CD Rates Alabama (AL) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Alabama CD rates include Birmingham City Credit UnionBirmingham City Credit Union2725 35th Ave N, Birmingham, AL 35207 2839A+5.0 ★Texas Ratio: 4.48%Real return: +2.20%APY minus CPI (February 2026) offering 18 months Share Certificates at 5.00% APY, Keesler Federal Credit UnionKeesler Federal Credit Union2540 Old Shell Rd Ste A, Mobile, AL 36607 3033A+5.0 ★Texas Ratio: 4.31%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Share & IRA Certificate at 5.00% APY, Service 1 Federal Credit UnionService 1 Federal Credit Union2051 S Broad St, Mobile, AL 36615 1286A+5.0 ★Texas Ratio: 1.93%Real return: +1.95%APY minus CPI (February 2026) offering Youth Certificates 1 6 months at 4.75% APY, Alabama Central Credit UnionAlabama Central Credit Union3601 4th Ave S, Birmingham, AL 35222A+5.0 ★Texas Ratio: 0.75%Real return: +1.55%APY minus CPI (February 2026) offering 1 year Share Certificates at 4.35% APY, and Northeast Alabama Postal FCUNortheast Alabama Postal FCU200 S Quintard Ave, Anniston, AL 36201A+5.0 ★Texas Ratio: 5.93%Real return: +1.54%APY minus CPI (February 2026) offering 90 Days Special CD at 4.34% APY. CD rates as of April 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Alabama side-by-side. Alabama CD rates currently reach as high as 5.00% APY from Birmingham City Credit Union at 2725 35th Ave N, Birmingham, AL 35207 2839. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 21, 2026
Compare Best CD Rates in Alabama
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
90 Days Special CD
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
301 Broad Street, York, AL 36925
3-Month Certificate of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Consumer Online Banking Only
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
Eva Liquid CD - Renews every 3 months
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum Deposit
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
3 Month IRA Jumbo
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Month Share/IRA Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
3 Month Share Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
3 month Certificate Account
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL 35207 2839
3 months Share Certificates
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL 35211 6978
3 month Certificate of Deposit
$0
0.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
1400 6TH Ave S, Birmingham, AL 35233
3 Months Certificate of Deposit
$0
0.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
90 Day Certificate Account
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
201 South Commerce Street, Geneva, AL 36340
Personal Certificates of Deposit 90 Days
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1901 6th Ave N, Birmingham, AL 35203
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2340 Woodcrest Pl, Birmingham, AL 35209
Regular CD 90 Days
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
34888 Us Highway 43, Hackleburg, AL 35564
3 month Certificates of Deposit & IRA
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
90 Day CD
$500
0.03%
▼
Rate0.03%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
6 Month Share & IRA Certificate
$0
5.00%
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Promotional rate. Subject to change. Max $50,000 per certificate.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL 36615 1286
Youth Certificates 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FEATURED RATE
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL 36609 1530
6-Month Certificate
$500
4.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
IRA 6 Month
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
6 month Certificate Account
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
6 month special Share Certificate
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
6 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
351 24th St N, Birmingham, AL 35203 3836
Share Certificates (CD's) 6 Months
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 6 Month
$10,000
3.85%
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Regular & IRA Certificates 6 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 6 Months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
6 Month CD
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
548 Main St, Roanoke, AL 36274
6 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL 35044 3016
Share & IRA Certificates 6 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 6 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
1400 6TH Ave S, Birmingham, AL 35233
6 Months Certificate of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
6-Months IRA Certificate
$1,000
3.72%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL 35906 5979
180 Days* Share Certificates / IRA Certificates
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
6 Month CD
$0
3.68%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
2121 Highland Ave S, Birmingham, AL 35205
6-month CD
$2,500
3.65%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
6 Month Share/IRA Certificates
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
674 N Oates St, Dothan, AL 36303 4530
6-Month Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
Share Certificate 6 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL 36532
6 Months Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL 35674
6 Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
6 month CD
$1,000
3.53%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL 36609 5195
6 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
B4.4 ★Texas Ratio: 21.71%
2 1st St Ne, Lafayette, AL 36862
6 Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 6 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
Share Certificate 6 Months CD Special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
6 Month Special Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL 35660
6 months Certificates of Deposit
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
6 Month Certificate
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate 6 Months Fixed
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
6 Month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
6 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
6 Month Super Jumbo Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL 35404
6 Months Certificates of Deposit
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1731 Noble St, Anniston, AL 36201
6-Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
6 Month Share Certificate
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
6 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL 35650 1923
6 Month Share Certificate
$1,000
2.53%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Share Certificates 6 Months
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
early withdrawal penalty rate is 30 days interest at prevailing rate
FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL 36117
6-Month Share Certificate
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL 35207 2839
6 months Share Certificates
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
4301 Iverson Blvd, Trinity, AL 35673
6 Months Share Certificates/CDs
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
6 Month Share CD
$500
1.40%
▼
Rate1.39%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL 35211 6978
6 month Certificate of Deposit
$0
1.26%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL 36615 1286
Youth Certificates 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL 35222
1 year Share Certificates
$0
4.35%
▼
Rate4.27%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL 36609 1530
12-Month Certificate
$500
4.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
Share Certificate 12 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL 36604 2713
12-month Certificate of Deposit
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
500 min to open
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
IRA 12 Month
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
12 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
12 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL 36532
12 Months Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
12 month special Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1605 Eastern Blvd, Montgomery, AL 36117
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Limited time offer. Only available in our branches.
