Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Neighborhood Credit Union
Routing #311079270
Close search

What can we help you find?

Routing #311079270
Apply For LoanLoans
Close online banking

Online Banking

Routing #311079270

Woman on hammock smiling with credit card in hand

Visa Signature® Cash Rewards Credit Card

Earn 1.50% Cash Back on All of Your Purchases¹





¹Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. Minimum credit line is $5,000. APR based on creditworthiness. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. No balance transfer fees. Additional limitations, terms and conditions may apply. Equal Opportunity Lender. Read the Visa Rewards Credit Card Disclosure.

Why Choose the Visa Signature® Cash Rewards Credit Card?

1.50% Cash Back on All Purchases¹

Never Pay an Annual Fee¹

Mobile Wallet Compatible 

Low Variable Interest Rate¹

How It Works

Use the Visa Signature® Cash Rewards Credit Card for any and all of your purchases and get 1.50% cash back¹, that's it!
 
 

Neighborhood Credit Union Cash Rewards Visa Credit Card

  • No annual fees
  • Variable interest rate of 16.50% to 18.00%¹
  • Cash back on all purchases every day


How much cash could you earn just on your basic monthly bills?


Monthly Expense Average Cost Est. Cash Back
Cell Phone
$173.12 $2.60
Car Insurance $238.66 $3.50
Groceries $700 $10.50
Fuel $120 $1.80
TV/Internet $96 $1.44
Utilities $240 $3.60
Total Cash Back Per Month²
$23.44



Apply online for your Visa Signature® Cash Rewards Credit Card today!





¹Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. Minimum credit line is $5,000. APR based on creditworthiness. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. No balance transfer fees. Additional limitations, terms and conditions may apply. Equal Opportunity Lender.
²Monthly bills and cash back totals are estimations and for illustrative purposes only.
close up image of a smartphone displaying a debit card within the mobile wallet app hovering over a payment terminal with text overlaying the photo that says tap to pay

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.
woman looking at smartphone screen for myncu mobile app displaying card controls and alerts with text overlaying the photo that says manage cards and alerts

Card Controls on the App

Easily turn off and on, report lost, or cancel your credit card with Card Controls in Online Banking or the MyNCU Mobile App.



Credit Card Access through Online Banking

Securely access your Neighborhood Credit Union Visa Credit Card through Online Banking. Make payments, view your current account summary, card activity, and billing statements.






Hand holding out bag of money icon

Membership Benefits

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




Desktop computer icon

Convenience Services

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




Circle and bar graph icon

Money Management

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





Interested in more Neighborhood CU accounts?

Explore Products
Close
Woman holding debit card at bakery counter.

Cash Back Checking

Earn cash back rewards with no minimum balance.

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.