Member Share Savings
Your Member Share Account at Neighbors Federal Credit Union establishes your membership/ownership, earns dividends, and gives you the opportunity to build a secure future. Establishing membership requires a minimum $5 deposit and a minimum balance of $5 to retain your membership.
- Balances over $100 earn dividends.
- Enjoy competitive rates
- Maintain and grow your savings easily through direct deposit or automatic transfers from other accounts.
- A Share account can also provide Overdraft Protection for NFCU checking accounts
- Convenient online banking 24 hours a day, 7 days a week
- Quarterly statements
Extra Savings
An Extra Share Savings account allows you to save money separately from your Member Share Savings account. Whether you’re saving for something specific or just a rainy day, an Extra Savers account allows you flexibility with all the benefits of a regular share account.
- Balances over $100 earn dividends.
- Enjoy competitive rates
- Maintain and grow your savings easily through direct deposit or automatic transfers from other accounts.
- An Extra Share account can also provide Overdraft Protection for NFCU checking accounts
- Convenient online banking 24 hours a day, 7 days a week
- Quarterly statements
Savings Rates
Savings (Share) Type | Min Balance to Earn APY | Dividend Rate | APY* |
---|---|---|---|
Regular Shares | $100.00 | 0.10% | 0.10% |
Extra Saver | $100.00 | 0.10% | 0.10% |
*APY = Annual Percentage Yield
Dividends are calculated on a daily balance method and are compounded and credited every quarter. Fees could reduce earnings on all accounts.
Federally insured by NCUA.
Geaux Free Checking
Our totally free checking account.
- No minimum balance requirements
- No monthly service fees
Federally insured by NCUA
Dividend Plus Checking
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With a Dividend Plus Checking Account, members who meet 4 simple qualifications enjoy all the rewards of our dividend earning checking account PLUS the added security of identity protection, cell phone protection, roadside assistance and access to exclusive local discounts for only $4.95 a month.
Qualifications for Rewards:
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Account Benefits | |
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Dividend Plus Checking Rates
Range | Dividend Rate | APY+ |
---|---|---|
$1,500.00 - $15,000.00 | 1.85% | 1.87% |
over $15,000.00 | 0.10% | 0.10% |
*APY=Annual Percentage Yield
Monthly service fee: $4.95
$6 service fee applied to those accounts that fall below the $1,500 minimum average daily checking account balance. Regular share rate will apply to balances over $15,000. Dividends are calculated on a daily balance method and are compounded and credited monthly. If the member fails to meet one or more of the qualifications, the member will receive only .05% dividend rate on the checking account. Fees could reduce earnings on this account.
Dividend Checking
With a Dividend Checking Account, members who meet 4 simple qualifications enjoy all the rewards of our dividend earning checking account.
Qualifications for Rewards:
- Enroll in eStatements
- One direct deposit or automatic payment per cycle
- 10 Visa debit check card purchases per cycle
- Maintain a $1500 minimum average daily balance
Account Benefits
- Monthly dividends*
- Free nationwide ATMs**
- Free Visa debit card
- Free online banking and bill pay
- Mobile banking with mobile deposit
Dividend Checking Rates
Range | Dividend Rate | APY* |
---|---|---|
$1,500.00 - $15,000.00 | 1.85% | 1.87% |
over $15,000.00 | 0.10% | 0.10% |
*APY=Annual Percentage Yield.
$6 service fee applied to those accounts that fall below the $1,500 minimum average daily checking account balance. Regular share rate will apply to balances over $15,000. Dividends are calculated on a daily balance method and are compounded and credited monthly. If the member fails to meet one or more of the qualifications, the member will receive only .05% dividend rate on the checking account. Fees could reduce earnings on this account. Federally insured by NCUA.
Mascot Plus Checking
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With a Neighbors Federal Credit Union Mascot Checking Account, you’ll enjoy the benefits of our traditional personal checking account and Neighbors will pay cash back to local schools for each debit card swipe. Plus, members enjoy the added security of identity protection, cell phone protection, roadside assistance and access to exclusive local discounts for only $4.95 a month.
