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Personal Accounts

Fees Rates

You work hard for your money, which is why we offer accounts with no hidden fees and little to no minimum balance requirement. We work towards improving your experience as a member every day and this is illustrated in our various personalized account options and features. Check them out below and learn what membership means at NSWC Federal Credit Union.

Currently, we do not have online account opening, but we are working on it. We hope to have this ready to go in the Spring of 2018.  Please visit a branch closest to you to open an account!

  • Checking

    Some say the best things in life are free.  We couldn’t agree more. With no minimum balance requirement and no hidden fees our checking account options are perfect for your financial well being.

    Basic Checking – Created just for you, this popular account boasts numerous beneficial features:

    • No minimum balance requirement
    • No monthly service charge  
    • Free mobile and online banking
    • Free Bill Paying Service and Personal Financial Tool
    • Free unlimited check writing
    • Access to your account at any NSWC FCU credit union office, Plus, AFFN and The Exchange ATMs
    • Free descriptive monthly statements
    • Free 24 hour account access through UNO, our Audio Response System
    • Free remote deposits

    Daily Money Fund – Earn a higher rate of dividends on your money with this account and receive the same valuable features as our Basic Checking account:

    • Earn dividends at a premium rate each day your minimum balance is at least $2,000
    • Dividends paid monthly. Minimum balance required to obtain APY.
  • Savings

    There is nothing better than knowing you are financially secure. Start the savings account that's perfect for you today and reach your future goals and milestones.

    Prime Share – This convenient account establishes Credit Union membership while providing various member-friendly features:

    • Minimum balance of $1.00 required to obtain Credit Union membership.
    • No monthly service charge
    • Free mobile and online banking
    • Free Bill Paying Service and Personal Financial Tool
    • Access to your account at any NSWC FCU credit union office, Plus, AFFN and The Exchange ATMs
    • Free descriptive quarterly statements
    • Free 24 hour account access through UNO, our Audio Response System
    • Free mobile remote deposits    
    • Earn quarterly dividends

    Regular Share – If one savings account isn’t enough this account can provide a second option to organize your money to fit your needs. This account has the same features as our Prime Share account.

    Premium – This account provides you a higher dividend for higher balances plus all of the features our Prime Share account offers.

    • Earn dividends on balances of $10,000 or higher
    • The Premium Savings account is limited to six electronic transactions per calendar month, but is allowed unlimited in-person transactions.  Electronic transactions in excess of six will not be processed.

      • What does this mean? Electronic transactions include transactions initiated by you via online banking or through the Internet, automated phone system (UNO), by telephone or pre-authorized or automatic withdrawals (except for internal transfers to pay a loan with NSWC FCU) and fax.  ATM transactions and direct deposits are not considered electronic transactions.  You may have an unlimited number of electronic transactions, on any of your NSWC FCU accounts, except for the Premium Savings account. 
        Why restrict some accounts and not others? Federal law restricts the number of electronic transactions that can be posted to an account, and most savings accounts qualify for this restriction.  Unlike checking accounts that allow unlimited transactions in any form, savings accounts are intended to have far fewer transactions.  With this change to our Account Agreement, only the Premium Savings account will be subject to this restriction.

    Military Saves – Active and Retired Military, National Guard, Reservists and their dependents are eligible for a special rate!

    • $1 minimum opening deposit required
    • 8% annual percentage yield on the first $500 deposited into the account
    • Must be Active or Retired Military, National Guard, a Reservist or a dependent to be eligible for this account
    • No monthly service charge
    • Must accept electronic documents and receive e-statements
    • Must make at least 1 deposit monthly
    • Current, valid military ID required at opening
    • If the monthly deposit is not posted, the rate will revert to the current Share savings rate. This special rate remains in effect as long as all requirements are met for the first $500. Balances over $500.00 will earn the regular share savings rate and this rate may change after the account opening
    • Dividends compounded and credited quarterly

    Youth Saves – Are you 19 years or younger? You are eligible for this special rate!

