Savings Account Features Guide
| Interest Rate |
| APY |
3.77% |
| Minimum Deposit Amount |
$5,000.00 |
| Maximum Deposit Amount |
N/A |
| Balance Requirements |
| Minimum Opening Deposit |
$100.00 |
| Minimum Balance to Avoid Fees |
$5,000.00 |
| Minimum Required Balance |
- |
| Fees |
| Monthly Maintenance Fee |
$25.00 |
| Foreign ATM Fees |
$3.00 |
| Insufficient Funds Fee |
$35.00 |
| Incoming Wires |
$25.00 |
| Account Opening |
| Open Online |
Yes |
| Insured by |
F.D.I.C.
|
| Statements |
| Paper Statements |
Yes |
| Online Statements |
Yes |
| Online and Telephone Banking |
| Online Banking |
Yes |
| Telephone Banking |
Yes |
| Mobile Banking |
Yes |
| Deposit Checks with Mobile Device |
Yes |
| Free Bill Pay |
Yes |
| Online Bill Payments Required |
Yes |
Account Description
• $0-$9,999: Interest Rate 0.60% Annual Percentage Yield 0.60%
• Interest will credit on the last day of the month and compound daily.
• Must deposit $100.00 to open this account.
• To avoid a monthly account maintenance service charge a fee of $25.00 will be imposed on the last day of the cycle if the average monthly balance in the account falls below $5000.00.
• Must maintain a minimum balance of $0.01 in the account each day.
• An excessive transaction withdrawal fee of 1.00 will be assessed to the account for each withdrawal, ATM/Debit card withdrawal, preauthorized or automatic withdrawals/transfers over 4 per month.
Rate History
|
Date
|
APY
|
|
September 18, 2025
|
3.77%
|
|
August 20, 2023
|
2.53%
|
Customer Reviews for National Cooperative Bank
Nearby Branches to Consider
There are currently no comments for National Cooperative Bank. Be the first to share your experience. Please provide comments that will help others.