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Neighbors Federal Credit Union

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Neighbors Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Neighbors Federal Credit Union?

Current rates for Neighbors Federal Credit Union include: 12-Month CD: 3.82%, 18-Month CD: 3.64%, 24-Month CD: 3.61%, 60-Month CD: 3.64%, MMA: 0.50%

Q: What CD terms does Neighbors Federal Credit Union offer?

Neighbors Federal Credit Union CD rates are 3.72% APY for a 3 month CD, 3.82% APY for a 6 month CD, 3.82% APY for a 9 month CD, 3.82% APY for a 12 month CD, 3.64% APY for an 18 month CD, 3.61% APY for a 2 year CD, 4.00% APY for a 4 year CD and 3.64% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Neighbors Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Neighbors Federal Credit Union's 48 Month CD rates are at 4.00%, 12 Month CD rates are at 3.82%, 6 Month CD rates are at 3.82%, 9 Month CD rates are at 3.82%, 3 Month CD rates are at 3.72%. Neighbors Federal Credit Union's money market rates are at 0.50%. Neighbors Federal Credit Union's checking rates are as high as 2.50%. Neighbors Federal Credit Union's Personal Loan Rates are as low as 10.99%. Neighbors Federal Credit Union's Credit Card Rates are at 10.65%. Neighbors Federal Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Neighbors Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.95%. Rates last updated and verified on 10/28/2026.

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

Verified Healthy 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

8.95%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Neighbors Federal Credit Union
Perkins

12529 Perkins Rd
Baton Rouge, LA 70810

https://www.neighborsfcu.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 Federal Credit Union CD Rates

Product	Rate	APY	Term
48 Month Share Certificate	3.93%	4.00%	48 Months (4 Years)
Min Balance $1,500 Details # of days: 1,460 - 1,824; Minimum balance $1500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
IRA 48 Month Certificate	3.93%	4.00%	48 Months (4 Years)
Min Balance $1,500 Details Days: 1,460 - 1,824; Minimum balance $1500.00; Dividends compounded and posted monthly Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
12 Month Share Certificate	3.75%	3.82%	12 Months (1 Year)
Min Balance $1,500 Details # of days: 365 - 546; Minimum balance $1500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
6 Month Share Certificate	3.75%	3.82%	6 Months
Min Balance $1,500 Details # of days: 182 - 272; Minimum balance $1500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
9 Month Share Certificate	3.75%	3.82%	9 Months
Min Balance $1,500 Details # of days: 273 - 364; Minimum balance $1500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
IRA 12 Month Certificate	3.75%	3.82%	12 Months (1 Year)
Min Balance $1,500 Details Days: 365 - 546; Minimum balance $1500.00; Dividends compounded and posted monthly Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
IRA 6 Month Certificate	3.75%	3.82%	6 Months
Min Balance $1,500 Details Days: 182 - 272; Minimum balance $1500.00; Dividends compounded and posted monthly Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
IRA 9 Month Certificate	3.75%	3.82%	9 Months
Min Balance $1,500 Details Days: 273 - 364; Minimum balance $1500.00; Dividends compounded and posted monthly Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
3 Month Share Certificate	3.66%	3.72%	3 Months
Min Balance $1,500 Details # of days: 91 - 181; Minimum balance $1500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.72% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
IRA 3 Month Certificate	3.66%	3.72%	3 Months
Min Balance $1,500 Details Days: 91 - 181; Minimum balance $1500.00; Dividends compounded and posted monthly Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.72% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
18 Month Share Certificate	3.58%	3.64%	18 Months
Min Balance $1,500 Details # of days: 547 - 729; Minimum balance $1500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.64% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
60 Month Share Certificate	3.58%	3.64%	60 Months (5 Years)
Min Balance $1,500 Details # of days: 1,825+; Minimum balance $1500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.64% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
IRA 18 Month Certificate	3.58%	3.64%	18 Months
Min Balance $1,500 Details Days: 547 - 729; Minimum balance $1500.00; Dividends compounded and posted monthly Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.64% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
IRA 60 Month Certificate	3.58%	3.64%	60 Months (5 Years)
Min Balance $1,500 Details Days: 1,825+; Minimum balance $1500.00; Dividends compounded and posted monthly Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.64% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
24 Month Share Certificate	3.55%	3.61%	24 Months (2 Years)
Min Balance $1,500 Details # of days: 730 - 911; Minimum balance $1500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
30 Month Share Certificate	3.55%	3.61%	30 Months
Min Balance $1,500 Details # of days: 912 - 1,094; Minimum balance $1500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
IRA 24 Month Certificate	3.55%	3.61%	24 Months (2 Years)
Min Balance $1,500 Details Days: 730 - 911; Minimum balance $1500.00; Dividends compounded and posted monthly Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
IRA 30 Month Certificate	3.55%	3.61%	30 Months
Min Balance $1,500 Details Days: 912 - 1,094; Minimum balance $1500.00; Dividends compounded and posted monthly Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
36 Month Share Certificate	3.51%	3.57%	36 Months (3 Years)
Min Balance $1,500 Details # of days: 1,095 - 1,459; Minimum balance $1500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.57% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
IRA 36 Month Certificate	3.51%	3.57%	36 Months (3 Years)
Min Balance $1,500 Details Days: 1,095 - 1,459; Minimum balance $1500.00; Dividends compounded and posted monthly Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.57% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

