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CD Rate Trends

Dauphin Island, Alabama Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 31, 2026

Dauphin Island, Alabama CD rates from banks and credit unions serving Alabama range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Dauphin Island, Alabama CD rates include First Jackson BankFirst Jackson BankA+5.0 ★Texas Ratio: 1.03%Real return: +1.30%APY minus CPIRate verified Oct 31, 2026 offering 60 Month Certificate of Deposit at 5.00% APY, Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.89%Real return: +1.30%APY minus CPIRate verified Oct 29, 2026 offering 12 Month Family Legacy Certificate Account at 5.00% APY, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 7.78%Real return: +1.25%APY minus CPIRate verified Oct 29, 2026 offering 60 Month Jumbo Share Certificates (CDs) at 4.95% APY, Service 1 Federal Credit UnionService 1 Federal Credit UnionA+5.0 ★Texas Ratio: 1.56%Real return: +1.05%APY minus CPIRate verified Oct 28, 2026 offering 6 Month Share Certificates at 4.75% APY, and Federal Employees Credit UnionFederal Employees Credit UnionA+5.0 ★Texas Ratio: 4.81%Real return: +1.00%APY minus CPIRate verified Oct 29, 2026 offering 60 Month IRA at 4.70% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.

Dauphin Island is a smaller community with no bank or credit union branches currently in our database. 742 institutions serving the Alabama area are available to Dauphin Island residents, with CD rates as high as 5.00% APY from First Jackson Bank. Rates are continually updated, so 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: October 31, 2026

Compare Best CD Rates in Dauphin Island, Alabama & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Dauphin Island 3 Month CD Rates

Alabama 3 Month CD Average1.81% APYNational 2.13%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Jumbo Rate Share Certificate - 90 Days
$0
4.51% ▲ 2.70% above Alabama avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average1.81%▲ 2.70% above avgNationally 2.13%
Details

$100,000+; Compound Period: Maturity; Jumbo Rate - $100,000+ Deposit

Rate History
No change since Oct 19, 2026 · 4.51% APY · checked 3 times
4.01%4.51%5.01%Oct 19, 2026: 4.51% APYOct 19, 2026Oct 31, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
90 Day Share Certificate
$2,500
4.41% ▲ 2.60% above Alabama avg
View
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average1.81%▲ 2.60% above avgNationally 2.13%
Details

Compound Period: Maturity

Rate History
No change since Oct 10, 2026 · 4.41% APY · checked 4 times
3.91%4.41%4.91%Oct 10, 2026: 4.41% APYOct 10, 2026Oct 31, 2026
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
CD - 90 Days Special
$0
4.15% ▲ 2.34% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▲ 2.34% above avgNationally 2.13%
Details

Special term; Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 15, 2026: 4.15% APYOct 15, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Jumbo Term Certificate
$100,000
3.71% ▲ 1.90% above Alabama avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average1.81%▲ 1.90% above avgNationally 2.13%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 4 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66% ▲ 1.85% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average1.81%▲ 1.85% above avgNationally 2.13%
Details

Certificates can only be added to at maturity or in the 10-day grace period

Rate History
No change since Oct 19, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 19, 2026: 3.66% APYOct 19, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Term Certificate
$1,000
3.66% ▲ 1.85% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average1.81%▲ 1.85% above avgNationally 2.13%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 31, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.74% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▲ 1.74% above avgNationally 2.13%
Details

Balance: $500 or more; Account matures in 3 months; Fund up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 10 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 31, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 3 months
$0
3.30% ▲ 1.49% above Alabama avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▲ 1.49% above avgNationally 2.13%
Details

Balance: $1,000.00 - $249,999.99; Online Account Opening

Rate History
No change since Oct 31, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 31, 2026: 3.30% APYOct 31, 2026Oct 31, 2026
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Month Share/IRA Certificate
$1,000
3.30% ▲ 1.49% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▲ 1.49% above avgNationally 2.13%
Details

