What are the current interest rates at Neches Federal Credit Union?

Current rates for Neches Federal Credit Union include: 12-Month CD: 4.25%, 18-Month CD: 3.65%, 24-Month CD: 3.50%, 60-Month CD: 3.60%

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Neches Federal Credit Union

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Neches Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Neches Federal 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Neches Federal 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 12, 2026

Neches Federal Credit Union's top rates as of October 12, 2026 are 4.65% APY on its 12 Month CD, 10.00% APY on checking, personal loans from 10.25% APR, and credit cards from 10.50% APR, according to rates verified by MonitorBankRates. Other Neches Federal Credit Union CD rates include 6 Month CD at 4.30%, 12 Month CD at 4.25%, and 6 Month CD at 4.09%. MonitorBankRates evaluates the financial stability of Neches Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.97%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Neches Federal Credit Union
Administration Office

676 Magnolia Ave
Port Neches, TX 77651

https://www.nechesfcu.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.

Neches Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	4.55%	4.65%	12 months
Min Balance $100,000 Details Certificate Rates (100,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
6 Month Certificate	4.22%	4.30%	6 months
Min Balance $100,000 Details Certificate Rates (100,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
12 Month Certificate	4.17%	4.25%	12 months
Min Balance $1,000 Details Certificate Rates ($1,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
6 Month Certificate	4.02%	4.09%	6 months
Min Balance $1,000 Details Certificate Rates ($1,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.09% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
18 Month Certificate	3.78%	3.85%	18 months
Min Balance $100,000 Details Certificate Rates (100,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
30 Month Certificate	3.74%	3.80%	30 months
Min Balance $100,000 Details Certificate Rates (100,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
36 Month Certificate	3.74%	3.80%	36 months
Min Balance $100,000 Details Certificate Rates (100,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
48 Month Certificate	3.74%	3.80%	48 months
Min Balance $100,000 Details Certificate Rates (100,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
60 Month Certificate	3.74%	3.80%	60 months
Min Balance $100,000 Details Certificate Rates (100,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
24 Month Certificate	3.69%	3.75%	24 months
Min Balance $100,000 Details Certificate Rates (100,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
18 Month Certificate	3.59%	3.65%	18 months
Min Balance $1,000 Details Certificate Rates ($1,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
48 Month Certificate	3.54%	3.60%	48 months
Min Balance $1,000 Details Certificate Rates ($1,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
60 Month Certificate	3.54%	3.60%	60 months
Min Balance $1,000 Details Certificate Rates ($1,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
24 Month Certificate	3.44%	3.50%	24 months
Min Balance $1,000 Details Certificate Rates ($1,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
30 Month Certificate	3.44%	3.50%	30 months
Min Balance $1,000 Details Certificate Rates ($1,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
36 Month Certificate	3.44%	3.50%	36 months
Min Balance $1,000 Details Certificate Rates ($1,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
3 Month Certificate	2.96%	3.00%	3 months
Min Balance $1,000 Details Certificate Rates ($1,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
3 Month Certificate	2.96%	3.00%	3 months
Min Balance $100,000 Details Certificate Rates (100,000 minimum balance) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Neches Federal Credit Union Checking Rates

