MonitorBankRates
  1. Home
  2. Credit Unions
  3. Nebo Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Nebo Credit Union Rates & Review August 2026

Nebo Credit Union's 24 month CD (CD) rates are at 4.10%, 18 month CD (CD) rates are at 4.00%, 36 month CD (CD) rates are at 4.00%, 48 month CD (CD) rates are at 4.00%, 60 month CD (CD) rates are at 4.00%. Nebo Credit Union's savings rates are at 0.05%. Nebo Credit Union's money market rates are at 0.05%. Nebo Credit Union's Short & Sweet Mortgage (short-term mortgages at a sweet rate) - First Tier rates are at 6.38%, Short & Sweet Mortgage (short-term mortgages at a sweet rate) - First Tier rates are at 6.62%. MonitorBankRates evaluates the financial stability of Nebo Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.93%. Rates last updated and verified on 08/28/2026.

Nebo Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Nebo Credit Union? Share your experience about Nebo Credit Union by leaving a review below, or read customer reviews before you decide to use Nebo Credit Union.

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.93%
Excellent Lower than avg
Nebo Credit Union
Corporate Office
730 E 300 S
Springville, UT 84663
https://www.nebocreditunion.org
Member NCUA

Nebo Credit Union CD Rates

Product Rate APY Term View More
24 month Certificate (CD) 4.03% 4.10% 24 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
18 month Certificate (CD) 3.93% 4.00% 18 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
36 month Certificate (CD) 3.93% 4.00% 36 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
48 month Certificate (CD) 3.93% 4.00% 48 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
60 month Certificate (CD) 3.93% 4.00% 60 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
12 month Certificate (CD) 3.88% 3.95% 12 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
6 month Certificate (CD) 3.83% 3.90% 6 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%

Nebo Credit Union Savings Rates

Product Rate APY View More
Dream Round Up Savings 9.57% 10.00%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Regular Share Savings 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Regular Share Savings 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%

Nebo Credit Union Money Market Rates

Product Rate APY View More
Business Sweep Money Market 3.93% 4.00%
Min Balance $1,000,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Money Market 3.69% 3.75%
Min Balance $1,000,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Money Market 3.64% 3.70%
Min Balance $1,000,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Sweep Money Market 3.49% 3.55%
Min Balance $250,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Growth Money Market 3.45% 3.50%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Money Market 3.30% 3.35%
Min Balance $250,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Money Market 3.25% 3.30%
Min Balance $250,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Sweep Money Market 2.72% 2.75%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Money Market 2.52% 2.55%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Money Market 2.47% 2.50%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Growth Money Market 1.98% 2.38%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Sweep Money Market 2.23% 2.25%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Money Market 1.98% 2.00%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Money Market 1.98% 2.00%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Growth Money Market 1.49% 1.85%
Min Balance $20,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Money Market 1.54% 1.55%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Money Market 1.00% 1.00%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Money Market 0.90% 0.90%
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Sweep Money Market 0.70% 0.70%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Growth Money Market 0.50% 0.50%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Money Market 0.45% 0.45%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Money Market 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%

Nebo Credit Union Checking Rates

Product Rate APY View More
Business Choice Interest Checking 0.20% 0.20%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Choice Interest Checking 0.15% 0.15%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Basic Checking 0.10% 0.10%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Choice Interest Checking 0.10% 0.10%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Dream Rewards Checking 0.10% 0.10%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Fresh Start Checking 0.10% 0.10%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Basic Checking 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Dream Rewards Checking 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Fresh Start Checking 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Essential Checking 0.00% 0.00%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Non Profit Checking 0.00% 0.00%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%

Nebo Credit Union Mortgage Rates

Product Rate Points APR Term View More
Short & Sweet Mortgage (short-term mortgages at a sweet rate) - First Tier 6.38% - 6.38% 10 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Short & Sweet Mortgage (short-term mortgages at a sweet rate) - First Tier 6.63% - 6.63% 15 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%

