What are the current interest rates at Neighborhood Credit Union?

Current rates for Neighborhood Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.10%, 24-Month CD: 4.10%, 60-Month CD: 4.25%, Savings: 4.15%, MMA: 0.10%

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Neighborhood Credit Union

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Neighborhood Credit Union Rates & Review October 2026

Q: Is a member application needed to join Neighborhood Credit Union?

Yes, to access services at Neighborhood Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Neighborhood Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Neighborhood Credit Union's top rates as of October 14, 2026 are 4.40% APY on its 15 Month CD, 4.15% APY on savings, 0.10% APY on money market accounts, 4.00% APY on checking, and personal loans from 7.47% APR, according to rates verified by MonitorBankRates. Other Neighborhood Credit Union CD rates include 15-Month CD Special at 4.40%, 60 Month Standard CD at 4.25%, and IRA & Roth IRA CDs - 60 month at 4.25%. MonitorBankRates evaluates the financial stability of Neighborhood Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.85%. Rates last updated and verified on 10/14/2026.

Neighborhood Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Neighborhood Credit Union? Share your experience about Neighborhood Credit Union by leaving a review below, or read customer reviews before you decide to use Neighborhood Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.85%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Neighborhood Credit Union
Corporate Office

13649 Montfort Dr
Dallas, TX 75240-2521

https://www.myncu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Neighborhood Credit Union CD Rates

Product	Rate	APY	Term
15 Month Certificate	4.31%	4.40%	15 Months
Min Deposit $10,000 Details Special CD Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
15-Month CD Special	4.31%	4.40%	15 months
Min Deposit $10,000 Details Limited-time special; New money required (funds from an outside source, not currently on deposit at Neighborhood CU); Converts to standard 12 Month CD at end of term; Interest compounded daily; Early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
60 Month Standard CD	4.16%	4.25%	60 Months
Min Deposit $2,500 Details Standard CD Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65% Sep 27, 20264.25%▲ from 3.65% Sep 18, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 60 month	4.16%	4.25%	60 months
Min Deposit $2,500 Details In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Traditional & Roth IRA Certificates - 60 month	4.16%	4.25%	60 Months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
17 Month Online Savings	4.07%	4.15%	17 Month
Min Deposit $1,500 Details Special CD; Online Only; Online certificate products must be opened online and are only eligible to those 18 years of age or older Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.15% ▲ 0.55 pts · high 4.15% / low 3.60% Sep 27, 20264.15%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
36 Month Standard CD	4.07%	4.15%	36 Months
Min Deposit $2,500 Details Standard CD Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Sep 27, 20264.15%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
48 Month Standard CD	4.07%	4.15%	48 Months
Min Deposit $2,500 Details Standard CD Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70% Sep 27, 20264.15%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 36 month	4.07%	4.15%	36 months
Min Deposit $2,500 Details In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 48 month	4.07%	4.15%	48 months
Min Deposit $2,500 Details In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Traditional & Roth IRA Certificates - 36 month	4.07%	4.15%	36 Months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Traditional & Roth IRA Certificates - 48 month	4.07%	4.15%	48 Months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
12 Month Standard CD	4.02%	4.10%	12 Months
Min Deposit $2,500 Details Standard CD Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Sep 27, 20264.10%▲ from 3.90% Sep 22, 20263.90%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
18 Month Standard CD	4.02%	4.10%	18 Months
Min Deposit $2,500 Details Standard CD Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60% Sep 27, 20264.10%▲ from 3.75% Sep 22, 20263.75%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
25 Month Inflate My Rate	4.02%	4.10%	25 Month
Min Deposit $2,500 Details Special CD; Must be 18 years of age or older to open; Only one rate increase allowed during 25 month term Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65% Sep 27, 20264.10%▲ from 3.75% Sep 22, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
30 Month Standard CD	4.02%	4.10%	30 Months
Min Deposit $2,500 Details Standard CD Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65% Sep 27, 20264.10%▲ from 3.65% Sep 18, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 12 month	4.02%	4.10%	12 months
Min Deposit $2,500 Details In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 18 month	4.02%	4.10%	18 months
Min Deposit $2,500 Details In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 30 month	4.02%	4.10%	30 months
Min Deposit $2,500 Details In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Traditional & Roth IRA Certificates - 12 month	4.02%	4.10%	12 Months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Traditional & Roth IRA Certificates - 18 month	4.02%	4.10%	18 Months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Traditional & Roth IRA Certificates - 30 month	4.02%	4.10%	30 Months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
12 Month FlexPlus	3.92%	4.00%	12 Month
Min Deposit $500 Details Special CD; Online certificate products must be opened online and are only eligible to those 18 years of age or older Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Sep 27, 20264.00%▲ from 3.70% Sep 22, 20263.70%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
6 Month Standard CD	3.92%	4.00%	6 Months
Min Deposit $2,500 Details Standard CD Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Sep 27, 20264.00%▲ from 3.70% Sep 22, 20263.70%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
91 Day Standard CD	3.68%	3.75%	91 Days
Min Deposit $2,500 Details Standard CD Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35% Sep 27, 20263.75%▲ from 3.50% Sep 22, 20263.50%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Standard Certificates - 91 days	3.68%	3.75%	91 days
Min Deposit $2,500 Details Minimum Opening Deposit: $2,500; Additional deposits are not allowed Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35% Sep 27, 20263.75%▲ from 3.50% Sep 22, 20263.50%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%

