APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://www.nechesfcu.org/rates/
Read: 2026-10-22T16:23:42.000Z

Minimum Balance | APR | APY
APY= Annual Percentage Yield
Minimum Balance $500.00 | APR 0.10% | APY 0.10%
Minimum Balance | APR | APY
APY= Annual Percentage Yield
Minimum Balance $50.00 – $500.00 | APR 9.57% | APY 10.00%
Minimum Balance $500.01 and Up | APR 0.10% | APY 0.10%
Minimum Balance | APR | APY
APY= Annual Percentage Yield
Minimum Balance $25.00 | APR 0.20% | APY 0.20%
Minimum Balance | APR | APY
APY= Annual Percentage Yield
Minimum Balance $0.00 – $25,000.00 | APR 5.84% | APY 6.00%
Minimum Balance $25,000.01 and Up | APR 0.10% | APY 0.10%
Minimum Balance | APR | APY
APY= Annual Percentage Yield
Minimum Balance $0.00 – $1,999.99 | APR 0.10% | APY 0.10%
Minimum Balance $2,000.00 – $24,999.99 | APR 0.60% | APY 0.60%
Minimum Balance $25,000.00 – $49,999.99 | APR 0.70% | APY 0.70%
Minimum Balance $50,000.00 and Up | APR 0.80% | APY 0.80%
Minimum Balance | APR | APY
APY= Annual Percentage Yield
Minimum Balance No Minimum | APR 0.20% | APY 0.20%
Term | APR | APY
APY= Annual Percentage Yield
Term 3 months | APR 2.96% | APY 3.00%
Term 6 months | APR 4.02% | APY 4.09%
Term 12 months | APR 4.17% | APY 4.25%
Term 18 months | APR 3.59% | APY 3.65%
Term 24 months | APR 3.44% | APY 3.50%
Term 30 months | APR 3.44% | APY 3.50%
Term 36 months | APR 3.44% | APY 3.50%
Term 48 months | APR 3.54% | APY 3.60%
Term 60 months | APR 3.54% | APY 3.60%
Term | APR | APY
APY= Annual Percentage Yield
Term 3 months | APR 2.96% | APY 3.00%
Term 6 months | APR 4.22% | APY 4.30%
Term 12 months | APR 4.55% | APY 4.65%
Term 18 months | APR 3.78% | APY 3.85%
Term 24 months | APR 3.69% | APY 3.75%
Term 30 months | APR 3.74% | APY 3.80%
Term 36 months | APR 3.74% | APY 3.80%
Term 48 months | APR 3.74% | APY 3.80%
Term 60 months | APR 3.74% | APY 3.80%
Visa Platinum | APR as low as
Visa Platinum Visa Platinum Rewards | APR as low as 2.9% for first 6 months- See Credit Card Addendum
Visa Platinum Visa Platinum Rewards Secured | APR as low as 2.9% for first 6 months- See Credit Card Addendum
Visa Platinum Visa Business | APR as low as 10.50%
Visa Platinum Visa Business Secured | APR as low as 10.50%
Term | APR as low as
Term Up to 60 months | APR as low as 10.25%
Term Up to 72 months 1 | APR as low as 10.75%
Term Up to 84 months 2 | APR as low as 11.25%
Term | APR as low as
Term up to 36 months | APR as low as 2% above the certificate/share rate
Term up to 60 months | APR as low as 3% above the certificate/share rate
Term up to 120 months | APR as low as 4% above the certificate/share rate
Term | APR as low as
Term Up to 36 months | APR as low as 12.50%
Term | APR as low as
Term 36 months | APR as low as 3.75%
Term 48 months | APR as low as 4.00%
Term 60 months | APR as low as 4.25%
Term 72 months | APR as low as 4.75%
Term 78 months 1 | APR as low as 5.00%
Term 84 months 2 | APR as low as 5.50%
Model Year | Term | APR as low as
Model Year All model years | Term Up to 36 months | APR as low as 3.75%
Model Year All model years | Term Up to 48 months | APR as low as 4.00%
Model Year 2020 & newer | Term Up to 60 months | APR as low as 4.25%
Model Year 2022 & newer | Term Up to 72 months | APR as low as 4.75%
Model Year 2024 & newer | Term Up to 78 months | APR as low as 5.00%
Model Year 2025 & newer 1 | Term Up to 84 months | APR as low as 5.50%
Term | APR as low as
Term 36 months | APR as low as 3.75%
Term 48 months | APR as low as 4.00%
Term 60 months | APR as low as 4.25%
Term 72 months | APR as low as 4.75%
Term 84 months | APR as low as 5.50%
Term 120 months | APR as low as 6.50%
Term 144 months | APR as low as 6.75% 1
Term 180 months | APR as low as 7.00% 2
Term | APR as low as
Term 36 months | APR as low as 3.75%
Term 48 months | APR as low as 4.00%
Term 60 months | APR as low as 4.25%
Term 72 months | APR as low as 4.75%
Term 84 months | APR as low as 5.50%
Term Up to 120 months | APR as low as 6.50% 1
Term Up to 144 months | APR as low as 6.75% 2
Term | APR as low as
Term 36 months | APR as low as 3.75%
Term 48 months | APR as low as 4.00%
Term 60 months | APR as low as 4.25%
Term 72 months | APR as low as 4.75%
Term 84 months | APR as low as 5.50%
Term 2024 & older up to 120 months | APR as low as 6.50% 1
Term 2025 & newer up to 144 months | APR as low as 6.75% 2
Term | APR as low as
Term 36 months | APR as low as 3.75%
Term 48 months | APR as low as 4.00%
Term 60 months | APR as low as 4.25%
Term 72 months | APR as low as 4.75%
Term | APR as low as
Term Up to 36 months | APR as low as 5.25%
Term Up to 60 months | APR as low as 5.50%
Term | APR (as low as)
Term Up to 36 months | APR (as low as) 5.25%
Term | APR as low as
APR= Annual Percentage Rate Up to 90% of Contracted Sales Price on First Mortgage.
Term 15 Year | APR as low as 5.50%
Term 20 Year | APR as low as 6.00%
Term 30 Year | APR as low as 6.25%
Term | APR as low as
APR= Annual Percentage Rate 1 Up to 80% LTV. Add .50% for second lien position.
Term up to 60 months | APR as low as 5.25%
Term up to 120 months | APR as low as 5.50%
Term up to 180 months | APR as low as 5.50%
Term up 240 months | APR as low as 5.75%
Term up to 360 months 1 | APR as low as 6.00%
Term | APR as low as
APR= Annual Percentage Rate Up to 90% LTV.
Term up to 60 months | APR as low as 6.25%
Term up to 144 months | APR as low as 6.50%
Term | APR as low as
Term up to 12 months | APR as low as 6.25%
Term | APR as low as
Term up to 120 months | APR as low as 6.00%
Term up to 180 months | APR as low as 6.00%
.25% off for auto transfer/payroll deduction on loan
.25% off for having/applying for a Neches credit card
0.50% off for Auto Loan Preapproval or External Auto Loan Refinance
Max Interest Rate is 18%