NECHES

Headquarters

PO BOX 1118
Port Neches, TX 77651
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.91% →
1-Year CD 1.40% 0.85% →
2-Year CD 1.60% 0.95% →
5-Year CD 2.00% 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Neches is an NCUA insured institution located in Port Neches, TX. It was founded in 1952 and has approximately $685.84 millions in assets.

Who can join?

If you live, work, or worship in Jefferson, Hardin, or Orange Counties, then you are eligible to join Neches Federal Credit Union.

NCUA Insured Yes
Charter Number # # 7916
Date Established 1952
Assets $685.84 million
Loans $456.67 million
Deposits $578.55 million
Capital $97.03 million
 

Field of Membership Restrictions

Membership is open to those who live, work, or worship in Jefferson, Hardin, Orange, Chambers, Jasper, Newton, Liberty, or Tyler Counties

Deposit Rates - December 1, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
Money Market
0.35% $2,500 $2,999 Learn More
Money Market
0.35% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.00% $10,000 $14,999 Learn More
6 Mo CD
1.25% $100,000 $199,999 Learn More
12 Mo CD
1.25% $10,000 $14,999 Learn More
12 Mo CD
1.40% $100,000 $199,999 Learn More
18 Mo CD
1.35% $10,000 $14,999 Learn More
18 Mo CD
1.45% $100,000 $199,999 Learn More
24 Mo CD
1.45% $10,000 $14,999 Learn More
24 Mo CD
1.60% $100,000 $199,999 Learn More
30 Mo CD
1.60% $10,000 $14,999 Learn More
30 Mo CD
1.70% $100,000 $199,999 Learn More
36 Mo CD
1.60% $10,000 $14,999 Learn More
36 Mo CD
1.70% $100,000 $199,999 Learn More
48 Mo CD
1.75% $10,000 $14,999 Learn More
48 Mo CD
1.95% $100,000 $199,999 Learn More
60 Mo CD
1.90% $10,000 $14,999 Learn More
60 Mo CD
2.00% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.25% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - December 1, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for NECHES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
2.550% 2.500% 0.63 $1,655 $988 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.582% 2.500% 0.88 $2,715 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to NECHES
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Neches branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Neches Locations


Financial Details

Neches Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Neches. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Neches U.S. Average
3.48% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Neches had $3,066,176 in non-current loans and $417,039 in owned assets. To cover these potential losses it had $97,028,267 in net worth and $2,953,196 in loans loss reserves. That gives it a Texas Ratio of 3.48%.

Net Worth
Neches U.S. Average
14.14% 13.61%

Neches FCU has a net worth of 14.14% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Neches

Branches and Savings

What is Neches?

A federal credit union, registered with the NCUA under certificate #7916.
Learn more about credit unions here.

Is Neches FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Neches?

Please see Field of Membership information above for information on who is eligible to join.

What are Neches's share account and share certificate rates?

Neches's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Neches?

Neches has total capital of $97.03 million. Full information on Neches's financial position is located above.

Who owns Neches?

Credit Unions are owned by their members.

Where are Neches branches located?

See branch locations nearby.

Are Neches ATMs Open 24/7?

Do Neches ATMs accept cash deposits?

Can Neches customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Neches have a mobile app?

Does Neches have mobile deposit?

Does Neches have quick pay?

How can Neches transfer money to other banks or credit unions?

Does Neches report to credit bureaus?

Does Neches use Chexsystems?

Does Neches use Equifax?

What is Neches's toll free phone number?

What is Neches's ACH Routing Number?

What is Neches's SWIFT code?

Where can I find Neches's wire transfer form?

What is the Neches address for deposits?

What Products Does Neches Offer

Does Neches offer mortgages?

Compare mortgage rates here.

Does Neches offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Neches offer auto and RV loans?

Compare auto loan rates here.

Does Neches offer student loans or personal loans?

Compare personal loan rates here.

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