Apply for a Loan
>> Click here to view our current auto loan special!
New Purchasestarting at 1.99% 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 |
Used Purchasestarting at 1.99% 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 1.99% 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 & RVsstarting at 2.49% APR¹Learn More
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| Loans for new, used, refinancing, and recreational vehicles. |
| GAP insurance available. |
| Apply Now |
Motorcycles & ATVsstarting at 2.49% APR¹Learn More
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| Loans for new, used, refinancing, and recreational vehicles. |
| GAP insurance available. |
| Apply Now |
New & Used Auto Loan Rates
Rates Effective: March 22, 2021. 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 1.99% APR |
| 72 months | As low as 2.65% APR |
| Other Vehicle Loans or Refinance (RV, Boat, Motorcycle) | |
| 60 months or less | As low as 2.49% APR |
| 72 months | As low as 3.15% 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 for a limited time.
†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 6.99% 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 |
Quick Cash Loanflat rate of 28% APR² |
| Your smart alternative to the traditional payday loan. |
| There's no credit check and proof of reoccurring income is required. |
| Must be a member of Neighborhood CU for a minimum of 12 months and in good standing. |
| Maximum loan amount: $1,100 for up to 6 months |
| Good to Know: Only one Quick Cash Loan can be open at a time. A $20 fee applies and can be charged once every 180 day period. |
| Apply Now |
Projects Plus Home Loanas low as 4.25% APR¹ |
| Finally get that pool, invest in solar panels, or start those home improvements with the simplicity of a large personal loan. |
| Apply Now |
Line of Creditstarting at 6.99% APR¹Learn More
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| Get access to a pre-approved amount of extra cash through withdrawals, Online Banking & overdraft protection. |
| Apply Now |
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. |
| 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: August 13, 2021. 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 6.99% APR |
| 37 – 60 months | As low as 7.99% APR |
| Unsecured Personal Loans | |
| 36 months or less | As low as 6.99% APR |
| 37-60 months | As low as 7.99% APR |
| Quick Cash Loan | Flat rate of 28% 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.
²Must be 18 years or older and a member of Neighborhood Credit Union for a minimum of 12 consecutive months. Loan application and approval required. Loan cannot exceed $1,100 with a term not exceeding 6 months. An APR of 28.00% will be applied. Proof of income is required. Quick Cash Loan is not eligible for the Skip-a-Payment program. Only one Quick Cash Loan can be open at a time. A fee of $20 can be assessed for loan once within a 180 day period. Late payment fees assessed separately. Other restrictions may apply. Equal Opportunity Lender.
³Must 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. Maximum term is 6 months at a fixed 18.00% APR. Maximum of 10 Overdraft Loans per member. 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.
View our Notice Documents.
¹Must 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 $18.00, 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 Rewards Guide to Benefits(Opens in a new Window). View our Notice Documents.
²Must 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 $18.00, 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.
Mortgages, Refinance, and Home Improvement
Visit our Home Loan Page to start a quote or apply today.
Projects Plus Home Loan
Finally get that pool, invest in solar panels, or start those home improvements with the simplicity of a large personal loan.
Licensing Information
Kenny Cooper: NMLS# 774640 | Mike Roark: NMLS# 1098189
Olivia Cortez: NMLS# 1846647 | Modesta Pineda: NMLS# 641225
Neighborhood CU: NMLS# 403562
Find Out if You're Eligible
If you live in Texas, you can bank here! 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
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 $100 Cash
Through our Member Referral Program, whenever you refer a new or existing member to Neighborhood CU 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, 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.