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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.

Share/Savings Account

– 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

$ 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 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

$  5.00      to obtain a 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 an 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 a 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 Cards call 888-263-3370

Fees:

$ 5.00     to open account, plus membership

$ 5.00     Early withdrawal fee

$ 2.00     fee to close an account

Christmas Club starts mid-November and funds are distributed in your Shares in November the following year before Thanksgiving Holidays.

Rate:

6 months – 3.25% APY

12 months- 3.25% APY

Rates Effective September 1, 2023, as per Board Meeting

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 15, 2022. Full fee schedule can be obtained from the Credit Union or from the website at www.ncecreditunion.net or email us at membersevices@ncereditunion.com. All rates subject to change.

NCE Credit Union

901 Leopard Street Suite 114
Corpus Christi, TX 78401
361-882-4780 Fax 361-885-7599