# Neches Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/neches-federal-credit-union
Institution: Neches Federal Credit Union (NCUA 7916)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:42.000Z (October 22, 2026)
Official source: https://www.nechesfcu.org/rates/
Coverage: Membership required. Certificates from 3 to 60 months with $1,000 and $100,000 minimum balance tiers. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate Rates ($1,000 minimum balance) | standard | 3 months | $1,000 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($100,000 minimum balance) | standard | 3 months | $100,000 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($100,000 minimum balance) | standard | 6 months | $100,000 | 4.30% | Not ZIP-priced | −0.10% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($1,000 minimum balance) | standard | 6 months | $1,000 | 4.09% | Not ZIP-priced | −0.31% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($100,000 minimum balance) | standard | 12 months | $100,000 | 4.65% | Not ZIP-priced | +0.08% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($1,000 minimum balance) | standard | 12 months | $1,000 | 4.25% | Not ZIP-priced | −0.32% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($100,000 minimum balance) | standard | 18 months | $100,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($1,000 minimum balance) | standard | 18 months | $1,000 | 3.65% | Not ZIP-priced | −1.07% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($100,000 minimum balance) | standard | 24 months | $100,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($1,000 minimum balance) | standard | 24 months | $1,000 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($100,000 minimum balance) | standard | 30 months | $100,000 | 3.80% | Not ZIP-priced | −1.11% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($1,000 minimum balance) | standard | 30 months | $1,000 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($100,000 minimum balance) | standard | 36 months | $100,000 | 3.80% | Not ZIP-priced | −1.15% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($1,000 minimum balance) | standard | 36 months | $1,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($100,000 minimum balance) | standard | 48 months | $100,000 | 3.80% | Not ZIP-priced | −1.18% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($1,000 minimum balance) | standard | 48 months | $1,000 | 3.60% | Not ZIP-priced | −1.38% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($100,000 minimum balance) | standard | 60 months | $100,000 | 3.80% | Not ZIP-priced | −1.21% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |
| Certificate Rates ($1,000 minimum balance) | standard | 60 months | $1,000 | 3.60% | Not ZIP-priced | −1.41% | 2026-10-22T16:23:42.000Z | [Snapshot 383](https://apyledger.com/snapshots/383) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.