What are the current interest rates at Neighborhood Trust Federal Credit Union?

Current rates for Neighborhood Trust Federal Credit Union include: 24-Month CD: 3.97%, Savings: 0.10%

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Neighborhood Trust Federal Credit Union

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Neighborhood Trust Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Neighborhood Trust Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Neighborhood Trust Federal Credit Union's 24-month CD rates are at 3.97%. Neighborhood Trust Federal Credit Union's savings rates are at 0.10%. Neighborhood Trust Federal Credit Union's Personal Loan Rates are as low as 18.00%. MonitorBankRates evaluates the financial stability of Neighborhood Trust Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.44%. Rates last updated and verified on 09/21/2026.

Neighborhood Trust Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Neighborhood Trust Federal Credit Union? Share your experience about Neighborhood Trust Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Neighborhood Trust Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.44%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Neighborhood Trust Federal Credit Union
Neighborhood Trust

1112 Saint Nicholas Ave
New York, NY 10032

https://www.neighborhoodtrustfcu.org

Neighborhood Trust Federal Credit Union CD Rates

Product	Rate	APY	Term
24-month certificate	-	3.97%	24 months
Details APY = Annual Percentage Yield. Rates subject to change. Membership eligibility required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
24-month certificate	-	3.97%	24-month
Details Earn up to 3.97% APY* on our 24-month certificate while keeping your money invested locally. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

Neighborhood Trust Federal Credit Union Savings Rates

Product	Rate	APY	View More
Business Share (Savings) Account	0.10%	0.10%
Min Deposit $50 Min Balance $50 Details Monthly e-Statements Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

Neighborhood Trust Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Debt Consolidation Loans	18.00%	up to 60 months
Details discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

Neighborhood Trust Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Loans	4.50%	-	4.50%	Up to 84 months
Details over $20,000; Term: Up to 84 months for term loans; Published rate range: 4.5% to 13.25%. Offered to start-ups operating for 2 years and established businesses Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Business Loans	4.50%	-	4.50%	Up to 24 months
Details over $20,000; Term: Up to 24 months for lines of credit; Published rate range: 4.5% to 13.25%. Offered to start-ups operating for 2 years and established businesses Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Credit Builder Loan	8.00%	-	8.00%	6 to 24-month
Details 1% discount to "Money wisdom" workshop Graduates ! Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Neighborhood Trust Federal Credit Union’s Texas Ratio fell from 5.81% in Q2 2023 to 3.44% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$20M	3.44%	5.0	A+
December 31, 2025	$20M	10.55%	5.0	A
September 30, 2025	$20M	10.98%	5.0	A
June 30, 2025	$20M	13.06%	5.0	A
March 31, 2025	$20M	1.00%	5.0	A+
December 31, 2024	$20M	5.19%	5.0	A+
September 30, 2024	$19M	5.27%	5.0	A+
June 30, 2024	$19M	4.73%	5.0	A+
March 31, 2024	$19M	4.56%	5.0	A+
December 31, 2023	$21M	7.66%	5.0	A
September 30, 2023	$20M	5.83%	5.0	A+
June 30, 2023	$20M	5.81%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Neighborhood Trust Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Neighborhood Trust Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Neighborhood Trust Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Neighborhood Trust Federal Credit Union

Website https://www.neighborhoodtrustfcu.org

Address 1112 Saint Nicholas Ave, New York, NY 10032

Phone 212-740-0900

Fax 212-543-9120

President Robert Green

CEO Rafael Monge-Portaro

Full-Time Employees 9

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.44%

Return on Assets (ROA)

-0.4318%

Return on Equity (ROE)

-1.5755%

Non-Performing Loans Ratio (NPL)

1.29%

Total Assets

20,317,284

Total Amount of Shares and Deposits

13,109,955

Total Shares and Deposits < 1 Year

12,839,916

Total Shares and Deposits 1 3 Years

270,039

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

503,731

Total Uninsured Shares and Deposits > $250K (F+J)

503,731

Total Insured Shares and Deposits > $250K (item 17 less item K)

12,606,224

Total Interest Expense (Sum of items 6 8)

15,960

Share Certificates

Number of Accounts for Share Drafts

677

Number of Accounts for Regular Shares

3,106

All other shares

123

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

-87,740

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,896,350

Total Liabilities

14,749,076

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Neighborhood Trust Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Neighborhood Trust Federal Credit Union

How many branches does Neighborhood Trust Federal Credit Union operate?

Neighborhood Trust Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Neighborhood Trust Federal Credit Union?

Yes, to access services at Neighborhood Trust Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Neighborhood Trust Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Neighborhood Trust Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Neighborhood Trust Federal Credit Union offer online and mobile banking?

Most modern institutions like Neighborhood Trust Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.neighborhoodtrustfcu.org.