Meet Your Ellisville Neighbors!
We’re offering great deals exclusively for our new Ellisville branch. From Nov. 1 through 30, 2017, take advantage of our
grand opening specials:
- Open a checking account with eStatements and direct deposit to receive $300!1
- Bring us your auto loan from another lender, and receive fixed rates as low as 1.99% APR for up to 60 months!2 Plus, enjoy no payments for 90 days or extend your terms for six months.3
- Receive 3.99% APR for 12 months on November purchases, balance transfers and cash advances on a new Neighbors Credit Union Visa Rewards credit card!4 Plus, new cardholders will get 1,000 rewards points.5
- Get $500 toward closing costs when you finance a new home with Neighbors Credit Union or bring us your mortgage from another lender!6
- Earn up to 2.00% APY for 28 months or up to 1.90% APY for 15 months when you open a Certificate of Deposit with a checking account and direct deposit!7
Neighbors Credit Union is a full-service, not-for-profit financial institution. We offer the same services you would find at a bank, but with better rates and fewer and lower fees. Visit our Ellisville branch during our grand opening celebration to take advantage of all we offer! You can find our Ellisville location at 15928 Manchester Road, Ellisville, MO 63011. We hope to see you there!
Auto Refinance Special
Refinance your auto loan with Neighbors and you can really save big. Rates are as low as 1.99% APR for 36 months and you'll enjoy no payments for 90 days or extending your term for 6 months at the same rate.8 We have a quick approval process with minimal paperwork. Apply today to start saving!
Save $500 Off Closing Costs on Your Mortgage Purchases and Refinances9
At Neighbors, we put people first…your unique needs and your unique life. Sure our mortgage loans offer low interest rates, but it's about much more than that. It's about what's right for you now, and what's best for you tomorrow. Neighbors is also not-for-profit, which gives us the freedom to do what's right for you.
With the various mortgage loan plans we have available, there's sure to be one that fits your needs:
- 100% financing on single family residence (no condos)10
- Fixed rate loans with terms of 10, 15, 20 and 30 years11
- ARM loans available10
- And much more
Plus, for a limited time only, when you finalize your mortgage purchase or refinance, take $500 off of closing costs!9
Refer A Friend & Earn Some Green
Refer your friends and family, and each of you could receive $25!12
- Forward our referral flyer to anyone you think would benefit from joining Neighbors Credit Union (click here to download/print it).
- They bring our flyer into any Neighbors branch and open either a new:
Bring your friends and family to our side of the fence, where the grass is greener!1To be eligible for the $300 award, a new Neighbors checking account with eStatements and recurring direct deposits must have direct deposits totaling at least $1,000 in a given statement period within 90 days of account opening. Must present coupon to receive $300. $300 will be awarded within 90 days of coupon presentation and confirmation of eligibility. Cannot be combined with any other offers. Subject to 1099 reporting. Not valid for previous Neighbors Credit Union checking accountholders. 2APR=Annual Percentage Rate. Rates and terms are subject to credit qualifications. Rate based on a 60-month term. Financing $10,000 at 1.99% APR for 60 months would be $175.23 a month. 1.99% APR includes checking, direct deposit and automated payment discounts. All rates shown are 0.25% higher without special offer, checking, direct deposit and automated payment. Offer valid on refinances with a minimum $5,000 financed. Offer does not apply to financing or refinancing a Neighbors Credit Union auto loan. 3Interest will continue to accrue during deferral period. Offer valid on refinances with a minimum $5,000 financed. Offer does not apply to financing or refinancing a Neighbors Credit Union auto loan. 4APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Purchases, balance transfers and cash advances completed 11/1/17 through 11/30/17 will receive a 3.99% APR for 12 months. After 12 months, remaining balances will revert to the standard APR applicable on your account. If you are charged interest, the charge will be no less than $1. For new cardholders only; current cardholders, Secured and Business credit cards ineligible for offer. Visa Platinum Rewards rates as low as 10.95% to 20.95%, when you open your account, based on creditworthiness. 5Offer valid 11/1/17-1/2/18 for new cardholders only; current cardholders ineligible for offer. 6$500 will be given as a lender credit at closing. Subject to appraisal and underwriting terms and conditions. Mortgages available in Missouri and Illinois only. This is not a credit decision or a commitment to lend. Neighbors Credit Union: NMLS #509288. 7APY=Annual Percentage Yield. Minimum of $1,000 in new funds only, not currently on deposit at Neighbors Credit Union. Checking and direct deposit must be established within 90 days of certificate opening. Rates are 0.25% lower without checking and direct deposit. Rates and terms are subject to change without notice. Penalties apply for early withdrawals. Fees could reduce earnings on account. Interest will be paid quarterly. Offer valid for a limited time only. All offers (except CDs) valid 11/1/17-11/30/17 only at the Ellisville branch, unless otherwise noted. Cannot be combined with any other offers. Member eligibility required. Restrictions apply on all offers. See Neighbors Credit Union for full details on all offers. 8APR=Annual Percentage Rate. Rates and terms are subject to credit qualifications. Rate based on a 36-month term. Financing $10,000 at 1.99% APR for 36 months would be $286.38 a month. 1.99% APR includes checking, direct deposit and automated payment discounts. All rates shown are 0.25% higher without special offer, checking, direct deposit and automated payment. Offer does not apply to financing or refinancing a Neighbors Credit Union auto loan. Offer begins 6/1/17 and is for a limited time only. Interest will continue to accrue during deferral period. Membership eligibility required. Restrictions apply. See Neighbors Credit Union for full details.
