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Important Information about Procedures for 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.
Share/Savings Account
To join, there is a minimum of $50.00 deposit to open a savings account.
Share/Savings Account Fees:
(Dividends are paid Quarterly 0.25% APY= Annual Percentage Yield)
To be considered an ACTIVE member of the Credit Union, your Share/Savings account must have a minimum balance of $50.00
$15.00 Credit Union Membership Fee
$3.00 Per Withdrawal, after one FREE withdrawal per quarter
$3.00 Transfer Fee on “All Transfers”
$1.00 Credit Union Check Fee
$3.00 Mail Request Fee
$5.00 Statement Copy Fee
$25.00 Account Research Fee per hour
$10.00 Close Account Fee (Entire Account)
Share Draft/Checking Account
To open a Share Draft/Checking Account, a minimum of $10.00 deposit is required.
Share Draft/Checking Account Fees
(No dividends paid)
**Must wait 30 days before re-opening. **Lost or Stolen Debit Card call (888) 263-3370
$7.50 NCE Monthly Service Fee
$1.00 Balance Inquiry Fee
$3.00 Transfer Fee on “All Transfers”
$35.00 Insufficient Funds Fee
$35.00 Check Deposited into your account that is unpaid
$35.00 Stop payment fee (per item)
$35.00 Stop payment fee for Credit Union Check
$5.00 Statement Copy Fee
$3.00 Mail Request Fee
$1.00 Credit Union Check Fee
$5.00 Cashier’s Checks Fee
$15.00 Replace Debit Card Fee
$5.00 Change Pin on Debit Card
$35.00 Wire Transfer Fee
$25.00 Provide Assistance with Account Balancing (per hour)
$25.00 Research Account Fee (per hour)
Christmas Club
(Dividends paid quarterly 0.25% APY = Annual Percentage Yield)
Christmas Club funds will be distributed in your Shares a week prior to Thanksgiving.
$5.00 Christmas Club Membership Initial Fee
$5.00 Early Withdrawal Fee
$2.00 Close Account Fee
Loans: (with approved credit)
Visit NCE Credit Union for a credit score analysis report for rates.
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.
$35.00 Loan Processing Fee
$35.00 Late Payment Fee
$35.00 Skip-a-Pay Fee
Notice of Fee Changes
Effective November 1, 2024. Full fee schedule can be obtained from the Credit Union or from the website at www.ncecreditunion.net. All rates are subject to change.
Certificates of Deposits
$1000 Minimum deposit required
Early withdrawal penalty of 90 days’ interest may be imposed
6 months – 3.25% APY 3.29 % APY
12 months- 3.25% APY 3.29 % APY
Rates Effective 11/01/2024, as per Board Meeting
