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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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Start Your Journey

Get up to $500 cash when you purchase a new or used auto loan or refinance your current auto loan from a different lender1 and enjoy no payments for up to  120 days!2

Spring into action with a new or used auto loan! 

Enjoy low rates when you purchase and finance a new or used auto loan at Neighborhood Credit Union. Apply now for rates as low as 5.99% APR* and take a check to the dealership to complete your purchase!


¹Must be 18 years or older and must become a member of Neighborhood Credit Union.

2Must be 18 years or older. Credit qualifications and application required. Rates subject to change. To be eligible for up to 120 Days No Payments applicant must have a credit score of 700 or above. Up to 120 days no payments based on credit qualification. Interest begins accruing the day the loan is funded. Offer valid for a limited time only. Does not apply to vehicles currently financed through Neighborhood Credit Union.

Why Choose Neighborhood Credit Union?

Apply Online in Under 10 Minutes
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Flexible Term Lengths 
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Always Better Rates than Big Banks
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Take a Check with You to the Dealer

*Rates Effective: February 8, 2024. Must be 18 years or older and a member of Neighborhood Credit Union. Credit application and approval required. Rates subject to change. Equal Opportunity Lender.

Term Rate
Auto & Motorcycle
60 months or Less As low as 5.99% APR
72 months As low as 6.25% APR
Other Vehicle Loans (RV & Boat)
60 months or less As low as 7.49% APR
72 months As low as 7.75% APR

Apply Today

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Make No Payments for up to 120 Days! 

Neighborhood Credit Union offers competitively low rates on new and used vehicles. And with loan terms up to 72 months, driving your dream car off the lot can become a reality. Apply for your car loan online today and make no payments for up to 120 days.

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.

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.

Courtesy Pay
Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.

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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Cash Back Checking

Earn cash back rewards with no minimum balance.

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.
Applying with Neighborhood Credit Union is easy! Quickly apply online or give us a call at 214.748.9393 extension 2601. We will be happy to assist you with your car buying experience.
At the time of application, we do not require any documentation. After your application request is reviewed we may need additional documents such as a copy of your driver’s license, buyer’s order, insurance, proof of income, etc.

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.