Apply for a Loan
New & Used Purchasestarting at 2.69% APR¹Learn More
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| Apply online and make no payments for 120 days.† |
| GAP, Dent Guard, and Extended Warranty insurance available. |
| Estimate your auto loan payment with our loan calculator. |
| Apply Now |
Refinance Your Vehiclestarting at 2.69% APR¹Learn More
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| Apply online and make no payments for 120 days.† |
| GAP, Dent Guard, and Extended Warranty insurance available. |
| Estimate your auto loan payment with our loan calculator. |
| Apply Now |
Boat, RV, & Motorcyclesstarting at 3.19% APR¹Learn More
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| Loans for new, used, refinancing, and recreational vehicles. |
| GAP, Dent Guard, and Extended Warranty insurance available. |
| Apply Now |
New & Used Auto Loan Rates
Rates Effective: March 18, 2020. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
| Loan Terms | Interest Rate |
|---|---|
| Auto Purchase or Refinance | |
| 60 months or Less | As low as 2.69% APR |
| 72 months | As low as 3.95% APR |
| Other Vehicle Loans or Refinance (RV, Boat, Motorcycle) | |
| 60 months or less | As low as 3.19% APR |
| 72 months | As low as 4.45% APR |
¹APR = annual percentage rate. With approved credit. Rate subject to change.
*Interest begins accruing the day the loan is funded. Offer valid for a limited time only. Does not apply to vehicles currently financed through Neighborhood Credit Union. Up to 120 Days No Payments based on credit qualification. To be eligible for 120 Days No Payments applicant must have a credit score of 700 or above. Offer valid until October 31, 2020..
†Interest begins accruing the day the loan is funded. Offer valid for a limited time only. Does not apply to vehicles currently financed through Neighborhood Credit Union.
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We're here to help COVID-19 impacted members. Apply for a 12 month term personal loan with up to 90 days no payments.*
Use promo code COVIDHELP when you apply. Personal Loansstarting at 7.49% APR¹Learn More
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| Take a vacation, consolidate bills, fund home or auto repairs, or even if you just need some cash. |
| Apply Now |
Line of Creditstarting at 7.49% APR¹Learn More
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| Get access to a pre-approved amount of extra cash through withdrawals, Online Banking & overdraft protection. |
| Apply Now |
Share Secured LoansLearn More
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| Use the funds in your savings, CD or Money Market account as security against the loans. |
| Enjoy low rates while you continue to earn dividends on your savings. |
| Apply Now |
Personal Loan Rates
Rates Effective: March 18, 2020. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
| Term | Rate |
|---|---|
| Unsecured Line of Credit | |
| 36 months or Less | As low as 7.49% APR |
| 37 – 60 months | As low as 8.99% APR |
| Unsecured Personal Loans | |
| 36 months or less | As low as 7.49% APR |
| 37-60 months | As low as 8.99% APR |
¹APR = annual percentage rate. With approved credit. Rate subject to change.
*Must be 18 years of age or older and a member of Neighborhood Credit Union. Credit application and approval required. Loan amount will be determined by credit qualifications. Total repayment amount based upon amount borrowed, interest rate and amount of time it takes to pay off the loan. Offer valid for a limited time only. Must use promo code COVIDHELP on application. Does not apply to personal loans currently financed through Neighborhood Credit Union. Up to 90 Days No Payments based on credit approval and interest begins accruing the day the loan is funded.
Cash Rewards Credit Card1.50% cash back on all purchases¹ |
| Earn 1.50% cash back on all of your purchases.¹ |
| No annual fee or balance transfer fees. |
| Low variable interest rate.¹ |
Visa Platinum Credit Card0.00% Intro APR² |
| No annual fee or balance transfer fees. |
| Auto Rental Collision Damage Coverage |
| Low variable interest rate.² |
¹APR based on creditworthiness. Rates are subject to change. APR will vary 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 $18.00, whichever is greater. Cash advance fee is $10 or 2.00% of the amount of each cash advance, whichever is greater. No balance transfer fees. Additional limitations, terms and conditions may apply. View the Rewards Guide to Benefits(Opens in a new Window).
²Must be 21 years or older to apply. Introductory APR only applicable to new credit card applications. 0.00% 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 $18.00, whichever is greater. Cash advance fee is $10 or 2.00% of the amount of each cash advance, whichever is greater. No balance transfer fees. Additional limitations, terms and conditions may apply. Equal Opportunity Lender.
Home Equity LoansLearn More
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| It does not impact your first mortgage. |
| Acquisition costs are typically lower than a cash-out refinance |
| Interest charged on this loan may be tax deductible. |
| For current rates please call the Mortgage Service Team at 972.629.7896 or email us. |
| Apply Now |
Home Improvement LoansLearn More
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| Improvement projects can add value to your home. |
| You'll give a full description of your project along with one preferred estimate. |
| For current rates please call the Mortgage Service Team at 972.629.7896 or email us. |
| Apply Now |
Mortgage Loans & RefinancingLearn More
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| Offering low-rate mortgage loans up to 95% maximum loan-to-value. |
| For current mortgage rates please call the Mortgage Service Team at 972.629.7896 or email us. |
| Email Us |
Licensing Information
Kenny Cooper: NMLS# 774640
Ti-Lisa Hurd: NMLS# 1571608
Modesta Pineda: NMLS# 641225
Dyveonne Reece: NMLS# 1098188
Mike Roark: NMLS# 1098189
Neighborhood Credit Union: NMLS# 403562
Find Out if You're Eligible
Despite popular belief, becoming a member of a credit union is a lot easier than you might think. Click the "Eligibility" button to see all the ways you can be eligible.
Membership
Eligibility
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| 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
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 |
| 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 |
Refer a Friend, Earn $100
Through our Member Referral Program, whenever you refer a new or existing member to Neighborhood Credit Union for an Auto or Personal loan, you can receive $100.00 when the loan has been funded!
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, the credit union officially changed its name to Neighborhood Credit Union, a name that more accurately reflects the diverse base of members from all over the Dallas area. Neighborhood CU’s ongoing effort to offer members convenient services in their communities and mobile access wherever they go has made them a top-rated credit union in the Dallas-Fort Worth area.