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High Yield Checking
Up To 4.00% APY1
A free checking account that rewards your everyday banking activity.
- ATM fee refunds up to $15.1
- No minimum balance.
- Earn MyPoints Rewards with My Rewards Debit Cards.♦
Get Rewarded
Cash Back Checking
Cash Back Rewards2
A free checking account that gives you cash back on qualifying purchases.
- ATM fee refunds up to $15.2
- No minimum balance.
- Earn MyPoints Rewards with My Rewards Debit Cards.♦
Fresh Start Checking
A checking account designed to help you rebuild your banking history.
- $20 monthly service fee.
- Eligible to convert to another checking account after six months.
- Earn MyPoints Rewards with My Rewards Debit Cards.♦
Student Accounts
Checking and savings options that help teens begin building healthy financial habits.
- Available for ages 13–17.
- Free checking and savings accounts.
- A parent or guardian must be a co-owner.
- Earn MyPoints Rewards with My Rewards Debit Cards.♦
1APY=Annual Percentage Yield and is accurate as of 07/01/2026. Rates may change after account is opened. 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 $25,000 receive APY of 4.00%; and (c) balances over $25,000 earn 0.10% APY on portion of balance over $25,000, resulting in 4.00% to 0.88% 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.
2Cash 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.
♦ My Rewards® Gold or Platinum Debit Cards: Base amount of points earned for purchases using the basic Neighborhood Credit Union Debit Card is 1 point per $100 for signature or PIN based card transactions.
View the Truth-in-Savings Disclosures and Notice Documents.
MEMBERSHIP SAVINGS
Prize Savings
Best for: Building your savings while earning entries for monthly and yearly cash prizes.
Chance to win $49,999.99!
- 0.10% APY1
- $25 minimum opening deposit
- Earn one entry for every $5 of your average monthly balance
- Build savings while earning chances to win monthly and yearly cash prizes
EARN MORE
High Yield Savings
Best for: Growing an emergency fund while keeping your money accessible.
2.75% APY3
- $100 minimum opening deposit
- No monthly maintenance fees
- 24/7 access to your funds
Max Savings High Interest
Best for: Members who already maintain higher savings balances.
0.00% – up to 3.05% APY2
- No minimum opening deposit
- Tiered rates based on account balance
- Designed for larger savings balances
More Ways to Save
Certificates of Deposit
Best for: Earning a fixed return over a selected term.
3.35% – 3.60% APY4
- Minimum deposits starting at $500
- Multiple terms and rates available
- Low-risk way to grow your savings
Individual Retirement Account
Best for: Building long-term retirement savings.
3.50% APY4
- $100 minimum opening deposit
- Traditional and Roth IRA options
- Designed for long-term retirement planning
Christmas Club
Best for: Setting money aside throughout the year for holiday expenses.
0.10% APY5
- $100 minimum opening deposit
- Build holiday savings throughout the year
- Withdrawals become available in November
Kids Savings
Best for: Helping children begin building healthy savings habits.
0.10% APY6
- $25 minimum opening deposit
- Designed for children ages 0–12
- A simple way to introduce saving early
Special Savings
Best for: Creating a secondary savings account for a specific goal.
0.10% APY*
- $25 minimum opening deposit
- Useful as a secondary savings account
- Available for teens and adults
Minor Accounts
Best for: Helping teens manage checking and savings with a parent or guardian.
- Available for ages 13–17
- Free checking and savings accounts
- A parent or guardian must be a co-owner
Share rates current as of October 1, 2025.
1Prize Savings: Prize Savings Account - Limit one (1) Prize Savings account per membership. Must be 18 years of age or older. Minimum deposit of $25 to open. Receive one (1) entry for every $5.00 monthly average balance for monthly Giveaway. Receive one (1) entry for every $5.00 monthly average daily balance for Annual Grand Prize Giveaway. Please refer to the Official Prize Entry Rules at www.myncu.com/prize-rules for details. Winners will receive a 1099-MISC at the end of each year for tax reporting. Federally Insured by NCUA.
2High Yield Savings: *APY = Annual Percentage Yield. Rate is accurate as of 10/1/25. Rates are subject to change at any time. Minimum $100 deposit required to open account. Minimum balance of $10,000 required to earn 2.75% APY with a rate of 2.71%, 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.
