Open Account
High Yield Checking0.01%-4.25% APY1 |
| A free, high yield checking account. |
| ATM withdrawal fee refunds up to $15.¹ |
| No minimum balance. |
| Open Now |
Cash Back CheckingCash Back Rewards² |
| A free, cash back rewards checking account. |
| ATM withdrawal fee refunds up to $15.2 |
| No minimum balance. |
| Open Now |
Priority CheckingOverdraft Fee Forgiveness†Learn More
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| Overdraft fee forgiveness† & low opening deposit checking account. |
| No minimum balance. |
| Reduce or eliminate your monthly fee.3 |
| Open Now |
Fresh Start Checking |
| A checking account to help you get back on your feet. |
| $20 monthly service fee. |
| Eligible to convert to another checking account after 6 months. |
Student Accounts |
| Ages 13 - 17 |
| Free checking and savings accounts |
| Parent or guardian must be co-owner to open account |
| Open Now |
1High-Yield Checking qualifications that must be met to obtain the 4.25% APY and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have at least one (1) automatic ACH payment or direct deposit post and settle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle. Rates may change after account is opened. Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 4.25%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 4.25% to 1.48% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.
2Cash Back Checking qualifications that must be met to obtain cash back rewards and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have at least one (1) automatic ACH payment or direct deposit post and settle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle. Qualification Cycle and Statement cycle = first day of month through last day of month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; and (b) you will receive 3% cash back on purchases up to $300 for a total of $9 per month on combined debit and credit card purchases. If qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Minimum to open is $25. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.
3Restrictions apply. Priority Checking begins with a $11.99 base service charge monthly fee that can be reduced or eliminated. The fee is reduced by $1.00 each Monthly Qualification Cycle for receiving electronic statements. The fee is reduced by $.20 each time you use your debit card to make a signature-based purchase during the Monthly Qualification Cycle (purchase must be $5 or more; ATM and PIN based transactions are excluded). Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. Transactions may take one or more banking days from the date the transaction was made to post to and settle account. See the Fee Schedule here. **Overdraft Fee Forgiveness applies only to fees charged for overdraft and Courtesy Pay and is granted upon request on an annual basis. Relationship Fee refunds received during the calendar year will count toward the annual limit of $40.
†Overdraft Fee Forgiveness applies only to fees charged for overdraft and Courtesy Pay and is granted upon request on an annual basis.
View the Truth-in-Savings Disclosures and Notice Documents.
Prize Savings0.10% APY1 |
| Minimum Deposit: $25 |
| Win cash and prizes just for saving your money. |
High Yield Savings3.00% APY2 |
| Minimum Deposit: $10,000 |
| 24/7 access to funds and no maintenance fees. |
Certificates of Deposit2.65%-3.65% APY3 |
| Minimum Deposit: from $500 |
| Multiple terms and rates available for low-risk investment. |
Individual Retirement (IRA)0.10% APY3 |
| Minimum Deposit: $100 |
| Save for retirement with a Traditional IRA or Roth IRA. |
Christmas Club0.10% APY4 |
| Minimum Deposit: $100 |
| Withdrawals not allowed until November for holiday spending. |
Kids Savings0.10% APY5 |
| Minimum Deposit: $25 |
| For kids ages 0 - 12 years old. |
Special Savings0.10% APY* |
| Minimum Deposit: $25 |
| For teens or to use as a secondary savings account. |
Minor Accounts |
| Ages 13 - 17 |
| Free checking and savings accounts |
| Parent or guardian must be co-owner to open account |
| Open Now |
Share rates current as of March 1, 2023.
1Prize Savings: Prize Savings Account - Limit one (1) Prize Savings account per membership. Must be 18 years of age or older. Minimum deposit of $25 to open. Receive one (1) entry for every $25.00 weekly average daily balance for Weekly Giveaway. Receive one (1) entry for every $25.00 monthly average daily balance for Annual Grand Prize Giveaway. Please refer to the Official Prize Entry Rules at www.myncu.com/prize-rules for details. Winners will receive a 1099-MISC at the end of each year for tax reporting. Federally Insured by NCUA.
2High Yield Savings: APY = Annual Percentage Yield. Rates are subject to change at any time. Minimum $10,000 deposit required to open account. Minimum balance of $10,000 required to earn 3.00% APY, balances under $10,000 earn 0.00% APY. Three (3) withdrawals allowed per month, each withdrawal after will incur a fee. Minimum balance fee assessed per month if balance below $10,000. Please see fee schedule for details.
