
Apply for a Loan
New Purchasestarting at 6.24% APR¹Learn More
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Apply online and make no payments for 90 days.† |
GAP, Dent Guard, and Extended Warranty insurance available. |
Estimate your auto loan payment with our loan calculator. |
Apply Now |
Used Purchasestarting at 6.24% APR¹Learn More
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Apply online and make no payments for 90 days.† |
GAP, Dent Guard, and Extended Warranty insurance available. |
Estimate your auto loan payment with our loan calculator. |
Apply Now |
Refinance Your Vehiclestarting at 6.24% APR¹Learn More
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Apply online and make no payments for 90 days.† |
GAP, Dent Guard, and Extended Warranty insurance available. |
Estimate your auto loan payment with our loan calculator. |
Apply Now |
Boat & RVsstarting at 7.24% APR¹Learn More
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Loans for new, used, refinancing, and recreational vehicles. |
GAP insurance available. |
Apply Now |
Motorcycles & ATVsstarting at 7.24% APR¹Learn More
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Loans for new, used, refinancing, and recreational vehicles. |
GAP insurance available. |
Apply Now |
New & Used Auto Loan Rates
Loan Terms | Interest Rate |
---|---|
Auto Purchase or Refinance | |
60 months or Less | As low as 6.24% APR |
72 months | As low as 6.74% APR |
Other Vehicle Loans or Refinance (RV, Boat, Motorcycle) | |
60 months or less | As low as 7.24% APR |
72 months | As low as 7.74% 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.
View our Notice Documents.
Personal Loansstarting at 8.99% 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: $2,000 for up to 12 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 9.00% APR* |
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 8.99% 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: May 8, 2023. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
Term | Rate |
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Unsecured Line of Credit | |
36 months or Less | As low as 8.99% APR |
Unsecured Personal Loans | |
36 months or less | As low as 8.99% APR |
37-60 months | As low as 9.99% 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.
²Quick Cash: Must 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 $2,000 with a term not exceeding 12 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. Must not have had a Quick Cash Loan open within the last 180 days. 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.
*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. Additional conditions and limitations may apply. Advertised rates and terms are subject to change without notice. he payment on a $10,000 loan would be $207.50 per month at a non-variable interest rate of 8.99% APR with a 60 month term. This equates to $2,449.41 over the life of the loan. 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. 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.
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 $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 Rewards Guide to Benefits(Opens in a new Window). Read the Visa Rewards Credit Card Disclosure. 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 $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.
Mortgages, Refinance, and Home Improvement
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 |