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
674 N Oates St, Dothan, AL 36303 4530
12-Month Share Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
12 month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 1 Year
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 12 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
351 24th St N, Birmingham, AL 35203 3836
Share Certificates (CD's) 12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 12 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL 35404
12 Months Certificates of Deposit
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL 35661 1285
Roth IRA Certificates 12 Months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates 12 Month Term- Jumbo
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL 36609 5195
12 Months Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Councill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1061 Buchanan Way, Normal, AL 35762
12 months CERTICATE OF DEPOSIT
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL 35660
12 months Certificates of Deposit
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 12 Month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
12 Month CD
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
43243 Us Highway 72, Stevenson, AL 35772
12 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL 35211 6978
1 year Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
1 Year Elite Share Certificates
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL 35233 1612
12 Month IRA
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL 35044 3016
Share & IRA Certificates 12 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Regular & IRA Certificates 12 Months
$0
3.42%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL 35906 5979
12 Months* Share Certificates / IRA Certificates
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
12-Month Fixed Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
4301 Iverson Blvd, Trinity, AL 35673
12 Months Share Certificates/CDs
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
1 Year Super Jumbo Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
B4.4 ★Texas Ratio: 21.71%
2 1st St Ne, Lafayette, AL 36862
12 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
12 Month Share Certificate
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate 12 Months Fixed
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
12 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 1 Year
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Share Certificates 12 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
early withdrawal penalty rate is 30 days interest at prevailing rate
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
12-Month Save-Up CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
12 Month Special Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL 35203
IRA Certificates-Trad., Roth, Edu. 12 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL 36606
12 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL 35650 1923
12 Month Share Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 1-Year
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
1 Year Jumbo Share & IRA Certificates
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL 35207 2839
18 months Share Certificates
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
18 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
351 24th St N, Birmingham, AL 35203 3836
Share Certificates (CD's) 18 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 18 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 18 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
43243 Us Highway 72, Stevenson, AL 35772
18 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
16601 County Road 150, Courtland, AL 35618
CD Special 18 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL 36609 5195
18 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL 36615 1286
18 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
18 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
18 Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
Share Certificate 18 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
Business Certificate of Deposits (CD)1 18 Months
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL 35906 5979
18 Months* Share Certificates / IRA Certificates
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
18 Month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL 35660
18 months Certificates of Deposit
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Regular & IRA Certificates 18 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 18 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate 18 Months Fixed
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
18 Month Jumbo Share & IRA Certificates
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
18 Month Share Certificate
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
18 Month Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 18 Month
$10,000
3.09%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL 36606
18 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL 35211 6978
18 month Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1731 Noble St, Anniston, AL 36201
18-Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
18 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
18-Month IRA CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
18 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
18 month Certificate Account
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL 36104 5106
IRA 18-Month Certificate
$0
2.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
111 S Main St, Atmore, AL 36502
18 Month CD
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
1400 6TH Ave S, Birmingham, AL 35233
18 Months Certificate of Deposit
$0
1.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
1400 Gault Ave N, Fort Payne, AL 35967
18 Month CD Term
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
18 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Jumbo IRA Certificates 18 Month
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL 36117
18-Month Share Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
34888 Us Highway 43, Hackleburg, AL 35564
18 month Certificates of Deposit & IRA
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
18 Month Certificate
$1,000
0.12%
▼
Rate0.12%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL 35222
2 year Share Certificates
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
IRA 24 Month
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
24 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL 36532
24 Months Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 2 Year
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL 36615 1286
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
24 month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL 35906 5979
24 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates 24 Month Term- Jumbo
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL 35233 1612
24 Month IRA
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
674 N Oates St, Dothan, AL 36303 4530
Share Certificate, IRA Certificate 24 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 24 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL 36609 5195
24 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 24 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL 35207 2839
