Neighborhood Credit Union
We offer unique banking products and services that help our North Texas neighbors improve their financial health and well-being. We’re not like the big banks where the profits go straight into the pockets of shareholders. Our earnings go straight back to you in the form of better rates, dividends, and lower fees.
Start Your Journey to Financial Success
Why We’re Different
We’re here not to make a profit, but to empower our member’s financial success and reward them for every day banking. Through awarding high yield interest on a free checking account, giving away money just every week for good savings habits, college scholarships, and financial education, we’re in the business of helping people achieve their goals and live a life of financial freedom.
High Yield Checking0.01%-4.00% APY1 |
| A free, interest-earning checking account. |
| ATM withdrawal fee refunds.2 |
| No minimum balance. |
| Open Now |
Auto LoansLearn More
|
| Apply online and make no payments for 90 days.† |
| Loans for new, used, refinancing, and recreational vehicles. |
| GAP, Dent Guard, and Extended Warranty insurance available. |
| Apply Now |
High Yield Savings Account3.00% APY4 |
| Minimum Deposit: $10,000 |
| 24/7 access to funds and no maintenance fees. |
Cash Rewards Credit Card1.50% cash back on all purchases5 |
| Earn 1.50% cash back on all of your purchases.5 |
| No annual fee or balance transfer fees. |
| Low variable interest rate.5 |
1APY = Annual Percentage Yield. High-Yield Checking qualifications that must be met to obtain the Higher Interest Rate and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 4.00%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 4.00% to 1.40% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.
2ATM Withdrawal Fees: If qualifications are met each monthly qualification cycle domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle.
³APR = annual percentage rate. †Must 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.
4High Yield Savings: *APY = Annual Percentage Yield. Rate is accurate as of 03/01/2023. Rates are subject to change at any time. Minimum $10,000 deposit required to open account. Minimum balance of $10,000 required to earn 3.00% APY with a rate of 2.96%, balances under $10,000 earn 0.00% APY. Three (3) withdrawals allowed per month, each withdrawal after will incur a fee. Federally Insured by NCUA.
5Must 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.
View the Rewards Guide to Benefits. View the Truth-in-Savings Disclosures. Please see the Rates & Fees page for details.
All Neighborhood Credit Union deposit accounts feature:
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.
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.
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| Account Type | Summary | ATM Refunds² | High Yield Interest APY¹ | Opening Deposit | Monthly Fee |
|---|---|---|---|---|---|
| High Yield |
Free checking with high-yield interest.
|
Yes | 0.01% - 4.00% | $100 | $0 |
| Cash Back |
Free checking with cash back rewards.
|
Yes | No | $25 | $0 |
| Priority |
Low Opening Deposit and Overdraft Fee Forgiveness.
|
No | No | $25 | $11.99 |
| Fresh Start |
Ideal for those with less-than-perfect checking needing to get back on their feet.
|
No | No | $25 | $20 |
| Minor/Student Accounts |
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Frequently Asked Questions
Credit unions are not-for-profit and governed by the members, so this means that company earnings are returned to you as a member in the form of high interest rates on deposit accounts, low rates on loans, and lower fees. $5.9 million in interest dividends were paid back to our members in 2021 alone.
We offer several online & mobile services and convenience services, including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. We also have several locations in the DFW Metroplex.
Yes, we offer a second chance checking account called Fresh Start. Visit the Fresh Start Checking page for more information.
Quoted interest rates are good for 90 days after approval. This gives you time to search for the perfect car!
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.