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Important Information about the Procedures of Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your social security card , driver’s license, or other forms of identification.
– To join, there is a minimum of $50.00 deposit to open a savings account.
– Dividends are paid Quarterly .25% APY= Annual Percentage Yield
Share/Savings Account Fees:
$ 15.00 credit union membership fee
$ 3.00 per withdrawal, after one free withdrawal per quarter or maintain a balance of $2000.00 for no fees
$ 5.00 fee for a copy of a statement
$25.00 per hour account research fee
$10.00 fee to close account
$ 3.00 fee for mail requests
$ 3.00 transfer fee on “all transfers”
(To be considered an active member of the Credit Union, your share/savings account must have a minimum balance of $50.00)
Share Draft/Checking Account-
To open a Share Draft/Checking Account, there is a minimum of $10.00 deposit required. (no dividends paid)
Share Draft/Checking Account Fees:
* $ 10.00 fee for closing account . Must wait 30 days before re-opening.
$ 5.00 Cashier’s Checks fee
$ 3.00 transfer fee from or to any member account
$ 5.00 fax a copy of account statement or printout
$ 1.00 balance inquiry
$ 35.00 insufficient funds fee
$ 7.50 NCE Checking package
$ 25.00 per hour for research on account
$ 3.00 to obtain copy of a statement
$ 35.00 to stop payment on a draft (per item)
$ 35.00 to stop payment on NCE Check
$ 35.00 wire transfer
$ 5.00 copy of a draft by fax
$ 10.00 fee to close account
$ 15.00 fee to replace debit card
$ 5.00 Change pin on debit card
$ 15.00 per hour to provide assistance with account balancing
$ 35.00 fee for check deposited into your account that is returned unpaid. (If you do not have funds to cover returned check you will be charged $35.00 per item)
Lost or Stolen Debit Card call 888-263-3370
Christmas Club –
– Minimum $5.00 deposit required, plus membership
– Dividend paid quarterly .25% APY= Annual Percentage Yield
$ 5.00 to open account, plus membership
$ 5.00 Early withdrawal fee
$ 2.00 fee to close account
Christmas Club starts mid-November and funds are distributed in your Shares in November the following year before Thanksgiving Holidays.
Certificates of Deposits
$1000 Minimum deposit required APY= Annual Percentage Yield
6 months – 2.00% APY
12 months- 2.00% APY
Rates Effective December 15, 2022 as per Board Meeting
Visit NCE Credit Union for credit score analysis report for rates. (all loans with approved credit)
To be considered for a loan you must be a member for six months or be employed for at least six months , and have a minimum of $50.00 in Shares.
Note: A $35.00 fee will be applied to any late payment.
$35.00 Skip a pay fee
$35.00 Loan processing fee
Notice of Fee Changes
Effective March 15th, 2021. Full fee schedule can be obtained from the Credit Union or from the website at www.ncecreditunion.net or email us at firstname.lastname@example.org. All rates subject to change.
NCE Credit Union
901 Leopard Street, County Courthouse, Suite 114
Corpus Christi, TX. 78401
361-882-4780 Fax 361-885-7599