Credit union · NCUA insured
New Horizons Credit Union CD Rates
New Horizons Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How New Horizons Credit Union’s CD rates compare
Compared with banks and credit unions near Mobile, AL, where New Horizons Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
New Horizons Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $198
Certificate Account
Top rate
United Bank
4.35%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $660
2nd-highest rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
New Horizons Credit Union CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.00%
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 New Horizons 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.
Certificate Account
Up to 4.00%APY · 5 terms
Dividends compounded and credited monthly. Early withdrawal penalties apply (3 months dividend on 2026 schedule). Horizons Heroes members (active first responders, military, physicians, nurses, educators) may receive a 0.25% APY increase. NCUA insured. Membership required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 3 months dividend. Dividends compounded and credited monthly | 0.10% | $2 |
| 6 monthsEarly withdrawal penalty: 3 months dividend. Dividends compounded and credited monthly | 4.00% | $198 |
| 12 monthsEarly withdrawal penalty: 3 months dividend. Dividends compounded and credited monthly | 3.80% | $380 |
| 24 monthsEarly withdrawal penalty: 3 months dividend. Dividends compounded and credited monthly | 2.75% | $558 |
| 36 monthsEarly withdrawal penalty: 3 months dividend. Dividends compounded and credited monthly | 2.50% | $769 |
Sources (4)
- newhcu.org/accounts/deposit-account-rates
- newhcu.org/accounts/investments
- newhcu.org/loans/featured-rates
- newhcu.org/accounts/savings-rates
All captured Oct 5, 2026
Jumbo Certificate Account
Up to 3.80%APY · 4 terms
For deposits of $50,000 or more. Early withdrawal penalties apply (3 months dividend on 2026 schedule). Rates subject to change daily. Dividends compounded and credited monthly. NCUA insured. Membership required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalties apply. Jumbo rates subject to change daily | 0.40% | — |
| 12 monthsEarly withdrawal penalty: 3 months dividend. Jumbo rates subject to change | 3.80% | — |
| 24 monthsEarly withdrawal penalty: 3 months dividend. Jumbo rates subject to change | 2.75% | — |
| 36 monthsEarly withdrawal penalty: 3 months dividend. Jumbo rates subject to change | 2.50% | — |
Sources (3)
- newhcu.org/accounts/deposit-account-rates
- newhcu.org/accounts/investments
- newhcu.org/accounts/savings-rates
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate Account
Up to 3.80%APY · 3 terms
Available as Traditional, Roth, and Coverdell Education IRAs. Early withdrawal penalties apply (3 months dividend on 2026 schedule). Rates subject to change weekly. NCUA insured up to $250,000 per member. Membership required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty: 3 months dividend. Rates subject to change | 3.80% | $380 |
| 24 monthsEarly withdrawal penalty: 3 months dividend. Rates subject to change | 2.75% | $558 |
| 36 monthsEarly withdrawal penalty: 3 months dividend. Rates subject to change | 2.50% | $769 |
Sources (3)
- newhcu.org/accounts/deposit-account-rates
- newhcu.org/accounts/investments
- newhcu.org/accounts/savings-rates
All captured Oct 5, 2026
Who can join New Horizons Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Mobile, Baldwin, Washington, Clarke, Monroe, or Escambia counties in Alabama, or Escambia, Santa Rosa, or Okaloosa counties in Florida are eligible for membership.
Employers and groups
- Employees of a member company are eligible for membership.
Family and household
- Persons related to a current member are eligible for membership.
Cost to join
- A $5 minimum deposit to open and maintain a primary savings (Share) account is required for membership.
Membership information collected October 4, 2026.