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

Friends lying down taking a group selfie

Your Neighborhood Waxahachie Branch

Grand Opening Specials! Get $200 Bonus Cash*

when a new or existing member opens a new checking account!

2% Off Your Qualified Auto Loan Rate**

Enjoy rates as low as 3.19% APR** on a new car loan, used, or when you refinance your loan over to Neighborhood Credit Union from another lender.

Thank you for the biggest compliment!

We appreciate every referral and take each review to heart. We love our members!

Review Us on Google

Refer a Friend for Membership

Bank on the Go

You can bank from anywhere. Login to your account through the MyNCU Mobile App, where you can deposit checks, manage your debit card, make transfers, and even send money to friends through Zelle.®

close up adult man holding smartphone and touching on screen device

Do More with Neighborhood Credit Union

Earn Cash, Refer a Friend

Whenever you refer family or friends who do not have a membership with us you'll receive $25.00* when they open a new member checking account.

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. 

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.

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.
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.

Shared Branching
Easily access your accounts with over 6,100 nationwide Co-Op locations from which to do deposits and withdrawals in the lobby. 

Deposit Accounts & Loans We Offer

Take advantage of Neighborhood Credit Unions excellent rates and low fees. Check out all of the deposit account and loan types that we have available.
Explore Products

Inflate My Rate CD

The short-term CD that earns you high interest and a one-time rate match bump to our Standard 18-Month CD.*

Frequently Asked Questions

No, this location does not have drive thru service, but does feature a 24-hour ATM and a night deposit drop is available.

Our branch lobbies are open for full service! Members and potential members can still make an appointment.

Neighborhood Credit Union's routing number is: 311079270.

*Checking accounts subject to approval. Kasasa Cash minimum opening deposit is $100, all other checking accounts have a minimum opening deposit of $25. For details on Neighborhood CU checking accounts, Additional terms and fees may apply. See fee schedule for details. Products, features and benefits offered with accounts are subject to change at any time. Limit one Kasasa Cash account per household. Kasasa Cash, when qualifications are met, has an Annual Percentage Yield of 1.05% on balances up to $50,000,balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 1.05% to 0.48% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. The rate may change after account opening. APY is accurate as of 08/02/2021. Fees may reduce earnings.

To qualify for the $200 checking bonus: Must be 18 years of age or older. You must meet the membership requirements, including purchase and maintenance of the minimum required share(s) (“membership share”) of $25 asset forth in the Credit Union’s bylaws. You authorize us to check your account, credit and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. You must be a new Neighborhood CU consumer checking customer who has not had a Neighborhood CU consumer checking account open within the last 6 months. Promo code WAX must be used at application input to be eligible for this bonus. Eligible accounts include Neighborhood CU's Kasasa Cash Checking, Kasasa Cash Back Checking, Choice Checking and Fresh Start. Within sixty (60) days of account opening, must have one (1) electronic Direct Deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government in the amount greater than $500 post to the new checking account (or split between your new checking account and your savings account). Offer can only be combined with special 2% off qualified rate Waxahachie promotion. We reserve the right to deduct the bonus amount if the account is closed within 12 months of opening. Account must be open and in good standing with a balance greater than or equal to $25.00 at the time of payment in order to receive the new account bonus. Neighborhood CU may report the value of the bonus to the IRS as required by law. Any person(s) whose tax status would require Neighborhood CU to impose tax withholding of any sort will not be eligible for this bonus. Bonus will be deposited into member's savings account within ninety (90) days if all criteria met. New checking accounts must be opened and funded by the end of the month in which the email is sent.$200 bonus cannot be used to fund the account and will be deposited within 60 days of account opening if all criteria is met. Qualifying electronic Direct Deposits do not include payments received into your account from payment apps such as Paypal, Venmo and other similar payment service providers.

**Must be 18 or older and become a member of Neighborhood Credit Union. Credit application and approval required. Offer limited to new or used car loans financed through Neighborhood Credit Union or to the refinance of auto loans from other lenders. Auto loans currently with Neighborhood Credit Union are not eligible for offer. Minimum financed loan amount of $10,000 is required. Eligible applicants will be offered 2.00% off their qualified rate (final rate cannot be lower than 2.49% APR or lowest advertised car loan rate by Credit Union.) 2.49% based on excellent credit. Title fees apply to refinances. Offer subject to change and termination without notice. Other restrictions may apply. Offer valid for a limited time.