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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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New Branch Coming to Prosper, TX



Our Digital Services are always open!

You can do nearly everything through or the MyNCU Mobile App to manage your account from the comfort of home. Open accounts, deposit checks, transfer funds, check your balance, and more. But if you're new to Neighborhood Credit Union and would like to talk to someone about opening a new account, request a call back below.

Who We Are

We are Neighborhood Credit Union, the oldest credit union in the Dallas-Fort Worth metroplex. Unlike traditional banking institutions, our goal is not to make a profit from our customers. As a not-for-profit organization, we are in the business of helping people achieve their short and long-term financial goals for their families. Through unique products and community investment, Neighborhood Credit Union helps its North Texas neighbors improve their financial health and well-being.

Learn More 



Bank Where You Live

You don't have to wait to become a member! All of our great products, loans, and membership benefits are available to Prosper and surrounding Collin County residents starting in August 2019. Don't miss a beat and utilize our suite of easy-to-use digital banking services while the Prosper branch is still under construction.

Account Finder     Online & Mobile Services



Kasasa® Cash Checking

0.01%-1.50% APY1

A free, high yield checking account.
Unlimited ATM withdrawal fee refunds.2
No minimum balance.
Open Now

Cash Rewards

1.50% cash back on all purchases³

Earn 1.50% cash back on all of your purchases.³
No annual fee or balance transfer fees.
Low variable interest rate.³

Growth at a Glance

90 years

of relationships & trust

56,000 members

satisfied and counting

$850 million

in assets
Purchase or Refinance
with auto loan rates as low as
2.69% APR


Support Prosper, Bank Local

Profit is returned to you with better rates & 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, & lower fees.

We are not-for-profit, owned & 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.

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.

Why We Chose Prosper

A lot of exciting things are happening in Prosper. We wanted to be conveniently available in the northern Collin County area, rewarding our North Texas neighbors with great service, rates, and digital offerings as the area continues to grow.


Our Story

Originally 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 American confidence in financial institutions was at an all-time low, Dallas Postal Credit Union won the trust and loyalty of its charter members. In 2001, the credit union officially changed its name to Neighborhood Credit Union, a name that more accurately reflects the diverse base of members from all over the Dallas area.

Prosper Branch Construction Timeline

October 2019

In October of 2019, Neighborhood Credit Union purchased land at 2201 E. University Drive for the future site of our Prosper, TX branch location.
Building rendering of the new Neighborhood Credit Union branch
Group of people with hard hats breaking ground on new credit union location

December 13, 2019

On a sunny Friday afternoon, Neighborhood Credit Union broke ground at the Prosper location. 

April 20, 2020

Image of Prosper's build sight for Neighborhood credit union
still image of prosper branch frame

May 13, 2020 

Prosper frame is up. 

Neighborhood Events

December 13, 2019

Prosper Branch Groundbreaking

11:00 am
Prosper Branch Site
2201 E. University Drive
Prosper, TX 75078
September - December 2019

Free Financial Literacy Workshop Series

Grand Prairie Library Locations
3 Events Each Month
December 11, 2019

Elder Financial Abuse Workshop

North Dallas Branch
13651 Montfort Drive
Dallas, TX 75240

Become a Member Today

You don't have to wait until the new branch location is complete to start banking local! Utilize our digital banking services and earn your rewards today.

1APY = Annual Percentage Yield. If qualifications are met each Qualification Cycle: 1.50% Annual Percentage Yield up to $50,000 account balance if qualifications are met, 0.10% interest rate resulting in 1.50 – 0.57% Annual Percentage Yield on balances over $50,000 if qualifications are met. All balances earn 0.01% Annual Percentage Yield if qualifications are not met. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per household. 

2Domestic ATM withdrawal fees incurred during Qualification Cycle in which qualifications were met will be reimbursed and credited to account on the last day of Monthly Statement Cycle.

³APR based on creditworthiness. 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 2.00% of the amount of each cash advance, whichever is greater. No balance transfer fees. Additional limitations, terms and conditions may apply. View the Rewards Guide to Benefits.

*Offer limited 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 an APR that is lower than their current rate or $100 will be deposited into the membership savings account within 30 days of application request. Verification of current APR must be provided. Title fees apply to refinances. Rate floor applies as defined by Neighborhood Credit Union. Offer subject to change and termination without notice. Restrictions apply. Offer ends 04/30/20.

Must be 18 years of age or older and a member of Neighborhood Credit Union. Credit Application and approval required. Rate of 2.69% APR has maximum term of 60 months. Vehicles may not qualify for certain terms. Rates subject to change without notice. Equal opportunity lender.