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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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Consolidate Your Debt

Combine other high-interest loans

into one low monthly payment.

And enjoy rates as low as 10.99 % APR¹ and up to 90 day of no payments.²

Why Choose Neighborhood Credit Union

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Always Better Rates Than Banks
Fast & Easy Online Application
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Save Money on Higher Interest Rates
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We Work to Find You the Best Solution 

Rates Effective: October 20, 2023. 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 10.99% APR
Unsecured Personal Loans
36 months or less As low as 10.99% APR
37-60 months As low as 11.99% APR

Apply Online

Apply for a loan online in under 10 minutes.

1Personal Loan: Credit application is required. Must be 18 years of age or older and a member of Neighborhood Credit Union. Terms from 0 months to 60 months. Rates range from as low as 10.99% APR up to 17.99% maximum APR. Rates, terms and conditions are subject to change and may vary based on credit worthiness. Interest begins accruing the day the loan is funded. Restrictions may apply. (Repayment Example: The payment on a $10,000 loan would be $217.37 per month at a non-variable interest rate of 10.99% APR with a 60 month term. This equates to $3,042.46 over the life of the loan.) Membership required with a $25 minimum deposit. Equal Opportunity Lender.
2Interest begins accruing the day the loan is funded. Offer valid for a limited time only.
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Refer a Friend, Earn $200 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 up to $200.00 when the loan has been funded!

Something extra to help get you back on your feet.

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. 

Explore Neighborhood Credit Union Products

From banking to borrowing, we have everything you need.
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Read more about what it means to be a member of a credit union, how it works, and how it benefits you.

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 or work in Dallas County, Ellis County, Denton County, Collin County, or the city of Arlington; live or work within a 10 mile radius of the CoppellGrand Prairie, or Highland Village branches; employed by or retired from a company served by Neighborhood CU. 

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) and convenience services(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 13 locations in the DFW Metroplex(Opens in a new Window).
Applying is easy! Quickly apply online or give us a call at 214.748.9393 extension 2601. We will be happy to assist you.

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 61,000 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.