Visa Platinum Credit Card
We'll never charge you an annual fee.
Cardholders can enjoy a low intro rate for 6 months on purchases and balance transfers, then a low variable rate based on creditworthiness up to 18.00%.¹
¹Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. Introductory APR only applicable to new credit card applications. 1.99% Introductory APR for 6 months from issuance of the card on balance transfers and purchases. After the introductory period, APR will be adjusted based on creditworthiness and balance transfer fee will be at 3%. 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%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. 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. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. Additional limitations, terms and conditions may apply. Equal Opportunity Lender.
Why Choose the Visa® Platinum Credit Card?
Low Variable Interest Rate¹
Mobile Wallet Compatible
Never Pay an Annual Fee¹
Variable APR of 15.5 % to 18%¹
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| Low introductory APR for up to 6 months, then variable APR is based on your creditworthiness, from 15.50% to 18.00%.¹ |
| Introductory APR includes purchases, balance transfers, and cash advances.¹ |
| No annual fee. |
Visa Platinum¹Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. Introductory APR only applicable to new credit card applications. 1.99% Introductory APR for 6 months from issuance of the card on balance transfers and purchases. After the introductory period, APR will be adjusted based on creditworthiness and balance transfer fee will be at 3%. 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%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. 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. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. Additional limitations, terms and conditions may apply. Equal Opportunity Lender.View the Guide to Benefits (Opens in a new Window)and the Platinum Credit Card Disclosure(Opens in a new Window).
Mobile Wallet
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
Card Controls on the App
Easily turn off and on, report lost, or cancel your credit card with Card Controls in Online Banking or the MyNCU Mobile App.
Credit Card Access through Online Banking
Securely access your Neighborhood Credit Union Visa Credit Card through Online Banking. Make payments, view your current account summary, card activity, and billing statements.
Membership Benefits
Membership is more than just your $25 share. See all of our benefits, account perks, and lending products.
Convenience Services
Safety deposit boxes and Courtesy Pay overdraft protection on your checking accounts.
Money Management
Have a personal finance dashboard at your fingertips inside Online Banking and the MyNCU Mobile App.
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| Account Type | Summary | Get Started |
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| Online Checking accounts |
Choose free checking with high yield interest or cash back, identity protection and shopping rewards, or get a second chance at banking with our Fresh Start Checking account.
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| online Savings accounts |
Prize savings, high yield savings, CDs, Christmas Club, and more. We even have an account for the kids.
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| Certificates of Deposit |
CDs with multiple rates and term length available so that you find the perfect one to fit your investment needs.
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| Auto Loans |
Consistently offering some of the lowest rates available for new, used, or refinancing in the DFW Metroplex.
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Apply Now |
| Personal Loans |
Consolidate bills, take a vacation, finance repairs, or put cash in your pocket.
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Apply now |
| Credit Cards |
No annual fees, no balance transfer fee, and a low rate.
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Apply Now |
| Home Loans |
Home Equity, Home Improvement, Mortgage and refinancing loans with competitive rates.
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Learn more |
| Insurance |
Everything from Dent Guard to Life Insurance.
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Learn more |
More About Neighborhood Credit Union
Neighborhood Credit Union is based in Dallas, TX and proud to be a full-service, digital credit union. Open checking accounts online, savings accounts, and even apply for loans online within minutes. We offer some of the lowest auto loan rates and personal loan rates in Dallas.