Credit union · NCUA insured
Neighborhood Credit Union Credit Card Rates
Top CarrotNeighborhood Credit Union credit card rates start at 1.99% APR. Rates checked October 6, 2026.
How Neighborhood Credit Union’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where Neighborhood Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Neighborhood Credit Union
– –
No ongoing APR published
Lowest rate
Service 1st Credit Union
6.00%APR
2nd-lowest rate
Unity One Credit Union
8.90%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Credit Card
Must be 18 years or older to apply (applicants under 21 may require a co-signer unless independent means of repayment can be established). Introductory APR applicable to new credit card applications on purchases and balance transfers (and cash advances per p39 line 25). Variable APR after intro period calculated based on Wall Street Journal Prime Rate up to a maximum of 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | Introductory APR for up to 6 months from issuance of card on purchases and balance transfers for new applications. |
| Ongoing | 15.50%–18.00% | None | Variable APR after introductory period based on creditworthiness. |
| Ongoing | 1.99% | None | Introductory APR. Rates quoted are APR. With approved credit. |
Sources (4)
- myncu.com/bank/rates-and-fees
- myncu.com/borrow/apply-for-loan
- myncu.com/borrow/credit-cards
- myncu.com/borrow/platinum-credit-card
All captured Sep 17, 2026
Visa Signature® Cash Rewards Credit Card
Must be 18 years or older to apply (applicants under 21 may require a co-signer unless independent means of repayment can be established). APR based on creditworthiness. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Earns 1.50% cash back on all purchases. No annual fee. No balance transfer fees. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee up to $35. Foreign transaction fee 2.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.50%–18.00% | None | Low variable interest rate based on creditworthiness, calculated based on the Wall Street Journal Prime Rate up to a maximum of 18.00%. No balance transfer fees. Earns 1.50% cash back on all purchases. |
Sources (4)
- myncu.com/bank/rates-and-fees
- myncu.com/borrow/apply-for-loan
- myncu.com/borrow/credit-cards
- myncu.com/borrow/rewards-credit-card
All captured Oct 6, 2026
Who can join Neighborhood Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals are eligible for membership if they live in the state of Texas.
Family and household
- Individuals qualify for membership simply by having a qualifying family member.
Cost to join
- Members are required to purchase and maintain a minimum membership share with a $25 deposit into a Prize Savings Account.
Membership information collected October 5, 2026.