$1,000 minimum

Rate History
No change since Sep 21, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 21, 2026: 3.30% APYSep 21, 2026Oct 31, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 3 Month
$0
2.94% ▲ 1.13% above Alabama avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▲ 1.13% above avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 2.94% APY · checked 3 times
2.44%2.94%3.44%Oct 20, 2026: 2.94% APYOct 20, 2026Oct 31, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Three-Month CD
$1,000
2.85% ▲ 1.04% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average1.81%▲ 1.04% above avgNationally 2.13%
Details

Interest Paid: At Maturity

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 31, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3 Month Share Certificate
$0
2.52% ▲ 0.71% above Alabama avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▲ 0.71% above avgNationally 2.13%
Details

Interest Compound Period: Quarterly

Rate History
1 change since Sep 18, 2026 · 2.52% → 2.52% ▼ 0.00 pts · high 2.52% / low 2.52%
2.02%2.52%3.02%Sep 18, 2026: 2.52% APYOct 9, 2026: 2.52% APYSep 18, 2026Oct 31, 2026
  • Oct 9, 20262.52%▼ from 2.52%
  • Sep 18, 20262.52%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates Plus
$0
2.47% ▲ 0.66% above Alabama avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▲ 0.66% above avgNationally 2.13%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 10 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 31, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificate - 3 Months
$0
2.47% ▲ 0.66% above Alabama avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▲ 0.66% above avgNationally 2.13%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate

Rate History
No change since Oct 23, 2026 · 2.47% APY · checked 2 times
1.97%2.47%2.97%Oct 23, 2026: 2.47% APYOct 23, 2026Oct 31, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates
$0
2.27% ▲ 0.46% above Alabama avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▲ 0.46% above avgNationally 2.13%
Details

Quarterly Posted Dividend Certificate

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 7 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 31, 2026
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Certificate Account - 3 Month
$0
2.10% ▲ 0.29% above Alabama avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average1.81%▲ 0.29% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.10% APY · checked 4 times
1.60%2.10%2.60%Oct 14, 2026: 2.10% APYOct 14, 2026Oct 31, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit - 3 Month
$500
2.00% ▲ 0.19% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▲ 0.19% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 31, 2026
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3 Month Certificate of Deposit
$1,000
2.00% ▲ 0.19% above Alabama avg
View
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▲ 0.19% above avgNationally 2.13%
Details

Standard Rate; 3- and 6-month term CDs compound at maturity

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 10 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 31, 2026
Jefferson Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
3 Month Prosperity Certificate of Deposit
$5,000
2.00% ▲ 0.19% above Alabama avg
View
▼
Rate1.98%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▲ 0.19% above avgNationally 2.13%
Details

Dividend payment frequency: Monthly

Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55% ▼ 0.26% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 0.26% below avgNationally 2.13%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 3 times
1.05%1.55%2.05%Oct 20, 2026: 1.55% APYOct 20, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50% ▼ 0.31% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 0.31% below avgNationally 2.13%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 31, 2026
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
3 Month Share Certificate
$500
1.00% ▼ 0.81% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▼ 0.81% below avgNationally 2.13%
Details

Annual Percentage Yield; $500.00 minimum to start

Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Oct 9, 2026: 1.00% APYOct 9, 2026Oct 31, 2026
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3 Month Certificate of Deposit
$0
0.75% ▼ 1.06% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▼ 1.06% below avgNationally 2.13%
Details

Rate History
No change since Oct 26, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 26, 2026: 0.75% APYOct 26, 2026Oct 31, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3 Month Standard CD
$500
0.55% ▼ 1.26% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 1.26% below avgNationally 2.13%
Details

Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 13 times
0.05%0.55%1.05%Sep 19, 2026: 0.55% APYSep 19, 2026Oct 31, 2026
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Certificate of Deposit - 3 Month
$1,000
0.51% ▼ 1.30% below Alabama avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▼ 1.30% below avgNationally 2.13%
Details

