Standard CD
Earn up to 4.00% annual percentage yield and reach your savings goals.
Already a member? Open Your CD Here
Why Invest with Neighborhood Credit Union
Better Rates than Banks
No Market Risk
Short Term Timeline
Guaranteed Returns
Standard CertificateEarn up to 4.00% APY* |
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Minimum Opening Deposit: $2,500
Additional deposits not allowed.
Already a member? Open Your CD Here
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| Term | Interest | APY* |
| 91 days | 3.44% | 3.50% |
| 6 months | 3.92% | 4.00% |
| 12 months | 3.83% | 3.90% |
| 18 months | 3.68% | 3.75% |
| 30 months | 3.44% | 3.50% |
| 36 months | 3.20% | 3.25% |
| 48 months | 3.20% | 3.25% |
| 60 months | 3.20% | 3.25% |
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*APY = Annual Percentage Yield. Rates effective December 24, 2024 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.
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.
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.
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.
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$2,500 | 3.68% / 3.75% |
No additional deposits allowed
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| Online Savings CD |
Must be opened online, must be 18 years of age or older, short-term of 17 months
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$1,500 | 3.87% / 3.95% | Additional $25 minimum deposits allowed |
| Standard Certificate |
Terms from 91 days to 60 months, competitive rates, low risk
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$2,500 |
Up to 3.20% / Up to 4.00 %
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No additional deposits allowed |
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Save for retirement with a competitive rate, yearly IRS contribution limits, terms from 12 months to 60 months.
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$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
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$500 | 3.92% / 4.00% | Additional $25 minimum deposits allowed |
3.95% APY* 17-Month CD
An online-only CD offer that allows additional deposits.
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.
Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 90 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.
