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Neighborhood National Bank El Cajon, CA

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Neighborhood National Bank El Cajon, CA Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Neighborhood National Bank El Cajon, CA 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: April 23, 2026

You can compare Neighborhood National Bank El Cajon, CA rates to other rates in our database, including 12-month CD rates currently at 3.00%, 6-month CD rates at 3.14% and 3-month CD rates at 3.25%. Savings rates are at 0.20% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to Neighborhood National Bank El Cajon, CA rates. MonitorBankRates evaluates the financial stability of Neighborhood National Bank El Cajon, CA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.30%. Rates were last updated on 04/23/2026.

Neighborhood National Bank El Cajon, CA 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 National Bank El Cajon, CA? Share your experience about Neighborhood National Bank El Cajon, CA by leaving a review below, or read customer reviews before you decide to use Neighborhood National Bank El Cajon, CA.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.30%

Excellent Higher than avg

Neighborhood National Bank El Cajon, CA

2987 Jamacha Rd
El Cajon, CA 92019

https://www.mynnb.com

Current Rate Availability

We do not have Neighborhood National Bank El Cajon, CA rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Neighborhood National Bank El Cajon, CA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Neighborhood National Bank El Cajon, CA 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 National Bank El Cajon, CA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Neighborhood National Bank El Cajon, CA

Bank Holding Company NEIGHBORHOOD BCORP

Address 2987 Jamacha Rd, El Cajon, CA 92019 · San Diego

Website https://www.mynnb.com

FDIC Certificate # 34548

Established 09/19/1997

FDIC Insurance Date 09/19/1997

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.30%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.1428%

Return on Equity (ROE) -1.1700%

Non-Performing Loans (NPL) 0.77%

Total Assets $226,050,000

Total Deposits $183,349,000

Equity Capital $27,368,000

Net Income $3,846,000

Headquarters El Cajon

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Neighborhood National Bank El Cajon, CA

Is Neighborhood National Bank El Cajon, CA a safe place to deposit money?

Yes, Neighborhood National Bank El Cajon, CA is considered a safe financial institution. With a Texas Ratio of 10.299492984318%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Neighborhood National Bank El Cajon, CA operate?

Neighborhood National Bank El Cajon, CA currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Neighborhood National Bank El Cajon, CA 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 National Bank El Cajon, CA provides members with tools to manage their accounts and build a solid financial history.

Does Neighborhood National Bank El Cajon, CA offer online and mobile banking?

Most modern institutions like Neighborhood National Bank El Cajon, CA 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.mynnb.com.