When you put your money in an NRFCU savings account, you'll watch it grow as you earn competitive rates. If you want help building a regular savings plan, you’ll love the convenience of payroll deduction and automatic transfers. Plus, it's easy to access your funds whenever you want through Online Banking and Call Connection.

You'll also enjoy the peace of mind in knowing that your funds at NRFCU are insured up to $350,000 by the National Credit Union Share Insurance Fund (NCUSIF), a division of the National Credit Union Administration (NCUA), and Excess Share Insurance, Inc.

Share Savings

Your $5 opening deposit establishes your membership and buys you a "share" in the credit union. It also starts you on your way to earning competitive rates on your entire account balance. When you need to tap into your savings, you'll have easy access with an ATM card.

Money Market Savings

The more you save, the more you earn! With a $2,500 minimum deposit, our Money Market Savings Account pays competitive rates with tiers at $2,500, $10,000, $50,000, $100,000, and $250,000. And you can access your funds anytime you like.

Know your Federal Transaction Limitations with Regulation D

Your Share Savings and Money Market Savings accounts are subject to Federal Regulation D transaction limitations. This is a regulation for all financial institutions imposed by the federal government; it is not simply a rule at NRFCU. This means that you are limited to a maximum of six of the following transactions per month from the same account:

• Transfers, withdrawals, or payments to third parties over the phone with a Financial Service Representative
• Transfers, withdrawals, or payments to third parties using Call Connection
• Transfers, withdrawals, or payments to third parties using Online Banking
• Transfers, withdrawals, or payments to third parties initiated through email or fax
• Overdraft transfers
• Preauthorized transfers and payments including ACH debits

Be Aware
Once you hit the maximum six transfers in a month from the same savings account, additional transfers from that savings account will not be done. This may result in insufficient fund or overdraft fees, as well as us not paying the check or ACH debit.

The Good News
There are several ways to avoid Regulation D transaction limitations. The following transactions can be performed without any restriction from Regulation D:

• Transactions performed on a checking account
• Transactions performed at an ATM
• Transactions performed in person at a branch (including Shared Branches)
• Transactions performed through the mail
• Transfers to pay loans at NRFCU
• Telephone withdrawals in which a check is mailed directly to you and is payable to you

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