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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270

Enjoy 0.0% APR on Balance Transfers for All Neighborhood Credit Union Credit Cards

Published December 11, 2020 

Now until February 28, 2021, eligible members can do a balance transfer for 0.0% APR1 with no balance transfer fee onto the Neighborhood Credit Union Platinum Credit Cards and Cash Rewards Credit Cards.   

Is a Balance Transfer Right for Me? 

The common balance transfers involve moving a balance from one account to another - usually to a different institution and most often for a lower rate.  

You still must pay the debt of what you owe but a balance transfer is an option for someone who is wanting to save on interest and pay off the balance at a faster pace. A balance transfer can also be a very helpful tool for those looking to consolidate their debt or organize your multiple payments into one singular payment.  

This time of year is perfect for a balance transfer! With the holiday season quickly approaching, members can take advantage of the 0.0% APR balance transfer to knock out any holiday shopping and not have to worry about high-interest rates.   

Neighborhood Credit Union Credit Cards

Currently at Neighborhood Credit Union we offer two different credit cards with great benefits: Platinum Credit Card and Cash Rewards Credit Card.
  • Get 0.0% APR with a balance transfer on a Platinum credit card, enjoy no annual fee, and a variable interest rate of 10.00-18.00% APR* after the promotional 6 months.2 
  • Cash Reward credit card has 1.50% cash back on all purchases, with no cash back limit, no annual fee, and a variable interest rate of 12.50-18.00% APR* after the promotional 6 months.3
Whatever your goals are, a balance transfer to a Neighborhood Credit Union credit card will work for you with 0.0% APR for 6 months and no balance transfer fee.  



1Enjoy 0.0% APR for 6 months on all credit card balances transferred from a non-Neighborhood Credit Union credit card to the Neighborhood Credit Union Platinum or Rewards credit cards. Must be 21 years or older to participate in balance transfer offer. Minimum of $100 for balance transfer. Participant must have sufficient available credit on their Neighborhood Credit Union Credit Card Account to accommodate balance amount being transferred. Participant will receive 0% APR on balances transferred and posted to their Neighborhood Credit Union Credit Card Account for six months which begins the day the amount is posted and settled to the member's Neighborhood CU Credit Card Account. Balances must be transferred, posted and settled to the member's Neighborhood CU Credit Card Account by February 28, 2021 to take advantage of offer. 0% APR not valid on purchases or cash advances. Offer subject to change at any time.
 
²APR = Annual Percentage Rate. Must be 21 years or older to apply. Introductory APR only applicable to new credit card applications. 0.00% Introductory APR for 6 months from issuance of the card. After the introductory period, APR will be adjusted 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 2% of total new balance or $18.00, whichever is greater. Cash advance fee is $10 or 2.00% of the amount of each cash advance, whichever is greater. No balance transfer fees. Additional limitations, terms and conditions may apply. Equal Opportunity Lender. View the Guide to Benefits (Opens in a new Window)and the Platinum Credit Card Disclosure(Opens in a new Window).

3APR based on creditworthiness. Rates are subject to change. APR will vary 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 2% of total new balance or $18.00, whichever is greater. Cash advance fee is $10 or 2.00% of the amount of each cash advance, whichever is greater. No balance transfer fees. Must be 21 years or older to apply. Additional limitations, terms and conditions may apply. View the Rewards Guide to Benefits (Opens in a new Window)and Visa Cash Rewards Disclosure 

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Who We Are 

As an active part of the community for 90 years, Neighborhood Credit Union is a not-for-profit financial organization with locations in Collin, Dallas, Denton, and Ellis counties, as well as the city of Arlington. Located all across North Texas and assets topping $927 million, Neighborhood Credit Union has a continuously growing membership of 56,000. For more information, call (214) 748-9393 or visit our homepage