15-Month CD Special
Earn 4.40% APY¹
Lock in a fixed rate for 15 months with a $10,000 minimum opening deposit in new funds.
Limited-Time Special
15-Month CD Special Details
Earn 4.40% APY
Earn a competitive fixed return with a limited-time 15-month CD special.
4.40% APY
Fixed rate of 4.31%
15 Months
Fixed term
$10,000
Minimum opening deposit
New Funds
Required to qualify
•
Interest is compounded daily.
•
Not available for Individual Retirement Accounts (IRAs).
•
An early withdrawal penalty applies.
•
At maturity, the CD renews as a standard Neighborhood Credit Union 12-month CD.
What counts as new funds?
New funds are funds brought to Neighborhood Credit Union from an outside source. The 15-month CD special cannot be opened with funds currently on deposit with Neighborhood Credit Union or with funds that left Neighborhood Credit Union within the 14 days before the promotion's start date.
Rate effective September 16, 2026. Limited-time offer. Promotion may end at any time without notice.
Already a member? Open your 15-month CD here.
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.
Is a 15-Month CD Right for You?
A 15-month CD may be a good fit if you have savings you won't need during the term and want the predictability of a fixed rate. In exchange for committing your money for 15 months, you can earn a guaranteed rate without the fluctuations that may come with variable-rate accounts.
Put Available Cash to Work
Move qualifying funds from outside Neighborhood Credit Union into a CD earning a fixed rate for 15 months.
Lock In a Fixed Rate
Your 4.31% fixed rate stays the same throughout the 15-month term.
Know When Your CD Matures
A defined term can make it easier to plan when you'll have access to your funds again.
Want to compare CDs side by side?
Not sure whether 15 months is the right term? Compare Neighborhood Credit Union CD rates, terms and minimum opening deposits.
Compare Cds
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| Account Type | Summary | Minimum Opening Deposit | Interest Rate / APY* | Flexible |
|---|---|---|---|---|
| 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.
|
$2,500 | 3.59% / 3.65% |
No additional deposits allowed
|
| Online Savings CD |
Must be opened online, must be 18 years of age or older, short-term of 17 months
|
$1,500 | 3.54% / 3.60% | Additional $25 minimum deposits allowed |
| Standard Certificate |
Terms from 91 days to 60 months, competitive rates, low risk
|
$2,500 |
Up to 3.59% / Up to 3.75 %
|
No additional deposits allowed |
|
Save for retirement with a competitive rate, yearly IRS contribution limits, terms from 12 months to 60 months.
|
$2,500 | Up to 3.59% / Up to 3.65 % | Additional $25 minimum deposits allowed | |
| FlexPlus |
A flexible short-term CD for 12 months to grow your money fast
|
$500 | 3.45% / 3.50% | Additional $25 minimum deposits allowed |
Save Today for What Comes Next
A fixed-term CD can help you put money you've already saved toward a future goal while earning a predictable return.
FAQs
New funds are funds brought to Neighborhood Credit Union from an outside source. The 15-month CD special cannot be opened with funds currently on deposit with Neighborhood Credit Union or with funds that left Neighborhood Credit Union within the 14 days before the promotion's start date.
A minimum opening deposit of $10,000 in new funds is required to open the 15-month CD special.
Yes, but an early withdrawal penalty applies. I’d keep the FAQ answer at that level unless the full account disclosure provides the exact penalty; we shouldn't invent or extrapolate it.
At maturity, the CD renews as a standard Neighborhood Credit Union 12-month CD.
No. The 15-month CD special is not available for Individual Retirement Accounts (IRAs).
Who We Are
As an active part of the community for 96 years, Neighborhood Credit Union is a not-for-profit financial organization serving the state of Texas with branch locations in Collin, Dallas, Denton, Ellis, Grayson, Kaufman and Tarrant counties. With assets topping $1 billion, Neighborhood Credit Union has a continuously growing membership of nearly 70,000. For more information, call (214) 748-9393 or visit our homepage.