Neighbors Federal Credit Union Savings Rates

Product	Rate	APY
Extra Saver	0.10%	0.10%
Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Regular Shares	0.10%	0.10%
Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

Neighbors Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.50%	0.50%
Min Balance $50,000 Details Balance: over $50,000.00 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Money Market Account	0.40%	0.40%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Money Market Account	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Money Market Account	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Money Market Account	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

Neighbors Federal Credit Union Checking Rates

Product	Rate	APY
Wealth Checking	2.47%	2.50%
Min Balance $100,000 Details Balance: Over $100,000.00 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Wealth Checking	2.23%	2.25%
Min Balance $75,000 Details Balance: $75,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Wealth Checking	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Dividend Checking	1.85%	1.87%
Min Balance $1,500 Details Balance: $1,500.00 - $15,000.00; Qualifying balance up to $15,000.00 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Dividend Plus Checking	1.85%	1.87%
Min Balance $1,500 Details Balance: $1,500.00 - $15,000.00; Dividend Rate 1.85%, APY+ 1.87%; $6 service fee applied to accounts below $1,500 minimum average daily balance; Monthly service fee: $4.95; Regular share rate applies to balances over $15,000; if member fails to meet qualifications, only .05% dividend rate applies Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Wealth Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.98% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

Neighbors Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan - 24 Months	-	-	6.04%	24 Months
Details Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.39% → 6.04% ▲ 0.65 pts · high 6.04% / low 5.39% Oct 23, 20266.04%▲ from 5.39% Sep 14, 20265.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
New Auto Loan - 36 Months	-	-	6.04%	36 Months
Details Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.39% → 6.04% ▲ 0.65 pts · high 6.04% / low 5.39% Oct 23, 20266.04%▲ from 5.39% Sep 14, 20265.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Used Auto Loan	-	-	6.04%	24 Months
Details Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 5.64% → 6.04% ▲ 0.40 pts · high 6.04% / low 5.64% Oct 4, 20266.04%▲ from 5.64% Sep 17, 20265.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Used Auto Loan	-	-	6.04%	36 Months
Details Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.00% → 6.04% ▲ 1.04 pts · high 6.04% / low 5.00% Oct 4, 20266.04%▲ from 5.64% Sep 17, 20265.64%▲ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
New Auto Loan - 48 Months	-	-	6.19%	48 Months
Details Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Used Auto Loan	-	-	6.19%	48 Months
Details Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.54% → 6.19% ▲ 0.65 pts · high 6.19% / low 5.54% Oct 4, 20266.19%▲ from 5.79% Sep 17, 20265.79%▲ from 5.54% Sep 14, 20265.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
New Auto Loan - 60 Months	-	-	6.24%	60 Months
Details Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Used Auto Loan	-	-	6.24%	60 Months
Details Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.59% → 6.24% ▲ 0.65 pts · high 6.24% / low 5.59% Oct 4, 20266.24%▲ from 5.84% Sep 17, 20265.84%▲ from 5.59% Sep 14, 20265.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
New Auto Loan - 66 Months	-	-	6.39%	66 Months
Details Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Used Auto Loan	-	-	6.39%	66 Months
Details Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.74% → 6.39% ▲ 0.65 pts · high 6.39% / low 5.74% Oct 4, 20266.39%▲ from 5.99% Sep 17, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
New Auto Loan - 72 Months	-	-	6.44%	72 Months
