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									Savings and Investment Rates                                                                                                                                       President's
Individual Retirement Accounts (IRA)
Prospective IRA Dividend Rates effective October 1, 2007 - December 31, 2007                                                                                       Message
                    Dividend Rate 2.50% Annual Percentage Yield 2.52%                                                                                                                                                                                                                                               October 2007   Neighbors Federal Credit Union
No minimum balance required. The dividend rate and annual percentage yield may change every dividend period. Dividends are
                                                                                                                                                                   Since 1948, International
  calculated on a daily balance method and are compounded and credited every quarter. Early withdrawal subject to penalty.
                                                                                                                                                                   Credit Union Day has
            CD
                                                  IRA Certificates
                                                            Dividend Rate                                                           APY
                                                                                                                                                                   been celebrated annually
                                                                                                                                                                   on the third Thursday of                                The average cost of nursing home care has soared to
                                                                                                                                                                                                                                                                                                                        Resisting the Lure of
     12     Months                                              5.00%                                                              5.12%
     24
     36
            Months
            Months
                                                                4.85%
                                                                4.90%
                                                                                                                                   4.96%
                                                                                                                                   5.01%
                                                                                                                                                                   October. Each year, it Norman Thompson                  nearly $62,000* a year - so now, more than ever, it’s
                                                                                                                                                                                                                               important to have long term care coverage.
                                                                                                                                                                                                                                                                                                                          In-store Credit
     48     Months                                              4.95%                                                              5.06%                           affords the opportunity to         President / CEO

     60     Months                                              5.00%                                                              5.12%                           remember our proud history and promote                    Help protect your assets - Preserve your savings,
                                                                                                                                                                   understanding and support for the credit union
Term Share Individual Retirement Account with $1500 minimum balance required to earn the disclosed Annual Percentage Yield until maturity. $1500 minimum opening
                      deposit. Dividends are compounded and posted monthly. Early withdrawals are subject to penalty. Rates subject to change.
                                                                                                                                                                                                                             rather than spend them for long-term care. Without
                                          Jumbo IRA Certificate                                                                                                    difference. This year’s theme, “Together We’re               coverage, all of your savings could be at risk.
.25% higher rate than IRA Certificates. $100,000.00 deposit and minimum balance required.                                                                          Better,” reflects the value of credit union             Help protect your freedom of choice - Maintain your
                                                                                                                                                                   cooperation on all levels for members from all          independence and choose the quality of care you want.
                                             Share Certificates                                                                                                                                                            Long-term care insurance can help to cover home care,
                                               Transferred Rate                                                 Compounded Rate                                    walks of life. Working together, credit unions build
                                                                                                                                                                                                                           adult day care, nursing home care or care in an assisted
      CD                                   Rate                              APY                               Rate                             APY                stronger institutions and more effectively serve                             living facility.
   6 Months                               4.75%                             4.81%                            4.75%                             4.85%               their members.                                                                                                                                   “Would you like to open a credit card
  12 Months                               5.00%                             5.00%                            5.00%                             5.12%                                                                        To assess your needs for long term care coverage,
  24 Months                               4.85%                             4.85%                            4.85%                             4.96%               Credit unions are not-for-profit financial                                  please contact:                                                        with us and save 10% today?”
  36 Months
  48 Months
                                          4.90%
                                          4.95%
                                                                            4.90%
                                                                            4.95%
                                                                                                             4.90%
                                                                                                             4.95%
                                                                                                                                               5.01%
                                                                                                                                               5.06%
                                                                                                                                                                   cooperatives that provide an effective and viable                 Neighbors Financial                                                            We are all familiar with this now common
  60 Months                               5.00%                             5.00%                            5.00%                             5.12%               alternative to for-profit financial institutions for           Investments and Insurance                                                         question and most of us find it pretty easy to
                                                                                                                                                                   more than 172 million members in 97 countries.                                           Located at:
                                                                                                                                                                                                                                                                                                                    resist the offer when making small purchases.
Term Share Individual Retirement Account with $1500 minimum balance required to earn the disclosed Annual Percentage Yield until maturity. $1500 minimum opening
                      deposit. Dividends are compounded and posted monthly. Early withdrawals are subject to penalty. Rates subject to change.


