Open a Standard CD
Earn up to 5.00 % 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 4.25 % 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 | 4.88% | 5.00% |
| 18 months | 4.40% | 4.50% |
| 30 months | 4.16% | 4.25% |
| 36 months | 4.15% | 4.07% |
| 48 months | 3.92% | 4.00% |
| 60 months | 3.68% | 3.75% |
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*APY = Annual Percentage Yield. Rates effective March 1, 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 | 4.40% / 4.50% |
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 | 4.12% / 4.25% | 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 3.68% / Up to 5.00 %
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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 3.68% / Up to 4.50 % | 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 |
4.25% 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.
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 61,000 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.