Mortgage Rates

Get into your dream home with Neighbors-friendly financing.

Our lower mortgage rates hold down your monthly payments and leave you with more money for remodeling, furnishings and everything else in life.

The right fit for your new place

We offer fixed-rate mortgages of up to 30 years with options for first-time buyers, people building their own home on a lot and homeowners looking for Jumbo Mortgages. 

Lot & Land Loans

Effective Date: June 5, 2026
Loan Type Term Interest Rate Points APR*
Land (Lot in a Subdivision)12 year5.000%1%5.493%
Land or Acreage12 year5.000%1%5.493%

*APR = Annual Percentage Rate. Rates quoted are not locked in and are subject to change. Rates are not locked until a rate lock acknowledgment has been signed. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. Interest rates and APRs are based on current market rates and are for informational purposes only. Rates are subject to change without notice and APR (Annual Percentage Rate) calculations are based on certain assumptions related to closing costs and fees. Maximum loan limits and minimum equity/down payment requirements may apply.

First Mortgage Purchase & Refinance

Effective Date: June 5, 2026
Term Loan Amount Maximum Financing Points Rate APR*
10 year$60,000 - 832,7509705.375%5.781%
15 year$60,000 - 832,7509705.625%5.918%
20 year$60,000 - 832,7509706.000%6.314%
30 year$60,000 - 832,7509706.125%6.498%
30 year Jumbo$832,750 - 1,000,0008506.250%6.325%

*APR = Annual Percentage Rate
Rates quoted are not locked in and are subject to change. Rates are not locked until a rate lock acknowledgment has been signed. Rates are based on certain assumptions.
The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. Interest rates and APRs are based on current market rates and are for informational purposes only. Rates are subject to change without notice and APR (Annual Percentage Rate) calculations are based on certain assumptions related to closing costs and fees.
Maximum loan limits and minimum equity/down payment requirements apply.

 
 

Home Equity Line of Credit

Effective Date: June 5, 2026
Draw Term Repayment Term Beginning APR
Introductory Rate*Good for the first 12 months3.99%
120 Months**240 Months6.25%
APR = Annual Percentage Rate *This is a limited time offer. **APR quoted is tied to the Prime index as published in the Wall Street Journal and is subject to change based on Prime index movement, subject to a limit on increase of 6% over the term of the loan. Cap on annual limit on APR increase or decrease of 2% and subject to a floor. Initial interest rate may be higher based on an evaluation of your credit. Maximum APR of 18.00%. Consult a tax advisor regarding the deductibility of interest and charges under the plan. Introductory interest rate will be good for the first 12 months of the loan and may be higher based on an evaluation of your credit. Rates and terms are subject to change without notice. Other conditions may apply.

Neighbors Federal Credit Union is a full-service financial institution with branches serving the South Louisiana parishes of Ascension, East Baton Rouge, East Feliciana, Iberville, Livingston, Pointe Coupee, St. Helena, West Baton Rouge and West Feliciana.