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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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Your Neighborhood Waxahachie Branch

 
Take advantage of our specials today and get
$200 CASH
when you open a new checking account!*

  

OR

1% OFF

your qualified auto loan rate.²
 


¹Checking accounts subject to approval. To qualify for the $200 checking bonus: You must be a new Waxahachie Neighborhood CU consumer checking customer who has not had a Neighborhood CU consumer checking account open within the last 6 months. Eligible accounts include Neighborhood CU's High Yield Checking, Cash Back Checking, Priority 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 of at least $500 post to the new checking account. 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. Offer cannot be combined with other offers. 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 $0.00 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. $200 bonus cannot be used to fund the account. Offer available until December 31, 2023.

²APR = Annual Percentage Rate. 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 1.00% off their qualified rate (final rate cannot be lower than 5.99% APR or lowest advertised car loan rate by Credit Union.) Title fees apply to refinances. Rates and offer subject to change and termination without notice. Other restrictions may apply. Offer available until December 31, 2023.

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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.®


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Do More with Neighborhood Credit Union

Refer Friends For Rewards
Whenever you refer friends who do not have a membership with us, you'll both be rewarded when they open a new 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.


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.


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.
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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

This location does have drive thru, but does feature a 24-hour ITM where you can deposit checks and cash, make loan payments, and more.

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. 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.

Cash Back Checking qualifications that must be met to obtain cash back rewards 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 = first day of month through last day of 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; and (b) you will receive 3% cash back on purchases up to $200 for a total of $6 per month on combined debit and credit card purchases. If qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Minimum to open is $25. 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.

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 1% 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 1.00% off their qualified rate (final rate cannot be lower than 5.99% APR or lowest advertised car loan rate by Credit Union.) 5.99% 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.