Rates – Checking Accounts

View our latest rates here, or contact us to visit with us about any questions you may have. Contact us at: (402) 492-9100 or (800) 882-0244, or email, or stop by one of our branches.

SECURE(1) RATE APY*
$1,000 + 0.05% 0.05%
PREMIER(2) RATE APY*
$2,500 – OVER (Standard dividend) 0.15% 0.15%
Up to $10,000 (Premier Plus dividend rate**) 1.10% 1.10%
$10,000.01 – OVER (Premier Plus dividend rate**) 0.15% 0.15%

Rates effective as of 5/1/2022 and are subject to change. 
(1) The minimum balance requirement to earn dividends is $1,000. 
(2) The minimum balance requirement to earn dividends and avoid monthly fees is $2,500.

*APY-Annual Percentage Yield. The APY results if principal and dividends remain on deposit for one year at the stated dividend rate. APY is accurate as of the last dividend declaration date. Dividends are compounded using the average daily balance method. Savings and Club Account dividends accrue through the last day of each quarterly period and are posted to the account the last day of the quarter. Share Draft Checking Account dividends accrue through the last day of each monthly period and are posted to the account the last day of each month. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. Dividend rates vary at FNCU’s discretion and are subject to change at any time without notice. Fees or other conditions could reduce APY. All accounts are subject to the terms and conditions set forth in FNCU’s account agreement and Truth-in-Savings disclosure.

** To earn the higher Premier Plus dividend rate, the account must post and settle at least 35 eligible debt card transactions, be enrolled in eStatements and have direct deposit. If all criteria are met during the statement cycle, the account will earn the Premier Plus dividend rate listed above. If all criteria are not met, the account will earn the standard dividend rate listed above. Eligible transactions include all approved PIN or signature-based purchases. ATM transaction are not eligible.