Here’s What’s New at Neighbors United

Why settle for the ordinary when you can experience extraordinary with Neighbors United Federal Credit Union? Make the smart choice – switch to Neighbors United credit cards!

Enjoy credit cards with unbeatable fixed rates starting as low as 8.90% APR*. Say goodbye to average store cards and bank cards. Neighbors United outshines them all, with rates much lower than the 21.47% national average.

But there’s more!

• No annual fees, balance transfer, or cash advance fees

• UChoose Rewards – Earn one point for every $1.00 spent

• 24/7 security protection and service

Ready to Embrace Better?

Make the switch to Neighbors United!

Start your SPRING with a BREAK from your car payment!

We know that times are tough, and you deserve a break. Let you friends at Neighbors United help!

You already know about our great auto loan rates, as low as 3.00% APR*, but between March 1, 2024 and April 30, 2024 you can also enjoy 90 days until your first payment. This means more money for your Spring Break vacation or just some relief from the increased cost of pretty much everything.

Apply today and get just the break you have been waiting for!

*APR=Annual Percentage Rate. Offer valid on approved applications received between March 1, 2024 and April 30, 2024. Offer valid for purchases or refinances with a floor rate of 3.00% APR. Proof of current auto loan rate required. Offer not valid for auto loans currently held with Neighbors United FCU. Subject to credit approval. We reserve the right to modify, suspend or terminate the promotion for any reason, without notice, at any time. See credit union for details. Federally insured by the NCUA.

Ready to jump start your education? Well, good news! With a Neighbors United FCU Scholarship, you have the chance to win the funds you need to start your college experience!

Students can apply for the Neighbors United Scholarship of $1,000.* Starting October 1, 2024, applications will be accepted through February 1, 2025, for scholarships for 2024-2025.  Click the button below to learn more about the application process, important deadlines, and more.

*Must be a Neighbors United Federal Credit Union member in good standing. (Memberships of parents or other immediate family members do not qualify). General application criteria: Students must have a 3.0 GPA (unweighted on a 4.0 scale) to be considered and must be full-time students in the year for which they are applying for a scholarship. **All application questions, communications, winner selections, and distribution of funds are processed through Carolinas Credit Union Foundation. See credit union for details. Federally Insured by NCUA.

We believe in keeping you in the loop and making sure you're always ahead of the game when it comes to your financial well-being. That's why we're bringing you NUCU Text Alerts — your ticket to staying informed, saving big, and enjoying exclusive benefits!

Why should you opt-in? Because with NUCU Text Alerts, you'll never miss out on:

• Money-Saving Opportunities: Get the first look at limited-time offers and special money-saving promotions tailored just for NUCU members.

• Exciting Updates: Stay in the know with instant notifications about essential credit union news, events, and updates that matter to you.

You're just a text away from unlocking major benefits and savings. To opt-in, text "mynucu" to +1-864-202-4127 and stay in the loop with Neighbors United Federal Credit Union!

Introducing the Wheels to Work Loan: Your Path to Affordable Transportation and Credit Building!

Are you tired of relying on high-interest "buy here, pay here" dealerships for your vehicle needs? Neighbors United has the perfect solution for you. Our Wheels to Work Loan is designed to empower our members with limited or no credit, providing them with a reliable vehicle that meets their transportation needs.

Our Wheels to Work Loan is tailored to meet your needs:

• Budget Friendly Financing

  • $2,500-$10,000

• A Lot of Miles? No problem!

  • Older Vehicles Approved

• Manageable Terms

• Fixed 10.00% APR*

Apply now and drive towards a brighter tomorrow with Neighbors United’s Wheels to Work Loan!

*APR = Annual Percentage Rate. Wheels to Work loans carry a 10% fixed APR. Must be at current residence for a minimum of six months and will be required to provide pay stubs for proof of employment for the same time period. Minimum 5.00% down payment required. Loans range from $2,500 to $10,000. Your overall credit worthiness will determine the term and amount available to you. Loans subject to credit approval. See credit union for full details. Federally insured by NCUA.

Our Smart Loans are the wise way to avoid high-interest debt, build credit history, and get cash fast! 

When you need funds fast, many predatory lenders will try to lock you into high-risk payday loans. Not only do these payday loans trap you in stressful terms, but they also come with an average interest rate of 391% APR!* At Neighbors United Federal Credit Union, we want you to know that you have smarter, safer options for your financing needs. 

When you apply for a Smart Loan with us, you can get up to $2,500 with terms up to 12-months and an interest rate as low as 18.00% APR.** Why is our loan so smart? 