Neighborhood Credit Union Savings Rates

Product	Rate	APY
Max Savings	3.01%	3.05%
Min Deposit $0 Min Balance $500,000 Details Balance: 500,000+ Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Max Savings	2.96%	3.00%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 - 500,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
High Yield Savings	2.71%	2.75%
Min Deposit $100 Min Balance $10,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Christmas Club	0.10%	0.10%
Min Deposit $25 Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Kid's Savings	0.10%	0.10%
Min Deposit $25 Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Membership Savings	0.10%	0.10%
Min Deposit $25 Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Prize Savings	0.10%	0.10%
Min Deposit $25 Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Special Savings	0.10%	0.10%
Min Deposit $25 Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%

Neighborhood Credit Union Money Market Rates

Product	Rate	APY
Money Markets	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Money Markets	0.10%	0.10%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 and over Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%

Neighborhood Credit Union Checking Rates

Product	Rate	APY	View More
High Yield Checking	3.92%	4.00%
Min Deposit $100 Details Qualifications Required; Balance: $0.00 - $25,000.00; Balance up to $25,000 earns 4.00% APY when qualifications are met; table APY printed as 0.01%-4.00% (0.01% if qualifications not met); Minimum to open is $100; limit one account per household Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%

Neighborhood Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity (1st Lien)	-	-	6.29%
Details As Low As; Rates Effective: October 1, 2026; Lowest advertised rate reflects the maximum 0.20% discount, available by qualifying for applicable discount based on Combined Loan to Value below 50% Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 4.54% → 6.29% ▲ 1.75 pts · high 6.29% / low 4.54% Oct 2, 20266.29%▲ from 5.04% Sep 22, 20265.04%▲ from 4.54% Sep 14, 20264.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Home Equity (2nd Lien)	-	-	6.79%
Details As Low As; Rates Effective: October 1, 2026; Lowest advertised rate reflects the maximum 0.20% discount, available by qualifying for applicable discount based on Combined Loan to Value below 50% Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 5.54% → 6.79% ▲ 1.25 pts · high 6.79% / low 5.54% Oct 2, 20266.79%▲ from 6.04% Sep 22, 20266.04%▲ from 5.54% Sep 14, 20265.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%

