# Neighborhood Credit Union (Texas) CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/neighborhood-credit-union-texas
Institution: Neighborhood Credit Union (NCUA 67681)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:44.000Z (October 22, 2026)
Official source: https://www.myncu.com/bank/rates-and-fees
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Standard CD | standard | 91 days | $2,500 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |
| Standard CD | standard | 6 months | $2,500 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |
| Standard CD | standard | 12 months | $2,500 | 4.10% | Not ZIP-priced | −0.47% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |
| FlexPlus CD | special | 12 months | $500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |
| 15 Month CD | promotional | 15 months | $10,000 | 4.40% | Not ZIP-priced | −0.25% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |
| Online Savings CD | special | 17 months | $1,500 | 4.15% | Not ZIP-priced | −0.54% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |
| Standard CD | standard | 18 months | $2,500 | 4.10% | Not ZIP-priced | −0.62% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |
| Inflate My Rate CD | special | 25 months | $2,500 | 4.10% | Not ZIP-priced | −0.77% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |
| Standard CD | standard | 30 months | $2,500 | 4.10% | Not ZIP-priced | −0.81% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |
| Standard CD | standard | 36 months | $2,500 | 4.15% | Not ZIP-priced | −0.80% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |
| Standard CD | standard | 48 months | $2,500 | 4.15% | Not ZIP-priced | −0.83% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |
| Standard CD | standard | 60 months | $2,500 | 4.25% | Not ZIP-priced | −0.76% | 2026-10-22T16:23:44.000Z | [Snapshot 387](https://apyledger.com/snapshots/387) |

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.