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Savings Accounts

Regular savings accounts earn dividends, which are compounded and paid quarterly. The dividend rate and annual percentage yield may change at any time, as determined by the credit union Board of Directors. If you close your share account before dividends are paid, you will not receive the accrued dividends.

Youth Club Accounts

Neches Federal Credit Union is excited to introduce you to our youth programs, designed to prepare a foundation for our young members for their financial future. The Youth Programs will provide Neches Federal Credit Union the opportunity to encourage our younger members to save and to educate them on the importance of financial literacy. Whether the goal is to save money for a new bike or buy the first car, Neches Federal Credit Union will be there every step of the way.

Each program is designed to meet the goals and interests of every age group:

Requirements: Newborn to 12 years of age (opening deposit of $5)

  • Custom Newsletter and invitation to Kid’s Day
  • Personalized Membership card
  • Ncredible Grades- make all A’s &have a chance to win $100
  • Coloring Contest – Youth Week
  • Birthday card with special goodies inside

Requirements: 13 to 18 years of age (opening deposit of $5)

  • Debit Card with Tuition Rewards
  • Youth Credit Card
  • Facebook/nSpire
  • Monthly Events (free coffee nights, financial seminars, community projects)

Requirements: 19 to 25 years of age (opening deposit of $5)

  • Take advantage of the nControl products with special rates
    • Debit Card with Tuition Rewards
    • Credit Card with Cash  Rewards
  • 2% discount for first time borrowers*
  • Financial Education

(*some restrictions may apply)

Checking Accounts

No monthly maintenance fees and deposit checks online

Savings Accounts

Save your money in a savings account.

Money Market Accounts

Earn interest while your money is just hanging out and relaxing.


Individual retirement accounts (IRAs) provide tax advantages and allow your money to grow over time.

Deposit Rates

Don't let fate make you wait to see how great are our rates!