Bank · FDIC insured
NDBT CD Rates
NDBT’s best CD rate is 4.10% APY on a 3-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How NDBT’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where NDBT has the most branches. $10,000, best rate first.
This bank’s best
NDBT
4.10%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,281
Certificate of Deposit (CD)
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
NDBT CD score
88
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where NDBT ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 4.10%APY · 7 terms
Early withdrawal penalties apply. Earnings can be added to CD or paid directly. FDIC insured.
| Term | APY · $1,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.70% | 3.70% | 3.70%3.70% from $100k | $183 |
| 9 months | 4.00% | 4.00% | 4.00%4.00% from $100k | $299 |
| 12 months | 3.75% | 3.75% | 3.75%3.75% from $100k | $375 |
| 18 months | 3.80% | 3.80% | 3.80%3.80% from $100k | $575 |
| 24 months | 3.85% | 3.85% | 3.85%3.85% from $100k | $785 |
| 36 months | 4.10% | 4.10% | 4.10%4.10% from $100k | $1,281 |
| 60 months | 4.10% | 4.10% | 4.10%4.10% from $100k | $2,225 |
Sources (2)
All captured Sep 17, 2026
15 Month FlexRate CD
3.45%APY · 1 term
Account holder may elect to increase the interest rate once during the term of the 15-month FlexRate CD. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsMay elect to increase the interest rate once during the term | 3.45% | $433 |
Sources (2)
All captured Sep 17, 2026
59 Month FlexRate CD
3.30%APY · 1 term
Account holder may elect to increase the interest rate twice during the term of the 59-month FlexRate CD. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 59 monthsMay elect to increase the interest rate twice during the term | 3.30% | $1,731 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
Up to 4.10%APY · 7 terms
Traditional and Roth IRAs available. Early withdrawal penalties apply.
| Term | APY · $1,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.70% | 3.70% | 3.70%3.70% from $100k | $183 |
| 9 months | 4.00% | 4.00% | 4.00%4.00% from $100k | $299 |
| 12 months | 3.75% | 3.75% | 3.75%3.75% from $100k | $375 |
| 18 months | 3.80% | 3.80% | 3.80%3.80% from $100k | $575 |
| 24 months | 3.85% | 3.85% | 3.85%3.85% from $100k | $785 |
| 36 months | 4.10% | 4.10% | 4.10%4.10% from $100k | $1,281 |
| 60 months | 4.10% | 4.10% | 4.10%4.10% from $100k | $2,225 |
Sources (2)
All captured Sep 17, 2026
15 Month FlexRate IRA
3.45%APY · 1 term
Account holder may elect to increase the interest rate once during the term of the 15-month FlexRate IRA. Early withdrawal penalty may apply. Traditional and Roth IRAs available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsMay elect to increase the interest rate once during the term | 3.45% | $433 |
Sources (1)
- ndbt.com/downloads/CD-Rates-July2-26.pdf · captured Sep 17, 2026
13 Month Senior Select CD
3.40%APY · 1 term
Age requirements apply. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsAge requirements apply | 3.40% | $369 |
Sources (1)
- ndbt.com/downloads/CD-Rates-July2-26.pdf · captured Sep 17, 2026
13 Month Senior Select IRA
3.40%APY · 1 term
Age requirements apply. Early withdrawal penalty may apply. Traditional and Roth IRAs available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsAge requirements apply | 3.40% | $369 |
Sources (1)
- ndbt.com/downloads/CD-Rates-July2-26.pdf · captured Sep 17, 2026
59 Month FlexRate IRA
3.30%APY · 1 term
Account holder may elect to increase the interest rate twice during the term of the 59-month FlexRate IRA. Early withdrawal penalty may apply. Traditional and Roth IRAs available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 59 monthsMay elect to increase the interest rate twice during the term | 3.30% | $1,731 |
Sources (1)
- ndbt.com/downloads/CD-Rates-July2-26.pdf · captured Sep 17, 2026
60 Month FlexRate IRA
3.30%APY · 1 term
May be opened with a balance of $250 provided a $50 minimum monthly transfer from a North Dallas Bank checking, money market or savings account is established; otherwise $1,000 minimum opening balance. Enables account holder to make the most of possible rate increases. Early withdrawal penalty may apply. Traditional and Roth IRAs available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months$250 opening minimum provided a $50 minimum monthly transfer from a North Dallas Bank checking, money market or savings account is established; otherwise $1,000 minimum opening balance | 3.30% | $1,763 |
Sources (2)
All captured Sep 17, 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.