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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270
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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


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Better Rates than Banks

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No Market Risk

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Flexible Timelines

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Guaranteed Returns

Inflate My Rate CD

1.00% APY¹

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: 1.00%
Minimum Opening Deposit: $2,500
Term: 25Months
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.




Online Savings

0.80% APY*

An exclusive rate only available online with additional deposits allowed.
Already a member? Open Your CD Here
Fixed Interest Rate: 0.80%
Minimum Opening Deposit: $1,500
Term: 17 Months
Good to Know: Must be 18 years of age or older.




Standard Certificate

Earn up to 1.00% APY*



Minimum Opening Deposit: $2,500
Additional deposits not allowed.


Term Interest APY*
91 days 0.20% 0.20%
6 months 0.40% 0.40%
12 months 0.60% 0.60%
18 months 0.70% 0.70%
30 months 0.70% 0.70%
36 months 0.70% 0.70%
48 months 0.80% 0.80%
60 months 1.00% 1.00%



IRA & Roth IRA

Earn up to 1.00% APY*

Minimum Opening Deposit: $2,500
Additional deposits allowed with $25 minimum; yearly IRS contributions limits. 


Term Interest APY*
12 months 0.60% 0.60%
18 months 0.70% 0.70%
30 months 0.70% 0.70%
36 months 0.70% 0.70%
48 months 0.80% 0.80%
60 months 1.00% 1.00%



 

FlexPlus

0.40% APY*

A short-term length option with a low opening deposit and additional deposits allowed.
Already a member? Open Your CD Here
Fixed Interest Rate: 0.40%
Minimum Opening Deposit: $500
Term: 12 Months



¹APY = Annual Percentage Yield. Rates effective June 24, 2021 and are subject to change without notice. Must be 18 years of age or older to open Certificate of Deposit. 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. Please see the CD Truth-in-Savings Disclosures for additional information.
*APY = Annual Percentage Yield are effective June 24, 2021. and are subject to change without notice. CD interest is compounded daily. An interest penalty is required for early withdrawal. Please see the CD Truth-in-Savings Disclosures for additional information.
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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.
 



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What You Can Expect

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.
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Account Finder

Not sure where to start? Let us narrow down products that may be the solution to what you’re looking for!

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:

  1. Change the term.
  2. Make additional deposits or withdrawal funds.
  3. 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.

Who We Are

Formerly known as Dallas Postal Credit Union, Neighborhood Credit Union opened its doors to its first members in April 1930, just months after the U.S. stock market crashed. During the Great Depression, when Americans’ trust in financial institutions were at their lowest, Dallas Postal Credit Union won that trust and loyalty of its charter members. In 2001, we officially changed our name to Neighborhood Credit Union, a name that more accurately reflects the diverse base of members from all over the Dallas area.

Neighborhood Credit Union now serves the entire state of Texas with over 56,000 members and assets that top $1 billion. Our ongoing effort to offer members convenient services in their communities and mobile access wherever they go has made us a top-rated credit union in the Dallas-Fort Worth area.