Rates as of February 23, 2026

Rate History
No change since Oct 13, 2026 · 0.51% APY · checked 4 times
0.01%0.51%1.01%Oct 13, 2026: 0.51% APYOct 13, 2026Oct 31, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
90 Day C.D.
$1,000
0.50% ▼ 1.31% below Alabama avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 1.31% below avgNationally 2.13%
Details

Rate History
No change since Sep 11, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 11, 2026: 0.50% APYSep 11, 2026Oct 31, 2026
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
3 Month IRA Certificate
$500
0.30% ▼ 1.51% below Alabama avg
View
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▼ 1.51% below avgNationally 2.13%
Details

Effective September 24, 2026; applies to Traditional, Roth, and Education IRA Certificates; compounded and credited quarterly

Rate History
No change since Oct 26, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 26, 2026: 0.30% APYOct 26, 2026Oct 31, 2026
Tuskegee Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 54.93%
3 Month CD
$0
0.25% ▼ 1.56% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average1.81%▼ 1.56% below avgNationally 2.13%
Details

Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 31, 2026
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Certificate Account - 90 Day
$500
0.20% ▼ 1.61% below Alabama avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average1.81%▼ 1.61% below avgNationally 2.13%
Details

Dividend Frequency: At Maturity; Early withdrawal penalty is equal to 90 days of dividends

Rate History
No change since Oct 19, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Oct 19, 2026: 0.20% APYOct 19, 2026Oct 31, 2026
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Jumbo Share Certificate - 90 Day
$100,000
0.20% ▼ 1.61% below Alabama avg
View
▼
Rate0.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average1.81%▼ 1.61% below avgNationally 2.13%
Details

Dividend Frequency: At Maturity

Rate History
No change since Oct 19, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Oct 19, 2026: 0.20% APYOct 19, 2026Oct 31, 2026
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Standard Certificate - 3 Month
$0
0.15% ▼ 1.66% below Alabama avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▼ 1.66% below avgNationally 2.13%
Details

Standard Certificates - Consumer, IRA, & Business; Monthly & Quarterly Certificates; Dividend Rate/APY

Rate History
No change since Oct 13, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Oct 13, 2026: 0.15% APYOct 13, 2026Oct 31, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Personal Certificates of Deposit - 90 Days
$1,000
0.10% ▼ 1.71% below Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 1.71% below avgNationally 2.13%
Details

Interest Credited: Maturity

Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 31, 2026
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Certificate Account - 90 Days
$0
0.10% ▼ 1.71% below Alabama avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average1.81%▼ 1.71% below avgNationally 2.13%
Details

Early Withdrawal Penalty: 3 Months Dividend

Rate History
No change since Oct 26, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 26, 2026: 0.10% APYOct 26, 2026Oct 31, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 1.75% below Alabama avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 1.75% below avgNationally 2.13%
Details

California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 5 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 31, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.76% below Alabama avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 1.76% below avgNationally 2.13%
Details

California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 31, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3 Month Personal Certificate of Deposit
$0
0.05% ▼ 1.76% below Alabama avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 1.76% below avgNationally 2.13%
Details

Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 31, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
90 Day Regular CD Account
$0
0.05% ▼ 1.76% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 1.76% below avgNationally 2.13%
Details

Type: Regular; Next Steps: Open Now

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 1.78% below Alabama avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 1.78% below avgNationally 2.13%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 31, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day CD
$500
0.03% ▼ 1.78% below Alabama avg
View
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average1.81%▼ 1.78% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 10 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 31, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day Jumbo CD
$100,000
0.03% ▼ 1.78% below Alabama avg
View
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average1.81%▼ 1.78% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 10 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.02% ▼ 1.79% below Alabama avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 1.79% below avgNationally 2.13%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.01% ▼ 1.80% below Alabama avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average1.81%▼ 1.80% below avgNationally 2.13%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 31, 2026