                                                                                                                                                                   They are member-owned and exist to provide a               NEIGHBORS FEDERAL CREDIT UNION
                                     Jumbo Share Certificate                                                                                                                                                                                                                                                        But with larger purchases offering larger
                                                                                                                                                                   safe place to save money and access affordable               Debby Anselmo                               Jason Knapps
.25% higher rate than Share Certificates. $100,000.00 opening deposit and minimum balance required.
                                                                                                                                                                   loans.                                                          Financial Advisor                         Financial Advisor                      discounts, the offer can be quite a bit more
  Share (Savings) Accounts - Regular Savings, Extra                                                                                                                                                                             Located at Neighbors                      Located at Neighbors                      tempting. Nevertheless, declining offers of
Savings, Youth Savings, Summer Savers, Christmas Club                                                                                                              Internationally, credit unions are recognized as a            Perkins Rd branch                           Zachary branch
                                                                                                                                                                                                                                 Office: 225.819.5796                      Office: 225.819.5790                     in-store credit is generally the smart move.
                    Prospective Dividend Rate effective October 1, 2007 - December 31, 2007
                                                                                                                                                                   force for positive economic and social change and              Fax: 608.218.2305                         Fax: 225.819.8923
       Minimum balance
             to Earn APY
                                                                             Dividend
                                                                               Rate
                                                                                                                                        APY                        have found great success in both industrialized and                Toll Free:                                Toll Free:                          Most people don’t realize that opening
    Shares          $100                                                      1.25%                                             1.26% APY                          emerging nations. They are built on a one member /           866.819.2178 ext 5796                     866.819.2178 ext 5790                     several lines of credit can actually lower your
    Youth Shares      $5                                                      1.25%                                             1.26% APY                          one vote model that provides members with a                                                                                                      credit score, making you seem like a poor
Dividends are calculated on a daily balance method and are compounded and credited every quarter. Fees can reduce earnings
on accounts. The advertised annual percentage rates and yields are accurate as of October 1, 2007 and subject to change.
                                                                                                                                                                   unique opportunity to experience democracy                                                                                                       credit risk to potential lenders. Having one or
                                                                                                                                                                   firsthand.
Contact credit union for more information on fees and terms applicable to advertised accounts.