24 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
24 Month IRA
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
351 24th St N, Birmingham, AL 35203 3836
Share Certificates (CD's) 24 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
Share Certificate 24 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Councill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1061 Buchanan Way, Normal, AL 35762
24 months CERTICATE OF DEPOSIT
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
24 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
Business Certificate of Deposits (CD)1 24 Months
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL 35660
24 months Certificates of Deposit
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate 24 Months Fixed
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL 35650 1923
24 Month Share Certificate
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL 35404
24 Months Certificates of Deposit
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
2 Year Share/IRA Certificates
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
24-Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
24-Month IRA CD
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
24 Month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
24 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
24 Month CD
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Regular & IRA Certificates 24 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL 35211 6978
2 year Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1731 Noble St, Anniston, AL 36201
24-Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL 35044 3016
Share & IRA Certificates 24 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 2 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
24 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
43243 Us Highway 72, Stevenson, AL 35772
24 Month Certificate of Deposit
$0
2.90%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 24 Month
$10,000
2.83%
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
1501 31st Ave N, Birmingham, AL 35207
IRA Certificate (24 month)
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
2 Year Super Jumbo Certificate
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
24 month Certificate Account
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
24 Month Certificate Account
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Share Certificates 24 Months
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
early withdrawal penalty rate is 60 days interest at prevailing rate
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
3722 US Highway 431 N, Phenix City, AL 36867
First-time Homebuyer Certificate 24-month term
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Eligible for additional deposits throughout the certificate term; Maximum balance of $15,000; Limit one certificate per membership; Closing credit of $500 towards your mortgage closing with Kinetic
First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
111 S Main St, Atmore, AL 36502
2 Year CD
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
1400 6TH Ave S, Birmingham, AL 35233
24 Months Certificate of Deposit
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL 36801 6257
24 Month Regular Certificate
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL 35222
3 year Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
36 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
IRA 36 Month
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
36 month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL 35906 5979
36 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL 35233 1612
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates 36 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
36 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
674 N Oates St, Dothan, AL 36303 4530
Share Certificate, IRA Certificate 36 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 3 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 36 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL 36615 1286
36 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL 36609 5195
36 Months Certificate
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate 36 Months Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
36 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
351 24th St N, Birmingham, AL 35203 3836
Share Certificates (CD's) 36 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Year Elite Share Certificates
$10,000
3.35%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Councill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1061 Buchanan Way, Normal, AL 35762
36 months CERTICATE OF DEPOSIT
$500
3.34%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL 36532
36 Months Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL 35661 1285
Roth IRA Certificates 36 Months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
Business Certificate of Deposits (CD)1 36 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL 35211 6978
3 year Certificate of Deposit
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
Share Certificate 36 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
43243 Us Highway 72, Stevenson, AL 35772
36 Month Certificate of Deposit
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
36 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL 35660
36 months Certificates of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
36 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
1501 31st Ave N, Birmingham, AL 35207
IRA Certficate (36 month)
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL 35404
36 Months Certificates of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 3 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL 35207 2839
36 months Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 36 Month
$10,000
2.93%
▼
Rate2.90%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
36-Month IRA CD
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL 35650 1923
36 Month Share Certificate
$1,000
2.79%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
36 Month CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1731 Noble St, Anniston, AL 36201
36-Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL 35044 3016
Share & IRA Certificates 36 months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
36 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
3 Year Super Jumbo Certificate
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
36 month Certificate Account
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
36 Month Certificate Account
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Regular & IRA Certificates 36 Months
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
1400 Gault Ave N, Fort Payne, AL 35967
3 Year CD Term
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL 36801 6257
36 Month Regular Certificate
$0
1.66%
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 3-Year
$1,000
1.50%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
15 20th St N, Pell City, AL 35125
3 Years Certificate of Deposit
$500
1.40%
▼
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
48 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
IRA 48 Month
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
48 month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL 35906 5979
