Credit union · NCUA insured
Neighborhood Credit Union CD Rates
Top CarrotNeighborhood Credit Union’s best CD rate is 4.40% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Neighborhood Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Neighborhood Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Neighborhood Credit Union
4.40%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $553
15-Month CD Special
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
Neighborhood Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.40%
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 Neighborhood 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.
15-Month CD Special
4.40%APY · 1 term
Limited-time special. Must be opened with new funds (from an outside source) not currently on deposit with Neighborhood Credit Union nor withdrawn within the last 14 days of promotional start date. Not offered on IRAs. At maturity, converts and renews as a standard 12-Month CD. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsFixed rate for 15-month term. Requires $10,000 minimum opening deposit of new money. Interest compounded daily | 4.40% | $553 |
Sources (3)
- myncu.com/bank/certificates-of-deposit
- myncu.com/bank/savings/certificates/15-month-cd-special
- myncu.com/bank/rates-and-fees
All captured Oct 17, 2026
Standard Certificates
Up to 4.25%APY · 8 terms
Additional deposits are not allowed during the certificate term. Interest is compounded daily. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 days term. Interest compounded daily. Additional deposits not allowed | 3.75% | $92 |
| 6 months6 months term. Interest compounded daily. Additional deposits not allowed | 4.00% | $198 |
| 12 months12 months term. Interest compounded daily. Additional deposits not allowed | 4.10% | $410 |
| 18 months18 months term. Interest compounded daily. Additional deposits not allowed | 4.10% | $621 |
| 30 months30 months term. Interest compounded daily. Additional deposits not allowed | 4.10% | $1,057 |
| 36 months36 months term. Interest compounded daily. Additional deposits not allowed | 4.15% | $1,297 |
| 48 months48 months term. Interest compounded daily. Additional deposits not allowed | 4.15% | $1,766 |
| 60 months60 months term. Interest compounded daily. Additional deposits not allowed | 4.25% | $2,313 |
Online Savings CD
4.15%APY · 1 term
Online-only certificate; must be opened online and eligible only to those 18 years of age or older. Additional deposits allowed during the term ($25 minimum). Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 17 monthsFixed interest rate. Additional deposits of $25 minimum allowed during term. Early withdrawal penalty is 180 days' interest | 4.15% | $593 |
Inflate My Rate CD
4.10%APY · 1 term
Must be 18 years of age or older. Only one rate increase allowed during 25-month term to match the Standard 18-Month CD rate upon member request via secure communication. At end of term, converts and renews as a standard 18-Month CD. Not offered on trusts, business accounts, or IRAs. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 25 monthsInterest compounded daily. Early withdrawal penalty applies | 4.10% | $873 |
FlexPlus CD
4.00%APY · 1 term
Must be opened online and eligible only to those 18 years of age or older. Additional deposits allowed during the term ($25 minimum). Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed interest rate. Additional deposits allowed with $25 minimum | 4.00% | $400 |
Special-purpose accounts
IRA & Roth IRA Certificates
Up to 4.25%APY · 6 terms
IRA & Roth IRA CDs must be opened in a branch. Minimum opening deposit $2,500. Additional deposits of $25 or more are allowed, subject to annual IRS contribution limits. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 months term. Additional deposits allowed subject to yearly IRS maximum contribution limits ($25 minimum). Interest compounded daily | 4.10% | $410 |
| 18 months18 months term. Additional deposits allowed subject to yearly IRS maximum contribution limits ($25 minimum). Interest compounded daily | 4.10% | $621 |
| 30 months30 months term. Additional deposits allowed subject to yearly IRS maximum contribution limits ($25 minimum). Interest compounded daily | 4.10% | $1,057 |
| 36 months36 months term. Additional deposits allowed subject to yearly IRS maximum contribution limits ($25 minimum). Interest compounded daily | 4.15% | $1,297 |
| 48 months48 months term. Additional deposits allowed subject to yearly IRS maximum contribution limits ($25 minimum). Interest compounded daily | 4.15% | $1,766 |
| 60 months60 months term. Additional deposits allowed subject to yearly IRS maximum contribution limits ($25 minimum). Interest compounded daily | 4.25% | $2,313 |
Who can join Neighborhood Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals are eligible for membership if they live in the state of Texas.
Family and household
- Individuals qualify for membership simply by having a qualifying family member.
Cost to join
- Members are required to purchase and maintain a minimum membership share with a $25 deposit into a Prize Savings Account.
Membership information collected October 5, 2026.