Dauphin Island 6 Month CD Rates

Alabama 6 Month CD Average3.12% APYNational 2.79%▲ 0.04% from last week
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: 1.56%
6 Month Share Certificates
$0
4.75% ▲ 1.63% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 1.63% above avgNationally 2.79%
Details

FEATURED RATE

Rate History
1 change since Sep 30, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
2.75%4.25%5.75%Sep 30, 2026: 3.75% APYOct 23, 2026: 4.75% APYSep 30, 2026Oct 31, 2026
  • Oct 23, 20264.75%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates 1
$0
4.75% ▲ 1.63% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 1.63% above avgNationally 2.79%
Details

FEATURED RATE; Penalties may apply for early withdrawals.

Rate History
No change since Oct 23, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 23, 2026: 4.75% APYOct 23, 2026Oct 31, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Jumbo Rate Share Certificate - 180 Days
$0
4.56% ▲ 1.44% above Alabama avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 1.44% above avgNationally 2.79%
Details

$100,000+; Compound Period: Maturity; Jumbo Rate - $100,000+ Deposit

Rate History
No change since Oct 19, 2026 · 4.56% APY · checked 3 times
4.06%4.56%5.06%Oct 19, 2026: 4.56% APYOct 19, 2026Oct 31, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
180 Day Share Certificate
$2,500
4.46% ▲ 1.34% above Alabama avg
View
▼
Rate4.46%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 1.34% above avgNationally 2.79%
Details

Compound Period: Maturity

Rate History
No change since Oct 10, 2026 · 4.46% APY · checked 4 times
3.96%4.46%4.96%Oct 10, 2026: 4.46% APYOct 10, 2026Oct 31, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 6 Month
$1,000
4.36% ▲ 1.24% above Alabama avg
View
▼
Rate4.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 1.24% above avgNationally 2.79%
Details

Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly

Rate History
No change since Oct 10, 2026 · 4.36% APY · checked 4 times
3.86%4.36%4.86%Oct 10, 2026: 4.36% APYOct 10, 2026Oct 31, 2026
The Citizens Bank Enterprise, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
6-Month CD Special
$25,000
4.20% ▲ 1.08% above Alabama avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.12%▲ 1.08% above avgNationally 2.79%
Details

Limited-time CD special; requires a new account with at least $25,000 minimum deposit and new money; contact local Financial Service Representative

Rate History
No change since Sep 19, 2026 · 4.20% APY · checked 12 times
3.70%4.20%4.70%Sep 19, 2026: 4.20% APYSep 19, 2026Oct 31, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 6 Month
$0
4.15% ▲ 1.03% above Alabama avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 1.03% above avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month Jumbo Term Certificate
$100,000
4.12% ▲ 1.00% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 1.00% above avgNationally 2.79%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.12% APY · checked 4 times
3.62%4.12%4.62%Sep 18, 2026: 4.12% APYSep 18, 2026Oct 31, 2026
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
IRA 6 Month
$500
4.10% ▲ 0.98% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.98% above avgNationally 2.79%
Details

Minimum balance to open account and earn stated APY is $500; early withdrawal penalties apply

Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 23, 2026: 4.10% APYOct 23, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA
$1,000
4.07% ▲ 0.95% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 0.95% above avgNationally 2.79%
Details

Certificates can only be added to at maturity or in the 10-day grace period

Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 19, 2026: 4.07% APYOct 19, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month Term Certificate
$1,000
4.07% ▲ 0.95% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 0.95% above avgNationally 2.79%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 31, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
6 month CD
$1,000
4.04% ▲ 0.92% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Alabama Average3.12%▲ 0.92% above avgNationally 2.79%
Details

