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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270

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Overdraft Loan

Avoid checking account charge-offs and get back on your feet. We're here to help!

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Flat Rate of 18% APR¹

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Pay Back in up to 6 Months¹

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No Credit Check Required

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Avoid High-Rate Payday Loans

Overdraft Loan

flat rate of 18% APR¹

There's no credit check.
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 and the amount borrowed 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 Overdraft Loan.
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¹Must 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.

Need something more than an Overdraft Loan?

Skip payday loans and apply for our Quick Cash Loan. While some states put a cap on how much interest payday lenders can charge, Texas is not one of them. Interest rates in Texas on a payday loan can go as high as 662% on as little as $300 borrowed!

With the average payday loan term being two weeks, many struggle to meet the deadline and in return this high-rate interest builds. With the Quick Cash Loan at Neighborhood Credit Union, members will have up to six months to pay off their loan, giving them more time to get ahead. And no credit check is required, that way you don’t have to worry about your application affecting your credit score. 

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Membership Benefits

Membership is more than just your $25 share. See all of our benefits, account perks, and lending products.

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Convenience Services

Safety deposit boxes and Courtesy Pay overdraft protection on your checking accounts.

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Money Management

Have a personal finance dashboard at your fingertips inside Online Banking and the MyNCU Mobile App.

More Neighborhood Credit Union Products and Accounts

Everything from checking to loans to insurance - we have you covered.
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Auto loans as low as 6.24% APR*

Check out our latest car loan specials and start saving money in interest today.

Frequently Asked Questions

Yes, applicants must have a Neighborhood Credit Union membership and have a personal checking account open for at least 90 days.

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 Overdraft Loan.
No, we do not run your credit when you apply for an Overdraft Loan. However, the maximum number of Overdraft Loans per member is ten. If a member requests additional Overdraft Loans, a credit report will be pulled and they will be underwritten as a normal unsecured loan. 
No, a member can not utilize Courtesy Pay until the balance of the Overdraft Loan is paid in full. Overdraft Loans are not eligible for Skip-a-Payment.
The maximum term for the Overdraft Loan is 6 months.
The minimum to request an Overdraft Loan is $250 and the amount borrowed can only be up to the account's negative balance amount.

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.