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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Online Banking

Routing #311079270
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Certificates of Deposit

Easily open your CD and apply online or visit one of our local branches.

 
 
 
 
 

Why Invest with Neighborhood Credit Union

 
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Better Rates than Banks

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No Market Risk

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Flexible Timelines

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Guaranteed Returns

Online Savings

0.80% APY*

An exclusive rate only available online with additional deposits allowed.
Fixed Interest Rate: 0.80%
Minimum Opening Deposit: $1,500
Term: 17 Months
 
 
 
 

Standard Certificate

Earn up to 1.50% APY*



Minimum Opening Deposit: $2,500
Additional deposits not allowed.


Term Interest APY*
91 days 0.40% 0.40%
6 months 0.50% 0.50%
12 months 0.70% 0.70%
18 months 0.70% 0.70%
30 months 0.70% 0.70%
36 months 1.19% 1.20%
48 months 1.34% 1.35%
60 months 1.49% 1.50%
 


IRA & Roth IRA

Earn up to 1.50% APY*

Minimum Opening Deposit: $2,500
Additional deposits allowed with $25 minimum; yearly IRS contributions limits. 


Term Interest APY*
12 months 0.70% 0.70%
18 months 0.70% 0.70%
30 months 0.70% 0.70%
36 months 1.19% 1.20%
48 months 1.34% 1.35%
60 months 1.49% 1.50%
 


 

FlexPlus

0.50% APY*

A short-term length option with a low opening deposit and additional deposits allowed.
Fixed Interest Rate: 0.50%
Minimum Opening Deposit: $500
Term: 12 Months
 
 

*APY = Annual Percentage Yield are effective July 22, 2020. and are subject to change without notice. CD interest is compounded daily. An interest penalty is required for early withdrawal. Please see full disclosures for additional information.
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Already a member and want to open a CD online?

 
If you are already a member of Neighborhood CU and you would like to open your CD online, please log into your Online Banking account and look under the Additional Services tab.
 
 

 Ready to join the Neighborhood?

 
 
 
 
 
 

What You Can Expect

Better Rates Than Banks

Enjoy getting a better interest rate and earning higher returns than you would at other big banks.

Flexible Timelines

Plan for life’s events near and far by picking a term ranging from 3 months to 5 years.

Low Risk Way to Grow 

A fixed interest rate means the rate stays the same until maturity.
 
 
 

Want to compare CDs side by side?

Click the "Compare CDs" button to explore in-depth.
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Account Finder

Not sure where to start? Let us narrow down products that may be the solution to what you’re looking for!
 

Frequently Asked Questions

Interest on all certificates are credited at the end of each month.
When you reach your maturity date, you have a ten (10) day window to do one of three things:
 
  1. Change the term.
  2. Make additional deposits or withdrawal funds.
  3. Close the CD.
If you reach the maturity date and don't make any changes or withdrawals, your CD will automatically renew into the same system.
Yes, we may impose a penalty if you withdraw before the maturity date. For certificates with terms of one (1) year or less, the penalty is 180 days of interest. Certificates with terms of more than 1 year, the penalty is 365 days of interest. Please see the certificate Truth-In-Savings Disclosure for more details.
 
Opening a CD is as simple as opening one online or visiting one of our branch locations. If you are already a member of Neighborhood CU and you would like to open your CD online, please log into your Online Banking account and look under the Additional Services tab.