APYs as of October 21, 2026

Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 9 times
3.54%4.04%4.54%Sep 14, 2026: 4.04% APYSep 14, 2026Oct 31, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
6 Month Share Certificate
$500
4.02% ▲ 0.90% above Alabama avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.90% above avgNationally 2.79%
Details

Rate History
No change since Oct 13, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
CD Specials - 6 Month
$1,000
4.00% ▲ 0.88% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.12%▲ 0.88% above avgNationally 2.79%
Details

Minimum deposit: $1,000; Interest rate established the date of deposit and calculated by the daily balance method; Available with savings periods of either six, thirteen, or eighteen months

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.00% ▲ 0.88% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 0.88% above avgNationally 2.79%
Details

FEATURED RATE; APY includes .25% Club Benefit Earned payment; Club Benefit Earned payments discontinue at the age of 18

Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 30, 2026: 4.00% APYSep 30, 2026Oct 31, 2026
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Certificate Account - 180 Days
$0
4.00% ▲ 0.88% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.88% above avgNationally 2.79%
Details

Early Withdrawal Penalty: 3 Months Dividend

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Regular Certificate of Deposit - 6 Months
$0
4.00% ▲ 0.88% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.88% above avgNationally 2.79%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and paid at maturity.

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6 Month Certificate of Deposit
$0
4.00% ▲ 0.88% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.88% above avgNationally 2.79%
Details

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
180 Day Share Certificate
$500
4.00% ▲ 0.88% above Alabama avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 0.88% above avgNationally 2.79%
Details

Dividends compounded quarterly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 6 Month Special
$1,000
4.00% ▲ 0.88% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 0.88% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 6 month special
$1,000
4.00% ▲ 0.88% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 0.88% above avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 6 Month Special Certificate
$1,000
4.00% ▲ 0.88% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 0.88% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 6 month special
$1,000
4.00% ▲ 0.88% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 0.88% above avgNationally 2.79%
Details

Special rate

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 6 Month Term
$0
3.98% ▲ 0.86% above Alabama avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 0.86% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 14, 2026: 3.77% APYOct 12, 2026: 3.98% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20263.98%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 6 Months Fixed
$100,000
3.97% ▲ 0.85% above Alabama avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 0.85% above avgNationally 2.79%
Details

Compounding: Dividend Rate Compounding 3.90%, APY Compounding 3.97%

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYSep 18, 2026: 3.87% APYOct 4, 2026: 3.97% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.97%▲ from 3.87%
  • Sep 18, 20263.87%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 6 Months Fixed
$100,000
3.90% ▲ 0.78% above Alabama avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 0.78% above avgNationally 2.79%
Details

Non-Compounding: Dividend Rate Non-Compounding 3.90%, APY Non-Compounding 3.90%

Rate History
3 changes since Sep 14, 2026 · 3.76% → 3.90% ▲ 0.14 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYSep 18, 2026: 3.87% APYOct 4, 2026: 3.97% APYOct 28, 2026: 3.90% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.90%▼ from 3.97%
  • Oct 4, 20263.97%▲ from 3.87%
  • Sep 18, 20263.87%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Sixth Avenue Baptist Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 92.78%
6-Month Certificate Special
$500
3.90% ▲ 0.78% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 0.78% above avgNationally 2.79%
Details

New money only

Rate History
No change since Oct 27, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 27, 2026: 3.90% APYOct 27, 2026Oct 31, 2026
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 6 Months
$1,000
3.90% ▲ 0.78% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.78% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 31, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 6 Month
$10,000
3.85% ▲ 0.73% above Alabama avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.73% above avgNationally 2.79%
Details

Dividend Rate 3.80%; available only to Garden Island FCU members of at least fifteen (15) years of membership

Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 31, 2026
Red Oak Credit Union
Institution Rating:
B3.8 ★Texas Ratio: 4.34%
Regular & IRA Certificate - 6 Months
$0
3.85% ▲ 0.73% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.73% above avgNationally 2.79%
Details