Neighborhood Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	-	-	4.34%	54 months or Less
Details As Low As; New auto loans (0-2 years old with few than 36,000 miles); Minimum loan amount of $10,000; Lowest advertised rate includes maximum 0.50% discount for new and used auto loans Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.99% → 4.34% ▲ 0.35 pts · high 4.34% / low 3.99% Oct 14, 20264.34%▲ from 3.99% Sep 18, 20263.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
New Auto Loans	-	-	4.59%	72 months
Details As Low As; New auto loans (0-2 years old with few than 36,000 miles); Minimum loan amount of $10,000; Lowest advertised rate includes maximum 0.50% discount for new and used auto loans Last Updated 10/14/2026 Rate History 3 changes since Sep 14, 2026 · 4.49% → 4.59% ▲ 0.10 pts · high 5.39% / low 4.49% Oct 14, 20264.59%▼ from 5.39% Oct 1, 20265.39%▲ from 4.74% Sep 22, 20264.74%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Used Auto Loans	-	-	4.59%	54 months or Less
Details As Low As; Used auto loans (3-6 years or newer with more than 36,000 miles); Minimum loan amount of $10,000; Lowest advertised rate includes maximum 0.50% discount for new and used auto loans Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Used Auto Loans	-	-	4.89%	72 months
Details As Low As; Used auto loans (3-6 years or newer with more than 36,000 miles); Minimum loan amount of $10,000; Lowest advertised rate includes maximum 0.50% discount for new and used auto loans Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Older Auto Loans (7+ Years)	-	-	4.99%	54 months or Less
Details As Low As; Minimum loan amount of $10,000; Lowest advertised rate includes maximum 0.50% discount for new and used auto loans Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Older Auto Loans (7+ Years)	-	-	5.49%	72 months
Details As Low As; Minimum loan amount of $10,000; Lowest advertised rate includes maximum 0.50% discount for new and used auto loans Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Other Vehicle Loans (ATVs & Motorcycles)	-	-	6.24%	54 months or Less
Details As Low As; Minimum loan amount of $10,000; Lowest advertised rate includes maximum 0.50% discount for new and used auto loans Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74% Oct 14, 20266.24%▲ from 5.99% Sep 22, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Other Vehicle Loans (RV & Boat)	-	-	6.74%	72 months or less
Details As Low As; Minimum loan amount of $10,000; Lowest advertised rate includes maximum 0.50% discount for new and used auto loans Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.24% → 6.74% ▲ 0.50 pts · high 6.74% / low 6.24% Oct 14, 20266.74%▲ from 6.49% Sep 22, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Other Vehicle Loans (ATVs & Motorcycles)	-	-	6.99%	72 months
Details As Low As; Minimum loan amount of $10,000; Lowest advertised rate includes maximum 0.50% discount for new and used auto loans Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 6.99% / low 6.24% Oct 1, 20266.99%▲ from 6.24% Sep 22, 20266.24%▼ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Other Vehicle Loans (RV & Boat)	-	-	6.99%	95 months
Details As Low As; Minimum loan amount of $10,000; Lowest advertised rate includes maximum 0.50% discount for new and used auto loans Last Updated 10/14/2026 Rate History 3 changes since Sep 14, 2026 · 7.49% → 6.99% ▼ 0.50 pts · high 7.49% / low 6.74% Oct 14, 20266.99%▼ from 7.49% Oct 1, 20267.49%▲ from 6.74% Sep 22, 20266.74%▼ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%

Neighborhood Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loans	7.47%	13-24 months
Details As Low As; Rates subject to change. With approved credit. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.47% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Unsecured Personal Loans	7.47%	25-36 months
Details As Low As; Minimum loan amount $2,001 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.47% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Unsecured Personal Loans	7.49%	12 months or less
Details As Low As; Rates subject to change. With approved credit. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Personal Loan Plus	9.74%	73 - 94 months
Details Loan Amount: $10,000 - $50,000 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Unsecured Line of Credit - Revolving	12.99%
Details As Low As; Rate: As low as 12.99% APR Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 12.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%

Neighborhood Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Individual Retirement (IRA)	-	-	0.10%
Min Deposit $100 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
IRA	0.10%	-	0.10%
Min Deposit $100 Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Standard Certificates - 12 months	4.02%	-	4.10%	12 months
Min Deposit $2,500 Details Minimum Opening Deposit: $2,500; Additional deposits are not allowed Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Sep 27, 20264.10%▲ from 3.90% Sep 22, 20263.90%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Standard Certificates - 18 months	4.02%	-	4.10%	18 months
Min Deposit $2,500 Details Minimum Opening Deposit: $2,500; Additional deposits are not allowed Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60% Sep 27, 20264.10%▲ from 3.75% Sep 22, 20263.75%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Standard Certificates - 30 months	4.02%	-	4.10%	30 months
Min Deposit $2,500 Details Minimum Opening Deposit: $2,500; Additional deposits are not allowed Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65% Sep 27, 20264.10%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Standard Certificates - 36 months	4.07%	-	4.15%	36 months
Min Deposit $2,500 Details Minimum Opening Deposit: $2,500; Additional deposits are not allowed Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Sep 27, 20264.15%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Standard Certificates - 48 months	4.07%	-	4.15%	48 months
Min Deposit $2,500 Details Minimum Opening Deposit: $2,500; Additional deposits are not allowed Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70% Sep 27, 20264.15%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Standard Certificates - 6 months	3.92%	-	4.00%	6 months
Min Deposit $2,500 Details Minimum Opening Deposit: $2,500; Additional deposits are not allowed Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Sep 27, 20264.00%▲ from 3.70% Sep 22, 20263.70%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%
Standard Certificates - 60 months	4.16%	-	4.25%	60 months
Min Deposit $2,500 Details Minimum Opening Deposit: $2,500; Additional deposits are not allowed Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65% Sep 27, 20264.25%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.85%