• This loan gives you access to the funds you need quickly, without the pain of high rates.

• Our rate gives you more manageable monthly payments than predatory lenders. 

• By making these affordable payments on time, you’ll build a stronger credit history!

Ready to make a smart choice? Apply for our Smart Loan and build a brighter financial future for yourself!

*APR = Annual Percentage Rate. On a typical two-week payday loan, a fee of $15 per $100 translates to an annual percentage rate (APR) of 391%. Source: Federal Trade Commission: What To Know About Payday Loans. **18.00% Annual Percentage Rate and terms up to 12 months (52 weeks). The minimum loan amount is $500, and the maximum amount is $2,500. Member must be employed at current job for a minimum of six months, open a second savings account to use as an emergency fund, and have direct deposit to Neighbors United. Smart Loans are not eligible for debt protection. Applications are subject to review of eligibility and approval. See credit union for full details. Federally insured by NCUA.

Saving money doesn’t have to be a headache, especially when you come to Neighbors! Our 9-month and 15-month add-on share certificates are the perfect solution to help you reach your savings goals AND grow them as you go.  

Our share certificates come with higher interest rates, meaning you’ll enjoy reliable returns on your deposit and get extraordinary earnings at the end of the term. For a limited time, you can earn 5.15% APY* with our 9-month certificate, and with our 15-month certificate, you can earn 4.68% APY!*

Make deposits as you go!

Our add-on certificates give you the option of making deposits into your share certificate as you go. This way, you can open a certificate with a minimum deposit of $25,000, start earning, and make deposits that will grow your savings over time!

Start saving reliably without the stress by opening a 9-month or 15-month share certificate with us today. Your extraordinary earnings are waiting! 

*APY = Annual Percentage Yield. To open, a minimum of $25,000 must be deposited into the 9-month or 15-month add-on share certificate. The 9-month and 15-month add-on share certificates allow for additional deposits ($100 minimum per deposit) during the selected term not to exceed $250,000. Limit one per member. At the end of term, the certificates will convert to a standard 12-month certificate at the credit union’s rate at the time of the conversion. Penalties still apply for withdrawal before the maturity date of the share certificate. See credit union for details. Federally insured by NCUA.

We're all about keeping your stress (and your rates) low. If you find yourself panicking about payments or how to bridge the gap between paydays, look to Neighbors United for help to relax!

Our loans come with lower rates than most big banks or lenders, so you can get the funds you need to tide you over without any budget-breaking rates. Because you won't have to worry about unmanageable loan payments, you can shake off stress and enjoy your life the way you deserve

Take a breath and enjoy a little financial peace of mind by applying for a loan at Neighbors United today!

Psst... We have some important news to tell you! Whenever you refer a friend to Neighbors United, you could get up to $75!*

We love growing our membership, and to show it, any time your friend joins with a direct deposit you get $25. Plus you get another $25 if your friend gets a loan, as well as a third $25 if that same friend opens a checking account and uses their debit card! That's $75 for you, and a terrific financial future for your friend!

So start spreading the word and refer your friends today! Your wallet will be happy you did!

*To qualify, the referrer must be an NUCU member in good standing according to the following: 1) No negative shares 30 days or longer, 2) No more than 10 days delinquent on any loan, 3) No unpaid charge-offs, 4) Not currently in bankruptcy. A total of $75 can be paid for any referral who becomes a member of NUCU and meets the required bonuses that can be paid to a member. Activity must be performed within 60 days of membership and payouts will occur at the end of 60 days. New member constitutes no membership with NUCU within the past 90 days. Incentives may be reportable to the IRS for 1099 purposes. Federally insured by NCUA.

Our checking accounts offer easy access, low fees, and flexibility that give you peace of mind for your business.

It's time to make it your business. Open a Neighbors United checking account for your business today.

*Must be a member of Neighbors United FCU to open a business account or apply for a business loan. Federally Insured by NCUA. Equal Housing Lender.

$37.00 (taxes and fees not included)

Carowinds General Season Tickets

$41.00 - $46.00 (taxes and fees not included)

*Use access code: CCUL

Get a head start on paying your bills!

If you have direct deposit, you can access your paycheck 1-2 days earlier depending on your employer. No waiting for your money!

**NOTE: It is important to verify your current automatic transfer schedule related to payroll for your loans or other accounts. If you would like to verify the frequency or timing of those transfers please contact a Member Service Representative. Federally Insured by NCUA.