Neches Credit Union
Verified rate book
Current Neches Credit Union rates
86 published offers verified as of August 4, 2026.
Mortgage rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| In-House Mortgage Rates (Term 15 Year)other | 5.500% APR | 5.500% | — | Standard |
| In-House Mortgage Rates (Term 20 Year)other | 6.000% APR | 6.000% | — | Standard |
| In-House Mortgage Rates (Term 30 Year)other | 6.250% APR | 6.250% | — | Standard |
Auto & vehicle rates
43 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used Motorhome/Travel Trailer Loan Rates (Term 36 months)rv_used_36mo | 3.500% APR | 3.500% | 36 mo · used | Standard |
| New Motorhomes/Travel Trailer Loan Rates (Term 36 months)rv_new_36mo | 3.500% APR | 3.500% | 36 mo · new | Standard |
| New & Used Boat Loan Rates (Term 36 months)boat_any_36mo | 3.500% APR | 3.500% | 36 mo · any | Standard |
| Used Motorhome/Travel Trailer Loan Rates (Term 48 months)rv_used_48mo | 3.750% APR | 3.750% | 48 mo · used | Standard |
| New & Used Boat Loan Rates (Term 48 months)boat_any_48mo | 3.750% APR | 3.750% | 48 mo · any | Standard |
| New Motorhomes/Travel Trailer Loan Rates (Term 48 months)rv_new_48mo | 3.750% APR | 3.750% | 48 mo · new | Standard |
| New & Used Motorcycles/ATVs Loan Rates (Term 36 months)motorcycle_any_36mo | 3.750% APR | 3.750% | 36 mo · any | Standard |
| Model Year All model yearsauto | 3.750% APR | 3.750% | — | Standard |
| Model Year All model yearsauto_any_36mo | 3.750% APR | 3.750% | 36 mo | Standard |
| 36-Month New Auto Loanauto_new_36mo | 3.750% APR | 3.750% | 36 mo · new | Standard |
| Model Year All model yearsauto_any_48mo | 4.000% APR | 4.000% | 48 mo | Standard |
| 48-Month New Auto Loanauto_new_48mo | 4.000% APR | 4.000% | 48 mo · new | Standard |
| New & Used Boat Loan Rates (Term 60 months)boat_any_60mo | 4.000% APR | 4.000% | 60 mo · any | Standard |
| New & Used Motorcycles/ATVs Loan Rates (Term 48 months)motorcycle_any_48mo | 4.000% APR | 4.000% | 48 mo · any | Standard |
| New Motorhomes/Travel Trailer Loan Rates (Term 60 months)rv_new_60mo | 4.000% APR | 4.000% | 60 mo · new | Standard |
| Used Motorhome/Travel Trailer Loan Rates (Term 60 months)rv_used_60mo | 4.000% APR | 4.000% | 60 mo · used | Standard |
| New & Used Motorcycles/ATVs Loan Rates (Term 60 months)motorcycle_any_60mo | 4.250% APR | 4.250% | 60 mo · any | Standard |
| Auto Loan (2020 and Newer)auto | 4.250% APR | 4.250% | — | Standard |
| 60-Month New Auto Loanauto_new_60mo | 4.250% APR | 4.250% | 60 mo · new | Standard |
| 60-Month Auto Loan (2020 and Newer)auto_any_60mo | 4.250% APR | 4.250% | 60 mo | Standard |
| New Motorhomes/Travel Trailer Loan Rates (Term 72 months)rv_new_72mo | 4.500% APR | 4.500% | 72 mo · new | Standard |
| Used Motorhome/Travel Trailer Loan Rates (Term 72 months)rv_used_72mo | 4.500% APR | 4.500% | 72 mo · used | Standard |
| New & Used Boat Loan Rates (Term 72 months)boat_any_72mo | 4.500% APR | 4.500% | 72 mo · any | Standard |
| Auto Loan (2022 and Newer)auto | 4.750% APR | 4.750% | — | Standard |
| New & Used Motorcycles/ATVs Loan Rates (Term 72 months)motorcycle_any_72mo | 4.750% APR | 4.750% | 72 mo · any | Standard |
| 72-Month New Auto Loanauto_new_72mo | 4.750% APR | 4.750% | 72 mo · new | Standard |
| 72-Month Auto Loan (2022 and Newer)auto_any_72mo | 4.750% APR | 4.750% | 72 mo | Standard |
| Auto Loan (2024 and Newer)auto | 5.000% APR | 5.000% | — | Standard |
| 78-Month Auto Loan (2024 and Newer)auto_any_78mo | 5.000% APR | 5.000% | 78 mo | Standard |
| New Auto Loan Rates (Term 78 months 1)auto_new_78mo | 5.000% APR | 5.000% | 78 mo · new | Standard |
| New Auto Loan Rates (Term 84 months 2)auto_new_84mo | 5.250% APR | 5.250% | 84 mo · new | Standard |
| Model Year 2025 & newer 1auto_any_84mo | 5.250% APR | 5.250% | 84 mo | Standard |
| Model Year 2025 & newer 1auto | 5.250% APR | 5.250% | — | Standard |
| Used Motorhome/Travel Trailer Loan Rates (Term 84 months)rv_used_84mo | 5.250% APR | 5.250% | 84 mo · used | Standard |
