Consolidate Your Debt
Combine other high-interest loans
into one low monthly payment.
Why Choose Neighborhood Credit Union
Always Better Rates Than Banks
Fast & Easy Online Application
Save Money on Higher Interest Rates
We Work to Find You the Best Solution
Rates Effective: February 24, 2025. 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 11.14% APR |
| Unsecured Personal Loans | |
| 36 months or less | As low as 7.14% APR |
| 37-60 months | As low as 9.24% APR |
1Personal Loan: *Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $2,001 required. Lowest advertised rate dependent on excellent credit and reflects the maximum 0.35% rate discount. Lowest loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit and setting up automatic payments. Equal Opportunity Lender.
2Interest begins accruing the day the loan is funded. Offer valid for a limited time only.
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!
Explore Neighborhood Credit Union Products
From banking to borrowing, we have everything you need.
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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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| Vehicle 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 |
Membership
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 Coppell, Grand 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.
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.
