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Neighborhood Community Federal Credit Union Rates & Review September 2026

Neighborhood Community Federal Credit Union's 12 Month IRA & Roth IRA CDs rates are at 2.26%, 12 Month CDs rates are at 2.26%, 24 Month IRA & Roth IRA CDs rates are at 2.26%, 24 Month CDs rates are at 2.26%, 36 Month IRA & Roth IRA CDs rates are at 2.26%. Neighborhood Community Federal Credit Union's money market rates are at 0.15%. Neighborhood Community Federal Credit Union's Personal Loan Rates are as low as 9.45%. MonitorBankRates evaluates the financial stability of Neighborhood Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.57%. Rates last updated and verified on 09/21/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 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 ?
0.57%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Neighborhood Community Federal Credit Union
Neighborhood Community Federal Credit Union
4848 S 120th St
Omaha, NE 68137
https://www.neighborhoodcfcu.org
Member NCUA

Neighborhood Community Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month IRA & Roth IRA Certificates 2.25% 2.26% 12 month
Min Deposit $1,000
Details Renewable: Yes; Early Withdrawal Penalties: 30 Days of Interest
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%
12 Month Share Certificates 2.25% 2.26% 12 month
Min Deposit $1,000
Details Renewable: Yes; Early Withdrawal Penalties: 30 Days of Interest
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%
24 Month IRA & Roth IRA Certificates 2.25% 2.26% 24 month
Min Deposit $1,000
Details Renewable: Yes; Early Withdrawal Penalties: 90 Days of Interest
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%
24 Month Share Certificates 2.25% 2.26% 24 month
Min Deposit $1,000
Details Renewable: Yes; Early Withdrawal Penalties: 90 Days of Interest
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%
36 Month IRA & Roth IRA Certificates 2.25% 2.26% 36 month
Min Deposit $1,000
Details Renewable: Yes; Early Withdrawal Penalties: 90 Days of Interest
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%
36 Month Share Certificates 2.25% 2.26% 36 month
Min Deposit $1,000
Details Renewable: Yes; Early Withdrawal Penalties: 90 Days of Interest
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%
6 Month IRA & Roth IRA Certificates 2.25% 2.26% 6 month
Min Deposit $1,000
Details Renewable: Yes; Early Withdrawal Penalties: 30 Days of Interest
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%
6 Month Share Certificates 2.25% 2.26% 6 Month
Min Deposit $1,000
Details Renewable: Yes; Early Withdrawal Penalties: 30 Days of Interest
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%

Neighborhood Community Federal Credit Union Checking Rates

Product Rate APY View More
Money Market Share Draft (Checking) 0.15% 0.15%
Min Deposit $2,500
Min Balance $2,500
Details Dividends Compounded Monthly - Dividends Credited Monthly - Dividend Period Calendar Month - Account Transfer and Withdrawal Limitations apply. $200 Minimum Withdrawal
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%
Share Draft Checking 0.05% 0.05%
Min Deposit $20
Min Balance $100
Details Dividends Compounded Monthly - Dividends Credited Monthly - Dividend Period Calendar Month - No Account Limitations
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%

Neighborhood Community Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
NEW Auto, Motorcycle - - 4.95%
Details Published APR range: 4.95 - 12.45%. Rates subject to change. Call to confirm rates shown.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%
USED Auto, Motorcycle - - 5.95%
Details Published APR range: 5.95% - 12.95%. Rates subject to change. Call to confirm rates shown.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%

Neighborhood Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
USED Boat, Travel Trailer, Camper and RVs Loan - 4.00%
Details Rates subject to change. Call to confirm rates shown.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%
NEW Boat, Travel Trailer, Camper and RVs Loan - 5.95%
Details Published APR range: 5.95 - 16.45%. Rates subject to change. Call to confirm rates shown.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%

Neighborhood Community Federal Credit Union Personal Loan Rates

Product APR Term View More
Line of Credit Unsecured Closed End 9.45%
Details Published APR range: 9.45% - 16.95%. Rates subject to change. Call to confirm rates shown.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.57%

Financial Health History

Neighborhood Community Federal Credit Union’s Texas Ratio rose from 0.00% in Q2 2023 to 0.57% in Q1 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.

0% 1.0★ 0.3% 2.0★ 0.7% 3.0★ 1% 4.0★ 1.3% 5.0★ Healthy zone – entire history below the 15% limit 0.00% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 0.57% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$31M0.57%5.0A+
December 31, 2025$31M0.27%5.0A+
September 30, 2025$31M0.15%5.0A+
June 30, 2025$31M0.68%5.0A+
March 31, 2025$31M0.97%5.0A+
December 31, 2024$31M0.75%5.0A+
September 30, 2024$31M0.08%5.0A+
June 30, 2024$31M0.00%5.0A+
March 31, 2024$30M0.00%5.0A+
December 31, 2023$30M0.00%5.0A+
September 30, 2023$30M0.00%5.0A+
June 30, 2023$31M0.00%5.0A+
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 Neighborhood Community 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 Neighborhood Community 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 Neighborhood Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Neighborhood Community Federal Credit Union
Address 4848 S 120th St, Omaha, NE 68137
Phone 402-895-6880
Fax 402-895-7962
President Katie Wardell
CEO Ruth Gryskiewicz
Full-Time Employees 4
Part-Time Employees 3
Branch Locations 1
ATM Locations 0
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
0.57%
Return on Assets (ROA)
0.3812%
Return on Equity (ROE)
2.8073%
Non-Performing Loans Ratio (NPL)
0.46%
Total Assets
31,441,979
Total Amount of Shares and Deposits
27,048,609
Total Shares and Deposits < 1 Year
26,799,559
Total Shares and Deposits 1 3 Years
249,050
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
303,698
Total Uninsured Shares and Deposits > $250K (F+J)
303,698
Total Insured Shares and Deposits > $250K (item 17 less item K)
26,744,911
Total Interest Expense (Sum of items 6 8)
14,003
Share Certificates
66
Number of Accounts for Share Drafts
1,072
IRA KEOGH Accounts
42
Number of Accounts for Regular Shares
2,014
Money Market Shares
14
Net Income (unless the amount is already included in Undivided Earnings)
119,852
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)
1,780,484
Total Liabilities
27,172,698
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Neighborhood Community Federal Credit Union earned the Verified Healthy 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Neighborhood Community Federal Credit Union

How many branches does Neighborhood Community Federal Credit Union operate?

Neighborhood Community 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 Neighborhood Community Federal Credit Union?

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

Does Neighborhood Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Neighborhood Community 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.neighborhoodcfcu.org.

Current Neighborhood Community Federal Credit Union Rates

  • 12-Month CD2.26%
  • 24-Month CD2.26%
  • MMA0.15%
Retrieved from our database of financial products. Rates subject to change.