| New Motorhomes/Travel Trailer Loan Rates (Term 84 months)rv_new_84mo | 5.500% APR | 5.500% | 84 mo · new | Standard |
| New & Used Boat Loan Rates (Term 84 months)boat_any_84mo | 5.500% APR | 5.500% | 84 mo · any | Standard |
| Used Motorhome/Travel Trailer Loan Rates (Term 2024 & older up to 120 months)rv_used_120mo | 6.000% APR | 6.000% | 120 mo · used | Standard |
| New Motorhomes/Travel Trailer Loan Rates (Term Up to 120 months)rv_new_120mo | 6.250% APR | 6.250% | 120 mo · new | Standard |
| Used Motorhome/Travel Trailer Loan Rates (Term 2025 & newer up to 144 months)rv_used_144mo | 6.250% APR | 6.250% | 144 mo · used | Standard |
| New & Used Boat Loan Rates (Term 120 months)boat_any_120mo | 6.250% APR | 6.250% | 120 mo · any | Standard |
| New Motorhomes/Travel Trailer Loan Rates (Term Up to 144 months)rv_new_144mo | 6.500% APR | 6.500% | 144 mo · new | Standard |
| New & Used Boat Loan Rates (Term 144 months)boat_any_144mo | 6.500% APR | 6.500% | 144 mo · any | Standard |
| New & Used Boat Loan Rates (Term 180 months)boat_any_180mo | 6.750% APR | 6.750% | 180 mo · any | Standard |
HELOC rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 5-Year Home Equity Loan (Fixed)heloc_fixed | 5.250% APR | 5.250% | — | Standard |
| Up to 15-Year Home Equity Loan (Fixed)heloc_fixed | 5.500% APR | 5.500% | — | Standard |
| Up to 10-Year Home Equity Loan (Fixed)heloc_fixed | 5.500% APR | 5.500% | — | Standard |
| 20-Year Home Equity Loan (Fixed)heloc_fixed | 5.750% APR | 5.750% | — | Standard |
| Home Equity Loan Rates (Term up to 360 months 1)heloc_fixed | 6.000% APR | 6.000% | — | Standard |
Personal loan rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 36-Month Share-Secured Loanpersonal_secured_36mo | 2.000% APR | 2.000% | 36 mo | Standard |
| Up to 60-Month Share-Secured Loanpersonal_secured_60mo | 3.000% APR | 3.000% | 60 mo | Standard |
| Up to 120-Month Share-Secured Loanpersonal_secured_120mo | 4.000% APR | 4.000% | 120 mo | Standard |
| Up to 60-Month Signature Loanpersonal_unsecured_60mo | 10.250% APR | 10.250% | 60 mo | Standard |
| Signature Loan Rates (Term Up to 72 months 1)personal_unsecured_72mo | 10.750% APR | 10.750% | 72 mo | Standard |
| Signature Loan Rates (Term Up to 84 months 2)personal_unsecured_84mo | 11.250% APR | 11.250% | 84 mo | Standard |
| Up to 36-Month Personal Line of Creditploc_variable | 12.500% APR | 12.500% | 36 mo | Standard |
Credit card rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Visa Platinum Visa Platinum Rewardscredit_card_rewards | 2.900% APR | 2.900% | — | Advertised floor |
| Visa Platinum Visa Platinum Rewards Securedcredit_card_secured | 2.900% APR | 2.900% | — | Advertised floor |
| Visa Platinum Visa Business Securedcredit_card_business | 10.500% APR | 10.500% | — | Standard |
Savings & CD rates
18 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Certificate Rates (100,000 minimum balance) (Term 3 months)cd_3mo | 2.96% APY | 2.96% | 3 mo | Standard |
| Certificate Rates ($1,000 minimum balance) (Term 3 months)cd_3mo | 3.00% APY | 3.00% | 3 mo | Standard |
| Certificate Rates ($1,000 minimum balance) (Term 30 months)cd_30mo | 3.50% APY | 3.50% | 30 mo | Standard |
| Certificate Rates ($1,000 minimum balance) (Term 24 months)cd_24mo | 3.50% APY | 3.50% | 24 mo | Standard |
| Certificate Rates ($1,000 minimum balance) (Term 36 months)cd_36mo | 3.50% APY | 3.50% | 36 mo | Standard |
| Certificate Rates ($1,000 minimum balance) (Term 60 months)cd_60mo | 3.60% APY | 3.60% | 60 mo | Standard |
| Certificate Rates ($1,000 minimum balance) (Term 48 months)cd_48mo | 3.60% APY | 3.60% | 48 mo | Standard |
| Certificate Rates ($1,000 minimum balance) (Term 18 months)cd_18mo | 3.65% APY | 3.65% | 18 mo | Standard |
| Certificate Rates (100,000 minimum balance) (Term 24 months)cd_24mo | 3.69% APY | 3.69% | 24 mo | Standard |
| Certificate Rates (100,000 minimum balance) (Term 60 months)cd_60mo | 3.74% APY | 3.74% | 60 mo | Standard |
