What are the current interest rates at Neighbors Credit Union?

Current rates for Neighbors Credit Union include: 12-Month CD: 0.30%, 18-Month CD: 3.00%, 24-Month CD: 3.00%, 60-Month CD: 2.75%, Savings: 10.00%, MMA: 3.35%

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Neighbors Credit Union

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Neighbors Credit Union Rates & Review October 2026

Q: How many branches does Neighbors Credit Union operate?

Neighbors 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.

Q: Is a member application needed to join Neighbors Credit Union?

Yes, to access services at Neighbors 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.

Q: Is there a first-time homebuyer program?

Currently, Neighbors 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Neighbors Credit Union's top rates as of October 13, 2026 are 4.15% APY on its CDs of Deposit (CD) - 13 Month - Special, 10.00% APY on savings, 3.35% APY on money market accounts, 0.30% APY on checking, 6.38% on its 15 Year Fixed Mortgage, personal loans from 10.49% APR, and credit cards from 11.95% APR, according to rates verified by MonitorBankRates. Other Neighbors Credit Union CD rates include CDs of Deposit (CD) - 15 Month - Special at 4.15%, CDs of Deposit (CD) - 7 Month - Special at 4.15%, and CDs of Deposit (CD) - 9 Month - Special at 4.15%. Other Neighbors Credit Union mortgage rates include 15 Year Fixed Mortgage at 6.88%, Jumbo - 30 Year Fixed Mortgage at 6.88%, and 20 Year Fixed Mortgage at 6.75%. MonitorBankRates evaluates the financial stability of Neighbors Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.12%. Rates last updated and verified on 10/13/2026.

Neighbors 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 Neighbors Credit Union? Share your experience about Neighbors Credit Union by leaving a review below, or read customer reviews before you decide to use Neighbors Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.12%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Neighbors Credit Union
Neighbors Credit Union

6300 S Lindbergh Blvd
Saint Louis, MO 63123-7804

https://www.neighborscu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Neighbors Credit Union CD Rates

Product	Rate	APY	Term
Certificates of Deposit (CD) - 13 Month - Special	-	4.15%	13 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90% Sep 29, 20264.15%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Certificates of Deposit (CD) - 15 Month - Special	-	4.15%	15 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90% Sep 29, 20264.15%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Certificates of Deposit (CD) - 7 Month - Special	-	4.15%	7 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90% Sep 29, 20264.15%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Certificates of Deposit (CD) - 9 Month - Special	-	4.15%	9 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90% Sep 29, 20264.15%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Certificates of Deposit (CD) - 12 Month	-	3.60%	12 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Certificates of Deposit (CD) - 6 Month	-	3.50%	6 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Sep 29, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Certificates of Deposit (CD) - 18 Month	-	3.00%	18 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Certificates of Deposit (CD) - 24 Month	-	3.00%	24 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Certificates of Deposit (CD) - 36 Month	-	3.00%	36 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Certificates of Deposit (CD) - 48 Month	-	2.75%	48 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Certificates of Deposit (CD) - 60 Month	-	2.75%	60 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Certificates of Deposit (CD) - 12 Month Investment Builder	-	0.30%	12 Month
Min Deposit $100 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Neighbors Credit Union Savings Rates

Product	Rate	APY
SMART Savings	-	10.00%
Min Balance $1 Details Balance: $1 - $1,000; Qualifying balance up to $1,000.00 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 10.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Holiday Savings	-	0.15%
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Additional Savings	-	0.05%
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Regular Share Savings	-	0.05%
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Neighbors Credit Union Money Market Rates

