Personal Banking Services
Banking Services
Save money and make what you earn money go farther with banking services at Neighbors Credit Union. We are “Your Neighbor for Life” and we want to help you succeed in Missouri and in life. That’s why we offer a full range of personal banking services to support our customers in the Gateway Region.
Personal Checking Accounts
- Benefits Checking* More than a checking account with no balance requirement. Benefits Checking also includes identity theft protection, shopping rewards, health and travel discounts, and more.
- Free Checking A simple, free checking account. Enjoy no minimum balance requirements, no per-check fees, and no monthly fees.
- Interest Checking Use direct deposit for your income and earn interest on balances of $2,500 balance or more.
- SMART Checking Free checking for members ages 13-22 and there’s no minimum balance required.
* $5 monthly fee
Savings Accounts
We offer three types of personal savings accounts:
- Regular Savings: Open an account with just a $1 minimum balance. Earn dividends on balances of $100 or more.
- Holiday Savings: Set up regular, automated deposits and gain quarterly interest.
- Additional Savings: Start a vacation, home improvement, emergency fund, etc. Give it a personalized name and transfer funds online or through mobile banking.
Certificates of Deposit (CDs)
- Investment Builder CDs For a $100 minimum balance, you can enjoy a 12-month term and earn higher interest than you would with a regular Savings Account.
- Save to Win CDs The benefits of a savings account, and every $25 deposit earns you a chance to win cash prizes in our monthly and quarterly drawings.
Money Market Accounts
Earn a higher interest rate while maintaining access to your funds. We offer a tiered interest structure, so the more you save the higher your interest rate will be. A $2,000 minimum balance is required, and you can make unlimited deposits. You can access your funds with three free checks per month and ATM withdrawals.
Individual Retirement Accounts (IRAs)
Online Banking
Access your accounts 24 hours a day, seven days a week with our free Online Banking service. It’s a secure and dependable method of transacting business at your convenience. With online banking, you can check your account balances, set up email and text alerts, transfer funds, and pay your bills.
Personal Credit Cards
- Visa Platinum Rewards: Offers great rates and no hidden fees.
- Visa® Platinum: No hidden fees and a fixed interest rate.
- Visa Secured Credit Cards: With your savings account as “collateral,” you can use this card to build or rebuild your credit rating.
Loans
We offer multiple types of personal loans to help you move, expand, or upgrade. Leverage your home’s equity our put your credit to use.
- Home Equity Loans and Home Equity Lines of Credit (HELOC) Often used to consolidate bills, pay off debt, or make home improvements.
- Mortgage Loans We can help you find the best options available among government-backed loans and the private market.
- Vehicle Loans Finance a new, used or vintage car, truck, boat, motorcycle or RV. Get a competitive interest rate and have all the paper work done at the dealership.
- Personal Loans Lines of credit and personal loans are unsecured loans with rates often more favorable than credit cards.