Products & Services

Share/Savings Account

– To join, there is a minimum of $50.00 deposit to open a savings account.

Share/Savings Account Fees: (dividend paid quarterly .25% APY)

$ 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 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 charges $35.00 per item)

Fees:

$ 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..

$1000    Minimum deposit required

Rate:

6 months – .25% APY

12 months-  .25% APY

24 months –  .25% APY

Rates Effective 09/2020 as per Board Meeting 

Loans: (with approved credit) Visit NCE Credit Union for 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.

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 January 1, 2021. Full fee schedule can be obtained from the Credit Union or from the website at www.ncecreditunion.net. All rates subject to change.