Product	Rate	APY
Express Money Market - New Deposits Only	-	3.35%
Min Balance $25,000 Details Balance: $25,000 +; New deposits only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Premier Relationship Money Market	-	3.35%
Min Balance $10,000 Details Balance: $10,000 + Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Premier Relationship Money Market	-	3.25%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 or greater; 0.00% APY on balances of $9,999.99 or less; Qualifying loan relationship required (commercial, mortgage or home equity loan of $100,000 or greater, or HELOC with $100,000 or greater credit line); APY effective as of 1/1/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25% Oct 9, 20263.25%▼ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Money Market	-	2.25%
Min Balance $150,000 Details Balance: $150,000 + Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Money Market	-	2.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Money Market	-	2.00%
Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Money Market	-	2.00%
Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Money Market	-	2.00%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Money Market	-	0.80%
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Money Market	-	0.80%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
IRA Money Market	-	0.35%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
IRA Money Market	-	0.25%
Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
IRA Money Market	-	0.20%
Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
IRA Money Market	-	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
IRA Money Market	-	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
IRA Money Market	-	0.10%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Neighbors Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	2.25%
Min Balance $150,000 Details Balance: $150,000 + Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Business Money Market	-	2.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Business Money Market	-	2.00%
Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Business Money Market	-	2.00%
Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Business Money Market	-	2.00%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Business Money Market	-	0.80%
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Business Money Market	-	0.80%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Neighbors Credit Union Checking Rates

Product	Rate	APY
Interest Checking	-	0.30%
Min Balance $2,500 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Benefits Checking	-	0.15%
Min Balance $0 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Neighbors Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Mortgage	6.375%	1.25	6.709%	15 years
Details Mortgage loan; Interest Rate 6.375%, APR 6.709%, 1.25 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.71% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
15 Year Fixed Mortgage	6.875%	0	7.009%	15 years
Details Mortgage loan; Interest Rate 6.875%, APR 7.009%, 0 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.01% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Jumbo - 30 Year Fixed Mortgage	6.875%	1.25	7.016%	30 years
Details Jumbo mortgage loan; Interest Rate 6.875%, APR 7.016%, 1.25 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.02% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
20 Year Fixed Mortgage	6.75%	1.25	7.021%	20 years
Details Mortgage loan; Interest Rate 6.750%, APR 7.021%, 1.25 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.02% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
30 Year Fixed Mortgage	6.875%	1.25	7.083%	30 years
Details Mortgage loan; Interest Rate 6.875%, APR 7.083%, 1.25 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.08% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
20 Year Fixed Mortgage	7.25%	0	7.359%	20 years
Details Mortgage loan; Interest Rate 7.250%, APR 7.359%, 0 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.36% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Jumbo - 30 Year Fixed Mortgage	7.375%	0	7.392%	30 years
Details Jumbo mortgage loan; Interest Rate 7.375%, APR 7.392%, 0 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
30 Year Fixed Mortgage	7.375%	0	7.46%	30 years
Details Mortgage loan; Interest Rate 7.375%, APR 7.460%, 0 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.46% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
30 Year VA Mortgage	7.375%	0	7.533%	30 years
Details VA mortgage loan; Interest Rate 7.375%, APR 7.533%, 0 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.53% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
30 Year FHA Mortgage	7.25%	0	7.971%	30 years
Details FHA mortgage loan; Interest Rate 7.250%, APR 7.971%, 0 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.97% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Neighbors Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Home Equity	-	-	6.49%	Up to 60 Months
Details 80% CLTV; Max Loan to Value (LTV) is 90%; Call 314-892-5400 for additional rates Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Sep 22, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
HELOC - 1 year intro	-	-	6.75%
Details 90% CLTV; Max Loan to Value (LTV) is 90%; Call 314-892-5400 for additional rates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Fixed Home Equity	-	-	6.99%	Up to 120 Months
Details 80% CLTV; Max Loan to Value (LTV) is 90%; Call 314-892-5400 for additional rates Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Sep 22, 20266.99%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Fixed Home Equity	-	-	7.49%	Up to 180 Months
Details 80% CLTV; Max Loan to Value (LTV) is 90%; Call 314-892-5400 for additional rates Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Sep 22, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Fixed Home Equity	-	-	7.99%	Up to 240 Months
Details 80% CLTV; Max Loan to Value (LTV) is 90%; Call 314-892-5400 for additional rates Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Sep 22, 20267.99%▲ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Neighbors Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans - 2016 or newer	-	6.99%	up to 60 months
Details Model Year: 2016 or newer Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Boat Loans	-	9.49%	up to 60 months
Details Loan amount: $2,500 -$9,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
RV Loans	-	9.49%	up to 60 months
Details Loan amount: $2,500 -$9,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Boat Loans	-	10.49%	up to 120 months
Details Loan amount: $10,000 - $14,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
RV Loans	-	10.49%	up to 120 months
Details Loan amount: $10,000 - $14,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Boat Loans	-	11.49%	up to 144 months
Details Loan amount: $15,000 - $24,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
RV Loans	-	11.49%	up to 144 months
Details Loan amount: $15,000 - $24,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Boat Loans	-	12.99%	up to 180 months
Details Loan amount: $25,000 + Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
RV Loans	-	12.99%	up to 180 months
Details Loan amount: $25,000 + Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Neighbors Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	11.95%
Details 25 day grace period Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.95% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Visa Platinum Rewards (Variable Rate)	-	13.70%
Details 25 day grace period Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.70% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Neighbors Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.49%	Up To 48 Months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Personal Loan	11.49%	Up To 60 Months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Personal Loan	12.49%	Up to 72 Months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Neighbors Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit Loan	-	-	12.99%	Open End
Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
Visa-Secured Savings	0.05%	-	0.05%
Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Neighbors Credit Union’s Texas Ratio fell from 8.49% in Q3 2023 to 7.12% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$573M	7.12%	5.0	A
March 31, 2026	$572M	6.95%	5.0	A
December 31, 2025	$561M	7.45%	5.0	A
September 30, 2025	$566M	8.10%	5.0	A
June 30, 2025	$554M	8.31%	5.0	A
March 31, 2025	$544M	10.29%	5.0	A
December 31, 2024	$533M	11.50%	5.0	A
September 30, 2024	$521M	10.84%	5.0	A
June 30, 2024	$518M	10.39%	5.0	A
March 31, 2024	$515M	7.44%	5.0	A
December 31, 2023	$491M	7.54%	5.0	A
September 30, 2023	$492M	8.49%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Neighbors 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 Neighbors 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 Neighbors Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Neighbors Credit Union

