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Projects Plus Home Loan at Neighborhood Credit Union

Published March 31, 2021 
Starting April 1, 2021 apply for Neighborhood Credit Union’s Projects Plus Home Loan1. This new loan product joins our expansive line of loans at Neighborhood Credit Union.  

What is the Projects Plus Home Loan?  

Perfect for those self-proclaimed DIY experts or homes in need of improvements, the Project Plus Home Loan is ideal for:  
  • Adding a swimming pool 
  • Landscaping projects around the home 
  • Patio and outdoor kitchen upgrades 
  • Solar panels 
  • BEV/PHEV charging station installation 
  • Kitchen and bath remodel 

How to Apply 

Applicants must apply for the Projects Plus Home Loan online. When filling out your application, you’ll need to list what the loan is for and after the loan is approved and funded, you can start on your projects right away. Unlike other financial institutions that offer similar loans, Neighborhood Credit Union will not require a home visit from a contractor before you can get approved. 

Projects Plus Home Loan Rates

Rates Effective: April 1, 2021. All rates quoted are Annual Percentage Rates (APR). See disclaimers for more details.¹ 

Rate & Loan Amount

$10,000 - $19,999 $20,000 - $39,999 $40,000 - $60,000
24 - 36 months 5.25% APR 4.25% APR 3.25% APR
37 - 48 months 6.25% APR 5.25% APR 4.25% APR
49 - 60 months 7.25% APR 6.25% APR 5.25% APR
61 - 72 months 8.25% APR 7.25% APR 6.25% APR
73 - 84 months n/a 8.25% APR 7.25% APR
85 - 120 months n/a n/a 8.25% APR

Beat Your Rate Program  

At Neighborhood Credit Union we will offer a rate 0.10% lower than the rate offered by a competing lender.2 To qualify, you must prove that you were approved for a lower rate with another lender for the same type of loan and the same loan terms offered by Neighborhood Credit Union prior to loan funding. Terms are subject to change at any time. 

Apply Now

¹Must be 18 years or older and a home owner with a valid email address. Applicant must have a minimum 720 credit score, at least seven [7] years of credit history, credit history shows a variety of credit types (credit cards/installment loans/vehicle loans/etc.), and credit history displays an excellent repayment history. Loan purpose must be for improving primary residence and funds must be used for purpose stated on application. Loan application required. Subject to credit review and approval. Projects Plus Home Loan application for credit must be completed and submitted online at Only one Projects Plus Home Loan per member can be open at a time. Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Lowest rates require excellent credit. Minimum loan amount $10,000. Not eligible for Skip-A-Payment or refinancing. Loan amount cannot be added to after funding. Additional conditions and limitations may apply. Advertised rates and terms are subject to change without notice.

²Projects Plus Home Loan Beat Your Rate Program: Neighborhood Credit Union will offer a rate 0.10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by Neighborhood CU prior to loan funding. The Beat Your Rate Program excludes secured or collateralized loan offers from any lender and the competitive offer must be generally available to any customer with a similar credit profile. Terms are subject to change at any time.

Who We Are 

As an active part of the community for 91 years, Neighborhood Credit Union is a not-for-profit financial organization serving the state of Texas with branch locations in Collin, Dallas, Denton, and Ellis counties, as well as the city of Arlington. With assets topping $1 billion, Neighborhood Credit Union has a continuously growing membership of 56,000. For more information, call (214) 748-9393 or visit our homepage