Neches Federal Credit Union CD & Share Certificate Rates — October 2026

As of October 22, 2026, Neches Federal Credit Union's highest tracked CD (share certificate) rate is 4.65% APY on a 12-month CD ($100,000 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.00% to 4.65% APY.

Last verified October 22, 2026 from www.nechesfcu.org · NCUA-insured credit union · Port Neches, TX

Tracking began October 22, 2026.

Best APY4.65%12 months, $100,000 min

vs. Treasury+0.08%same-term Treasury 4.57%

vs. national average2.6×FDIC national average 1.76%

After inflation0.91%CPI 3.7% year over year

$10,000 earns$465over 12 months, before tax

Neches Federal Credit Union CD & share certificate rates

Membership required. Certificates from 3 to 60 months with $1,000 and $100,000 minimum balance tiers. Early withdrawal penalties may apply.

Neches Federal Credit Union CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	Certificate Rates ($1,000 minimum balance)	$1,000	3.00%Top 49% · $10k reference sampleVerified October 22, 2026	−1.29%
3 months	Certificate Rates ($100,000 minimum balance)	$100,000	3.00%Top 49% · $10k reference sampleVerified October 22, 2026	−1.29%
6 months	Certificate Rates ($100,000 minimum balance)	$100,000	4.30%Top 7% · $10k reference sampleVerified October 22, 2026	−0.10%
6 months	Certificate Rates ($1,000 minimum balance)	$1,000	4.09%Top 14% · $10k reference sampleVerified October 22, 2026	−0.31%
12 months	Certificate Rates ($100,000 minimum balance)	$100,000	4.65%Top 2% · $10k reference sampleVerified October 22, 2026	+0.08%
12 months	Certificate Rates ($1,000 minimum balance)	$1,000	4.25%Top 15% · $10k reference sampleVerified October 22, 2026	−0.32%
18 months	Certificate Rates ($100,000 minimum balance)	$100,000	3.85%Top 41% · $10k reference sampleVerified October 22, 2026	−0.87%
18 months	Certificate Rates ($1,000 minimum balance)	$1,000	3.65%Top 53% · $10k reference sampleVerified October 22, 2026	−1.07%
24 months	Certificate Rates ($100,000 minimum balance)	$100,000	3.75%Top 40% · $10k reference sampleVerified October 22, 2026	−1.12%
24 months	Certificate Rates ($1,000 minimum balance)	$1,000	3.50%Top 56% · $10k reference sampleVerified October 22, 2026	−1.37%
30 months	Certificate Rates ($100,000 minimum balance)	$100,000	3.80%Verified October 22, 2026	−1.11%
30 months	Certificate Rates ($1,000 minimum balance)	$1,000	3.50%Verified October 22, 2026	−1.41%
36 months	Certificate Rates ($100,000 minimum balance)	$100,000	3.80%Top 29% · $10k reference sampleVerified October 22, 2026	−1.15%
36 months	Certificate Rates ($1,000 minimum balance)	$1,000	3.50%Top 44% · $10k reference sampleVerified October 22, 2026	−1.45%
48 months	Certificate Rates ($100,000 minimum balance)	$100,000	3.80%Top 24% · $10k reference sampleVerified October 22, 2026	−1.18%
48 months	Certificate Rates ($1,000 minimum balance)	$1,000	3.60%Top 33% · $10k reference sampleVerified October 22, 2026	−1.38%
60 months	Certificate Rates ($100,000 minimum balance)	$100,000	3.80%Top 26% · $10k reference sampleVerified October 22, 2026	−1.21%
60 months	Certificate Rates ($1,000 minimum balance)	$1,000	3.60%Top 35% · $10k reference sampleVerified October 22, 2026	−1.41%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are Neches Federal Credit Union's best CD rates by term?

Neches Federal Credit Union's best rate is 4.65% APY on 12 months, verified October 22, 2026.

3 mo3.00%
6 mo4.30%
12 mo4.65%
18 mo3.85%
24 mo3.75%
30 mo3.80%
36 mo3.80%
48 mo3.80%
60 mo3.80%

Calculate earnings at 4.65% for 12 months

How much interest could a Neches Federal Credit Union CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

$425.00 interest · $10,425.00 at maturity on $10,000.00.

4.25% APY · 12 months · Certificate Rates ($1,000 minimum balance) · Standard · verified October 22, 2026.

Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.