Website https://www.neighborscu.org

Address 6300 S Lindbergh Blvd, Saint Louis, MO 63123-7804

Phone 314-892-5400

Fax 314-892-9876

President James Hobbs

CEO Jason Heath

Full-Time Employees 122

Part-Time Employees 3

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.12%

Return on Assets (ROA)

0.3619%

Return on Equity (ROE)

3.0050%

Non-Performing Loans Ratio (NPL)

1.22%

Total Assets

573,316,381

Total Amount of Shares and Deposits

503,296,738

Total Shares and Deposits < 1 Year

491,758,492

Total Shares and Deposits 1 3 Years

8,368,461

Total Shares and Deposits > 3 Years

3,169,785

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

35,412,321

Total Uninsured Shares and Deposits > $250K (F+J)

35,412,321

Total Insured Shares and Deposits > $250K (item 17 less item K)

467,884,417

Total Interest Expense (Sum of items 6 8)

4,301,008

Share Certificates

5,597

Number of Accounts for Share Drafts

33,599

IRA KEOGH Accounts

621

Number of Accounts for Regular Shares

55,796

All other shares

1,045

Money Market Shares

1,448

Net Income (unless the amount is already included in Undivided Earnings)

2,075,103

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)

39,985,922

Total Liabilities

508,019,788

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Neighbors Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Neighbors Credit Union

How many branches does Neighbors Credit Union operate?

Neighbors 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 Neighbors Credit Union?

Yes, to access services at Neighbors 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, Neighbors 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, Neighbors Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Neighbors Credit Union offer online and mobile banking?

Most modern institutions like Neighbors 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.neighborscu.org.

Current Neighbors Credit Union Rates

12-Month CD0.30%
18-Month CD3.00%
24-Month CD3.00%
60-Month CD2.75%
Savings10.00%
MMA3.35%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Neighbors Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Neighbors Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Neighbors Credit Union

How many branches does Neighbors Credit Union operate?

Is a member application needed to join Neighbors Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Neighbors Credit Union offer online and mobile banking?

Current Neighbors Credit Union Rates

Compare to Other Credit Unions