Details Beginning APR; 72-month term only available for vehicles over $15000; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Used Auto Loan	-	-	6.44%	72 Months
Details 72-month term only available for vehicles over $15000; Used auto rates apply to vehicles up to seven model years old; Beginning APR; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.79% → 6.44% ▲ 0.65 pts · high 6.44% / low 5.79% Oct 4, 20266.44%▲ from 6.04% Sep 17, 20266.04%▲ from 5.79% Sep 14, 20265.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
New Auto Loan - 78 Months	-	-	6.63%	78 Months
Details Beginning APR; 78-month term only available for vehicles over $15000; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Used Auto Loan	-	-	6.63%	78 Months
Details 78-month term only available for vehicles over $15000; Used auto rates apply to vehicles up to seven model years old; Beginning APR; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.98% → 6.63% ▲ 0.65 pts · high 6.63% / low 5.98% Oct 4, 20266.63%▲ from 6.23% Sep 17, 20266.23%▲ from 5.98% Sep 14, 20265.98%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
New Auto Loan - 84 Months	-	-	6.69%	84 Months
Details Beginning APR; 84-month term only available for vehicles over $35000; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Used Auto Loan	-	-	6.69%	84 Months
Details 84-month term only available for vehicles over $35000; Used auto rates apply to vehicles up to seven model years old; Beginning APR; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.04% → 6.69% ▲ 0.65 pts · high 6.69% / low 6.04% Oct 4, 20266.69%▲ from 6.29% Sep 17, 20266.29%▲ from 6.04% Sep 14, 20266.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

Neighbors Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loans - Boat	-	5.30%	47 months
Details min $7,500; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Boat	-	5.55%	72 months
Details min $10,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Boat	-	5.80%	84 months
Details min $15,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Boat	-	6.30%	120 months
Details min $20,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Travel Trailer / 5th Wheels	-	6.55%	47 months
Details min $4,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - ATV / Motorcycle / Jet Ski	-	6.70%	36 months
Details As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Boat	-	6.80%	144 months
Details min $25,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Travel Trailer / 5th Wheels	-	6.80%	72 months
Details min $10,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - ATV / Motorcycle / Jet Ski	-	6.95%	48 months
Details As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - ATV / Motorcycle / Jet Ski	-	7.05%	60 months
Details As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Travel Trailer / 5th Wheels	-	7.05%	84 months
Details min $12,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - ATV / Motorcycle / Jet Ski	-	7.19%	66 months
Details As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Travel Trailer / 5th Wheels	-	7.30%	96 months
Details min $15,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Travel Trailers / 5th Wheels	-	7.55%	120 months
Details min $20,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - ATV / Motorcycle / Jet Ski	-	7.70%	72 months
Details As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Boat	-	7.80%	180 months
Details min $35,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - ATV / Motorcycle / Jet Ski	-	7.95%	78 months
Details As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Motorhome	-	9.90%	24 - 84 months
Details min $7,500; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Motorhome	-	9.90%	85 - 120 months
Details min $25,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Recreational Vehicle Loans - Motorhome	-	9.90%	up to 180 months
Details $75,000 - $150,000; As Low As; Effective Date: October 22, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