    • $1 minimum opening deposit required
    • 5% annual percentage yield on the first $500 deposited into the account
    • Must be 19 years of age or younger
    • No monthly service charge
    • Balances over $500 will earn the regular share savings rate and this rate may change after the account opening. The rate will revert to the regular share savings rate when the member reaches age 20.
    • Dividends compounded and credited quarterly
  • Youth Accounts

    Our Youth, or Minor, Accounts have great benefits and rewards! Check them out below:

    Whiz Kidz (0 - 8 year olds)

    • Free piggy bank, punch card, and Rainbow Coin Saver with crayons upon account opening
    • One time $10 deposit match on Rainbow Coin Savers
    • Prizes for reaching $100 - $500 savings milestones
    • Earn stickers and a punch on your punch card for each deposit you make
    • Prizes for earning 10 punches on your deposit punch card
    • Take advantage of Youth Saves account eligibility
    • Quarterly parent newsletter (ages 4-8)
    • Quarterly kidz newsletter (ages 4-8)
       

    Young Executives (9 - 15 year olds)

    • Open a checking account with a parent or legal guardian
    • Learn how to use and manage a debit card with a parent or legal guardian
    • Good grade recognition - Bring your report card into a branch at the end of the school year and receive $5 for each “A” you earned - up to $20 max
    • Take advantage of Youth Saves account eligibility
       

    Money Masters (16 & 17 year olds)

    • Receive a one time $25 bonus for your first direct deposit after you turn 16
    • Open a checking account with a parent or legal guardian
    • Use and manage a debit card with a parent or legal guardian
    • Take advantage of Youth Saves account eligibility
    • Good grade recognition - Bring your report card into a branch at the end of the school year and receive $5 for each “A” you earned - up to $20 max
    • COMING SOON - Apply for a low limit credit card with a co-signer
       

    Recognition for good grades limited to $20 per school year and will be deposited into prime share savings account. Grades must be brought into a branch within 60 days of school year completion. Checking accounts and debit cards may be opened with a parent or legal guardian as joint account owner.

  • Club

    Vacations and holidays are supposed to be fun. Eliminate stress and let us help you save for specific goals with one of our Club Savings Accounts.

    Christmas Club – Prepare for holiday shopping in advance with this account created specifically for a stress free Christmas:

    • Choose the amount you wish to save
    • No monthly service charge
    • Free mobile and online banking
    • Free access to your account at any NSWC FCU credit union office
    • Free 24 hour account access through UNO, our Audio Response System
    • Free mobile remote deposits
    • Free automatic transfers
    • Earn quarterly dividends

    Vacation Club – This account is perfect for preparing for the vacation you deserve. This account offers the same features as our Christmas Club Account!

  • Certificates

    If you’re looking to earn higher dividends on your money, one of our many share certificate options is the perfect solution for you.

    Share Certificates – Earn higher dividends on the money you are saving with a Share Certificate. Choose from a 6 month, 9 month, 1, 2, 3 or 5 year certificate term option.

    • Minimum $100 deposit
    • Dividends pay at maturity for 6 and 9 month certificates
    • Dividends compound and pay quarterly on 1 to 5 year certificates
    • No monthly service charge
  • IRA

    Planning for retirement can be overwhelming. With the help of our Financial Services professionals and our IRA products we can guide you to the relaxing retirement you have earned.

    Variable Rate Account – Earn the current market rate on your IRA funds with this Individual Retirement Account:

    • Earn dividends quarterly
    • No monthly service charge
    • Free mobile and online banking
    • Access your account at any NSWC FCU credit union office, Plus, AFFN and Accel ATMs
    • Free 24 hour account access through UNO, our Audio Response System
    • Free automatic transfers

    Share Certificate – With an IRA Share Certificate you can earn higher dividends on the money you are saving with our 1, 2, 3 or 5 year certificate options. These certificates offer the same benefits as our regular Share Certificates plus:

    • Dividends compound and pay quarterly