Certificates of Deposit
Easily open your CD and apply online or visit one of our local branches.
Already a member? Open Your CD Here
Why Invest with Neighborhood Credit Union
Better Rates than Banks
No Market Risk
Flexible Timelines
Guaranteed Returns
Inflate My Rate CD |
| A short-term certificate of deposit that allows one opportunity during the term to request your rate be matched to the 18-month CD rate.¹ Already a member? Open Your CD Here |
| Fixed Interest Rate: 3.44% |
| Minimum Opening Deposit: $2,500 |
| Term: 25 Months |
| Rate Match: One rate match to our Standard 18-Month CD rate allowed during 25-month term. How do I request my rate match? |
| Good to Know: No additional deposits allowed. After 25-months, this CD converts and renews as a Standard 18-Month CD. |
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Online Savings |
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An exclusive rate only available online with additional deposits allowed.
Already a member? Open Your CD Here
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| Fixed Interest Rate: 3.73% |
| Minimum Opening Deposit: $1,500 |
| Term: 17 Months |
| Good to Know: Must be 18 years of age or older. |
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Standard CertificateEarn up to 3.80 % APY3 |
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Minimum Opening Deposit: $2,500
Additional deposits not allowed.
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| Term | Interest | APY* |
| 91 days | 3.20% | 3.25% |
| 6 months | 3.68% | 3.75% |
| 12 months | 3.73% | 3.80% |
| 18 months | 3.58% | 3.65% |
| 30 months | 3.44% | 3.50% |
| 36 months | 3.20% | 3.25% |
| 48 months | 3.30% | 3.35% |
| 60 months | 3.44% | 3.50% |
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FlexPlus |
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A short-term length option with a low opening deposit and additional deposits allowed.
Already a member? Open Your CD Here
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| Fixed Interest Rate: 3.68% |
| Minimum Opening Deposit: $500 |
| Term: 12 Months |
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1Rates effective June 13, 2025. Inflate My Rate CD: APY = Annual Percentage Yield. Must be 18 years of age or older to open Certificate of Deposit. Rates subject to change. Interest is compounded daily. $2,500 minimum deposit to open. Only one rate increase allowed during 25 month term. Rate increase is not automatic and is dependent on member request by secure communication or verifiable documents. Rate increase will have an effective date that begins on date of confirmed request and will be in effect from that date till term end. Rate increased interest rate is dependent on Neighborhood CU's 18 month CD. If our 18 month CD rate increases during your Inflate My Rate CD's 25 month term, request a rate increase and we'll increase your Inflate My Rate CD's interest rate to match the 18 month CD rate. The new rate is locked in until end of the term. At the end of the 25 month term, Inflate My Rate CD converts and renews as a standard Neighborhood CU 18 month CD. Cannot be combined with any other rate offers or rate increase promotions. Not offered on trusts, business accounts or Individual Retirement Accounts (IRAs). An interest penalty is required for early withdrawal. Fees may reduce earnings. Federally insured by NCUA.
2Rates effective June 13, 2025. Online Savings CD: Fixed interest rate at 3.73%. Rate subject to change. Minimum opening deposit is $1,500. Additional $25 minimum deposits allowed. An interest penalty is required for early withdrawal. Online certificate products must be opened online and are only eligible to those 18 years of age or older. Fees may reduce earnings. Federally Insured by NCUA.
3Rates effective June 13, 2025. Standard CD: Rate subject to change. Minimum opening deposit is $2,500 for all standard, IRA, and Roth IRA certificates. Interest is compounded daily. An interest penalty is required for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
4Rates effective June 13, 2025. Flex Plus CD: Fixed interest rate at 3.68%. Rate subject to change. Minimum opening deposit is $500. Additional $25 minimum deposits allowed. An interest penalty is required for early withdrawal. Online certificate products must be opened online and are only eligible to those 18 years of age or older. Fees may reduce earnings. Federally insured by the NCUA.
Please see the CD Truth-in-Savings Disclosures for additional information.
Already a member and want to open a CD online?
If you are already a member of Neighborhood CU and you would like to open your CD online, please log into your Online Banking account and look under the Additional Services tab.
Better Rates Than Banks
Enjoy getting a better interest rate and earning higher returns than you would at other big banks.
Flexible Timelines
Plan for life’s events near and far by picking a term ranging from 3 months to 5 years.
Low Risk Way to Grow
A fixed interest rate means the rate stays the same until maturity.
Want to compare CDs side by side?
Click the "Compare CDs" button to explore in-depth.
Compare CDs
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| Account Type | Summary | Minimum Opening Deposit | Interest Rate / APY* | Flexible |
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| Inflate My Rate CD |
A 25-month CD with one opportunity during the term to request a rate match to the 18-month CD rate.
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$2,500 | 3.44% / 3.50% |
No additional deposits allowed
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| Online Savings CD |
Must be opened online, must be 18 years of age or older, short-term of 17 months
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$1,500 | 3.73% / 3.80% | Additional $25 minimum deposits allowed |
| Standard Certificate |
Terms from 91 days to 60 months, competitive rates, low risk
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$2,500 |
Up to 3.44% / Up to 3.80 %
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No additional deposits allowed |
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Save for retirement with a competitive rate, yearly IRS contribution limits, terms from 12 months to 60 months.
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$2,500 | Up to 3.44% / Up to 3.65 % | Additional $25 minimum deposits allowed | |
| FlexPlus |
A flexible short-term CD for 12 months to grow your money fast
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$500 | 3.68% / 3.75% | Additional $25 minimum deposits allowed |
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Frequently Asked Questions
Interest on all certificates are credited at the end of each month.
When you reach your maturity date, you have a ten (10) day window to do one of three things:
- Change the term.
- Make additional deposits or withdrawal funds.
- Close the CD.
If you reach the maturity date and don't make any changes or withdrawals, your CD will automatically renew into the same system.
Yes, we may impose a penalty if you withdraw before the maturity date. For certificates with terms of one (1) year or less, the penalty is 180 days of interest. Certificates with terms of more than 1 year, the penalty is 365 days of interest. Please see the certificate Truth-In-Savings Disclosure for more details.
During the 25-month term, members are allowed to request a one-time rate match on their Inflate My Rate CD to the Standard 18-Month CD rate. Members can make the request by secure communication by sending us a secure email in Online Banking or in the My NCU Mobile App.
Opening a CD is as simple as opening one online or visiting one of our branch locations. If you are already a member of Neighborhood CU and you would like to open your CD online, please log into your Online Banking account and look under the Additional Services tab.
Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 90 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.
We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.
As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.
At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.
