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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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Earn $25 When You Refer a Friend!


With our Member Referral Program, you can be rewarded just for bringing in new members who open checking accounts.


Easily send an email now! 


How It Works

Refer family or friends who do not have a membership with us and you will receive $25.00 once their checking account has been open for 90 days*.
While they're opening their account online, there is a small section of Additional Info. Be sure to let them know:
  1. Select Friends or Family on the "How did you hear about us?" question.
  2. Select Yes for "Is this a Member Referral?" and they must put your full name in the "Who Referred You?" field for you to receive your $25 cash bonus.
  3. Lastly, enter online promo code REFER in the designated box. 

*To qualify for the referral program, all entrants must be at least 18 years of age and a member in good standing with Neighborhood Credit Union. Youth accounts age 12 and under are not eligible, including Looney Tunes and TUTMA accounts. Member is paid $25 for a new membership referral after the referred membership and/or checking account has been maintained a minimum of 90 days. The $25 referral offer is not valid with any other offers or promotions, additional restrictions may apply.
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All Neighborhood Credit Union deposit accounts feature:


Start Your Journey to Financial Success


Surcharge-Free ATMs

The Allpoint ATM Network allows our members the ability to withdraw cash at over 50,000 ATMs nationwide without charging an ATM 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. 

Courtesy Pay

Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.

Want to compare our checking accounts side by side?

Click the "Compare Accounts" button to explore in-depth.
compare accounts

Financial Management Software

Fine-tune and track your spending habits and financial goals with ease from our Money Management dashboard.

Frequently Asked Questions

Credit unions are not-for-profit and governed by the members, so this means that company earnings are returned to you as a member in the form of high interest rates on deposit accounts, low rates on loans, and lower fees. $5.5 million in interest dividends were paid back to our members in 2018 alone.
Yes, we offer a second chance checking account called Fresh Start. Visit the Fresh Start Checking page for more information.
We offer several online & mobile services and convenience services, including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. We also have 14 locations in the DFW Metroplex.

1APY = Annual Percentage Yield. Rates may change after account is opened. If qualifications are met each monthly qualification cycle, balances up to $50,000 receive APY of 1.50%; and balances over $50,000 earn 0.10% dividends on portion of balance over $50,000, resulting in 1.50% to 0.57% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM transactions or transactions under $5.00 do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is the period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. 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.