Standard CD
Earn up to 4.10% annual percentage yield and reach your savings goals.
Already a member? Open Your CD Here
Flexible CD Terms
Standard Certificate Details
Earn up to 4.10% APY*
Choose a CD term that fits your savings goals and earn a fixed rate for the length of your certificate.
Up to 4.10%
APY*
91 Days–60 Months
Available terms
$2,500
Minimum opening deposit
Standard CD Rates
Compare available terms, interest rates and annual percentage yields.
| Term | Interest Rate | APY* |
|---|---|---|
| 91 days | 3.68% | 3.75% |
| 6 months | 3.92% | 4.00% |
| 12 months | 4.02% | 4.10% |
| 18 months | 4.02% | 4.10% |
| 30 months | 4.02% | 4.10% |
| 36 months | 4.07% | 4.15% |
| 48 months | 4.07% | 4.15% |
| 60 months | 4.16% | 4.25% |
•
Minimum opening deposit is $2,500.
•
Additional deposits are not allowed during the certificate term.
•
Interest is compounded daily.
•
An interest penalty is required for early withdrawal.
Choose a term that works for you
Standard CDs are available with terms from 91 days to 60 months, giving you options for both shorter- and longer-term savings goals.
Already a member? Open your Standard CD here.
*APY = Annual Percentage Yield. Rates effective September 23, 2026 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.
Why Invest with Neighborhood Credit Union
Better Rates than Banks
No Market Risk
Short Term Timeline
Guaranteed Returns
Want to compare CDs side by side?
Click the "Compare CDs" button to explore in-depth.
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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.
4.15% 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 96 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.
