Happy Cash Back Bonus
Checking $100 Cash Bonus¹Offer for a limited time!
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| Eligible for new Neighborhood Credit Union members on all checking accounts. |
| Must have a monthly direct deposit of at least $500. |
| Use promo code HAPPY100 when opening your account. |
| Explore our free checking accounts and more. |
¹Checking accounts subject to approval. High Yield Checking minimum opening deposit is $100, all other checking accounts have a minimum opening deposit of $25. For details on Neighborhood CU checking accounts, visit myncu.com/bank/checking. 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 High Yield account per household. High Yield, when qualifications are met, has an Annual Percentage Yield of 4.00% on balances up to $50,000, 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 0.10% APY. The rate may change after account opening. APY is accurate as of April 1, 2023 . Fees may reduce earnings.
To qualify for the $100 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 as set 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 HAPPY100 must be used at application input to be eligible for this bonus. Eligible accounts include Neighborhood CU's High Yield Checking, 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 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 $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. $100 bonus cannot be used to fund the 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 for a limited time.
Refer a Friend, Earn $200 Cash
Through our Loan Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto loan, you can receive $200 and $100 for a Personal loan!
Calculate your High Yield Checking Interest Rewards
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Our calculator is for informational purposes only and does not intend to provide financial advice. All examples are hypothetical and assumes that qualifications are met for the High Yield Checking product to illustrate the benefits of the 4.00% annual percentage rate and ATM refunds. This calculator is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered by Neighborhood Credit Union, its affiliates or any other institution, nor does this calculator predict or guarantee the actual results of any investment product. You may wish to consult an appropriate outside advisor about your financial situation.
Estimated Annual Rewards
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Estimated Monthly Rewards
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Estimated ATM Fees Refunded
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This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational purposes only. Actual terms will vary. This calculator is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Neighborhood Credit Union product or service to your unique circumstances.
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.
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.
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.
Explore Neighborhood Credit Union Products
From banking to borrowing, we have everything you need.
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| Account Type | Summary | Get Started |
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| Online Checking accounts |
Choose free checking with high yield interest or cash back, identity protection and shopping rewards, or get a second chance at banking with our Fresh Start Checking account.
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| online Savings accounts |
Prize savings, high yield savings, CDs, Christmas Club, and more. We even have an account for the kids.
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| Certificates of Deposit |
CDs with multiple rates and term length available so that you find the perfect one to fit your investment needs.
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| Auto Loans |
Consistently offering some of the lowest rates available for new, used, or refinancing in the DFW Metroplex.
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Apply Now |
| Personal Loans |
Consolidate bills, take a vacation, finance repairs, or put cash in your pocket.
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Apply now |
| Credit Cards |
No annual fees, no balance transfer fee, and a low rate.
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Apply Now |
| Home Loans |
Home Equity, Home Improvement, Mortgage and refinancing loans with competitive rates.
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Learn more |
| Insurance |
Everything from Dent Guard to Life Insurance.
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Learn more |
Frequently Asked Questions
Applying with Neighborhood Credit Union is easy! Quickly apply online or give us a call at 214.748.9393 extension 2601. We will be happy to assist you with your car buying experience.
At the time of application, we do not require any documentation. After your application request is reviewed we may need additional documents such as a copy of your driver’s license, buyer’s order, insurance, proof of income, etc.
Joining a credit union is easier than you think! There are several ways you're able to become a member, and you even qualify simply if you have a family member that does.
You're eligible if you live in the state of Texas!
You don't give up anything when you switch from a big bank, either. We offer several online & mobile services(Opens in a new Window) and convenience services(Opens in a new Window), including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. Not only are we a fully digital credit union, but we have several locations in the DFW Metroplex(Opens in a new Window).
Anyone who lives in the state of Texas is eligible to open an account at Neighborhood Credit Union. You can:
- visit our online portal to open a checking or savings account
- apply for a loan online
- make an appointment to visit one of our branches,
- and by phone.
Yes! We have a full digital services suite that includes the MyNCU Mobile App, Online Banking, remote check deposit, Zelle®, and more. Explore all of our digital services here.
Who We Are
Formerly known as Dallas Postal Credit Union, Neighborhood Credit Union opened its doors to its first members in April 1930, just months after the U.S. stock market crashed. During the Great Depression, when Americans’ trust in financial institutions were at their lowest, Dallas Postal Credit Union won that trust and loyalty of its charter members. In 2001, we officially changed our name to Neighborhood Credit Union, a name that more accurately reflects the diverse base of members from all over the Dallas area.
Neighborhood Credit Union now serves the entire state of Texas with over 61,000 members and assets that top $1 billion. Our ongoing effort to offer members convenient services in their communities and mobile access wherever they go has made us a top-rated credit union in the Dallas-Fort Worth area.