48 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates 48 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 4 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate 48 Months Fixed
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL 36615 1286
48 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
674 N Oates St, Dothan, AL 36303 4530
Share Certificate, IRA Certificate 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 48 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
48 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL 36532
48 Months Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL 35211 6978
4 year IRA Certificates of Deposit and IRAs
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
Business Certificate of Deposits (CD)1 48 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL 35660
48 months Certificates of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
48 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 48 Month
$10,000
3.09%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
48-Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
48 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 4 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL 35207 2839
48 months Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
48-Month IRA CD
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
4 Year Super Jumbo Certificate
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL 35650 1923
48 Month Share Certificate
$1,000
2.79%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
48 Month CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
48 month Certificate Account
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1731 Noble St, Anniston, AL 36201
48-Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL 35044 3016
Share & IRA Certificates 48 months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
48 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
48 Month Certificate Account
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Regular & IRA Certificates 48 Months
$0
2.26%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
1400 Gault Ave N, Fort Payne, AL 35967
4 Year CD Term
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
15 20th St N, Pell City, AL 35125
4 Years Certificate of Deposit
$500
1.50%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Jumbo IRA Certificates 48 Month
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL 36606
48 Month Certificate
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
48 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
4 Year Jumbo Share & IRA Certificates
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 4-Year
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
48 Month Certificate
$1,000
0.46%
▼
Rate0.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
201 South Commerce Street, Geneva, AL 36340
Personal Certificates of Deposit 4 Years
$1,000
0.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
111 S Main St, Atmore, AL 36502
4 Year CD
$1,000
0.45%
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
34888 Us Highway 43, Hackleburg, AL 35564
48 month Certificates of Deposit & IRA
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2340 Woodcrest Pl, Birmingham, AL 35209
Regular CD 48 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
60 Month IRA Jumbo
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL 35233 1612
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
IRA 60 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
60 month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL 35906 5979
60 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate 60 Months Fixed
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL 35661 1285
Roth IRA Certificates 60 Months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 5 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL 35222
5 year Share Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
43243 Us Highway 72, Stevenson, AL 35772
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL 36615 1286
Share Certificates 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL 35660
60 months Certificates of Deposit
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
674 N Oates St, Dothan, AL 36303 4530
Share Certificate, IRA Certificate 60 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
60 Month IRA
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
up to
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL 36609 5195
60 Months Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
60 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 60 Months
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
5 year Elite Share Certificates
$10,000
3.40%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL 35211 6978
5 year Certificate of Deposit
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL 36532
60 Months Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
Business Certificate of Deposits (CD)1 60 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 5 Year
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 60 Month
$10,000
3.19%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
60 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL 35404
60 Months Certificates of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
60-Month IRA CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL 35207 2839
60 months Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
5 Year Super Jumbo Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
60 month Certificate Account
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
60 Month Share Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL 35650 1923
60 Month Share Certificate
$1,000
2.79%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL 35044 3016
Share & IRA Certificates 60 months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1731 Noble St, Anniston, AL 36201
60-Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
60 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
60 Month Certificate Account
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL 35203
IRA Certificates-Trad., Roth, Edu. 60 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL 36104 5106
IRA 60-Month Certificate
$0
2.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Regular & IRA Certificates 60 Months
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
1400 Gault Ave N, Fort Payne, AL 35967
5 Year CD Term
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
15 20th St N, Pell City, AL 35125
5 Years Certificate of Deposit
$500
1.75%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Jumbo IRA Certificates 60 Month
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL 36606
60 Month Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
5 Year Jumbo Share & IRA Certificates
$0
1.45%
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
60 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
5401 E Lake Blvd Bldg 630, Birmingham, AL 35217 3545
Share Certificates 60 Months
$0
1.25%
▼
Rate1.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 5-Year
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Alabama CD Rate Trends
Compare local Alabama CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — AL Avg
2.874%
▼ 0.124 vs 7 days ago
Alabama 12-month CD rates fell 0.124 points over the past 7 days to 2.874% APY.
6-Month CD — AL Avg
2.525%
▼ 0.348 vs 7 days ago
Alabama 6-month CD rates fell 0.348 points over the past 7 days to 2.525% APY.
