Neighbors Credit Union

6300 S Lindbergh Blvd
St. Louis, MO 63123-7804
314-892-5400
www.neighborscu.org

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Neighbors Credit Union is headquartered in SAINT LOUIS and is the 7^th largest credit union in the state of Missouri. It is also the 685^th largest credit union in the nation. It was established in 1928 and as of December of 2012, it had grown to 119 employees and 38,278 members. Neighbors Credit Union has a 5-star health rating.

5.00% Reward Checking Account at Neighbors Credit Union in Missouri - 12/26/2008

Neighbors Credit Union is offering a reward checking account called Green Checking. It pays 5.00% APY on balances up to $25,000 (0.50% for above) and refunds up to $10/month in ATM fees if the following monthly requirements are met:12 signature-based...

4.25% CD with Terms from 7 to 10 Months at Neighbors CU in Missouri - 11/16/2008

Neighbors Credit Union is offering a special 4.25% APY CD with terms of 7, 8, 9 and 10 months as of 11/16/08. Minimum deposit is $2,500, and new money is required.Membership is open to those who live or work within St. Louis City, St. Louis County, St....

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See Rates for: Checking | Savings | Money Market | CD | IRA

Neighbors Credit Union Checking Account Rates

Apy	Min	Max	Product
1.50%	-	$25k	MyGreen Elite Checking
1.00%	-	$10k	MyGreen Active Checking
0.50%	-	$10k	MyGreen Easy Checking
0.45%	$2,500	-	High Interest Checking
0.15%	-	-	Benefits Plus Checking
0.15%	-	-	Business Checking

Neighbors Credit Union Savings Account Rates

Apy	Min	Max	Product
0.75%	$100k	-	IRA Savings
0.75%	$100k	-	Roth IRA Savings
0.75%	$100k	-	CESA Savings
0.25%	-	-	Camp Cash Club
0.20%	$101	-	Regular Share Savings
0.15%	-	-	Christmas Club
0.15%	-	-	Y.E.S. Club
0.10%	$101	-	Escrow Savings
0.05%	-	-	Visa Share Savings

Neighbors Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.50%	$150k	-	Money Market Account

Neighbors Credit Union CD Rates

Apy	Min	Max	Product
1.66%	$1k	-	84 Month CD
1.46%	$1k	-	60 Month CD
1.16%	$1k	-	48 Month CD
1.01%	$10k	-	60 Month Bump Rate CD
0.96%	$1k	-	36 Month CD
0.96%	$10k	-	48 Month Bump Rate CD
0.66%	$1k	-	24 Month CD
0.56%	$100	-	Money Zone Investment Builder CD
0.56%	$100	-	Cash Stash Investment Builder CD
0.46%	$1k	-	12 Month CD
0.36%	$100	-	12 Month w/direct deposit Investment Builder CD
0.30%	$1k	-	6 Month CD
0.16%	$100	-	12 Month w/o direct deposit Investment Builder CD

Neighbors Credit Union IRA Rates

Apy	Min	Max	Product
1.76%	$1k	-	84 Month IRA
1.76%	$1k	-	84 Month Roth IRA
1.76%	$1k	-	84 Month CESA
1.56%	$1k	-	60 Month IRA
1.56%	$1k	-	60 Month Roth IRA
1.56%	$1k	-	60 Month CESA
1.26%	$1k	-	48 Month IRA
1.26%	$1k	-	48 Month Roth IRA
1.26%	$1k	-	48 Month CESA
1.06%	$1k	-	36 Month IRA
1.06%	$1k	-	36 Month Roth IRA
1.06%	$1k	-	36 Month CESA
0.76%	$1k	-	24 Month IRA
0.76%	$1k	-	24 Month Roth IRA
0.76%	$1k	-	24 Month CESA
0.56%	$1k	-	12 Month IRA
0.56%	$1k	-	12 Month Roth IRA
0.56%	$1k	-	12 Month CESA

Rates updated: 5/17/2013

Data for Q4 2012

Institution Statistics

NEIGHBORS
NCUA #	62905
BankRate Report	View
Year Chartered	1928
Employees	119
Primary Regulator
Assets and Liabilities
Assets	$288.82 million
Loans	$140.76 million
Deposits	$235.76 million
Equity Capital	$44.15 million
Loan Loss Allowance	$1.91 million
Unbacked Noncurrent Loans	$1.11 million
Historic Data - December 2011
Assets	$271.47 million
Equity Capital	$41.02 million
Loan Loss Allowance	$2.06 million
Unbacked Noncurrent Loans	$1.61 million
Real Estate Owned	$11,000
Profit Margin - Quarterly
Net Interest Margin	5.08%
Return on Assets	0.9%
Return on Equity	5.86%
Interest Income	$10.94 million
Non-Interest Income	$9.56 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Neighbors Credit Union had $1.11 million in non-current loans and owned real-estate with $46.06 million in equity and loan loss allowances on hand to cover it. This gives Neighbors Credit Union a Texas Ratio of 2.40% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Neighbors Credit Union decreased slightly from 3.76% as of December 31, 2011 to 2.40% as of December 31, 2012, resulting in a positive change of 36.09%.This indicates that the balance sheet and financial strength for Neighbors Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Neighbors Credit Union has increased its total deposits by $13.7 million, resulting in 6.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Neighbors Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Neighbors Credit Union has $288.82 million in assets with $46.06 million in equity, resulting in a capitalization level of 15.95%, which is excellent.