Credit union · NCUA insured
Northeast Community Credit Union CD Rates
Northeast Community Credit Union’s best CD rate is 4.05% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Northeast Community Credit Union’s CD rates compare
Compared with banks and credit unions near Johnson City, TN, where Northeast Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northeast Community Credit Union
4.05%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $2,196
60 Month Certificate Account
Top rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $500
2nd-highest rate
TEN Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
Northeast Community Credit Union CD score
84
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo4.05%
- QualifiedQualified4.05%
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 Northeast Community 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.
60 Month Certificate Account
4.05%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months | 4.05% | $2,196 |
48 Month Certificate Account
3.95%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 months | 3.95% | $1,676 |
36 Month Certificate Account
3.85%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.85% | $1,200 |
20 Month Bump-Up Certificate Account
3.75%APY · 1 term
Option to bump up to the then-current interest rate one time during the term. Deposits permitted in increments of $500. Reward add-ons do not apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 20 monthsOption of bumping up to current interest rate one time during term. Deposits permitted in increments of $500. Reward add-ons do not apply | 3.75% | $633 |
24 Month Certificate Account
Up to 3.75%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsStandard rate without rewards | 3.55% | $723 |
| 24 monthsWith Rewards | 3.75% | $764 |
18 Month Certificate Account
Up to 3.60%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsStandard rate without rewards | 3.40% | $514 |
| 18 monthsWith Rewards | 3.60% | $545 |
24 Simple Savings Certificate Account
3.55%APY · 1 term
One account per member. Regular deposits made through payroll deduction or direct deposit to reach at least $1,000 by end of the 2-year period. $50 bonus added at maturity. Reward add-ons do not apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsRegular deposits via payroll deduction/direct deposit to reach at least $1,000 by end of 2-year period. $50 bonus added at maturity. Reward add-ons do not apply | 3.55% | $723 |
12 Month Certificate Account
Up to 3.50%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsStandard rate without rewards | 3.30% | $330 |
| 12 monthsWith Rewards | 3.50% | $350 |
12 Month Add-On Certificate Account
3.30%APY · 1 term
Add to certificate in increments of $250 or more anytime during the term. Reward add-ons do not apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDeposits permitted in increments of $250 or more anytime during the term. Reward add-ons do not apply | 3.30% | $330 |
12 Month Nest Egg Certificate Account
3.30%APY · 1 term
Deposits in increments of $25 are permitted during the term of the account. Reward add-ons do not apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDeposits in increments of $25 are permitted during the term. Reward add-ons do not apply | 3.30% | $330 |
6 Month Certificate Account
Up to 3.20%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsStandard rate without rewards | 3.00% | $149 |
| 6 monthsWith Rewards | 3.20% | $159 |
Special-purpose accounts
IRA Accumulation Account
4.50%APY
Variable rate with quarterly dividends. Reward add-ons do not apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable Rate, Quarterly Dividends. Reward add-ons do not apply.Any balance | 4.50% | $450 | Variable Rate, Quarterly Dividends. Reward add-ons do not apply. |
24 Month IRA – Fixed Rate
3.30%APY · 1 term
Fixed rate IRA certificate. Reward add-ons do not apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsFixed Rate. Reward add-ons do not apply | 3.30% | $671 |
Who can join Northeast Community 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, work, worship, or attend school in Carter County, Washington County, Unicoi County, Johnson County, or Sullivan County are eligible for membership.
Family and household
- Immediate family and household members of a member—defined as parents, children, grandchildren, grandparents, siblings, step-parents, step-children, legal guardianship, adopted or fostered children, and persons living in the same residence as one household—are eligible for membership.
Cost to join
- Joining the credit union requires opening a personal primary share/savings account with a $5 minimum balance.
Membership information collected October 5, 2026.