Neighborhood Credit Union (Texas) CD & Share Certificate Rates — October 2026
As of October 22, 2026, Neighborhood Credit Union (Texas)'s highest tracked CD (share certificate) rate is 4.40% APY on a 15-month promotional CD ($10,000 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.75% to 4.25% APY.
Tracking began .
Neighborhood Credit Union (Texas) CD & share certificate rates
Membership required. Standard CDs ($2,500), a 12-month FlexPlus CD ($500, additional deposits allowed), a 17-month Online Savings CD ($1,500), a 25-month Inflate My Rate CD and a 15-month special ($10,000). Early withdrawal penalties apply.
| Term | Product | APY |
|---|---|---|
| 91 days | Standard CD | 3.75%Top 19% · $10k reference sampleVerified October 22, 2026 |
| 6 months | Standard CD | 4.00%Top 23% · $10k reference sampleVerified October 22, 2026 |
| 12 months | Standard CD | 4.10%Top 23% · $10k reference sampleVerified October 22, 2026 |
| 12 months | FlexPlus CD Special | 4.00%Top 33% · $10k reference sampleVerified October 22, 2026 |
| 15 months | 15 Month CD Promotional | 4.40%Verified October 22, 2026 |
| 17 months | Online Savings CD Special | 4.15%Verified October 22, 2026 |
| 18 months | Standard CD | 4.10%Top 24% · $10k reference sampleVerified October 22, 2026 |
| 25 months | Inflate My Rate CD Special | 4.10%Verified October 22, 2026 |
| 30 months | Standard CD | 4.10%Verified October 22, 2026 |
| 36 months | Standard CD | 4.15%Top 14% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Standard CD | 4.15%Top 15% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Standard CD | 4.25%Top 16% · $10k reference sampleVerified October 22, 2026 |
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.
Watch the renewal rate
The best promotional rate here is 4.40% APY (15 months). The standard rate for a similar term is 4.10% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $30 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Neighborhood Credit Union (Texas)'s best CD rates by term?
Neighborhood Credit Union (Texas)'s best rate is 4.40% APY on 15 months, verified October 22, 2026.
- 91 days3.75%
- 6 mo4.00%
- 12 mo4.10%
- 15 mo4.40%
- 17 mo4.15%
- 18 mo4.10%
- 25 mo4.10%
- 30 mo4.10%
- 36 mo4.15%
- 48 mo4.15%
- 60 mo4.25%
How much interest could a Neighborhood Credit Union (Texas) 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.
$552.68 interest · $10,552.68 at maturity on $10,000.00.
4.40% APY · 15 months · 15 Month CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 91 days | $46.103.75% APY · Standard CD · Standard | $92.213.75% APY · Standard CD · Standard | $230.513.75% APY · Standard CD · Standard | $461.033.75% APY · Standard CD · Standard |
| 6 months | $99.294.00% APY · Standard CD · Standard | $198.594.00% APY · Standard CD · Standard | $496.474.00% APY · Standard CD · Standard | $992.934.00% APY · Standard CD · Standard |
| 12 months | $205.004.10% APY · Standard CD · Standard | $410.004.10% APY · Standard CD · Standard | $1,025.004.10% APY · Standard CD · Standard | $2,050.004.10% APY · Standard CD · Standard |
| 15 months | Not estimated | $552.684.40% APY · 15 Month CD · Promotional | $1,381.704.40% APY · 15 Month CD · Promotional | $2,763.414.40% APY · 15 Month CD · Promotional |
| 17 months | $296.434.15% APY · Online Savings CD · Special | $592.864.15% APY · Online Savings CD · Special | $1,482.154.15% APY · Online Savings CD · Special | $2,964.304.15% APY · Online Savings CD · Special |
| 18 months | $310.924.10% APY · Standard CD · Standard | $621.854.10% APY · Standard CD · Standard | $1,554.614.10% APY · Standard CD · Standard | $3,109.234.10% APY · Standard CD · Standard |
| 25 months | $436.334.10% APY · Inflate My Rate CD · Special | $872.664.10% APY · Inflate My Rate CD · Special | $2,181.654.10% APY · Inflate My Rate CD · Special | $4,363.294.10% APY · Inflate My Rate CD · Special |
| 30 months | $528.674.10% APY · Standard CD · Standard | $1,057.344.10% APY · Standard CD · Standard | $2,643.354.10% APY · Standard CD · Standard | $5,286.714.10% APY · Standard CD · Standard |
| 36 months | $648.694.15% APY · Standard CD · Standard | $1,297.384.15% APY · Standard CD · Standard | $3,243.464.15% APY · Standard CD · Standard | $6,486.914.15% APY · Standard CD · Standard |
| 48 months | $883.114.15% APY · Standard CD · Standard | $1,766.224.15% APY · Standard CD · Standard | $4,415.564.15% APY · Standard CD · Standard | $8,831.124.15% APY · Standard CD · Standard |
| 60 months | $1,156.734.25% APY · Standard CD · Standard | $2,313.474.25% APY · Standard CD · Standard | $5,783.674.25% APY · Standard CD · Standard | $11,567.334.25% APY · Standard CD · Standard |
How Neighborhood Credit Union (Texas) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 6 of 51 tracked institutions with fresh 456-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Neighborhood Credit Union (Texas) (this institution)15 Month CD · Promotional | 15 months | $10,000 | Coverage: TX | 4.40% | October 22, 2026 |
| Alliance Credit Union (Texas)Certificate · Standard | 15 months | $1,000 | Coverage: TX | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 15 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 15 months | Not stated | Nationwide; check eligibility | 4.30% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Coverage: WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.65% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Neighborhood Credit Union (Texas) on October 22, 2026.
About Neighborhood Credit Union (Texas)
- Legal name
- Neighborhood Credit Union
- Regulator ID
- NCUA 67681
- Headquarters
- Dallas, TX
- Available in
- TX
- Total assets
- $1.1 billion
- Also known as
- Website
- www.myncu.com
Source: rates read from https://www.myncu.com/bank/rates-and-fees. See the page text we read.
Frequently asked questions
What is the highest CD rate at Neighborhood Credit Union (Texas)?
Among the rates we track, 4.40% APY on a 15-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Neighborhood Credit Union (Texas) CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $10,000.
How does Neighborhood Credit Union (Texas)'s best CD rate compare with Treasury yields?
4.40% APY is −0.25% versus the 15-month Treasury yield of 4.65% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.40% a good CD rate?
It is 2.5 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 Neighborhood Credit Union (Texas) CDs insured?
Neighborhood Credit Union (Texas) is a federally insured credit union (NCUA 67681). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Neighborhood Credit Union (Texas)?
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 Neighborhood Credit Union (Texas)'s rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Neighborhood Credit Union (Texas)'s website and may change at any time. Confirm terms, minimums and eligibility with Neighborhood Credit Union (Texas) before opening an account. This page is not financial advice.