Credit union · NCUA insured
Neches Federal Credit Union CD Rates
Top CarrotNeches Federal Credit Union’s best CD rate is 4.65% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Neches Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Beaumont, TX, where Neches Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Neches Federal Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $425
Certificates
Top rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
2nd-highest rate
Rave Financial
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
Neches Federal Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.09%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.60%
- QualifiedQualified4.25%
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 Neches Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.25%APY · 9 terms
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months$1,000 minimum balance | 3.00% | — | 3.00% | $74 |
| 3 months100,000 minimum balance | — | 3.00% | —3.00% from $100k | — |
| 6 months$1,000 minimum balance | 4.09% | — | 4.09% | $202 |
| 6 months100,000 minimum balance | — | 4.30% | —4.30% from $100k | — |
| 12 months$1,000 minimum balance | 4.25% | — | 4.25% | $425 |
| 12 months100,000 minimum balance | — | 4.65% | —4.65% from $100k | — |
| 18 months$1,000 minimum balance | 3.65% | — | 3.65% | $552 |
| 18 months100,000 minimum balance | — | 3.85% | —3.85% from $100k | — |
| 24 months$1,000 minimum balance | 3.50% | — | 3.50% | $712 |
| 24 months100,000 minimum balance | — | 3.75% | —3.75% from $100k | — |
| 30 months$1,000 minimum balance | 3.50% | — | 3.50% | $898 |
| 30 months100,000 minimum balance | — | 3.80% | —3.80% from $100k | — |
| 36 months$1,000 minimum balance | 3.50% | — | 3.50% | $1,087 |
| 36 months100,000 minimum balance | — | 3.80% | —3.80% from $100k | — |
| 48 months$1,000 minimum balance | 3.60% | — | 3.60% | $1,520 |
| 48 months100,000 minimum balance | — | 3.80% | —3.80% from $100k | — |
| 60 months$1,000 minimum balance | 3.60% | — | 3.60% | $1,934 |
| 60 months100,000 minimum balance | — | 3.80% | —3.80% from $100k | — |
Sources (1)
- nechesfcu.org/rates · captured Sep 17, 2026
Who can join Neches Federal Credit Union
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