Credit union · NCUA insured
Neighbors Credit Union CD Rates
Neighbors Credit Union’s best CD rate is 4.15% APY on a 7-month share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 17, 2026.
How Neighbors Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Neighbors Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Neighbors Credit Union
4.15%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $240
Certificates of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Neighbors Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.15%
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 Neighbors 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 of Deposit
Up to 4.15%APY · 12 terms
Early withdrawal on deposit accounts could reduce earnings. Requires membership with a Regular Savings Account maintained with a minimum $1 balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 7 monthsSpecial CD; available for new deposits only (funds currently on deposit at Neighbors Credit Union do not qualify). Early withdrawals may reduce earnings and are subject to a penalty fee | 4.15% | $240 |
| 9 monthsSpecial CD; available for new deposits only (funds currently on deposit at Neighbors Credit Union do not qualify). Early withdrawals may reduce earnings and are subject to a penalty fee | 4.15% | $310 |
| 12 months | 3.60% | $360 |
| 13 monthsSpecial CD; available for new deposits only (funds currently on deposit at Neighbors Credit Union do not qualify). Early withdrawals may reduce earnings and are subject to a penalty fee | 4.15% | $450 |
| 15 monthsSpecial CD; available for new deposits only (funds currently on deposit at Neighbors Credit Union do not qualify). Early withdrawals may reduce earnings and are subject to a penalty fee | 4.15% | $521 |
| 18 months | 3.00% | $453 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
| 84 months | 2.75% | $2,091 |
Sources (3)
All captured Oct 5, 2026
Bump Rate CD
1.05%APY · 2 terms
No monthly pay option available and a 365 day penalty for early withdraw. Bump rate option 1 time for 48 Month and 2 times for 60 Month over original term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsNo monthly pay option available and a 365 day penalty for early withdraw. Bump rate option 1 time over original term | 1.05% | $427 |
| 60 monthsNo monthly pay option available and a 365 day penalty for early withdraw. Bump rate option 2 times over original term | 1.05% | $536 |
Sources (1)
- neighborscu.org/rates · captured Oct 5, 2026
Investment Builder CD
0.30%APY · 1 term
Allows unlimited deposits ($10 minimum). Minimum investment of $100.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsUnlimited deposits with a $10 minimum | 0.30% | $30 |
Special-purpose accounts
IRA CD
Up to 3.60%APY · 6 terms
Available terms from 12 to 84 months for IRA CDs. Early withdrawal on deposit accounts could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.60% | $360 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
| 84 months | 2.75% | $2,091 |
Sources (3)
All captured Oct 5, 2026
Who can join Neighbors 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 who live or work in St. Louis City, St. Louis County, St. Charles County, or Jefferson County (MO), or Madison County, Monroe County, or St. Clair County (IL) are eligible for membership.
Family and household
- Family members of existing members are eligible for membership.
Membership information collected October 4, 2026.