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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.
 Neighbors Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Neighbors Credit Union's 12 Month CD rates are at 4.00%, 6 Month CD rates are at 3.75%, 18 Month CD rates are at 3.00%, 24 Month CD rates are at 3.00%, 36 Month CD rates are at 3.00%. Neighbors Credit Union's savings rates are at 10.00%. Neighbors Credit Union's money market rates are at 3.35%. Neighbors Credit Union's checking rates are as high as 0.30%. Neighbors Credit Union's Mortgage Loan - 15 Year Fixed rates are at 6.38%, Jumbo - 30 Year Fixed rates are at 6.88%, Mortgage Loan - 20 Year Fixed rates are at 6.75%, Mortgage Loan - 30 Year Fixed rates are at 6.88%, Mortgage Loan - 30 Year VA rates are at 7.38%. Neighbors Credit Union's Personal Loan Rates are as low as 10.49%. Neighbors Credit Union's Credit Card Rates are at 11.95%. Neighbors Credit Union's CD rates are 10% higher than the MonitorBankRates national average, and it has an A health rating. 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 10/29/2026. 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. Neighbors Credit Union
Neighbors Credit Union 6300 S Lindbergh Blvd
https://www.neighborscu.org Saint Louis, MO 63123-7804  Customer Reviews
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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
Neighbors Credit Union Savings Rates
Neighbors Credit Union Money Market Rates
Neighbors Credit Union Business Money Market Rates
Neighbors Credit Union Checking Rates
Neighbors Credit Union Business Checking Rates
Neighbors Credit Union Mortgage Rates
Neighbors Credit Union Home Equity & HELOC
Neighbors Credit Union RV, Boat and Powersport Loan Rates
Neighbors Credit Union Credit Card Rates
Neighbors Credit Union Personal Loan Rates
Neighbors Credit Union Other Rates
Financial Health HistoryNeighbors 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
Customer Reviews
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Frequently Asked Questions About Neighbors Credit UnionDoes Neighbors Credit Union offer CDs?Yes. Neighbors Credit Union current CD rates include its 12 Month CD at 4.00% APY, its 6 Month CD at 3.75% APY and its 18 Month CD at 3.00% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Neighbors Credit Union NCUA insured?Yes. Neighbors Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Neighbors Credit Union?The highest Neighbors Credit Union CD rate is its 13 Month CD - Special at 4.40% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Neighbors Credit Union offer?Neighbors Credit Union CD rates are 3.75% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.00% APY for an 18 month CD, 3.00% APY for a 2 year CD, 3.00% APY for a 3 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Neighbors Credit Union for its full lineup. What is the highest savings rate at Neighbors Credit Union?The highest Neighbors Credit Union savings rate is its Holiday Savings at 0.15% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Neighbors Credit Union?The highest Neighbors Credit Union money market rate is its Express Money Market - New Deposits Only at 3.35% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Neighbors Credit Union?The highest Neighbors Credit Union checking rate is its Interest Checking at 0.30% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at Neighbors Credit Union?The lowest Neighbors Credit Union 30 year fixed mortgage rate is its Jumbo - 30 Year Fixed at 6.875%, verified by MonitorBankRates as of October 29, 2026. Neighbors Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.75% for a 20 year mortgage and 6.375% for a 15 year mortgage. What is the lowest personal loan rate at Neighbors Credit Union?The lowest Neighbors Credit Union personal loan rate is its Personal Loan at 10.49% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Neighbors Credit Union?The lowest Neighbors Credit Union credit card APR is its Visa Platinum Credit Card at 11.95% APR, verified by MonitorBankRates as of October 29, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Neighbors Credit Union rates compare?Neighbors Credit Union's CD rates are 10% higher than the MonitorBankRates national average, and it has an A health rating. Neighbors Credit Union's top rates are its 13 Month CD - Special at 4.40% APY, its SMART Savings at 10.00% APY, its Express Money Market - New Deposits Only at 3.35% APY, its Interest Checking at 0.30% APY, its Mortgage Loan - 15 Year Fixed at 6.375%, its Personal Loan at 10.49% APR and its Visa Platinum Credit Card at 11.95% APR, verified by MonitorBankRates on October 29, 2026. Current Neighbors Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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