- $4.95/month
- Cash back each month directly to our local schools
- Identity Monitoring and Restoration services
- Cell Phone Protection Plan
- Roadside Assistance
- Prescription and Travel discounts
- Exclusive access to local retail discounts via the new Neighbors Plus app
- Free Online and Mobile Banking with Mobile Deposit
- Free Visa debit card for easy cash and/or shopping
- Free E-statements (your monthly statement by e-mail)
Minimum opening deposit of $25 required. A monthly service charge of $4.95/month for Plus benefits applies. 1Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not federally insured, not an obligation or guaranteed by the credit union, its affiliates or any government agency. Other restrictions may apply.
Mascot Checking
Support your schools with a Mascot Checking Account from Neighbors Federal Credit Union. Enjoy the benefits of our traditional personal checking account and Neighbors will pay cash back to local schools with each debit card swipe.
- No monthly service charges or per check fees
- Free Online and Mobile Banking with Mobile Deposit
- Free Bill-Pay
- Free Visa debit card for easy cash and/or shopping
- Free E-statements (your monthly statement by e-mail)
Minimum opening deposit of $25 required.
Money Market Accounts
Members can invest a minimum of $2,500 into a Neighbors FCU Money Market Account and enjoy a higher return on their deposit balance with no annual fee. Dividends rates are set monthly and determined by the Federal Funds rate. Dividends are tiered and are paid and compounded monthly.
Money Market Account offers you better yields with flexibility:
- Minimum balance required is $2,500
- Tiered rates at $2500, $10000, $25000 and $50000
- Free Travelers Checks, Money Orders, and Cashier Checks
- Checks for the Money Market Account are free and have the special money market design
- 6 withdrawals allowed per month with a maximum of 3 withdrawals by check
- $10 below minimum fee, $10 excessive withdrawal fee
$250 minimum withdrawal fee applies.
Money Market Account Rates
Money Market Range | Dividend Rate | Annual Percentage Yield |
---|---|---|
$0.00 - $2,499.99 | 0.00% | 0.00% |
$2,500.00 - $9,999.99 | 0.20% | 0.20% |
$10,000.00 - $24,999.99 | 0.30% | 0.30% |
$25,000.00 - $49,999.99 | 0.40% | 0.40% |
over $50,000.00 | 0.50% | 0.50% |
Dividends are calculated on a daily balance method and are compounded and credited monthly. $2500.00 minimum balance required to earn the disclosed annual percentage yield. Fees could reduce earnings on all accounts.
Federally insured by NCUA.
Wealth Checking
Designed to make you money while keeping you liquid.
- Monthly dividends for balances over $50,000.
- Mobile/online banking and bill pay
- Visa debit card.
- E statements available.
- Automatic overdraft protection available.
Wealth Checking Rates
Range | Dividend Rate | APY |
---|---|---|
$0.00 – $49,999.99 | 0.00% | 0.00% |
$50,000.00 – $74,999.99 | 1.98% | 2.00% |
$75,000.00 – $99,999.99 | 2.23% | 2.25% |
Over $100,000.00 | 2.47% | 2.50% |
$25 service fee applied to those accounts that fall below the $50,000 minimum average daily checking account balance. Fees could reduce earnings on the account.
All rates and offers are subject to change. Federally insured by NCUA.
Make a quick switch with ClickSwitch
Now it’s easy to switch your direct deposits and automatic payments with ClickSwitch.
Opt-in when opening a new account, call us at 225-819-2178, or visit a branch to get started.
ClickSWITCH is an automated account-switching solution that makes it easy for you to quickly and securely switch your recurring direct deposits and automatic payments from your previous financial institution to Neighbors.
ClickSWITCH removes the hassle of contacting all of your billers and depositors to inform them of your new account information. You input your payment and direct deposit information to our secure ClickSWITCH system, submit the switch and we’ll do the rest. You can monitor the progress of your switches by clicking on the “View Existing Switches” on the home screen of your Dashboard.