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Financial Health History

Neighborhood Credit Union’s Texas Ratio rose from 6.96% in Q3 2023 to 8.85% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	8.85%	5.0	A
March 31, 2026	$1.1B	9.00%	5.0	A
December 31, 2025	$1.1B	8.03%	5.0	A
September 30, 2025	$1.1B	7.88%	5.0	A
June 30, 2025	$1.1B	7.06%	5.0	A
March 31, 2025	$1.1B	5.90%	5.0	A+
December 31, 2024	$1.1B	8.44%	5.0	A
September 30, 2024	$1.2B	7.93%	5.0	A
June 30, 2024	$1.1B	7.32%	5.0	A
March 31, 2024	$1.1B	7.30%	5.0	A
December 31, 2023	$1.1B	6.95%	5.0	A
September 30, 2023	$1.1B	6.96%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Neighborhood Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Neighborhood Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Neighborhood Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Neighborhood Credit Union

Website https://www.myncu.com

Address 13649 Montfort Dr, Dallas, TX 75240-2521

Phone 214-748-9393

Fax

President Dwayne Boozer

CEO Chet Kimmell

Full-Time Employees 190

Part-Time Employees 7

Branch Locations 18

ATM Locations 14

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.85%

Return on Assets (ROA)

0.3275%

Return on Equity (ROE)

3.0447%

Non-Performing Loans Ratio (NPL)

1.54%

Total Assets

1,124,151,586

Total Amount of Shares and Deposits

998,109,963

Total Shares and Deposits < 1 Year

922,181,571

Total Shares and Deposits 1 3 Years

66,065,299

Total Shares and Deposits > 3 Years

9,863,094

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

77,464,897

Total Uninsured Shares and Deposits > $250K (F+J)

77,464,897

Total Insured Shares and Deposits > $250K (item 17 less item K)

920,645,066

Total Interest Expense (Sum of items 6 8)

10,213,115

Share Certificates

5,676

Number of Accounts for Share Drafts

46,590

IRA KEOGH Accounts

2,118

Number of Accounts for Regular Shares

87,005

All other shares

4,257

Non Member Deposits

Money Market Shares

459

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

28,315,436

Total Liabilities

1,010,745,961

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Neighborhood Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Neighborhood Credit Union

How many branches does Neighborhood Credit Union operate?

Neighborhood Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Neighborhood Credit Union?

Yes, to access services at Neighborhood Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Neighborhood Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Neighborhood Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Neighborhood Credit Union offer online and mobile banking?

Most modern institutions like Neighborhood Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myncu.com.

Current Neighborhood Credit Union Rates

12-Month CD4.00%
18-Month CD4.10%
24-Month CD4.10%
60-Month CD4.25%
Savings4.15%
MMA0.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Neighborhood Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Neighborhood Credit Union Texas Ratio

Neighborhood Credit Union Health Trend

Neighborhood Credit Union CD Rates

Neighborhood Credit Union Savings Rates

Neighborhood Credit Union Money Market Rates

Neighborhood Credit Union Checking Rates

Neighborhood Credit Union Home Equity & HELOC

Neighborhood Credit Union Auto Loan Rates

Neighborhood Credit Union Personal Loan Rates

Neighborhood Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Neighborhood Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Neighborhood Credit Union

How many branches does Neighborhood Credit Union operate?

Is a member application needed to join Neighborhood Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Neighborhood Credit Union offer online and mobile banking?

Current Neighborhood Credit Union Rates

Compare to Other Credit Unions