Nebo Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 4.99%
Details introductory rate available only on a new home equity line of credit (HELOC) with automatic payments from a Cyprus Checking account. Introductory rate available for the first six (6) months after opening.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Home Equity Line of Credit - - 6.75%
Details HELOC Default Rate; rate is based on the wall street Journal prime lending rate on the last day of each month. Maximum interest rate over the life of the loan is 18%. Minimum interest rate over the life of the loan is 4%.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%

Nebo Credit Union Credit Card Rates

Product Rate APR View More
Low-Rate Visa - 10.49%
Details 0% APR for the first 6 months on purchases and balance transfers with a new Low-Rate card. Existing Cyprus/Nebo Credit Union credit card accounts are not eligible.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Variable Rate Low-Rate Visa Credit Card - 10.49%
Details No Annual Fee; see terms
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Visa Low-Rate Visa Credit Card - 10.49%
Details Card Type Variable Rate Low-Rate Visa Credit Card; Annual Fee No Annual Fee ( see terms )
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Visa Platinum Rewards - 12.99%
Details Variable Rate Visa Business Rewards Credit Card. Annual Fee No Annual Fee ( see terms ). Regular APR: 19.99% - 29.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Business Visa Platinum Rewards Credit Card - 12.99%
Details No Annual Fee (see terms)
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Rewards Visa - 12.99%
Details Earn one point for every dollar you spend. Redeem for gift cards, travel, merchandise & more. Special Offer: 10,000 bonus points with new card when you spend $1,000 in the first 90 days
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Variable Rate Rewards Visa Credit Card - 12.99%
Details No Annual Fee; see terms
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Visa Rewards Visa Credit Card - 12.99%
Details Card Type Variable Rate Rewards Visa Credit Card; Annual Fee No Annual Fee ( see terms )
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Cash Back Visa - 15.99%
Details 1.5% cash back on all purchases. Paid quarterly and automatically deposited to your savings account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Variable Rate Cash Back Visa Credit Card - 15.99%
Details No Annual Fee; see terms
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%
Visa Cash Back Visa Credit Card - 15.99%
Details Card Type Variable Rate Cash Back Visa Credit Card; Annual Fee No Annual Fee ( see terms )
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.93%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Nebo Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Nebo Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Nebo Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Nebo Credit Union
Address 730 E 300 S, Springville, UT 84663
Phone 801-491-3691
Fax 801-491-3693
President MARK CHRISTENSEN
CEO Dale Phelps
Full-Time Employees 32
Part-Time Employees 8
Branch Locations 3
ATM Locations 2
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.93%
Return on Assets (ROA)
0.3129%
Return on Equity (ROE)
1.8703%
Non-Performing Loans Ratio (NPL)
0.94%
Total Assets
144,883,462
Total Amount of Shares and Deposits
120,884,689
Total Shares and Deposits < 1 Year
114,265,379
Total Shares and Deposits 1 3 Years
4,013,673
Total Shares and Deposits > 3 Years
2,605,637
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,025,809
Total Uninsured Shares and Deposits > $250K (F+J)
4,025,809
Total Insured Shares and Deposits > $250K (item 17 less item K)
116,858,880
Total Interest Expense (Sum of items 6 8)
1,414,533
Share Certificates
1,312
Number of Accounts for Share Drafts
6,851
IRA KEOGH Accounts
329
Number of Accounts for Regular Shares
12,973
All other shares
3,406
Money Market Shares
132
Net Income (unless the amount is already included in Undivided Earnings)
453,287
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,694,793
Total Liabilities
121,376,349
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Strong Badge 2026
2026 MBR Health & Safety Badge

Nebo Credit Union earned the Verified Strong badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/credit-unions/nebo-credit-union-rates-review-67146">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-b-2026.svg"
       alt="MonitorBankRates Verified Strong Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Nebo Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Nebo Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Nebo Credit Union

How many branches does Nebo Credit Union operate?

Nebo Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Nebo Credit Union?

Yes, to access services at Nebo Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Nebo Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Nebo Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Nebo Credit Union offer online and mobile banking?

Most modern institutions like Nebo Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nebocreditunion.org.

Current Nebo Credit Union Rates

  • 12-Month CD3.95%
  • 18-Month CD4.00%
  • 24-Month CD4.10%
  • 60-Month CD4.00%
  • Savings0.05%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.