Bank · FDIC insured
The Neffs National Bank CD Rates
The Neffs National Bank’s best CD rate is 4.00% APY on a 15-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How The Neffs National Bank’s CD rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where The Neffs National Bank has the most branches. $10,000, best rate first.
This bank’s best
The Neffs National Bank
4.00%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $502
Certificates of Deposit
Top rate
First Northern Bank and Trust
4.73%APY
- Term
- 24 months
- Minimum
- $5,000
- Earns on $10,000
- $968
2nd-highest rate
Unity Bank
4.40%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $667
The Neffs National Bank CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- 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 The Neffs National Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.00%APY · 11 terms
Fixed interest rate for the term of the account. Automatically renewable. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 3.55% | $176 |
| 7 monthsPenalty for early withdrawal | 3.75% | $217 |
| 12 monthsPenalty for early withdrawal | 3.25% | $325 |
| 15 monthsPenalty for early withdrawal | 4.00% | $502 |
| 18 monthsPenalty for early withdrawal | 3.00% | $453 |
| 21 monthsPenalty for early withdrawal | 1.25% | $220 |
| 24 monthsPenalty for early withdrawal | 3.00% | $609 |
| 30 monthsPenalty for early withdrawal | 3.00% | $767 |
| 36 monthsPenalty for early withdrawal | 3.00% | $927 |
| 48 monthsPenalty for early withdrawal | 3.00% | $1,255 |
| 60 monthsPenalty for early withdrawal | 2.60% | $1,369 |
Sources (3)
- neffsnatl.com/depositrates
- neffsnatl.com/certificates-of-deposit-ira
- neffsnatl.com/certificates-of-deposits
All captured Sep 26, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificates of Deposit
Up to 4.00%APY · 7 terms
Offers Traditional and Roth IRAs held in Certificates of Deposit. No fee to open an IRA account. For 60 month IRAs opened August 1, 2010, and thereafter, an interest rate step-up is available once during each term. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsAvailable for Traditional and Roth IRAs. Penalty for early withdrawal | 4.00% | $502 |
| 18 monthsAvailable for Traditional and Roth IRAs. Penalty for early withdrawal | 3.00% | $453 |
| 24 monthsAvailable for Traditional and Roth IRAs. Penalty for early withdrawal | 3.00% | $609 |
| 30 monthsAvailable for Traditional and Roth IRAs. Penalty for early withdrawal | 3.00% | $767 |
| 36 monthsAvailable for Traditional and Roth IRAs. Penalty for early withdrawal | 3.00% | $927 |
| 48 monthsAvailable for Traditional and Roth IRAs. Penalty for early withdrawal | 3.00% | $1,255 |
| 60 monthsAvailable for Traditional and Roth IRAs. For 60 month IRAs opened August 1, 2010, and thereafter, an interest rate step-up is available once during each term. Penalty for early withdrawal | 2.60% | $1,369 |
Sources (2)
All captured Sep 26, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.