Checking

Our unique checking product line-up offers you access, protection and tons of ways to save!  The account you choose determines the benefits you receive!  Stop paying elsewhere for benefits you could be getting from your trusted partner Noble!

To open a new checking account with all the "Noble Perks" that can save you money, call us today at 559-252-5000 or click the "Appointments" button at the top of the page to schedule an in-branch appointment.   

If you are a current member and want to add on or switch your current checking to a checking account with perks you can't get anywhere else, make the switch inside of online banking.

Thank you for your service! We appreciate all you do for our community and country. As our way of saying “thank you,” all active military and veterans will receive the Noble Perks Checking Account monthly subscription fee waived for LIFE. This applies to new and current Noble Perks Checking account holders (proof of active military service or veteran required). Your Noble family thanks you for your service! 

             

To open a new checking account with all the "Noble Perks" that can save you  money, call us today at 559-252-5000 or click the "Appointments" button at the top of the page to schedule an in-branch appointment.  

If you are a current member and want to add on or switch our current checking to a checking account with perks you can't get anywhere else, make the switch inside of online banking.  

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Savings

NEW Share Certificate

Starting May 1, open a 7-month share certificate at 5.24% APY*  with just a $500 minimum. You won't find a higher rate anywhere else, so don't wait! This rate is subject to change at any time. There are several ways to open:

• Apply now in Online or Mobile Banking
• Over the phone (only for existing members with sufficient funds in a Noble account)
• Make an appointment to visit any branch location and open

*APY is Annual Percentage Yield. Certificate rates are fixed for the term selected unless otherwise indicated. The minimum balance required to obtain the advertised rate is $500. If the funds used to open the advertised Share Certificate are from another Noble Credit Union Share Certificate that is not at maturity, a penalty will be imposed for withdrawing funds prior to maturity.Membership eligibility required. A Savings account with a minimum deposit of $5 is required. We offer share certificates with annual percentage yields that depend on the maturity you choose.

Rates are accurate as of May 1, 2024. A penalty will be imposed for withdrawals before maturity. Total deposits per member are limited to a maximum of $2,000,000. At maturity, your account will automatically renew into a 6-Month Share Certificate at the prevailing rate.

Regular Savings

A Regular Savings account establishes your membership with Noble Credit Union. This account unlocks all the benefits of being a member. There are no monthly service fees, and this account earns dividends – helping your hard-earned money go further. 

Secondary Savings Accounts - Sub Account

Want to start saving for the holidays or a special occasion? Or are you hoping to set funds aside in case of an emergency? Open this account, name it anything you want and start saving towards a goal!

Share Certificate

If you're looking for a safe way to watch your money grow, a Noble Credit Union Share Certificate is a great option.  This account gives you the best of both worlds - competitive rates and peace of mind!

• Invest as little as $500.00
• Flexible terms between 3 and 36 months
• Consistently high rates
• Federal deposit insurance with the National Credit Union Administration

Three Wishes Share Certificate

If you’re in need of a little more flexibility, the Three Wishes Share Certificate is what you’re looking for. With this account, you can:

• Bump up your interest rate one time, up to an additional 1% over the initial rate, to the current rate.
• Make an additional deposit up to the amount of the initial deposit and earn interest on your new balance for the remainder of the term.
• Make a one-time withdrawal of up to 25% of the principal amount without incurring an early withdrawal penalty. (Balance may not fall below the minimum balance requirement stated on the rate schedule.)

Health Savings Account

If you are covered by a high-deductible health plan, you may be able to contribute annually to an HSA – a flexible savings account that allows you to put money aside for medical expenses. Your account will follow you no matter where you are employed, and your employer may even be able to make contributions on your behalf. 

In addition to earning a higher rate of interest than a Regular Savings Account, an HSA can provide tax benefits:

• Individual contributions may be tax deductible; employer contributions are tax free.
• Distributions for qualified medical expenses are tax-free and penalty-free at any age.

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Youth Accounts

Establishing good savings habits early on can set your child up for financial success. Noble Credit Union has youth savings accounts specially designed for children and young adults.

Star Savers

Open to all members’ children and grandchildren under the age of 18, this account earns dividends on amounts as little as the $5 initial deposit! Featuring no monthly service charge, this account is a great way to start teaching kids about saving. 

Children must have a Social Security number and be able to sign their name, if unable to sign, a Uniform for Minor’s account may be established. 

To teach your child the importance of saving money, let them take the online Banzai Junior course from Noble CU.

EverGreen Teen Savings Account

Made for teens ages 13 – 17, EverGreen accounts have the exact same benefits as adult accounts, including access to online and mobile banking, direct deposit, a Visa® debit card and more! Parents will have access to their teen’s account while encouraging them to make smart, independent financial decisions. 

Teach your teen important personal finance principals by having them take the online Banzai Teen course from Noble CU.

*Membership eligibility required, as well as a valid California ID, Student ID with photo or other federally issued photo ID (a Social Security card may be requested). Parent or legal guardian must be a joint owner on the account. 
 

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Money Market Accounts

Access your funds and earn a premium interest rate with a Noble Credit Union Money Market account. It’s the best way to keep your money safe, liquid and flexible – all without a service fee.

Money Market Advantage

Our Money Market Advantage delivers an adjustable variable rate, earning you more when rates rise.

• Open and maintain your account with $2,500 or more
• No monthly service charge
• Dividends are calculated on the Average Daily Balance and paid monthly
• Tiered interest rate adjusts automatically to your balance
• Make unlimited deposits
• Make a total of six withdrawals or transfers (three may be by draft) during each statement cycle

Loyalty Money Market

Members who have been with the Credit Union for 20 or more years can enjoy all the benefits of a Money Market Advantage, but with an additional bonus: a higher rate.

Reverse Money Market

You work hard for your money - so put your money to work for you and enjoy flexible access to your funds where you can still make withdrawals without penalty.^** Check it out yourself:

Calculate your blended APY on any deposit amount below: Reverse Money Market Calculator

Calculator is for demonstration purposes only and is not a guarantee of return. Calculator is based on original deposit being in the account for one year and is calculated based on annual compounding interest; the Reverse Money Market is compounded monthly.

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Retirement Accounts

Individual Retirement Accounts

With an Individual Retirement Account (IRA), you can start saving today to create a fantastic future for you and your loved ones. At Noble Credit Union, we offer numerous IRA options to best suit your needs.

 

Traditional IRA

The Traditional IRA account offers tax-deferred earnings and the possibility for tax-deductible contributions. You may defer taxes and withdraw funds in a year, when you may be in a lower tax bracket, which can mean more after-tax dollars for your retirement.

Roth IRA

Roth IRA contributions are nondeductible and taxed in the year they are earned. If you expect to be in a higher or equivalent tax bracket when you retire, you may benefit more from a Roth IRA. Contributions made to a Roth IRA are not tax deductible, but the funds in your Roth IRA plus earnings can be withdrawn tax free, though you must conform to the plan provisions to get the tax-free advantage. You're not required to begin taking distributions at age 72.

Educational IRA

The Educational IRA account can be established to help pay for your child's higher education expense. Though contributions are not deductible, distributions from an Educational IRA are penalty free and tax free if used for qualified higher education expenses.

IRA Roll-Over or Transfer

Move your retirement savings without losing tax benefits.  Learn about this by clicking here.

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Investment Services

Your financial goals are important to us. That's why we have contracted with CUSO Financial Services, LP* (CFS). CFS was formed for the express purpose of serving credit union members' investment needs. Established in 1996, with branch offices located nationwide and over 400 licensed representatives, CFS is a full-service investment firm.