Business Details
Your Trusted Partner for Financial Solutions in Texas
Neighborhood Credit Union has been serving Texas residents with personalized financial solutions since our founding. As a member-owned, not-for-profit institution, we prioritize our members' financial wellness by offering competitive interest rates on deposit accounts, low loan rates, and minimal fees. Our commitment to community impact is reflected in our $17 million interest dividend payout to members in 2024 alone. We provide comprehensive banking services including checking and savings accounts, vehicle and personal loans, credit cards, and investment guidance through partnerships like North Texas Capital Advisors. Our digital banking platform features award-winning mobile apps, online account management, and secure payment options to meet modern financial needs.With multiple locations across the DFW Metroplex and 24/7 digital access, we combine local expertise with cutting-edge convenience. Our team of financial professionals delivers exceptional service, consistently going above and beyond to help members achieve their financial goals. We maintain federal insurance through the National Credit Union Administration, ensuring the security of member deposits. Through initiatives like our Money Management Guide and financial literacy webinars, we empower members to build smarter financial habits. Our community involvement extends to local charities and outreach programs, reinforcing our mission to make a positive impact beyond traditional banking services.
Services
Checking Accounts
Savings Accounts
Vehicle Loans
Personal Loans
Credit Cards
Online Banking
Mobile Banking
Financial Counseling
Investment Services
Insurance Products
Highlights and features
- We offer competitive rates and low fees as a not-for-profit credit union
- We provide 24/7 online and mobile banking access
- We have multiple convenient locations in the DFW Metroplex
- We returned $17 million in interest dividends to members in 2024
- Our team delivers personalized financial guidance and exceptional service
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Outstanding customer service
Unbeatable rates
Highly recommend
Positive experiences
Go above and beyond
Services
Vehicle Loans
Our vehicle loans feature competitive rates starting at 3.99% APR for qualified borrowers. We offer financing options for new and used cars, trucks, and SUVs with terms up to 54 months. Our loan specialists help members find affordable payment plans that fit their budget while maintaining financial flexibility.
High Yield Savings
Our high yield savings accounts offer 2.75% APY for balances of $10,000 or more. These accounts provide liquidity with competitive returns, featuring no monthly maintenance fees and easy access to funds. Perfect for emergency savings or short-term financial goals with compound interest growth.
Online Banking
Our 24/7 online banking platform enables account management from any device. Features include bill payment, fund transfers, mobile check deposit, and real-time transaction tracking. The award-winning MyNCU Mobile App adds biometric login security and customizable financial alerts for enhanced convenience.
Financial Counseling
Through our partnership with GreenPath Financial Wellness, we offer personalized financial counseling services. Certified counselors help members create budgets, manage debt, and build credit. Our Money Management Guide provides practical tools for tracking expenses and setting achievable savings targets.
Certificates of Deposit
Our certificate of deposit options include a 3.80% APY for 12-month terms and special rate-matched CDs. These low-risk investment vehicles offer guaranteed returns with terms ranging from short-term (6 months) to long-term (5 years). Early withdrawal penalties apply to protect investment growth.
Questions
How can I become a member of Neighborhood Credit Union?
Texas residents qualify for membership through state residency. You can join online or at any DFW Metroplex location with valid ID and initial deposit.
What digital banking services do you offer?
We provide 24/7 online banking, mobile check deposit, bill payment, fund transfers, and the award-winning MyNCU Mobile App for iOS and Android devices.
What loan products are available?
We offer vehicle loans starting at 3.99% APR, personal loans up to 7.14% APR, home loans, credit cards, and debt consolidation options for qualified members.
How do you support financial education?
We provide free financial literacy resources including webinars on fraud prevention, our Money Management Guide, and personalized counseling through GreenPath Financial Wellness.
What makes you different from big banks?
As a member-owned credit union, we return profits to members through better rates, lower fees, and interest dividends rather than external shareholders.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
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