Add a CD maturity reminder

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
3 months	$36.983.00% APY · Certificate Rates ($1,000 minimum balance) · Standard	$73.973.00% APY · Certificate Rates ($1,000 minimum balance) · Standard	$184.923.00% APY · Certificate Rates ($1,000 minimum balance) · Standard	$369.833.00% APY · Certificate Rates ($1,000 minimum balance) · Standard
6 months	$101.514.09% APY · Certificate Rates ($1,000 minimum balance) · Standard	$203.014.09% APY · Certificate Rates ($1,000 minimum balance) · Standard	$507.534.09% APY · Certificate Rates ($1,000 minimum balance) · Standard	$1,015.054.09% APY · Certificate Rates ($1,000 minimum balance) · Standard
12 months	$212.504.25% APY · Certificate Rates ($1,000 minimum balance) · Standard	$425.004.25% APY · Certificate Rates ($1,000 minimum balance) · Standard	$1,062.504.25% APY · Certificate Rates ($1,000 minimum balance) · Standard	$2,125.004.25% APY · Certificate Rates ($1,000 minimum balance) · Standard
18 months	$276.493.65% APY · Certificate Rates ($1,000 minimum balance) · Standard	$552.983.65% APY · Certificate Rates ($1,000 minimum balance) · Standard	$1,382.463.65% APY · Certificate Rates ($1,000 minimum balance) · Standard	$2,764.923.65% APY · Certificate Rates ($1,000 minimum balance) · Standard
24 months	$356.123.50% APY · Certificate Rates ($1,000 minimum balance) · Standard	$712.253.50% APY · Certificate Rates ($1,000 minimum balance) · Standard	$1,780.623.50% APY · Certificate Rates ($1,000 minimum balance) · Standard	$3,561.253.50% APY · Certificate Rates ($1,000 minimum balance) · Standard
30 months	$449.313.50% APY · Certificate Rates ($1,000 minimum balance) · Standard	$898.623.50% APY · Certificate Rates ($1,000 minimum balance) · Standard	$2,246.543.50% APY · Certificate Rates ($1,000 minimum balance) · Standard	$4,493.083.50% APY · Certificate Rates ($1,000 minimum balance) · Standard
36 months	$543.593.50% APY · Certificate Rates ($1,000 minimum balance) · Standard	$1,087.183.50% APY · Certificate Rates ($1,000 minimum balance) · Standard	$2,717.953.50% APY · Certificate Rates ($1,000 minimum balance) · Standard	$5,435.893.50% APY · Certificate Rates ($1,000 minimum balance) · Standard
48 months	$759.823.60% APY · Certificate Rates ($1,000 minimum balance) · Standard	$1,519.643.60% APY · Certificate Rates ($1,000 minimum balance) · Standard	$3,799.113.60% APY · Certificate Rates ($1,000 minimum balance) · Standard	$7,598.223.60% APY · Certificate Rates ($1,000 minimum balance) · Standard
60 months	$967.183.60% APY · Certificate Rates ($1,000 minimum balance) · Standard	$1,934.353.60% APY · Certificate Rates ($1,000 minimum balance) · Standard	$4,835.883.60% APY · Certificate Rates ($1,000 minimum balance) · Standard	$9,671.753.60% APY · Certificate Rates ($1,000 minimum balance) · Standard

How Neches Federal Credit Union compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 5 of 233 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Neches Federal Credit Union CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
Neches Federal Credit Union (this institution)Certificate Rates ($100,000 minimum balance) · Standard	12 months	$100,000	Coverage: TX	4.65%	October 22, 2026
T Bank (Dallas)CD · Standard	12 months	$1,000	Coverage: TX	4.70%	October 22, 2026
Popular DirectCertificate of Deposit · Standard	12 months	$10,000	Nationwide; check eligibility	4.60%	October 22, 2026
E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional	12 months	Not stated	Nationwide; check eligibility	4.55%	October 22, 2026
Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional	12 months	$5,000	Coverage: NC, SC, VA	5.00%	October 22, 2026
Treasury (APY-equivalent)	12 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.57%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Neches Federal Credit Union on October 22, 2026.

About Neches Federal Credit Union

Legal name: Neches Federal Credit Union
Regulator ID: NCUA 7916
Headquarters: Port Neches, TX
Available in: TX
Total assets: $1.2 billion
Also known as
Website: www.nechesfcu.org

Source: rates read from https://www.nechesfcu.org/rates/. See the page text we read.

Frequently asked questions

What is the highest CD rate at Neches Federal Credit Union?

Among the rates we track, 4.65% APY on a 12-month CD, as of October 22, 2026.

What is the minimum deposit for a Neches Federal Credit Union CD?

The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.

How does Neches Federal Credit Union's best CD rate compare with Treasury yields?

4.65% APY is +0.08% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.65% a good CD rate?

It is 2.6 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Neches Federal Credit Union CDs insured?

Neches Federal Credit Union is a federally insured credit union (NCUA 7916). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at Neches Federal Credit Union?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check Neches Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from Neches Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Neches Federal Credit Union before opening an account. This page is not financial advice.