Certificates of Deposit
Grow your savings with competitive CD rates and flexible terms from 91 days to 60 months.
Already a member? Open Your CD Here
Why Invest with Neighborhood Credit Union
Better Rates than Banks
Fixed-Rate Savings
Flexible Timelines
Guaranteed Returns
LIMITED-TIME SPECIAL
15-Month CD Special
4.40% APY1
Lock in a fixed rate for 15 months with a $10,000 minimum opening deposit of new money.
- Interest Rate: 4.31%
- Term: 15 months
- Minimum Deposit: $10,000
- New Money: Required
Inflate My Rate CD
3.75% APY2
Lock in your rate with one opportunity to request a match to our Standard 18-Month CD rate during the term.
- Interest Rate: 3.68%
- Term: 25 months
- Minimum Deposit: $2,500
- Rate Match: One opportunity during the term
Online Savings CD
3.60% APY3
An online-only CD that lets you continue adding to your savings during the term.
- Interest Rate: 3.54%
- Term: 17 months
- Minimum Deposit: $1,500
- Additional Deposits: $25 minimum
FlexPlus CD
3.70% APY5
Start with a lower minimum deposit and continue adding to your savings throughout the term.
- Interest Rate: 3.63%
- Term: 12 months
- Minimum Deposit: $500
- Additional Deposits: $25 minimum
Standard Certificates
Earn up to 4.40% APY4
Choose from a range of fixed terms based on when you expect to need access to your savings.
Minimum Opening Deposit: $2,500 | Additional deposits are not allowed.
Learn More| Term | Interest Rate | APY4 |
|---|---|---|
| 91 days | 3.44% | 3.50% |
| 6 months | 3.63% | 3.70% |
| 12 months | 3.83% | 3.90% |
| 18 months | 3.68% | 3.75% |
| 30 months | 3.59% | 3.65% |
| 36 months | 3.69% | 3.75% |
| 48 months | 3.64% | 3.70% |
| 60 months | 3.59% | 3.65% |
IRA & Roth IRA Certificates
Earn up to 3.90% APY4
Build retirement savings with fixed-rate IRA and Roth IRA certificate options.
Minimum Opening Deposit: $2,500 | Additional deposits of $25 or more are allowed, subject to annual IRS contribution limits.
Learn More| Term | Interest Rate | APY4 |
|---|---|---|
| 12 months | 3.83% | 3.90% |
| 18 months | 3.68% | 3.75% |
| 30 months | 3.59% | 3.65% |
| 36 months | 3.69% | 3.75% |
| 48 months | 3.64% | 3.70% |
| 60 months | 3.59% | 3.65% |
Find a Location IRA & Roth IRA CDs must be opened in a branch.
1APY = Annual Percentage Yield. APY of 4.40% based on 15 Month Certificate of Deposit (CD) with a fixed rate of 4.31%. Rate subject to change. Rate effective as of 09/16/2026. Minimum opening deposit is $10,000. CD must be opened with new funds (brought from an outside source), cannot be opened with funds currently on deposit with Neighborhood Credit Union, nor have the funds left Neighborhood CU within the last 14 days of promotional start date. At the end of the 15 Month term, the CD converts and renews as a standard Neighborhood CU 12 Month CD. Cannot be combined with any other rate offers or rate increase promotions. Not offered on Individual Retirement Accounts (IRAs). Limited time offer. Promotion may end at any time without notice. Interest is compounded daily. An interest penalty is required for early withdrawal. Insured by NCUA.
2 Rates effective September 17, 2026. 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.
3 Rates effective September 17, 2026. Online Savings CD: Fixed interest rate at 3.54%. 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.
4 Rates effective September 17, 2026. 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.
5 Rates effective September 17, 2026. Flex Plus CD: Fixed interest rate at 3.63%. 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.
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| CD Type | Term | APY | Minimum Deposit | Additional Deposits |
|---|---|---|---|---|
| 15-Month CD Special | 15 months | 4.40% | $10,000 | No |
| Standard CD | 91 days–60 months | Up to 3.75% | $2,500 | No |
| FlexPlus CD | 12 months | 3.50% | $500 | Yes, $25 minimum |
| Online Savings CD | 17 months | 3.60% | $1,500 | Yes, $25 minimum |
| Inflate My Rate CD | 25 months | 3.65% | $2,500 | No |
| Traditional & Roth IRA CDs | 12–60 months | Up to 3.75% | $2,500 | Yes, $25 minimum |
APY = Annual Percentage Yield. Rates are subject to change without notice. An interest penalty is required for early withdrawal.
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 96 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.