Product	Rate	APY
nPower Checking	9.57%	10.00%
Min Balance $50 Details Published APY range: 9.57%-10.00%. Balance: $50.00 - $500.00; Ages 8-17 only; Earn interest up to 10.00% APY on the first $500 in the account; APY varies by balance within this tier; minimum ADB of $50.00 required to obtain the disclosed APY; One nPower Checking Account per minor member Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
nPower Youth Checking	9.57%	10.00%
Min Balance $50 Details Balance: $50.00 - $500.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Member Plus High-Yield Checking	-	6.00%
Min Balance $0 Details Qualifications Required; Balance: up to $25,000.00 earns 5.84%-6.00% APY; Balances over $25,000.00 earn 0.10% APY; Feature card shows 6.00% APY and rate table shows 8.00% APY; No Monthly Fees; Instant Issue Debit Card; Debit Card Available; Rewards Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 6.00% → 6.00% ▼ 0.00 pts · high 8.00% / low 6.00% Oct 8, 20266.00%▼ from 8.00% Oct 4, 20268.00%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
nPower Youth Checking	0.10%	0.10%
Min Balance $500 Details Balance: $500.01 and Up Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 10.00% → 0.10% ▼ 9.90 pts · high 10.00% / low 0.10% Oct 12, 20260.10%▼ from 10.00% Sep 14, 202610.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Neches Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.75%	up 240 months
Details As Low As; Up to 80% LTV. Add .50% for second lien position. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity Home Improvement Loan	-	-	6.25%	Up to 60 months
Details As Low As; Up to 90% LTV Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity Home Improvement Loan	-	-	6.50%	Up to 144 months
Details As Low As; Up to 90% LTV Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Neches Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto Loan	-	-	3.75%	Up to 36 months
Details As Low As; Model Year: All model years; Vehicles with less than 20k miles Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loan	-	-	4.00%	Up to 48 months
Details As Low As; Model Year: All model years; Vehicles with less than 20k miles Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loan	-	-	4.25%	Up to 60 months
Details As Low As; Model Year: 2020 & newer; Vehicles with less than 20k miles Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loan	-	-	4.75%	Up to 72 months
Details As Low As; Model Year: 2022 & newer; Vehicles with less than 20k miles Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loan	-	-	5.00%	Up to 78 months
Details As Low As; Model Year: 2024 & newer; Vehicles with less than 20k miles Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loan	-	-	5.50%	Up to 84 months
Details As Low As; Model Year: 2025 & newer; Vehicles with less than 20k miles Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Neches Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Boat Loan	-	3.75%	36 months
Details As Low As; Minimum Finance Amount: $40,000 or $50,000 (per footnotes) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Motorcycles/ATVs Loan	-	3.75%	36 months
Details As Low As; Motorcycles/ATVs loan Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New Motorhomes/Travel Trailer Loan - 36 months	-	3.75%	36 months
Details As Low As; APR= Annual Percentage Rate; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Motorhome/Travel Trailer Loan	-	3.75%	36 months
Details As Low As; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Boat Loan	-	4.00%	48 months
Details As Low As; Minimum Finance Amount: $40,000 or $50,000 (per footnotes) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Motorcycles/ATVs Loan	-	4.00%	48 months
Details As Low As; Motorcycles/ATVs loan Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New Motorhomes/Travel Trailer Loan - 48 months	-	4.00%	48 months
Details As Low As; APR= Annual Percentage Rate; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Motorhome/Travel Trailer Loan	-	4.00%	48 months
Details As Low As; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Boat Loan	-	4.25%	60 months
Details As Low As; Minimum Finance Amount: $40,000 or $50,000 (per footnotes) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Motorcycles/ATVs Loan	-	4.25%	60 months
Details As Low As; Motorcycles/ATVs loan Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New Motorhomes/Travel Trailer Loan - 60 months	-	4.25%	60 months
Details As Low As; APR= Annual Percentage Rate; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Motorhome/Travel Trailer Loan	-	4.25%	60 months
Details As Low As; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Boat Loan	-	4.75%	72 months
Details As Low As; Minimum Finance Amount: $40,000 or $50,000 (per footnotes) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Motorcycles/ATVs Loan	-	4.75%	72 months
Details As Low As; Motorcycles/ATVs loan Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New Motorhomes/Travel Trailer Loan - 72 months	-	4.75%	72 months
Details As Low As; APR= Annual Percentage Rate; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Motorhome/Travel Trailer Loan	-	4.75%	72 months
Details As Low As; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Boat Loan	-	5.50%	84 months
Details As Low As; Minimum Finance Amount: $40,000 or $50,000 (per footnotes) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New Motorhomes/Travel Trailer Loan - 84 months	-	5.50%	84 months
Details As Low As; APR= Annual Percentage Rate; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Motorhome/Travel Trailer Loan	-	5.50%	84 months
Details As Low As; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Boat Loan	-	6.50%	120 months
Details As Low As; Minimum Finance Amount: $40,000 or $50,000 (per footnotes) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New Motorhomes/Travel Trailer Loan - Up to 120 months	-	6.50%	Up to 120 months
Details As Low As; APR= Annual Percentage Rate; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Motorhome/Travel Trailer Loan	-	6.50%	Up to 120 months
Details As Low As; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Boat Loan	-	6.75%	144 months
Details As Low As; Minimum Finance Amount: $40,000 or $50,000 (per footnotes) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New Motorhomes/Travel Trailer Loan - Up to 144 months	-	6.75%	Up to 144 months
Details As Low As; APR= Annual Percentage Rate; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Motorhome/Travel Trailer Loan	-	6.75%	Up to 144 months
Details As Low As; Minimum Finance Amount: $30,000; Minimum Finance Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Boat Loan	-	7.00%	180 months
Details As Low As; Minimum Finance Amount: $40,000 or $50,000 (per footnotes) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Neches Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Business	-	10.50%
Details As Low As; See Credit Card Addendum Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Neches Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	10.25%	Up to 60 months
Details As Low As; APR= Annual Percentage Rate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Signature Loan	10.75%	Up to 72 months
Details As Low As; APR= Annual Percentage Rate; Minimum Finance Amount: $15,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Signature Loan	11.25%	Up to 84 months
Details As Low As; APR= Annual Percentage Rate; Minimum Finance Amount: $25,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Neches Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
All Other Collateral Loan	-	-	5.25%	Up to 36 months
Details As Low As; APR= Annual Percentage Rate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Interim Construction Loan	-	-	6.25%	up to 12 months
Details As Low As; Interim Construction Loan Rates Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Tractor Loan	-	-	5.25%	Up to 36 months
Details As Low As; APR= Annual Percentage Rate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Tractor Loan	-	-	5.50%	Up to 60 months
Details As Low As; APR= Annual Percentage Rate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Unimproved Property Loan	-	-	6.00%	up to 120 months
Details As Low As; Unimproved Property Loan Rates Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Unimproved Property Loan	-	-	6.00%	up to 180 months
Details As Low As; Unimproved Property Loan Rates Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Debit Card with Rewards	-	-	0.10%
Min Balance $0 Details Rewards with everyday purchases; No Monthly Fees; Instant Issue Debit Card; Debit Card Available Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
nPower Youth Checking	-	-	0.10%
Min Balance $500 Details Balance: $500.01 and Up; APR 0.10%; Source lists this tier under Checking Account Rates Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 10.00% → 0.10% ▼ 9.90 pts · high 10.00% / low 0.10% Oct 12, 20260.10%▼ from 10.00% Sep 14, 202610.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Share Draft Member+	5.84%	-	6.00%
Min Balance $0 Details Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

