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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270

Official Credit Union of SMU Athletics


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Great rates and better-than-free checking for our SMU fans!






Get 1% APR Off Auto Loan Rate

or $100 Cash Back¹

Get 1.00% off your qualified rate or $100 cash back¹
Eligible on new or used car purchases and refinances from another financial institution
Promotion will automatically be applied; rate cannot be lower than 1.99% APR¹


Checking $100 Cash Bonus²

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 checking account.
Explore our free checking accounts and more.


Visa Platinum Credit Card

0.00% Intro APR³

No annual fee or balance transfer fees. 
0.00% Introductory APR for up to 6 months, then variable APR is based on your creditworthiness up to 18%.³
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Refer a Friend, Earn $100 Cash

Through our Member Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto or Personal loan, you can receive $100.00 when the loan has been funded!



calendar icon with the date may 14 displayed on a blue backgroundGet 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 Credit Union 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.





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. 
 
 

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.


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. 


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.


Explore Neighborhood Credit Union Products

From banking to borrowing, we have everything you need.
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MyNCU Mobile App

Use our award-winning app to manage your accounts, deposit checks, make transfers, and more.


¹APR = annual percentage rate. Rates effective March 22, 2021. With approved credit. Rate subject to change. Must be 18 years or older and must become a member of Neighborhood Credit Union. Rates bases on credit application and approval. 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 approved applicants will be offered either 1.00% off their qualified rate(final rate cannot be lower than 1.99% APR) or $100 will be deposited into the membership savings account within 30 days of loan funding. Title fees apply to refinances. Offer subject to change and termination without notice. Other restrictions may apply.
²Checking accounts subject to approval.  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 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 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 valid for a limited time.
²APR based on creditworthiness. Must be 21 years or older to apply. Rates are subject to change. APR will vary 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 2% of total new balance or $18.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. No balance transfer fees. Additional limitations, terms and conditions may apply. View the Guide to Benefits (Opens in a new Window)and the Platinum Credit Card Disclosure(Opens in a new Window).
 
 
 

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 56,000 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.