[TX only] Neighborhood Credit Union 2.5% APY On Balances Up To $50,000

Offer at a glance

  • Interest Rate: 2.5% APY when requirements are met
  • Minimum Balance: None
  • Maximum Balance: $50,000 for 2.5% APY rate
  • Availability: Must live, work or worship in one of the following counties: Collin, Delta, Denton, Hunt, Johnson, Kaufman, Parker Rockwall, Tarrant or Wise. All are in Texas.
  • Direct deposit required: Yes
  • Additional requirements: 15 debit transactions of $5+
  • Hard/soft pull: Hard
  • ChexSystems: Unknown
  • Credit card funding: Unknown 
  • Monthly fees: None
  • Insured: NCUA

The Offer

Direct link to offer

  • Neighborhood Credit Union is offering a 2.50% APY rate on balances up to $50,000 when you meet the following requirements each qualification cycle:
    • Complete 15 debit or credit card transactions of $5 or more
    • Receive one automatic payment or direct deposit (must post & settle)
    • Receive eStatements


Avoiding Fees

This account has no monthly fees to worry about

Our Verdict

The high maximum balance is nice, but the fact you need 15 debit transactions per month and they need to be over $5 each makes this account much less appealing. I think most people will probably find better options for high interest accounts here, but if somebody does decide to sign up please let us know if it’s a hard/soft pull and if you can fund with a credit card.

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TU isn’t so bad since only Barclays seems to ever pull them. We’re moving to Ft Worth in a few months so we’d be able to do this. Would just have to figure out what to do the $5 debits on.


Use it as debit card transaction at walmart/kroger and return the items. They’ll give you cash back. That is what I do every month.


Yes its 15 debit/credit transactions. And It is not available for everybody in Tx. The requirements are such that either you need to live in the city or 15 mile radius of any of the branches.

Please update. I know this CU as have an account with them. It’s an Hard pull as well.


Post says five debits are required. Bank says it’s fifteen. Please update.


I opened the account about a year ago.
They do hardpull and it was TU


Have an account and they do hard pull. EQ I believe