Neighbors Federal Credit Union

Neighbors Federal Credit Union Locations

P.O. Box 2831
Baton Rouge, LA 70821
866-819-2178
www.neighborsfcu.org

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Neighbors Federal Credit Union is headquartered in Baton Rouge and is the 2^nd largest credit union in the state of Louisiana. It is also the 388^th largest credit union in the nation. It was established in 1954 and as of September of 2011, it had grown to 167 employees and 56,751 members. Neighbors Federal Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Neighbor FCU (LA) Dropped Their RCA Limit... (Forum) - 9/13/2011

from (3.51%, $25K) to (3.51%, $10K).

Top CD and IRA CD Rates at Neighbors FCU in Louisiana - Local Only - 11/24/2010

Neighbors Federal Credit Union has several competitive rates on its Jumbo share certificates. Minimum deposit is $100,000. Rates are 25 basis points lower for the regular share certificates which have ...

2.25% 12-Month CD & 2.75% 24-Month CD at Neighbors FCU in Louisiana - Local Only - 8/26/2009

Neighbors Federal Credit Union has several competitive rates on its Jumbo share certificates. Minimum deposit is $100,000. Rates are 0.25% lower for the regular share certificates which have minimum deposit of $1,500. The same rates are also available...

High-Yield Reward Checking Account at Neighbors Federal Credit Union in Louisiana - Local Only - 8/26/2009

Neighbors Federal Credit Union is offering a reward checking account with the following rates and features if certain monthly requirements are met:4.51% APY on balances up to $25,0001.01% on portion of balances above $25,0000.15% base rate if...

2008

3/19 - 6.17% 9-Month CD at a Louisiana CU - IRA (Neighbors).

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

Neighbors Federal Credit Union Checking Account Rates

	Apy	Min	Max	Product
	3.01%	-	$10k	Reward Checking

Neighbors Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.75%	-	-	IRA Dividends
0.75%	-	-	Roth IRA Dividends
0.75%	-	-	Education IRA Dividends
0.30%	$100	-	Share
0.30%	-	-	Youth Share
0.30%	$100	-	Extra Savers
0.30%	-	-	Summer Savers Club
0.30%	-	-	Christmas Club

Neighbors Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.60%	$50k	-	MONEY MARKET

Neighbors Federal Credit Union CD Rates

Apy	Min	Max	Product
2.29%	$1,500	-	5 Year Compounded CD
2.27%	$1,500	-	5 Year CD
1.77%	$1,500	-	4 Year Compounded CD
1.76%	$1,500	-	4 Year CD
1.48%	$1,500	-	3 Year Compounded CD
1.47%	$1,500	-	3 Year CD
1.15%	$1,500	-	2 Year Compounded CD
1.14%	$1,500	-	2 Year CD
0.83%	$1,500	-	1 Year CD
0.83%	$1,500	-	1 Year Compounded CD
0.62%	$1,500	-	6 Month CD
0.62%	$1,500	-	6 Month Compounded CD

Neighbors Federal Credit Union IRA Rates

Apy	Min	Max	Product
2.55%	$1,500	-	5 Year Jumbo IRA
2.55%	$1,500	-	5 Year Jumbo Roth IRA
2.55%	$1,500	-	5 Year Jumbo Education IRA
2.29%	$1,500	-	5 Year IRA
2.29%	$1,500	-	5 Year Roth IRA
2.29%	$1,500	-	5 Year Education IRA
2.03%	$1,500	-	4 Year Jumbo IRA
2.03%	$1,500	-	4 Year Jumbo Roth IRA
2.03%	$1,500	-	4 Year Jumbo Education IRA
1.77%	$1,500	-	4 Year IRA
1.77%	$1,500	-	4 Year Roth IRA
1.77%	$1,500	-	4 Year Education IRA
1.73%	$1,500	-	3 Year Jumbo IRA
1.73%	$1,500	-	3 Year Jumbo Roth IRA
1.73%	$1,500	-	3 Year Jumbo Education IRA
1.48%	$1,500	-	3 Year IRA
1.48%	$1,500	-	3 Year Roth IRA
1.48%	$1,500	-	3 Year Education IRA
1.40%	$1,500	-	2 Year Jumbo IRA
1.40%	$1,500	-	2 Year Jumbo Roth IRA
1.40%	$1,500	-	2 Year Jumbo Education IRA
1.15%	$1,500	-	2 Year IRA
1.15%	$1,500	-	2 Year Roth IRA
1.15%	$1,500	-	2 Year Education IRA
1.08%	$1,500	-	1 Year Jumbo IRA
1.08%	$1,500	-	1 Year Jumbo Roth IRA
1.08%	$1,500	-	1 Year Jumbo Education IRA
0.83%	$1,500	-	1 Year IRA
0.83%	$1,500	-	1 Year Roth IRA
0.83%	$1,500	-	1 Year Education IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

NEIGHBORS
NCUA #	9229
BankRate Report	View
Year Established	1954
Employees	167
Primary Regulator
Assets and Liabilities
Assets	$504.81 million
Loans	$352.47 million
Deposits	$459.46 million
Equity Capital	$43.61 million
Loan Loss Allowance	$3.19 million
Unbacked Noncurrent Loans	$1.80 million
Real Estate Owned	$328,000
Historic Data - September 2010
Assets	$454.98 million
Equity Capital	$41.08 million
Loan Loss Allowance	$3.46 million
Unbacked Noncurrent Loans	$2.22 million
Real Estate Owned	$328,000
Profit Margin - Quarterly
Net Interest Margin	3.22%
Return on Assets	0.75%
Return on Equity	8.65%
Interest Income	$15.46 million
Non-Interest Income	$8.73 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 September 30, 2011 Neighbors Federal Credit Union had $2.12 million in non-current loans and owned real-estate with $46.8 million in equity and loan loss allowances on hand to cover it. This gives Neighbors Federal Credit Union a Texas Ratio of 4.54% 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 Federal Credit Union decreased slightly from 5.71% as of September 30, 2010 to 4.54% as of September 30, 2011, resulting in a positive change of 20.51%.This indicates that the balance sheet and financial strength for Neighbors Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Neighbors Federal Credit Union has increased its total deposits by $51.48 million, resulting in 12.62% 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 Federal 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 Federal Credit Union has $504.81 million in assets with $46.8 million in equity, resulting in a capitalization level of 9.27%, which is average.