Neighbors Federal Credit Union Credit Card Rates

Product	Rate	APR
Save Visa	-	10.65%
Details As Low As; Annual Fee: $0; Rewards: N/A Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 10.40% → 10.65% ▲ 0.25 pts · high 10.65% / low 10.40% Sep 25, 202610.65%▲ from 10.40% Sep 14, 202610.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Point Visa	-	12.65%
Details As Low As; Annual Fee: $0; Rewards: 1 point per $1 spent Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Sep 25, 202612.65%▲ from 12.40% Sep 14, 202612.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Elite Visa	-	13.90%
Details As Low As; Annual Fee: $0; Rewards: 1.5 points per $1 spent Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 13.65% → 13.90% ▲ 0.25 pts · high 13.90% / low 13.65% Sep 25, 202613.90%▲ from 13.65% Sep 14, 202613.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Step Visa	-	18.00%
Details As Low As; Annual Fee: $0; Rewards: N/A Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

Neighbors Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.99%	60 months
Details As Low As; APR* as low as Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

Neighbors Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Access Line of Credit (Open End Loans)	-	-	10.99%
Details As Low As; This APR will be based on your creditworthiness Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Individual Retirement Account	0.45%	-	0.45%
Details No minimum balance required; dividends calculated on a daily balance method and compounded and credited quarterly; early withdrawal subject to penalty Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

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 Federal Credit Union’s Texas Ratio rose from 7.67% in Q3 2023 to 8.95% in Q2 2026, so its financial health has held steady at a healthy level 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	$1.4B	8.95%	5.0	A
March 31, 2026	$1.4B	8.57%	5.0	A
December 31, 2025	$1.3B	10.64%	5.0	A
September 30, 2025	$1.3B	10.81%	5.0	A
June 30, 2025	$1.3B	11.25%	5.0	A
March 31, 2025	$1.3B	9.03%	5.0	A
December 31, 2024	$1.3B	12.12%	5.0	A
September 30, 2024	$1.3B	10.25%	5.0	A
June 30, 2024	$1.4B	10.35%	5.0	A
March 31, 2024	$1.4B	9.60%	5.0	A
December 31, 2023	$1.2B	10.27%	5.0	A
September 30, 2023	$1.2B	7.67%	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 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 Neighbors 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 Neighbors Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Neighbors Federal Credit Union

Website https://www.neighborsfcu.org

Address 12529 Perkins Rd, Baton Rouge, LA 70810

Phone 225-819-2178

Fax 225-819-8923

President Keith Bennett

CEO Steve Webb

Full-Time Employees 228

Part-Time Employees 9

Branch Locations 12

ATM Locations 12

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

8.95%

Return on Assets (ROA)

0.1497%

Return on Equity (ROE)

1.3525%

Non-Performing Loans Ratio (NPL)

1.25%

Total Assets

1,409,039,072

Total Amount of Shares and Deposits

1,243,892,859

Total Shares and Deposits < 1 Year

1,042,555,823

Total Shares and Deposits 1 3 Years

152,860,916

Total Shares and Deposits > 3 Years

48,476,122

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

118,462,929

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

118,462,929

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

1,125,429,930

Total Interest Expense (Sum of items 6 8)

13,967,266

Share Certificates

8,320

Number of Accounts for Share Drafts

55,359

IRA KEOGH Accounts

2,526

Number of Accounts for Regular Shares

136,877

Non Member Deposits

Money Market Shares

410

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)

63,736,253

Total Liabilities

1,305,617,223

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Neighbors 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Neighbors Federal Credit Union

Does Neighbors Federal Credit Union offer CDs?

Yes. Neighbors Federal Credit Union current CD rates include its 48 Month CD at 4.00% APY, its 12 Month CD at 3.82% APY and its 6 Month CD at 3.82% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Neighbors Federal Credit Union NCUA insured?

Yes. Neighbors Federal 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 Federal Credit Union?

