Apply for a Loan
New PurchaseStarting at 5.74% APR¹ |
Apply online and make no payments for 90 days.† |
GAP, Dent Guard, and Extended Warranty insurance available. |
Apply Now |
Used PurchaseStarting at 5.74% APR¹ |
Apply online and make no payments for 90 days.† |
GAP, Dent Guard, and Extended Warranty insurance available. |
Apply Now |
Refinance Your VehicleStarting at 5.74% APR¹ |
Apply online and make no payments for 90 days.† |
GAP, Dent Guard, and Extended Warranty insurance available. |
Apply Now |
BoatsStarting at 7.24% APR¹ |
Loans for new, used, refinancing, and recreational vehicles. |
GAP warranty available. |
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Motorcycles & ATVsStarting at 5.74% APR¹ |
Loans for new, used, refinancing, and recreational vehicles. |
GAP warranty available. |
Apply Now |
RVsStarting at 7.24% APR¹ |
Loans for new, used, refinancing, and recreational vehicles. |
GAP warranty available. |
Apply Now |
*Must be 18 years or older and must be a member of Neighborhood Credit Union. Credit application and approval required. Must use promo code 250 at time of application. Rates are accurate as of 09/27/2024 and are subject to change without notice. Lowest rate is based on excellent credit. Offer valid for new or used vehicles financed through Neighborhood CU. Auto loans currently with Neighborhood Credit Union are not eligible for offer. Minimum financed loan amount of $15,000 is required. Eligible approved applicants will receive $250 cash back which will be deposited into the membership establishing savings account within 30 days of loan funding. Title fees apply to refinances. Offer subject to change and termination without notice. Other restrictions may apply. Cannot be combined with other offers. Offer expires 10/31/2024 at 11:59pm.
1APR = annual percentage rate. With approved credit. Rate subject to change. Rates effective September 27, 2024
†Must be 18 years or older. Credit qualifications and application required. Rates subject to change. To be eligible for up to 120 Days No Payments applicant must have a credit score of 700 or above. Up to 120 days no payments based on credit qualification. 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.
View our Notice Documents.
Personal Loansstarting at 10.74% APR¹Learn More
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Take a vacation, consolidate bills, fund home or auto repairs, or even if you just need some cash. |
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Projects Plus Home Loanas low as 9.75% APR* |
Finally get that pool, invest in solar panels, or start those home improvements with the simplicity of a large personal loan. |
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Line of Creditstarting at 10.74% APR¹Learn More
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Get access to a pre-approved amount of extra cash through withdrawals, Online Banking & overdraft protection. |
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Overdraft Loanflat rate of 18% APR³ |
There's no credit check and member must show capacity to repay the loan. |
All overdrawn personal Neighborhood CU checking accounts are eligible that have been open for a minimum of 90 days. |
Minimum loan amount: $250; amount can only be up to the account's negative balance amount. |
Maximum term length: 6 months |
Good to Know: Member will not have access to Courtesy Pay until the loan is paid in full. Overdraft loans are not eligible for Skip-a-Payment. Only personal checking accounts are eligible for an Overdraft Loan. If there is a joint member on the checking account, they are not required to be a signer on the loan. |
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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. |
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Personal Loan Rates
Rates Effective: September 27, 2024. 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 10.74% APR |
Unsecured Personal Loans | |
36 months or less | As low as 10.74% APR |
37-60 months | As low as 11.74% APR |
Overdraft Loan | Flat rate of 18% APR |
Projects Plus Home Loan Rates: | View Rates |
¹APR = annual percentage rate. With approved credit. Rate subject to change.
*Projects Plus: Must be 18 years or older and a home owner with a valid email address. Applicant must have a minimum 680 credit score, at least seven [7] years of credit history, credit history shows a variety of credit types (credit cards/installment loans/vehicle loans/etc.), and credit history displays an excellent repayment history. Loan purpose must be for improving primary residence and funds must be used for purpose stated on application. Loan application required. Subject to credit review and approval. Projects Plus Home Loan application for credit must be completed and submitted online at myncu.com. Only one Projects Plus Home Loan per member can be open at a time. Your loan terms, including APR, may differ based on, amount, term length, and your credit profile. Lowest rates require excellent credit. Minimum loan amount $5,000. Not eligible for Skip-A-Payment or refinancing. Loan amount cannot be added to after funding. (Repayment Example: The payment on a $5,000 loan would be $163.10 per month at a non-variable interest rate of 10.75% APR with a 36-month term. This equates to $5,871.68 over the life of the loan.) Additional conditions and limitations may apply. Advertised rates and terms are subject to change without notice. Equal Opportunity Lender.
³Overdraft Loan: Must be 18 years of age or older. Personal checking accounts that have been open for a minimum of 90 days and are currently overdrawn are eligible for loan. Business checking accounts are not eligible. An Overdraft Loan is established only on the overdrawn checking account under one membership number for the exact overdrawn amount and does not cover any outstanding, expected, or not posted amounts. Minimum loan amount is $250.00. Maximum loan amount is equal to the current overdrawn amount at the time of application. Term of repayment is up to 6 months for loan balances $1,000 or less or up to 12 months on balances over $1,000. Fixed 18.00% APR. Loan is not eligible for Skip-A-Payment. Ability to repay loan must be demonstrated. Payment dates and payment frequency cannot be changed. If enrolled in Courtesy Pay, Courtesy Pay will be suspended until Overdraft Loan is paid in full, or may be permanently suspended. Member will be informed at time of agreement signing if suspension is permanent or temporary. Courtesy Pay reinstatement may reflect new amounts based on updated criteria. Other restrictions may apply. Equal Opportunity Lender.
¹Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. 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 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. 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 Rewards Guide to Benefits(Opens in a new Window). Read the Visa Rewards Credit Card Disclosure. View our Notice Documents.
²Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. Introductory APR only applicable to new credit card applications. 1.99% Introductory APR for 6 months from issuance of the card on balance transfers and purchases. After the introductory period, APR will be adjusted based on creditworthiness and balance transfer fee will be at 3%. 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 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. Additional limitations, terms and conditions may apply. Equal Opportunity Lender.
Mortgages, Refinance, and Home Improvement
Home Equity Loan
Projects Plus Home Loan
Licensing Information
Find Out if You're Eligible
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 |
Refer a Friend, Earn $200 Cash
Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 90 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.
We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.
As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.
At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.