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.
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Financial Health History

Neches Federal Credit Union’s Texas Ratio stayed near 1.42% in Q3 2023 to 0.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$1.2B	0.97%	5.0	A+
March 31, 2026	$1.2B	0.95%	5.0	A+
December 31, 2025	$1.1B	1.21%	5.0	A+
September 30, 2025	$1.1B	1.42%	5.0	A+
June 30, 2025	$1.1B	1.72%	5.0	A+
March 31, 2025	$1.0B	1.51%	5.0	A+
December 31, 2024	$994M	1.52%	5.0	A+
September 30, 2024	$983M	1.66%	5.0	A+
June 30, 2024	$955M	2.33%	5.0	A+
March 31, 2024	$951M	1.68%	5.0	A+
December 31, 2023	$932M	1.96%	5.0	A+
September 30, 2023	$919M	1.42%	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 Neches Federal 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 Neches Federal 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 Neches Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Neches Federal Credit Union

Website https://www.nechesfcu.org

Address 676 Magnolia Ave, Port Neches, TX 77651

Phone 409-722-1174

Fax 409-721-9838

President Wesley Spivey

CEO Jason Landry

Full-Time Employees 228

Part-Time Employees 13

Branch Locations 11

ATM Locations 17

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.97%

Return on Assets (ROA)

1.0679%

Return on Equity (ROE)

7.2861%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

1,229,440,509

Total Amount of Shares and Deposits

1,044,128,843

Total Shares and Deposits < 1 Year

1,008,692,345

Total Shares and Deposits 1 3 Years

27,604,940

Total Shares and Deposits > 3 Years

7,831,558

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

112,093,398

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

112,093,398

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

932,035,445

Total Interest Expense (Sum of items 6 8)

10,020,347

Share Certificates

5,901

Number of Accounts for Share Drafts

56,966

IRA KEOGH Accounts

1,188

Number of Accounts for Regular Shares

92,993

Money Market Shares

3,925

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)

64,698,522

Total Liabilities

1,049,241,420

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Neches Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Neches Federal Credit Union

How many branches does Neches Federal Credit Union operate?

Neches Federal 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 Neches Federal Credit Union?

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

Does Neches Federal Credit Union offer online and mobile banking?

Most modern institutions like Neches Federal 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.nechesfcu.org.