3*APY = Annual Percentage Yield. Rate is accurate as of 10/01/2025. Balances $0–$99,999.99 will earn 0.00% APY (no dividends), $100,000–$499,999.99 will earn 3.00% APY with a fixed rate of 2.96%, and $500,000 and greater will earn 3.05% APY with a fixed rate of 3.01%. A minimum balance of $100,000 is required to earn dividends. Account has no monthly service fees. Three (3) withdrawals allowed per month, each withdrawal thereafter will incur a fee. Federally Insured by NCUA.
4Standard CD: Rate subject to change. Minimum opening deposit is $2,500 for all standard, IRA, and Roth IRA certificates. Interest is compounded daily. An interest penalty is required for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
5Christmas Club: APY=Annual Percentage Yield. Account earns a rate of 0.10% and an APY of 0.10%. Minimum deposit to open $25.00. Minimum average daily balance to earn dividends and stated APY is $100.00. Dividends compounded and paid monthly. Account withdrawal limitations apply. See fee schedule for details. Federally Insured by NCUA.
6Kids Savings: For children under the age of 13. Minimum deposit to open is $25. Account opened as a sub-account under the parent or eligible adult. The parent or eligible adult must have an existing membership with Neighborhood Credit Union. The social security number and any tax related reporting will be the parent or eligible adult's information. The Kids Savings Account (Cub Account) rewards and giveaways based on program details may change at any time and awards are subject to availability. Once the child is 13 years of age (or a minimum of 8 years and has the ability to sign a document with a cursive signature), the child is eligible to open their own Membership Savings Account with a parent or eligible adult as a joint owner if they meet the qualifications for membership and provide their social security number.
*APY = Annual Percentage Yield. Rates are subject to change at any time. Please see the Rates & Fees page for details. View the Truth-in-Savings Disclosures and Notice Documents.
Visa Signature® Cash Rewards
1.50% cash back on all purchases5
- Earn 1.50% cash back on all purchases5
- No annual fee
- Variable APR from 16.50% up to 18.00%5
Visa Platinum
Introductory rate of 1.99% APR‡
- No annual fee
- Auto Rental Collision Damage Coverage
- Introductory APR for up to six months, then a variable APR from 15.50% up to 18.00%, based on creditworthiness‡
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. 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. Read the Visa Rewards Credit Card Disclosure. View the Rewards Guide to Benefits.
‡Must 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. Introductory APR only applicable to new credit card applications. 1.99% Introductory APR for 6 months from issuance of the card on balance transfers and purchases. After the introductory period, APR will be adjusted based on creditworthiness and balance transfer fee will be at $30.00 or 3.00% of the amount of each balance transfer, whichever is greater. 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. Additional limitations, terms and conditions may apply. Equal Opportunity Lender. View the Platinum Credit Card Disclosure and the Guide to Benefits.
Inflate My Rate CD |
| A short-term certificate of deposit that allows one opportunity during the term to request your rate be matched to the 18-month CD rate.¹ Already a member? Open Your CD Here |
| Fixed Interest Rate: 3.49% |
| Minimum Opening Deposit: $2,500 |
| Term: 25 Months |
| Rate Match: One rate match to our Standard 18-Month CD rate allowed during 25-month term. How do I request my rate match? |
| Good to Know: No additional deposits allowed. After 25-months, this CD converts and renews as a Standard 18-Month CD. |
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Online Savings |
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An exclusive rate only available online with additional deposits allowed.
Already a member? Open Your CD Here
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| Fixed Interest Rate: 3.54% |
| Minimum Opening Deposit: $1,500 |
| Term: 17 Months |
| Good to Know: Must be 18 years of age or older. |
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Standard CertificateEarn up to 3.60 % APY3 |
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Minimum Opening Deposit: $2,500
Additional deposits not allowed.
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| Term | Interest | APY* |
| 91 days | 3.30% | 3.35% |
| 6 months | 3.45% | 3.50% |
| 12 months | 3.45% | 3.50% |
| 18 months | 3.45% | 3.50% |
| 30 months | 3.45% | 3.50% |
| 36 months | 3.30% | 3.35% |
| 48 months | 3.30% | 3.35% |
| 60 months | 3.30% | 3.35% |
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FlexPlus |
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A short-term length option with a low opening deposit and additional deposits allowed.
