--- title: "Neighborhood Credit Union Rates - Texas" description: "Current heloc, personal loan, and savings & cd rates from Neighborhood Credit Union in Texas. Updated daily with source verification. See who can join Neighborhood Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/neighborhood" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Neighborhood Credit Union Rates - Texas ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity (1st Lien) <50% CLTV** heloc | — APR | 6.290% | — | Standard | | **Home Equity (1st Lien) <65% CLTV** heloc | — APR | 6.390% | — | Standard | | **Home Equity (2nd Lien) <50% CLTV** heloc | — APR | 6.790% | — | Standard | | **Home Equity (2nd Lien) <65% CLTV** heloc | — APR | 6.890% | — | Standard | Neighborhood Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home improvement with a personal loan? (73 - 94 months)** personal_unsecured_94mo | — APR | 9.740% | 94 mo | Standard | Neighborhood Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **91 Days** savings | — APY | 3.68% | — | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.92% | 6 mo | Standard | | **30-Month Certificate** cd_30mo | — APY | 4.02% | 30 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 4.02% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 4.02% | 18 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.07% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.07% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.16% | 60 mo | Standard | Neighborhood Credit Union savings & cd rates as of November 12, 2026 Neighborhood Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/neighborhood) , verified from [Neighborhood Credit Union's official website](https://www.myncu.com/) Loading branch locator… ## About Neighborhood Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 68.3K Assets $1.1B Founded 1930 Locations reported 17 NCUA charter 67681 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Resource One** North Dallas · Dallas · TX · 75251-1317 About 1.5 miles away](https://rateapi.dev/credit-unions/texas/resource-one) [**Texans** Preston & Forest · Dallas · TX · 75230 About 1.6 miles away](https://rateapi.dev/credit-unions/texas/texans) [**Energy One** Dallas · Dallas · TX · 75254-4362 About 2.0 miles away](https://rateapi.dev/credit-unions/oklahoma/energy-one) [**National Police** Texas Office · Dallas · TX · 75244-5105 About 2.7 miles away](https://rateapi.dev/credit-unions/illinois/national-police) [**Prestige Community** Main · Dallas · TX · 75248 About 2.7 miles away](https://rateapi.dev/credit-unions/texas/prestige-community) [**Libertyone** LibertyOne Credit Union · Farmers Branch · TX · 75244 About 2.9 miles away](https://rateapi.dev/credit-unions/texas/libertyone) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Neighborhood Credit Union Membership eligibility from Neighborhood Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Neighborhood Credit Union's website. Check the membership page below to confirm whether you qualify. - Location TX - Employer A Company Served by Neighborhood Credit Union, Dallas United States Postal Service, Arlington United States Postal Service - Association Neighborhood Credit Union Foundation, American Consumer Council Verified from [Neighborhood Credit Union's membership page](https://www.myncu.com/about-us/who-we-are) . Final membership determination is always made by the credit union. ## Membership rules for Neighborhood Credit Union Geography 1 · Employers 4 · Associations 2 · Family 8 published paths to membership, last verified August 27, 2026, quoted from Neighborhood Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - TX “Anyone who lives in the state of Texas is eligible for membership.” > [source ↗](https://www.myncu.com/about-us/who-we-are) ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of A Company Served by Neighborhood Credit Union “Currently employed or retired from: A Company Served by Neighborhood Credit Union” > [source ↗](https://www.myncu.com/bank/open-account) - Employee of A Company Served by Neighborhood Credit Union - Retired employee of A Company Served by Neighborhood Credit Union “Currently employed or retired from: A Company Served by Neighborhood Credit Union” > [source ↗](https://www.myncu.com/bank/open-account) - Retiree of A Company Served by Neighborhood Credit Union - Employee of Dallas United States Postal Service “Dallas United States Postal Service” > [source ↗](https://www.myncu.com/bank/open-account) - Employee of Dallas United States Postal Service - Employee of Arlington United States Postal Service “Arlington United States Postal Service” > [source ↗](https://www.myncu.com/bank/open-account) - Employee of Arlington United States Postal Service ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Neighborhood Credit Union Foundation “Become a member of the Neighborhood Credit Union Foundation, which is automatically done for you upon approval, and live in: Texas” > [source ↗](https://www.myncu.com/bank/open-account) - Member of Neighborhood Credit Union Foundation - Member of American Consumer Council “A member or potential member of the American Consumer Council and reside in one of the following counties: Delta Denton Hunt Johnson Kaufman Parker Rockwall Tarrant Wise” > [source ↗](https://www.myncu.com/bank/open-account) - Member of American Consumer Council ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Simply meet one of the below criteria OR be related to someone who does” > [source ↗](https://www.myncu.com/bank/open-account) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Neighborhood Credit Union? Yes No ## Work at Neighborhood Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Neighborhood Credit Union ranks against Texas peers. - See which AI assistants fetched Neighborhood Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=neighborhood&state=texas&code=TX&name=Neighborhood%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Neighborhood Credit Union offer? Neighborhood Credit Union currently offers HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Neighborhood Credit Union rates updated? RateAPI verifies Neighborhood Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Neighborhood Credit Union's rate data? Rate data is collected directly from Neighborhood Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Neighborhood Credit Union? Neighborhood Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 1 geographic area, 4 employers and 2 associations for Neighborhood Credit Union, each quoted from Neighborhood Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Neighborhood Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.myncu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Neighborhood Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Neighborhood Credit Union curl "https://api.rateapi.dev/credit-unions/texas /neighborhood " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Neighborhood Credit Union locations Search, filter, and browse all 17 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/neighborhood Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp