Bank · FDIC insured
National Cooperative Bank CD Rates
National Cooperative Bank’s best CD rate is 4.13% APY on a 1-year CD. Terms run from 6 months to 1 year. Rates checked October 16, 2026.
How National Cooperative Bank’s CD rates compare
Compared with banks and credit unions in Ohio, where National Cooperative Bank has the most branches. $10,000, best rate first.
This bank’s best
National Cooperative Bank
4.13%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $413
12 Month Impact CD
Top rate
First Choice America Community Federal Credit Union
5.22%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $657
2nd-highest rate
Homeland Credit Union
5.15%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,338
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
12 Month Impact CD
4.13%APY · 1 term
Can only be opened online; cannot be opened at an NCB branch.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires a minimum daily balance of $2,500.00 to obtain the disclosed APY. Fixed rate until first maturity. Early withdrawal penalty equals 6 months of interest | 4.13% | $413 |
Sources (1)
- ncb.coop/truth-in-savings · captured Oct 6, 2026
6 Month Impact CD
3.98%APY · 1 term
Can only be opened online; cannot be opened at an NCB branch.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires a minimum daily balance of $500.00 to obtain the disclosed APY. Fixed rate until first maturity. Early withdrawal penalty equals 3 months of interest | 3.98% | $197 |
Sources (1)
- ncb.coop/truth-in-savings · captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.