Savings Accounts

¹ This increased level of protection is provided through a combination of the highest level of deposit insurance protection offered through the National Credit Union Administration (NCUA), an agency of the federal government, and an additional $250,000 per member policy with Excess Share Insurance (ESI), the nation's largest private share savings insurer. ESI is not an agency of the federal government and is not affiliated with the NCUA.

*The Silver Lining Share Account is a variable rate account of 4.00% [4.09% Annual Percentage Yield (APY) effective as of May 14, 2008] for balances $0 to $500. A variable rate of .50% with an APY of .50% (effective as of May 14, 2008) applies to all Silver Lining balances $500.01 and over. These variable rates may change after the account is opened. Our dividends are calculated day of deposit to day of withdrawal; compounded and paid on the last day of the month. One Silver Lining Share Account per qualifying member. Fees (specifically an Inactivity Fee) could reduce earnings on the account. Members must have an active NECU checking account. For complete details, please speak with a Member Service Representative at 1-888-436-1847.