Rate History
No change since Oct 26, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 26, 2026: 3.85% APYOct 26, 2026Oct 31, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate 6 Month
$1,000
3.82% ▲ 0.70% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 0.70% above avgNationally 2.79%
Details

Minimum Balance to Earn APY: Any Balance

Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 31, 2026
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month Certificate
$0
3.81% ▲ 0.69% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.69% above avgNationally 2.79%
Details

A penalty may apply for early withdrawal of funds

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 12 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 31, 2026
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
6 Month CD
$0
3.81% ▲ 0.69% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.12%▲ 0.69% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 10 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 31, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
6 Month Business Certificates of Deposit
$500
3.80% ▲ 0.68% above Alabama avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.12%▲ 0.68% above avgNationally 2.79%
Details

Paid: Monthly

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 18, 2026: 3.75% APYOct 2, 2026: 3.80% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20263.80%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 6 Months
$500
3.80% ▲ 0.68% above Alabama avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.12%▲ 0.68% above avgNationally 2.79%
Details

Paid: Monthly; Penalties may be applied for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 18, 2026: 3.75% APYOct 2, 2026: 3.80% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20263.80%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Local Bank Red Level, AL
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Certificates of Deposit Accounts - 6 month
$2,500
3.80% ▲ 0.68% above Alabama avg
View
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Alabama Average3.12%▲ 0.68% above avgNationally 2.79%
Details

Maximum deposit $250,000 per CD; Terms and conditions apply

Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 31, 2026
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Certificate - 6 Months
$0
3.80% ▲ 0.68% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.68% above avgNationally 2.79%
Details

$500; Minimum balance to open a Certificate is $500; Dividends compounded and paid quarterly; Early withdrawal penalty applies

Rate History
No change since Oct 15, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 15, 2026: 3.80% APYOct 15, 2026Oct 31, 2026
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 6 Months
$0
3.76% ▲ 0.64% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.64% above avgNationally 2.79%
Details

Limited time offer; Penalty for early withdrawal; Dividends computed on average daily balances of $500 or more

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 31, 2026
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
6 Month CD
$500
3.75% ▲ 0.63% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.12%▲ 0.63% above avgNationally 2.79%
Details

CD Special; maximum deposit $1,000,000; APY effective and accurate as of October 2, 2026; early withdrawal penalty equivalent to 1 month interest may apply

Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 8, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 8, 2026Oct 31, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 8, 20263.50%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Share Certificate
$0
3.75% ▲ 0.63% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 0.63% above avgNationally 2.79%
Details

FEATURED RATE; Penalties may apply for early withdrawals

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 31, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificate - 6 months
$0
3.75% ▲ 0.63% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 0.63% above avgNationally 2.79%
Details

FEATURED RATE; Penalties may apply for early withdrawals.

Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 23, 2026: 3.75% APYOct 23, 2026Oct 31, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Month Share Certificate Special
$0
3.75% ▲ 0.63% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 0.63% above avgNationally 2.79%
Details

6 Months CD Special at 3.75% APY; footnote ** APY

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 31, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Months CD Special
$0
3.75% ▲ 0.63% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 0.63% above avgNationally 2.79%
Details

Special rate

Rate History
1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 12, 2026: 3.50% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 31, 2026
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 12, 20263.50%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6-Month Share Certificate
$5,000
3.75% ▲ 0.63% above Alabama avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.12%▲ 0.63% above avgNationally 2.79%
Details

Featured term; requires a minimum deposit of $5,000 (new or existing funds)

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 31, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 6 months
$0
3.70% ▲ 0.58% above Alabama avg
View
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.12%▲ 0.58% above avgNationally 2.79%
Details

Balance: $1,000.00 - $249,999.99; Online Account Opening

Rate History
No change since Oct 31, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 31, 2026: 3.70% APYOct 31, 2026Oct 31, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
6 Month Jumbo Share Certificate
$100,000
3.70% ▲ 0.58% above Alabama avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.58% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 31, 2026
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month Certificate of Deposit
$0
3.68% ▲ 0.56% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Alabama Average3.12%▲ 0.56% above avgNationally 2.79%
Details