As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
AL CD Rate Forecast — Next 12 Months
Where are Alabama CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AL 12-Month Avg APY
2.874%
6-Month Forecast
2.874%
Range: 2.67% – 3.02%
12-Month Forecast
2.624%
Range: 2.42% – 2.77%
Powered by
MonitorBankRates
What Your Savings Earn at AL CD Rates Today
Annual interest earnings at today’s Alabama average APYs. State average used where available; national average as fallback.
| CD Term | AL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.719% | $85.97 | $171.94 | $429.85 | $859.70 |
| 6-Month CD | 2.525% | $126.26 | $252.52 | $631.30 | $1,262.60 |
| 12-Month CD | 2.874% | $143.70 | $287.39 | $718.48 | $1,436.95 |
| 18-Month CD | 2.902% | $145.11 | $290.22 | $725.55 | $1,451.10 |
| 24-Month CD | 2.966% | $148.28 | $296.56 | $741.40 | $1,482.80 |
| 36-Month CD | 2.881% | $144.04 | $288.07 | $720.18 | $1,440.35 |
| 48-Month CD | 2.805% | $140.26 | $280.52 | $701.30 | $1,402.60 |
| 60-Month CD | 2.977% | $148.87 | $297.74 | $744.35 | $1,488.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
Sample CD Ladder for Alabama Savers
$25,000 split equally across 5 terms using today’s Alabama average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | AL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.719% | $85.97 |
| 2 | 6-Month CD | $5,000 | 2.525% | $126.26 |
| 3 | 12-Month CD | $5,000 | 2.874% | $143.70 |
| 4 | 24-Month CD | $5,000 | 2.966% | $148.28 |
| 5 | 36-Month CD | $5,000 | 2.881% | $144.04 |
| Total ($25,000 invested) | $25,000 | 2.593% blended | $648.25/yr | |
Ladder example uses equal $5,000 rungs and Alabama average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
78
Institutions
in Alabama
in Alabama
19 Banks
59 Credit Unions
About Our Alabama CD Rate Database
MonitorBankRates tracks CD rates from 19 banks and 59 credit unions with locations in Alabama, plus national online institutions available to Alabama residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Birmingham City Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Alabama.
How to Find the Best CD Rates in Alabama
What to compare when shopping for a CD in Alabama
To find the best APYs in Alabama, start with credit unions and online-only banks — Alabama has 59 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Alabama
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Alabama — 78 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Alabama savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Alabama money market rates
Alabama Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.8%
National avg: 17.3%
Median Individual Earnings
$40,605
National avg: $47,340
Poverty Rate
15.6%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$117/yr
At AL 12-mo avg 2.874% APY
17.8% of residents are 65 or older, in line with the national average of 17.3%. At today’s AL 12-month CD average of 2.874%, saving 10% of the local median salary ($4,060/year) and putting it in a CD would earn an additional $117 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Alabama
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Alabama
Are CD rates in Alabama FDIC insured?
Yes, most established banks in Alabama are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Alabama?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Alabama.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Alabama may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Alabama?
Here are recent top rates found for this area:
- Birmingham City Credit Union: 5.00% APY (18 months Share Certificates)
- Keesler Federal Credit Union: 5.00% APY (6 Month Share & IRA Certificate)
- Service 1 Federal Credit Union: 4.75% APY (Youth Certificates 1 6 months)
- Alabama Central Credit Union: 4.35% APY (1 year Share Certificates)
- Northeast Alabama Postal FCU: 4.34% APY (90 Days Special CD)
- New Horizons Credit Union: 4.20% APY (6-Month Certificate)
- Pen Air Credit Union: 4.10% APY (6 month Certificate Account)
- Weyco Community Credit Union: 4.07% APY (Share Certificate 12 Months)
- Gulf Coast Federal Credit Union: 4.07% APY (12-month Certificate of Deposit)
- Winsouth Credit Union: 3.95% APY (6 month special Share Certificate)
Rates reflect recent verified offers available in Alabama. Last Updated: April 21, 2026
CD Calculators for Alabama
Alabama CD Calculator
At today’s AL top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Alabama CD LadderAL CD rates currently range from 1.719% (3-month) to 2.881% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Alabama CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsAlabama’s average 12-month CD is 2.874% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Alabama directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Alabama. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in AL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 21, 2026
Cities in Alabama
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