Neches

Headquarters

Po Box 1118
Port Neches, TX 77651
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.25%	0.66% →
1-Year CD	0.60%	0.71% →
2-Year CD	0.80%	0.81% →
5-Year CD	1.15%	1.15% →
30-Year Mortgage	N.A.	2.72% →
15-Year Mortgage	N.A.	2.36% →
HELOC	N.A.	2.79% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Financial Details
FAQs
Reviews

2021 Overview

General Credit Union Information

Neches is an NCUA insured institution located in Port Neches, TX. It was founded in 1952 and has approximately $741.87 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 / Federally Chartered
Charter Number #	# 7916
Date Established	1952
Assets	$741.87 million
Loans	$481.53 million
Deposits	$625.80 million
Capital	$102.81 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 - March 4, 2021

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 Reviews
Money Market	0.35%	$2,500	$2,999	Learn More Reviews
Money Market	0.35%	$10,000	$14,999	Learn More Reviews
Money Market	0.45%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	1.00%	$10,000	$14,999	Learn More Reviews
6 Mo CD	1.25%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.50%	$1,000	$99,999	Learn More Reviews
12 Mo CD	0.60%	$100,000	-	Learn More Reviews
18 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.60%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.70%	$1,000	$99,999	Learn More Reviews
24 Mo CD	0.80%	$100,000	$199,999	Learn More Reviews
30 Mo CD	1.00%	$1,000	$99,999	Learn More Reviews
30 Mo CD	1.20%	$100,000	-	Learn More Reviews
36 Mo CD	0.70%	$1,000	$99,999	Learn More Reviews
36 Mo CD	0.80%	$100,000	-	Learn More Reviews
48 Mo CD	0.90%	$1,000	$99,999	Learn More Reviews
48 Mo CD	1.00%	$100,000	-	Learn More Reviews
60 Mo CD	1.06%	$1,000	$99,999	Learn More Reviews
60 Mo CD	1.15%	$100,000	$199,999	Learn More Reviews

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 - March 4, 2021

Get Loan Offers

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 2021

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 3030	3.620%	3.500%	1.00	$3,750	$1,123	Learn More
NMLS ID: 424182	2.940%	2.875%	0.88	$2,092	$1,038	Learn More
NMLS ID: 3030	3.620%	3.500%	1.00	$3,750	$1,123	Learn More
NMLS ID: 1168	2.943%	2.875%	0.88	$2,195	$1,038	Learn More

See More Mortgage Rates →

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	2.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
People's United Bank, N.A. See Table	4.000 %	$0	Learn More More Info
Rates and terms are subject to change without notice. Applications are subject to credit approval. The Annual Percentage Rate (“APR”) is a variable rate and is established based on an Index PLUS or MINUS a margin. The Index is the highest United States Prime Rate as published in the Eastern Edition of The Wall Street Journal ("Prime Rate") on the last business day before the start of each month’s billing cycle. The minimum APR is 3.50%. The maximum APR is 18.00%. The rates shown reflect a 1-to 2 unit owner occupied primary residence, including condominiums. Receive a .25% percentage point rate discount if you choose to make your payment using auto debit from a People’s United checking account. Other terms and conditions may apply. There is a $75 annual fee, which is waived for qualified People’s United Bank checking accounts. There is a prepayment penalty fee of $500 if you close your account within two (2) years after the date of your Note. If the Note is secured by property located in the State of New York, borrower(s) must also pay People’s United Bank back the mortgage tax paid by the Bank at the time of the origination of the Note . Home Equity Lines of Credit are available only for 1 - 4 unit owner occupied primary residences, 1 unit second homes and condominiums in Connecticut, Massachusetts, Maine, Vermont, New Hampshire and select counties in the state of New York and are not available on cooperatives or properties listed for sale. The Home Equity Line of Credit has a minimum line amount of $25,000 and a maximum line amount of $750,000. Property insurance is required. Flood insurance may be required. People’s United Bank, N.A. Member FDIC Equal Housing Lender NMLS#464603 No appliction fee, no origination fee and no closing costs Pay interest only during the 9.5 year draw period Over 175 years of exceeding customer expectations Fast and easy online application - apply today
Bethpage Federal Credit Union See Table	Intro APR 2.990 % After Intro: 3.750 % Intro Period: 12 months	$25,000	Learn More More Info
Home Equity rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply. Rates as low as 3.25% Prime Rate as of 3/16/2020 = 3.25% (Wall Street Journal). No application or closing costs

See More Home Equity Rates →

Note to NECHES
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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

View Branches Nationwide →

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
5.91%	4.42

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 September 30, 2020, Neches had $6,067,701 in non-current loans and $171,853 in owned assets. To cover these potential losses it had $102,814,030 in net worth and $2,678,815 in loans loss reserves. That gives it a Texas Ratio of 5.91%.

Net Worth

Neches	U.S. Average
13.85%	12.91%

Neches FCU has a net worth of 13.85% versus the BestCashCow average of 12.91. 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.

Neches

2021 Overview

General Credit Union Information

Field of Membership Restrictions

Deposit Rates - March 4, 2021

Loan Rates - March 4, 2021

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Branches

Neches Locations

Financial Details

Neches Ratio Analysis

Texas Ratio

Net Worth

Frequently Asked Questions About Neches

Branches and Savings

What is Neches?

Is Neches FDIC insured?

Who can join Neches?

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

How big is Neches?

Who owns Neches?

Where are Neches branches located?

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?

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

Does Neches offer auto and RV loans?

Does Neches offer student loans or personal loans?

Customer Reviews for Neches