Back to School
Use a personal loan to get back-to-school ready and enjoy up to 90 day of no payments!¹
While the summer heat is in full swing, the new school year is just around the corner. We know back-to-school season can bring added financial pressure, and we’re here to help. With a Neighborhood Credit Union personal loan, you can enjoy up to 90 days with no payments and rates as low as 7.14% APR giving you the flexibility to shop for school supplies, clothes, and more without the immediate strain on your budget.¹
Why Choose Neighborhood Credit Union?
Apply Online in Under 10 Minutes
Flexible Term Lengths
Always Better Rates than Big Banks
Find What Works Best for You
Personal Loan Rates
Rates Effective: February 24, 2025.
| Term | Rate¹ |
|---|---|
| Unsecured Line of Credit | |
| 36 months or Less | As low as 12.99% APR |
| Unsecured Personal Loans | |
| 36 months or less | As low as 7.14% APR |
| 37-60 months | As low as 7.64% APR |
¹Loan application and credit approval required. Must be 18 or older. Lowest advertised rate applies to well-qualified borrowers and includes eligible discounts. 90 Days No Payments offer subject to credit qualification. Interest begins accruing on the funding date. Minimum loan amount: $2,000. Limited-time promotion. Equal Opportunity Lender. Visit myncu.com/rates for full details.
Refer a Friend, Earn $200 Cash
Through our Loan Referral Program, when you refer a new or existing member to Neighborhood CU for an Auto loan, you can earn $200!
Set Up Direct Deposit
Neighborhood CU makes it easy to switch banks. Easily, quickly, and securely set up your direct deposit and automatic payments with a simple form.
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.
Send Money with Zelle®
Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to an account, and all you need is the recipient's email or U.S. cell number.
Surcharge-Free ATMs
The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
Shared Branching
Easily access your accounts with over 6,100 nationwide Co-Op locations from which to do deposits and withdrawals in the lobby.
GreenPath Financial Wellness
With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
Explore Neighborhood Credit Union Products
From banking to borrowing, we have everything you need.
Explore Accounts
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| Account Type | Summary | Get Started |
|---|---|---|
| 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 |
Frequently Asked Questions
Joining a credit union is easier than you think! There are several ways you're able to become a member, and you even qualify simply if you have a family member that does.
You're eligible if you live in the state of Texas!
You don't give up anything when you switch from a big bank, either. We offer several online & mobile services(Opens in a new Window)(Opens in a new Window) and convenience services(Opens in a new Window)(Opens in a new Window), including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. Not only are we a fully digital credit union, but we have several locations in the DFW Metroplex(Opens in a new Window)(Opens in a new Window).
Yes! We have a full digital services suite that includes the MyNCU Mobile App, Online Banking, remote check deposit, Zelle®, and more. Explore all of our digital services here.
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.