| Certificate Rates (100,000 minimum balance) (Term 36 months)cd_36mo | 3.74% APY | 3.74% | 36 mo | Standard |
| Certificate Rates (100,000 minimum balance) (Term 30 months)cd_30mo | 3.74% APY | 3.74% | 30 mo | Standard |
| Certificate Rates (100,000 minimum balance) (Term 48 months)cd_48mo | 3.74% APY | 3.74% | 48 mo | Standard |
| Certificate Rates (100,000 minimum balance) (Term 18 months)cd_18mo | 3.78% APY | 3.78% | 18 mo | Standard |
| Certificate Rates ($1,000 minimum balance) (Term 6 months)cd_6mo | 4.09% APY | 4.09% | 6 mo | Standard |
| Certificate Rates (100,000 minimum balance) (Term 6 months)cd_6mo | 4.22% APY | 4.22% | 6 mo | Standard |
| Certificate Rates ($1,000 minimum balance) (Term 12 months)cd_12mo | 4.25% APY | 4.25% | 12 mo | Standard |
| Certificate Rates (100,000 minimum balance) (Term 12 months)cd_12mo | 4.55% APY | 4.55% | 12 mo | Standard |
Equipment loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Tractor Loan Rates (Term Up to 36 months)equipment_36mo | 5.250% APR | 5.250% | — | Standard |
| Tractor Loan Rates (Term Up to 60 months)equipment_60mo | 5.500% APR | 5.500% | — | Standard |
Other rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Minimum Balance $25,000.01 and Upother | 0.100% % | 0.100% | — | Standard |
| Term Up to 36 monthsother | 5.250% % | 5.250% | — | Standard |
| Minimum Balance $0.00 – $25,000.00other | 6.000% % | 6.000% | — | Standard |
| Unimproved Property Loan Rates (Term up to 180 months)other | 6.000% % | 6.000% | — | Standard |
| Unimproved Property Loan Rates (Term up to 120 months)other | 6.000% % | 6.000% | — | Standard |
As of August 4, 2026, Neches Credit Union offers mortgage rates from 5.5% APR. Vehicle loans available from 3.5% APR for 36 months. HELOC rates from 5.25% APR. Personal loan rates from 2% APR. Credit card rates from 10.5% APR. Savings and certificate yields up to 4.55% APY. Equipment loans from 5.25% APR.
Source: RateAPI.dev, verified from Neches Credit Union's official website
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About Neches Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 82.9K
- Assets
- $1.2B
- Founded
- 1952
- Locations reported
- 11
- NCUA charter
- 7916
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- Bilingual services
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
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Who Can Join Neches Credit Union
Membership eligibility from Neches Credit Union's own published criteria. How we verify this.
Membership criteria are published on Neches Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationHardin, Jefferson, Orange — TX
Verified from Neches Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Neches Credit Union?
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Frequently Asked Questions
What rates does Neches Credit Union offer?
Neches Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Neches Credit Union rates updated?
RateAPI verifies Neches Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Neches Credit Union's rate data?
Rate data is collected directly from Neches Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Neches Credit Union's mortgage rate?
As of August 4, 2026, Neches Credit Union offers mortgage rates from 5.5% APR.
What are Neches Credit Union's auto, rv, boat & motorcycle loan rates?
As of August 4, 2026, Neches Credit Union offers vehicle loans from 3.5% APR.
What is Neches Credit Union's HELOC rate?
As of August 4, 2026, Neches Credit Union offers home equity lines of credit from 5.25% APR.
What is Neches Credit Union's personal loan rate?
As of August 4, 2026, Neches Credit Union offers personal loans from 2% APR.
What is Neches Credit Union's best CD rate?
As of August 4, 2026, Neches Credit Union offers savings and certificate (CD) yields up to 4.55% APY.
Related Rate Data
Compare Neches Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Neches Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/neches" \
-H "Authorization: Bearer YOUR_API_KEY"