The highest Neighbors Federal Credit Union CD rate is its 48 Month CD at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Neighbors Federal Credit Union offer?

Neighbors Federal Credit Union CD rates are 3.72% APY for a 3 month CD, 3.82% APY for a 6 month CD, 3.82% APY for a 9 month CD, 3.82% APY for a 12 month CD, 3.64% APY for an 18 month CD, 3.61% APY for a 2 year CD, 4.00% APY for a 4 year CD and 3.64% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Neighbors Federal Credit Union for its full lineup.

What is the highest money market rate at Neighbors Federal Credit Union?

The highest Neighbors Federal Credit Union money market rate is its Money Market Account at 0.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Neighbors Federal Credit Union?

The highest Neighbors Federal Credit Union checking rate is its Wealth Checking at 2.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Neighbors Federal Credit Union?

The lowest Neighbors Federal Credit Union auto loan rate is its Recreational Vehicle Loans - Boat at 5.30% APR, verified by MonitorBankRates as of October 28, 2026. Neighbors Federal Credit Union auto loan rates are 6.04% APR for a 24 month auto loan, 6.04% APR for a 36 month auto loan, 6.19% APR for a 48 month auto loan, 6.24% APR for a 60 month auto loan, 6.39% APR for a 66 month auto loan, 6.44% APR for a 72 month auto loan, 6.63% APR for a 78 month auto loan and 6.69% APR for an 84 month auto loan.

What is the lowest personal loan rate at Neighbors Federal Credit Union?

The lowest Neighbors Federal Credit Union personal loan rate is its Personal Loan at 10.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Neighbors Federal Credit Union?

The lowest Neighbors Federal Credit Union credit card APR is its Save Visa Credit Card at 10.65% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Neighbors Federal Credit Union operate?

Neighbors 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 Neighbors Federal Credit Union?

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

Does Neighbors Federal Credit Union offer online and mobile banking?

Most modern institutions like Neighbors 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.neighborsfcu.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 Federal Credit Union rates compare?

Neighbors Federal Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A health rating. Neighbors Federal Credit Union's top rates are its 48 Month CD at 4.00% APY, its Money Market Account at 0.50% APY, its Wealth Checking at 2.50% APY, its Personal Loan at 10.99% APR and its Save Visa Credit Card at 10.65% APR, verified by MonitorBankRates on October 28, 2026.

Current Neighbors Federal Credit Union Rates

12-Month CD3.82%
18-Month CD3.64%
24-Month CD3.61%
60-Month CD3.64%
MMA0.50%

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

Compare to Other Credit Unions

Neighbors Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Neighbors Federal Credit Union Texas Ratio

Neighbors Federal Credit Union Health Trend

Neighbors Federal Credit Union CD Rates

Neighbors Federal Credit Union Savings Rates

Neighbors Federal Credit Union Money Market Rates

Neighbors Federal Credit Union Checking Rates

Neighbors Federal Credit Union Auto Loan Rates

Neighbors Federal Credit Union RV, Boat and Powersport Loan Rates

Neighbors Federal Credit Union Credit Card Rates

Neighbors Federal Credit Union Personal Loan Rates

Neighbors Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Neighbors Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Neighbors Federal Credit Union

Does Neighbors Federal Credit Union offer CDs?

Are CDs from Neighbors Federal Credit Union NCUA insured?

What is the highest CD rate at Neighbors Federal Credit Union?

What CD terms does Neighbors Federal Credit Union offer?

What is the highest money market rate at Neighbors Federal Credit Union?

What is the highest checking rate at Neighbors Federal Credit Union?

What is the lowest auto loan rate at Neighbors Federal Credit Union?

What is the lowest personal loan rate at Neighbors Federal Credit Union?

What is the lowest credit card APR at Neighbors Federal Credit Union?

How many branches does Neighbors Federal Credit Union operate?

Is a member application needed to join Neighbors Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Neighbors Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Neighbors Federal Credit Union rates compare?

Current Neighbors Federal Credit Union Rates

Compare to Other Credit Unions