Credit union · NCUA insured
Neighborhood Trust FCU CD Rates
Top CarrotNeighborhood Trust FCU’s best CD rate is 3.98% APY on a 2-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Neighborhood Trust FCU’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Neighborhood Trust FCU has the most branches. $10,000, best rate first.
This credit union’s best
Neighborhood Trust FCU
3.98%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $811
Share Certificates
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Neighborhood Trust FCU CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.05%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.98%
- 31–60 months31–60 mo3.77%
- QualifiedQualified3.98%
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 Trust FCU 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.
Share Certificates
Up to 3.98%APY · 5 terms
Maximum Share Certificate Amount is $100,000. Early withdrawal penalty applies: 30 days interest + $20 fee for 6 to 18 months, 90 days interest + $20 fee for 24 to 36 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.05% | $151 |
| 12 months | 3.56% | $356 |
| 18 months | 3.87% | $587 |
| 24 months | 3.98% | $811 |
| 36 months | 3.77% | $1,174 |
Sources (1)
- neighborhoodtrustfcu.org/certificates · captured Sep 17, 2026
Who can join Neighborhood Trust FCU
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