Holiday Personal Loan Special
Thankful for You
Now until December 31st, enjoy 1% off your qualified personal loan rate*
on a 12-month term Holiday Loan.
on a 12-month term Holiday Loan.
Why Choose Neighborhood Credit Union?
Apply Online in Under 10 Minutes
Short-Term Loan at 12 Months
Always Better Rates than Big Banks
Find What Works Best for You
Get 1% off Your Qualified RateHoliday Personal Loan
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| 12-month term |
| Rates as low as 10.99% APR¹ |
| Offer ends December 31, 2023 |
| Take care of holiday shopping, consolidate debt, and more. |
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Must use promo code HOLIDAY when applying
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*Credit application and approval required. Member receives 1.00% APR off their qualified rate on an unsecured personal loan. Final rate cannot be lower than lowest advertised rate for personal loans as advertised on myncu.com/rates. Promo code HOLIDAY must be used at time of loan application. Must be 18 years or older to participate. Loan has a 12 month term. Interest begins accruing the day the loan is funded. Offer for a limited time only and expires 12/31/2023 at midnight. Cannot be combined with other offers. Other restrictions may apply. Equal Opportunity Lender.
¹Rates Effective:October 20, 2023 Personal 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.
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!
Get More with Neighborhood Credit Union
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.
Courtesy Pay
Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.
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.
Set Up Direct Deposit
Neighborhood CU makes it easy to switch banks. Easily, quickly, and securely set up your direct deposit and automatic payments in one single step.
Earn Cash, Refer Friends
Whenever you refer family or friends who do not have a membership with us you'll receive $100.00* when they open a new member checking account.
Explore Neighborhood Credit Union Products
From banking to borrowing, we have everything you need.
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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 |
Frequently Asked Questions
There are! Visit our Personal Loans page to find what you're looking for.
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. Must use promo code HOLIDAY when applying.
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.