Already a member? Open Your CD Here
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| Fixed Interest Rate: 3.45% |
| Minimum Opening Deposit: $500 |
| Term: 12 Months |
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1Rates effective May 5, 2026. Inflate My Rate CD: APY = Annual Percentage Yield. Must be 18 years of age or older to open Certificate of Deposit. Rates subject to change. Interest is compounded daily. $2,500 minimum deposit to open. Only one rate increase allowed during 25 month term. Rate increase is not automatic and is dependent on member request by secure communication or verifiable documents. Rate increase will have an effective date that begins on date of confirmed request and will be in effect from that date till term end. Rate increased interest rate is dependent on Neighborhood CU's 18 month CD. If our 18 month CD rate increases during your Inflate My Rate CD's 25 month term, request a rate increase and we'll increase your Inflate My Rate CD's interest rate to match the 18 month CD rate. The new rate is locked in until end of the term. At the end of the 25 month term, Inflate My Rate CD converts and renews as a standard Neighborhood CU 18 month CD. Cannot be combined with any other rate offers or rate increase promotions. Not offered on trusts, business accounts or Individual Retirement Accounts (IRAs). An interest penalty is required for early withdrawal. Fees may reduce earnings. Federally insured by NCUA.
2Rates effective May 5, 2026. Online Savings CD: Fixed interest rate at 3.54%. Rate subject to change. Minimum opening deposit is $1,500. Additional $25 minimum deposits allowed. An interest penalty is required for early withdrawal. Online certificate products must be opened online and are only eligible to those 18 years of age or older. Fees may reduce earnings. Federally Insured by NCUA.
3Rates effective May 5, 2026. Standard CD: Rate subject to change. Minimum opening deposit is $2,500 for all standard, IRA, and Roth IRA certificates. Interest is compounded daily. An interest penalty is required for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
4Rates effective May 5, 2026. Flex Plus CD: Fixed interest rate at 3.45%. Rate subject to change. Minimum opening deposit is $500. Additional $25 minimum deposits allowed. An interest penalty is required for early withdrawal. Online certificate products must be opened online and are only eligible to those 18 years of age or older. Fees may reduce earnings. Federally insured by the NCUA.
Please see the CD Truth-in-Savings Disclosures for additional information.
Upgrade to My Rewards® Premium Debit Cards
Join our exclusive members-only MyPoints Rewards program! Earn up to 3x more points every time you swipe your My Rewards® Gold or Platinum Debit Cards. Get rewarded for everyday purchases and accumulate points redeemable for prizes, trips, and gift cards!
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It's a fast, secure, and straightforward method to send and request money. Whether you're splitting bills with friends or reimbursing family for shared expenses, Zelle offers a convenient solution so you can skip the hassle of visiting an ATM or dealing with cash.
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Get paid up to 2 days early.**
Depending on your employer, you can get your direct deposit up to 2 days earlier than payday with a Neighborhood Credit Union checking account.
**Neighborhood CU may give early access to direct deposit funds from your employer, payments and credits into your account, or government deposits and payments depending on when the deposit or payment file is submitted to Neighborhood CU. Weekends or bank holidays may affect the posting date. As a result, the availability or timing of early direct deposit may vary from pay period to pay period. Fraud prevention restrictions may apply and delay early availability of funds. Early availability is not guaranteed. Additional restrictions may apply.
| Simply meet one of the below criteria OR be related to someone who does: | |
| Live or work in: |
Dallas County
Ellis County Denton County
Collin County
Tarrant County
City of Arlington |
| Live, work, worship, or attend school within a 10 mile radius of the branches in: | Coppell Grand Prairie Highland Village |
| Currently employed or retired from: | A Company Served by Neighborhood Credit Union Dallas United States Postal Service Arlington United States Postal Service |
| Become a member of the Neighborhood Credit Union Foundation, which is automatically done for you upon approval, and live in: | Texas |
| A member or potential member of the American Consumer Council and reside in one of the following counties: | Delta Denton Hunt Johnson Kaufman Parker Rockwall Tarrant Wise |
All Neighborhood Credit Union 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.
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.
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.
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.
What's Special About Credit Unions
We are a not-for-profit owned and governed by the members. Not only are our members a part of our community, they are stakeholders of the credit union and are key players to how we operate.Credit Unions offer better rates than the big banks. Credit Unions are different because our goal is not to make a profit from our customers. We are in the business of helping people achieve their short and long-term financial goals for their families as well as help them live a life of financial freedom.Earnings are returned to you, the members, in the form of great rates and lower fees. We’re not like 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.Be a part of a community where you’re not just an account number. Through unique products and community investment, including college scholarships and financial education, Neighborhood Credit Union helps its North Texas neighbors improve their financial health and well-being. Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 96 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.
We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.
As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.
At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.