3Standard CD: Rate subject to change. Minimum opening deposit is $2,500 for all standard, IRA, and Roth IRA certificates. Interest is compounded daily. An interest penalty is required for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
4Christmas Club: APY=Annual Percentage Yield. Account earns a rate of 0.10% and an APY of 0.10%. Minimum deposit to open $25.00. Minimum average daily balance to earn dividends and stated APY is $100.00. Dividends compounded and paid monthly. Account withdrawal limitations apply. See fee schedule for details. Federally Insured by NCUA.
5Kids Savings: For children under the age of 13. Minimum deposit to open is $25. Account opened as a sub-account under the parent or eligible adult. The parent or eligible adult must have an existing membership with Neighborhood Credit Union. The social security number and any tax related reporting will be the parent or eligible adult's information. The Kids Savings Account (Cub Account) rewards and giveaways based on program details may change at any time and awards are subject to availability. Once the child is 13 years of age (or a minimum of 8 years and has the ability to sign a document with a cursive signature), the child is eligible to open their own Membership Savings Account with a parent or eligible adult as a joint owner if they meet the qualifications for membership and provide their social security number.
*APY = Annual Percentage Yield. Rates are subject to change at any time. Please see the Rates & Fees page for details. View the Truth-in-Savings Disclosures and Notice Documents.
Visa Signature® Cash Rewards1.50% cash back on all purchases5 |
| Earn 1.50% cash back on all of your purchases.5 |
| No annual fee or balance transfer fees. |
| Low variable interest rate from 16.00% and that will never go above 18.00%.5 |
Visa Platinum0.00% Intro APR‡ |
| No annual fee or balance transfer fees. |
| Auto Rental Collision Damage Coverage |
| Introductory APR for up to 6 months, then variable APR is based on your creditworthiness from 13.00% up to 18.00%‡ |
5Must be 21 years or older to apply. Minimum credit line is $5,000. APR based on creditworthiness. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 2% of total new balance or $25.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. No balance transfer fees. Additional limitations, terms and conditions may apply. Equal Opportunity Lender. Read the Visa Rewards Credit Card Disclosure. View the Rewards Guide to Benefits.
‡Must be 21 years or older to apply. Introductory APR only applicable to new credit card applications. 0% Introductory APR for 6 months from issuance of the card. After the introductory period, APR will be adjusted based on creditworthiness. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 2% of total new balance or $25.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. No balance transfer fees. Additional limitations, terms and conditions may apply. Equal Opportunity Lender. View the Platinum Credit Card Disclosure and the Guide to Benefits.
Inflate My Rate CD |
| A short-term certificate of deposit that allows one opportunity during the term to request your rate be matched to the 18-month CD rate.¹ Already a member? Open Your CD Here |
| Fixed Interest Rate: 4.16% |
| Minimum Opening Deposit: $2,500 |
| Term: 25 Months |
| Rate Match: One rate match to our Standard 18-Month CD rate allowed during 25-month term. How do I request my rate match? |
| Good to Know: No additional deposits allowed. After 25-months, this CD converts and renews as a Standard 18-Month CD. |
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Online Savings |
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An exclusive rate only available online with additional deposits allowed.
Already a member? Open Your CD Here
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| Fixed Interest Rate: 4.11% |
| Minimum Opening Deposit: $1,500 |
| Term: 17 Months |
| Good to Know: Must be 18 years of age or older. |
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FlexPlus |
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A short-term length option with a low opening deposit and additional deposits allowed.
Already a member? Open Your CD Here
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| Fixed Interest Rate: 3.92% |
| Minimum Opening Deposit: $500 |
| Term: 12 Months |
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1Rates effective March 31, 2023. Inflate My Rate CD: APY = Annual Percentage Yield. Must be 18 years of age or older to open Certificate of Deposit. Rates subject to change. Interest is compounded daily. $2,500 minimum deposit to open. Only one rate increase allowed during 25 month term. Rate increase is not automatic and is dependent on member request by secure communication or verifiable documents. Rate increase will have an effective date that begins on date of confirmed request and will be in effect from that date till term end. Rate increased interest rate is dependent on Neighborhood CU's 18 month CD. If our 18 month CD rate increases during your Inflate My Rate CD's 25 month term, request a rate increase and we'll increase your Inflate My Rate CD's interest rate to match the 18 month CD rate. The new rate is locked in until end of the term. At the end of the 25 month term, Inflate My Rate CD converts and renews as a standard Neighborhood CU 18 month CD. Cannot be combined with any other rate offers or rate increase promotions. Not offered on trusts, business accounts or Individual Retirement Accounts (IRAs). An interest penalty is required for early withdrawal. Fees may reduce earnings. Federally insured by NCUA.
