Online Savings CD
Online-Only CD
Online Savings CD Details
Earn 4.15% APY*
Grow your savings with a fixed-rate, 17-month CD that lets you make additional deposits throughout the term.
4.15% APY
Fixed rate
17 Months
Fixed term
$1,500
Minimum opening deposit
$25 Minimum
Additional deposits allowed
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Additional deposits of $25 or more are allowed during the term.
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This certificate must be opened online.
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You must be 18 years or older to open an Online Savings CD.
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An interest penalty is required for early withdrawal.
Save more throughout your CD term
Unlike a traditional CD that generally limits additional deposits after opening, the Online Savings CD lets you add deposits of $25 or more throughout the 17-month term.
Already a member? Open your Online Savings CD here.
*APY = Annual Percentage Yield. Online Savings CD: Fixed interest rate at 4.07%. 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. Please see the CD Truth-in-Savings Disclosures for additional information.
Why Invest with Neighborhood Credit Union
Better Rates than Banks
Lock in a Fixed Rate
Short Term Timeline
Guaranteed Returns
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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 4.25% | $2,500 | No |
| FlexPlus CD | 12 months | 4.00% | $500 | Yes, $25 minimum |
| Online Savings CD | 17 months | 4.15 % | $1,500 | Yes, $25 minimum |
| Inflate My Rate CD | 25 months | 4.00% | $2,500 | No |
| Traditional & Roth IRA CDs | 12–60 months | Up to 4.25% | $2,500 | Yes, $25 minimum |
APY = Annual Percentage Yield. Rates are subject to change without notice. An interest penalty is required for early withdrawal.
60-Month Traditional CD
Don’t let the stock market numbers keep you up at night. A fixed interest rate means the rate stays the same until maturity.
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.
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.