Credit Cards
Choose the Credit Card that's Right for You
Visa Platinum
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| 0.00% Introductory APR for up to 6 months, then variable APR is based on your creditworthiness from 13.00% to 18.00%.² |
| No annual fee |
| No balance transfer fees |
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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 Read the Visa Rewards Credit Card Disclosure.
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. View the Guide to Benefits and the Platinum Credit Card Disclosure.
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.
Card Controls on the App
Easily turn off and on, report lost, or cancel your credit card with Card Controls in Online Banking or the MyNCU Mobile App.
No Balance Transfer Fee
Shift your balance from a high-interest credit card to a Neighborhood CU credit card with no added fees attached!
No Annual Fee
Never pay an annual fee for our credit cards!
Membership Benefits
Membership is more than just your $25 share. See all of our benefits, account perks, and lending products.
Interested in more Neighborhood CU accounts?
Click the All Products button to explore all Neighborhood CU accounts.
All Products
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| Account Type | Summary | Get Started |
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| Online Checking accounts |
Choose free checking with high yield interest or cash back, identity protection and shopping rewards, or get a second chance at banking with our Fresh Start Checking account.
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| online Savings accounts |
Prize savings, high yield savings, CDs, Christmas Club, and more. We even have an account for the kids.
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| Certificates of Deposit |
CDs with multiple rates and term length available so that you find the perfect one to fit your investment needs.
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| Auto Loans |
Consistently offering some of the lowest rates available for new, used, or refinancing in the DFW Metroplex.
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Apply Now |
| Personal Loans |
Consolidate bills, take a vacation, finance repairs, or put cash in your pocket.
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Apply now |
| Credit Cards |
No annual fees, no balance transfer fee, and a low rate.
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Apply Now |
| Home Loans |
Home Equity, Home Improvement, Mortgage and refinancing loans with competitive rates.
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Learn more |
| Insurance |
Everything from Dent Guard to Life Insurance.
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Learn more |
Purchase or refinance your auto loan for as low as 6.24% APR*
Lock in your low rate today.
Credit Card Access through Online Banking
Securely access your Neighborhood Credit Union Visa Credit Card through Online Banking. Make payments, view your current account summary, card activity, and billing statements.
Frequently Asked Questions
Apply for a Neighborhood Credit Union credit card in minutes! Click here to apply for a Platinum Visa credit card or a Rewards Visa credit card.
Securely access your Neighborhood Credit Union Visa Rewards Credit Card through Online Banking. Make payments, view your current account summary, card activity, and billing statements.
If you’re not yet using our digital tools:
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.