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Build Your Future, Right Here at Home

At Neches, you’re not just a number. You’re part of our community. Whether you’re managing day-to-day finances or planning for the future, we’re here with support that feels personal.

The Everyday Extras You Deserve

You’ve worked hard for everything you have–let us match your efforts with benefits designed to make your financial life easier.

No Hidden Fees

There are no nasty surprises with a Neches FCU account. Wave goodbye to hidden fees and other unanticipated costs when you choose to bank with Neches FCU.

Get Paid Early

With Direct Deposit at Neches FCU, you’ll receive your paycheck as soon as the funds are available – often up to two days earlier than with traditional banks.

Rewards for Every Swipe

Earn rewards with every swipe of your Neches FCU Debit Card with Rewards. Redeem points for travel, electronics, gift cards, and more. Your card, your points, your rewards!

Overdraft Protection

We’ll cover up to $500 if your transactions exceed your balance, helping avoid rejected checks or debit card transactions, an especially helpful perk during difficult times.^*

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Why Are We Different From Most Banks and Credit Unions?

When you join Neches FCU, you’ll discover the unique strengths that empower us to offer signature service to fellow members of our amazing community. We’re proud to offer:

A Comprehensive Set of Financial Products and Services

Whether you wish to grow your wealth, plan for retirement, or borrow for purchases both large and small, Neches FCU has you covered with financial expertise and competitive offerings.

Business man standing by an open car door

Local Expertise & Insights

This IS Texas – we’re locals and we’re proud. Rely on fellow members of your community to act in your best interests, provide insights into financial issues in your area, and be there when and where you need us.

Unparalleled Accessibility

We’ve earned a reputation as a committed provider of support for our members. With seven convenient full-service locations in Southeast Texas, a surcharge-free nationwide ATM and Shared Branching network, and easy-to-use live support options, we’re ready to serve.

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Neches FCU vs. Banks

Types of organization

Types of organization
Who can join

Who can join
Invested in

Invested in
Deposits federally insured

Deposits federally insured
Governance

Governance
Interactions with like financial institutions

Interactions with like financial institutions

Neches Federal Credit Union

Types of organization

Not-for-profit – Fewer fees, better rates
As a not-for-profit financial cooperative, we return our profits to our members in the form of better rates, lower fees, and greater service.
Who can join

Members
Neches’ membership is open to anyone who lives or works in our field of membership, including the family of eligible members.
Invested in

Community members
We serve the needs of our membership and community by investing our non-interest income and interest from loans to local organizations working to make a difference.
Deposits federally insured

NCUA insured ($250k)
Your deposits are insured by the National Credit Union Administration (NCUA) and are backed by the faith and credit of the United States Government.
Governance

Member owned
Each member can exercise their voting rights to fill seats on the Board of Directors. The directors advocate for membership.
Interactions with like financial institutions

Cooperative
Credit unions are financial cooperatives. That means we work together toward one common goal- helping our members prosper.

Banks

Types of organization

For-profit – More fees, worse rates
Traditional banking institutions primarily focus on generating profits for their shareholders with no added benefits to their customers.
Who can join

Customers
You cannot join a bank, but anyone can be a customer.
Invested in

Generating revenue
Banks use the income they generate from fees, interest, business accounts, and investments to increase their shareholders’ earnings.
Deposits federally insured

FDIC insured ($250k)
At a bank, your deposits are insured by the Federal Deposit Insurance Corporation and are backed by the full faith of the United States Government.
Governance

Stakeholder owned
Banks are governed by their shareholders. Voting rights depend on the number of shares you own leaving regular customers out of decisions.
Interactions with like financial institutions

Competitive
Banks are competitive. They compete with one another for your business and see you only as a number.

See If You’re Eligible Below

You’re eligible if you live, work, worship or attend school in any of the following locations in Texas:

Lamar University
Jefferson County
Hardin County
Orange County
Jasper County
Newton County
Tyler County
Liberty County
Chambers County
Galveston Island
Bolivar Peninsula

Neches FCU extends eligibility to all current members’ immediate family members.

Getting Started is Easy

With a few simple steps, you can open an account with Neches FCU.

Confirm your eligibility

See how you’re eligible to join Neches Federal Credit Union.

Identify yourself

Provide a government-issued ID, driver’s license/state ID, or passport.

Verify your address

A physical and mailing address are required to apply.

Validate your personal info

Provide your SSN and date of birth to confirm your identity.

Fund your account

We’ll cover your $5 minimum funding to get you started with a Savings Account.

Join the Neches FCU Family

Join us and start experiencing the credit union difference in Southeast Texas today.

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Disclosures

^*Fees count against the disclosed overdraft protection dollar limit. Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from any overdraft protection limit disclosed. Transactions may not be processed in the order in which they occurred, and the order in which transactions are received by Neches and processed can affect the total amount of overdraft fees incurred. Overdraft fees may be imposed on transactions such as ATM withdrawals, debit card transactions, preauthorized automatic debits, telephone initiated transfers or other electronic transfers if applicable. We pay all checks and debits on your checking account in order of arrival sequence throughout the day. Courtesy Pay should not be used as a source of extra funds, but as a safeguard to protect against unexpected mistakes. It provides you the security of knowing your transaction will be processed, not returned for insufficient funds, and it saves you from being charged any additional fees by the merchant.