9 Offer must be presented at time of loan application. Membership eligibility required. Must apply by 12/31/2017. Restrictions apply. See Neighbors Credit Union for full details.
10100% financing loan program is based on a maximum total combined loan amount of $400,000 and a minimum total combined loan amount of $100,000. The program is based on a 95% first mortgage and 5% second mortgage. The first and second mortgages may be Fixed or Adjustable Rate Mortgages. Minimum 720 FICO score required. Owner-occupied one unit single family residence only. Single-wide manufactured housing does not qualify. Mortgage insurance required. Escrow account for insurance and taxes required. Member must have $1,000 of their own funds towards transaction for closing costs or down payment. Loan origination and other fees may apply. For example, for a Fixed Mortgage with a purchase price of $125,000.00, if the $1,000.00 is used as a down payment and $124,000.00 is financed at 4.50% fixed interest rate, the monthly payment would be $628.29 for 360 months. Sample payments only include interest and principal. For Adjustable Rate Mortgages with a 0% down payment, the loan has a variable rate with the possibility for the interest rate and payment to increase or decrease as set forth in the example above. Member must have direct deposit into Neighbors Credit Union Checking or Savings Account before closing. Subject to appraisal and underwriting terms and conditions. Other restrictions may apply. Mortgages available in Missouri or Illinois only. Contact credit union for full details.
11Rates are fixed or variable, based on your final loan amount and finance charges. The actual interest rate and fees available to you will be based on your credit history, property type, loan to value, and may be different than the rates displayed here. Please contact a loan officer for current rates and fees. Rates are subject to change without notice. Additional rates and terms may be available. Mortgages available in Missouri and Illinois only. Available only on owner-occupied, one unit, single family primary residences. Membership eligibility required. Restrictions apply. Please call 314-892-5400, ext. 11095, for details on all products. Fixed Mortgages: Minimum down payment of 5% (or 3% for EZ-3 Mortgage) required. For example, a $125,000 purchase price with $3,750 (3%) down payment and $121,250 financed at 4.00% fixed interest rate would result in a monthly payment of $734.75 for 240 months. Sample payment only includes principle and interest. Adjustable-Rate Mortgages: Minimum down payment of 5% (or 3% for EZ-3 Mortgage) required. Variable-rate loans have the possibility for the interest rate and payment to increase or decrease. For example, the 5/1 ARM is an adjustable-rate mortgage amortized over a thirty (30) year period. For the first five (5) years the loan is fixed. Following the initial fifth (5th) year of the loan, the interest rate may adjust by two percent (2%) every one (1) year thereafter with a lifetime cap of no more than six percent (6%) over the initial note rate. Minimum loan amount of $50,000 required. The interest rates used in the foregoing examples are based on current market rates, are for purposes of example only and are not meant to be relied upon. This is not a credit decision or a commitment to lend. Depending on loan guidelines, mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the annual percentage rate ("APR”) and the monthly mortgage payment. APR reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, mortgage insurance, discount points (also referred to as "points”) and loan-origination fees. Neighbors Credit Union: NMLS #509288
12Membership eligibility required. Restrictions apply. New member must present flyer and open a new checking account with direct deposit and eStatements and/or a loan or credit card with at least a $5,000 balance within 90 days. Cash bonus will be paid within 90 days of loan closing and/or checking account opening with direct deposit and eStatements and subject to 1099 reporting. Direct deposit and eStatements must be active within 90 days from time of checking account opening. Offer begins 01/01/17 and is for a limited time only. Restrictions apply. See credit union for full details.
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