2Rates effective March 31, 2023. Online Savings CD: Fixed interest rate at 4.11%. Rate subject to change. Minimum opening deposit is $1,500. Additional $25 minimum deposits allowed. An interest penalty is required for early withdrawal. Online certificate products must be opened online and are only eligible to those 18 years of age or older. Fees may reduce earnings. Federally Insured by NCUA.
3Rates effective March 31, 2023. Standard CD: Rate subject to change. Minimum opening deposit is $2,500 for all standard, IRA, and Roth IRA certificates. Interest is compounded daily. An interest penalty is required for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
4Rates effective March 31, 2023. Flex Plus CD: Fixed interest rate at 3.92%. Rate subject to change. Minimum opening deposit is $500. Additional $25 minimum deposits allowed. An interest penalty is required for early withdrawal. Online certificate products must be opened online and are only eligible to those 18 years of age or older. Fees may reduce earnings. Federally insured by the NCUA.
Please see the CD Truth-in-Savings Disclosures for additional information.
Get paid up to 2 days early.*
Depending on your employer, you can get your direct deposit up to 2 days earlier than payday with a Neighborhood Credit Union checking account.
*Neighborhood Credit Union may give early access to direct deposit funds from your employer, payments and credits into your account, or government deposits and payments depending on when the deposit or payment file is submitted to Neighborhood CU. Weekends or bank holidays may affect the posting date. As a result, the availability or timing of early direct deposit may vary from pay period to pay period. Fraud prevention restrictions may apply and delay early availability of funds. Early availability is not guaranteed. Additional restrictions may apply.
| Simply meet one of the below criteria OR be related to someone who does: | |
| Live or work in: |
Dallas County
Ellis County Denton County
Collin County
Tarrant County
City of Arlington |
| Live, work, worship, or attend school within a 10 mile radius of the branches in: | Coppell Grand Prairie Highland Village |
| Currently employed or retired from: | A Company Served by Neighborhood Credit Union Dallas United States Postal Service Arlington United States Postal Service |
| Become a member of the Neighborhood Credit Union Foundation, which is automatically done for you upon approval, and live in: | Texas |
| A member or potential member of the American Consumer Council and reside in one of the following counties: | Delta Denton Hunt Johnson Kaufman Parker Rockwall Tarrant Wise |
All Neighborhood Credit Union accounts feature:
Surcharge-Free ATMs
The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
Courtesy Pay
Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.
Earn Cash, Refer Friends
Whenever you refer family or friends who do not have a membership with us you'll receive $100.00* when they open a new member checking account.
Mobile Wallet
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
Send Money with Zelle®
Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to an account, and all you need is the recipient's email or U.S. cell number.
GreenPath Financial Wellness
With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
Why Join a Credit Union
We are a not-for-profit owned and governed by the members.
Not only are our members a part of our community, they are stakeholders of the credit union and are key players to how we operate.
Credit Unions offer better rates than the big banks.
Credit Unions are different because our goal is not to make a profit from our customers. We are in the business of helping people achieve their short and long-term financial goals for their families as well as help them live a life of financial freedom.
Earnings are returned to you, the members, in the form of great rates and lower fees.
We’re not like banks where the profits go straight into the pockets of shareholders. Our earnings go straight back to you in the form of better rates, dividends, and lower fees.
Be a part of a community where you’re not just an account number.
Through unique products and community investment, including college scholarships and financial education, Neighborhood Credit Union helps its North Texas neighbors improve their financial health and well-being.
Who We Are
Formerly known as Dallas Postal Credit Union, Neighborhood Credit Union opened its doors to its first members in April 1930, just months after the U.S. stock market crashed. During the Great Depression, when Americans’ trust in financial institutions were at their lowest, Dallas Postal Credit Union won that trust and loyalty of its charter members. In 2001, we officially changed our name to Neighborhood Credit Union, a name that more accurately reflects the diverse base of members from all over the Dallas area.
Neighborhood Credit Union now serves the entire state of Texas with over 56,000 members and assets that top $1 billion. Our ongoing effort to offer members convenient services in their communities and mobile access wherever they go has made us a top-rated credit union in the Dallas-Fort Worth area.