                                                                                                                                                                                                                                                                                                                    two credit cards allows you to build better
           Platinum Checking - Dividend Bearing Checking                                                                                                           Neighbors Federal Credit Union is proud of its                                                                                                   credit while still conveniently making your
                                                                                                                                                                   own history of serving the Greater Baton Rouge                                                                                                   purchases. A Neighbors credit card is safer to
    Minimum Balance                                                          Dividend                                                   APY                                                                                           Debby Anselmo                              Jason Knapps
       to earn APY                                                             Rate                                                                                Area for over 50 years. Please visit one of our                     Financial Advisor                          Financial Advisor
                                                                                                                                                                                                                                                                                                                    carry than cash and is not subject to the
         0 - 2,499.99                                                           0.00%                                                0.00%                         seven local branches on October 18 to help us
                                                                                                                                                                                                                                                                                                                    exceedingly high interest rates normally
       2,500 - 4.999.99                                                         0.50%                                                0.50%                         celebrate International Credit Union Day.
                                                                                                                                                                                                         ay.
       5,000 - 9,999.99                                                         0.75%                                                0.75%                                                                                                                                                                          associated with in-store credit. Plus, it comes
          10,000 +                                                              1.00%                                                1.00%
                                                                                                                                                                   Norman Thompson                                                                                                                                  with benefits like a low fixed rate, special
                                                                                                                                                                   President and CEO
Dividends are calculated on a daily balance method and are compounded and credited every month. Fees can reduce earnings
on accounts. The advertised annual percentage rates and yields are accurate as of October 1, 2007 and subject to change.
                                                                                                                                                                                                                            * National MetLife Market Survey of Nursing Home and Home Care Costs, September 2004
                                                                                                                                                                                                                          Representatives are registered through, and securities are sold through, CUNA Brokerage
                                                                                                                                                                                                                                                                                                                    balance transfer offers, as well as Neighbors
                                                                                                                                                                                                                                                                                                                    service. Call, click or come by today to get
Contact credit union for more information on fees and terms applicable to advertised accounts.
                                                                                                                                                                                                                          Services, Inc. (CBSI), member NASD/SIPC. 2000 Heritage Way, Waverly, Iowa 50677, toll
                                                                                                                                                                                                                          free (866) 512-6109. Insurance sold through licensed CUNA Mutual Life Insurance
                                                                                                                                                                                                                          Company Representatives, and in New York, licensed insurance representatives of other
                                                                                                                                                                                                                          companies. Nondeposit investment products are not federally insured, involve investment   more information.
                                                                                                                                                                                                                          risk, may lose value and are not obligations of or guaranteed by the credit union.
   Neighbors Salutes Area                                                 Annual                                                                                                                                 g
                                                                                                                                                                                                     Avoid getting
    Teachers of the Year!                                                 Business
                                                                                 s                                                                                                                   deep in
    We are proud to recognize these outstanding
     educators as distinguished members of our
   community, and appreciate their hard work and
                                                                          Meeting                                                                                                                    debt during
              dedication to education.
        Congratulations on a job well done!
                                                                          Scheduled
                                                                                 ed                                                                                                                  the holidays
                                                                          Neighbors Federal Credit Union will hold its
                                                                                         eral                                                FREE CHECKING                                              Budget Holiday spending: Right now,
                                                                          Annual Business Meeting on T
                                                                                         s             Tuesday, March 18,                    PLUS DIVIDENDS                                          decide how much you can afford to spend and
                                                                                                                                                                                                     stay within that budget.
                                                                          2008 at Christian Life Academy, 2037 Quail
                                                                          Drive, Baton Rouge, Louisiana. Please see the                Earn money on your account                                       Make a list: Staying within this budget will
                                                                          Annual Meeting notice enclosed in your
                                                                          statement for more information.
                                                                                 nt           inform
                                                                                                                                        while still having access to                                 be much easier if you make a price list of all gifts
                                                                                                                                                                                                     and other holiday items you plan to purchase. It’s
                                                                                                                                                 your fundss                                         easy to overlook extra expenses for holiday foods,
             East Baton Rouge Teacher of the Year                                                                                                                                                    party clothes, holiday decor and postage.
Pictured left to right: Mayor / President Kip Holden; Susan Snowbarger,
Northdale Academy High School; Charlotte Placide, Superintendent of                                                                                                                                     Comparison shop: You can easily save
   EBR Schools; Joy Hammett, Westdale Heights Academic Magnet
   Elementary; Emily Compton, Park Forest Middle School; Norman                           Just a reminder...
                                                                                          Ju                                                                                                         more than 10 percent on most items, sometimes
     Thompson, President / CEO, Neighbors Federal Credit Union
                                                                                       Christmas Club deposits                         Home Equity Line of Credit                                    considerably more, by comparing prices at
                                                                                                                                                                                                     different stores. The easiest way to do this is to
                                                                               will be made November 1st. Give
                                                                                                                                                        %
                                                                                                                                                     4.9APR
                                                                                                                                               as low as
                                                                                                                                                                                                     identify sellers using the Yellow Pages, then call
                                                                          us a call to set up your Christmas Club                                                                                    several. Or use the internet to compare offers
                                                                          for next year.                                                                                                             online.
                                                                                                                                         Call, click or come by for more information.
                                                                                                                                                                                                        Pay off debts quickly: If you
                                                                                                                                                     www.neighborsfcu.org
                                                                          Being Good Neighbors...                                                                                                    must make holiday purchases
                                                                                                                                                                                                     using credit, plan to pay off
                                                                                                    Neighbors was proud to present                                Neighbors was proud to be a
                  Zachary Teacher of the Year
                                                                                                    this check for $5,510.19 to the                               part of the recent Family
                                                                                                                                                                                                     this debt as soon as possible.
Pictured left to right: Tonja Granville, Northwestern Elementary; Carla
  Murray, Northwestern Middle; Megan Noel, Zachary Elementary;                                      American Cancer Society. This                                 Resource Center Fundraiser in
   Melinda Trawick, Copper Mill Elementary and Megan Buccere,                                       money was raised through                                      Denham Springs. The event            Plan for next year by
                           Zachary High School                                                      Neighbors participation in                                    was held to help raise funds for   opening a Christmas Club
                                                                                                    the 4th Annual Credit Union                                   the non-profit Family Resource
                                                                                                    Charity Golf Classic.                                         Center, which depends on the       account: This account provides a practical way
 Upcoming Credit Union Holidays                                                                                                                                   generosity of the community so
                                                                                                                                                                  that they may provide valuable
                                                                                                                                                                                                                to save money for Christmas.
 Columbus Day                                      October 8                                                                                                      family services.                                   Neighbors can automatically
 Veterans Day                                   November 12                                                                                                                                                          transfer funds from your
                                                                                                    The Neighbors Marketing                                       Darlene Shingleur, Business                        checking to your Christmas Club
 Thanksgiving                                   November 22                                         Department recently took time                                 Development Officer with the
                                                                                                                                                                                                                     account every month. The
                                               *November 23                                         out to assist the new Central                                 Neighbors Marketing
                                                                                                    School System by helping to                                   Department, was recently                          discipline of saving reinforces
 Christmas Eve                                  December 24                                         repaint Bellingrath Hills Elem..                              honored by being named the         your good budget intentions.
 Christmas                                      December 25                                         Pictured from left to right:
                                                                                                    Dewey Richardson, Dan
                                                                                                                                                                  United Way Coordinator of the
                                                                                                                                                                  Year for the Capital Area.
 New Year’s Eve                                *December 31                                         Robichaux, Trisha Pourciau,                                                                                               Your savings federally insured to at least $100,000
                                                                                                                                                                                                                     and backed by the full faith and credit of the United States Government




 New Year’s Day                               January 1, 2008                                       Nathan Henson, Aundriel Potier,
                                                                                                    Darlene Shingleur, Chad Lopez.
              *Neighbors will close at 1:00 p.m.
                                                                                                                                                                                                                        National Credit Union Administration, a U.S. Government Agency

								
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