6-Month CD
Why Invest with Neighborhood Credit Union
Better Rates than Banks
No Market Risk
Short-Term Timeline
Guaranteed Returns
6-Month Standard CD% APY* |
| A short-term certificate of deposit with a high APY.* Already a member? Open Your CD Here. |
| Fixed Interest Rate: 3.92% |
| Minimum Opening Deposit: $2,500 |
| Term: 6 Months |
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*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.
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.
Short-Term Timeline
Earn a higher rate on this 6-month CD and avoid tying up your money longer.
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 |
|---|---|---|---|---|
| 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 | 3.68% / 3.75% |
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 | 3.87% / 3.95% | Additional $25 minimum deposits allowed |
| Standard Certificate |
Terms from 91 days to 60 months, competitive rates, low risk
|
$2,500 |
Up to 3.20% / Up to 4.00 %
|
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 3.20% / Up to 3.75 % | Additional $25 minimum deposits allowed | |
| FlexPlus |
A flexible short-term CD for 12 months to grow your money fast
|
$500 | 3.92% / 4.00% | Additional $25 minimum deposits allowed |
Frequently Asked Questions
Interest on all certificates are credited at the end of each month.
At least 50% of the funds used to open the certificate cannot be taken from another Neighborhood CU account.
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, you can open your new CD online here, or 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.