimum balance to earn dividend is $100. Minimum opening deposit is $100.$100 and up	0.10%	$10	Fixed interest rate of 0.10%. Minimum balance to earn dividend is $100. Minimum opening deposit is $100.

Sources (5)

All captured Sep 17, 2026

Kid's Savings

0.10%APYKids and teens$25 to open

For children under the age of 13. Opened as a sub-account under parent or eligible adult who must have an existing membership. Social security number and tax reporting are under parent/adult's info. No maintenance fees. More than 3 withdrawals per month will incur a fee. Minimum balance to earn dividend is $100. At age 13 (or age 8 with cursive signature ability), child is eligible to open Membership Savings Account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upFixed interest rate at 0.10%. Minimum balance to earn dividend is $100. Minimum opening deposit is $25.$100 and up	0.10%	$10	Fixed interest rate at 0.10%. Minimum balance to earn dividend is $100. Minimum opening deposit is $25.

Sources (5)

All captured Sep 17, 2026

Membership Savings

0.10%APYKids and teens$25 to open

For establishing membership share into credit union for ages 13 to 17 or if declining Prize Savings. Up to 3 withdrawals per statement cycle free; more than 3 withdrawals per month incur a fee. Minimum Relationship Fee applies if balance drops below $500 and account is member's sole account. Minimum balance to earn dividend is $100; if balance drops below $100, rate earned is 0.00%.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upFixed interest rate at 0.10% on a balance of $100 or more. Rate drops to 0.00% if balance is below $100. Minimum deposit to open is $25.$100 and up	0.10%	$10	Fixed interest rate at 0.10% on a balance of $100 or more. Rate drops to 0.00% if balance is below $100. Minimum deposit to open is $25.

Sources (3)

All captured Sep 17, 2026

Who can join Neighborhood Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Individuals are eligible for membership if they live in the state of Texas.

Family and household

Individuals qualify for membership simply by having a qualifying family member.

Cost to join

Members are required to purchase and maintain a minimum membership share with a $25 deposit into a Prize Savings Account.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Neighborhood Credit Union overview

How Neighborhood Credit Union’s savings rates compare

Neighborhood Credit Union savings score

Current savings rates

Max Savings

High Yield Savings

Money Market

Prize Savings

Special Savings

Special-purpose accounts

Christmas Club

Individual Retirement Savings

Kid's Savings

Membership Savings

Who can join Neighborhood Credit Union

Where you live or work

Family and household

Cost to join