Rates effective as of 3/24/2026; *APY=Annual Percentage Yield; **Interest paid monthly or at maturity; Early withdrawal penalty: maturity of 12 months or less is 1 month of interest, greater than 12 months is 3 months of interest

Rate History
No change since Oct 21, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 21, 2026: 3.68% APYOct 21, 2026Oct 31, 2026
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Certificate of Deposit - 6 Months
$0
3.68% ▲ 0.56% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Alabama Average3.12%▲ 0.56% above avgNationally 2.79%
Details

Rates effective as of 3/24/2026; Interest paid monthly or at maturity

Rate History
No change since Oct 7, 2026 · 3.68% APY · checked 4 times
3.18%3.68%4.18%Oct 7, 2026: 3.68% APYOct 7, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 6 Month
$0
3.66% ▲ 0.54% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.54% above avgNationally 2.79%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 23, 2026: 3.66% APYOct 23, 2026Oct 31, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
6 Month Super Jumbo Certificate
$0
3.66% ▲ 0.54% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.12%▲ 0.54% above avgNationally 2.79%
Details

All Rates as of October 16, 2026

Rate History
1 change since Sep 18, 2026 · 3.61% → 3.66% ▲ 0.05 pts · high 3.66% / low 3.61%
3.11%3.64%4.16%Sep 18, 2026: 3.61% APYOct 26, 2026: 3.66% APYSep 18, 2026Oct 31, 2026
  • Oct 26, 20263.66%▲ from 3.61%
  • Sep 18, 20263.61%first recorded

Dauphin Island 12 Month CD Rates

Alabama 12 Month CD Average3.31% APYNational 3.01%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 1.69% above Alabama avg
View
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 1.69% above avgNationally 3.01%
Details

Family Legacy Certificate Account for a beneficiary/representative of a deceased member; must be opened within two years of the date of death; eligibility subject to verification; one renewal at rate in effect at maturity; rate not guaranteed to match original; Dividend Rate accurate as of July 24th, 2026

Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
4.41%4.96%5.50%Sep 14, 2026: 4.91% APYSep 17, 2026: 5.00% APYSep 14, 2026Oct 31, 2026
  • Sep 17, 20265.00%▲ from 4.91%
  • Sep 14, 20264.91%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
12 Month Jumbo Share Certificates (CDs)
$1,000
4.53% ▲ 1.22% above Alabama avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 1.22% above avgNationally 3.01%
Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History
No change since Oct 26, 2026 · 4.53% APY · checked 2 times
4.03%4.53%5.03%Oct 26, 2026: 4.53% APYOct 26, 2026Oct 31, 2026
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
12 Month Certificate of Deposit
$0
4.50% ▲ 1.19% above Alabama avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.31%▲ 1.19% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 14, 2026: 3.75% APYOct 26, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.50%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
12 Month IRA
$0
4.50% ▲ 1.19% above Alabama avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.31%▲ 1.19% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 14, 2026: 3.75% APYOct 26, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.50%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Share Certificates
$0
4.50% ▲ 1.19% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.31%▲ 1.19% above avgNationally 3.01%
Details

Rate History
3 changes since Sep 30, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 30, 2026: 3.50% APYOct 14, 2026: 4.50% APYOct 15, 2026: 3.50% APYOct 23, 2026: 4.50% APYSep 30, 2026Oct 31, 2026
  • Oct 23, 20264.50%▲ from 3.50%
  • Oct 15, 20263.50%▼ from 4.50%
  • Oct 14, 20264.50%▲ from 3.50%
  • Sep 30, 20263.50%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Youth Certificates 1
$0
4.50% ▲ 1.19% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.31%▲ 1.19% above avgNationally 3.01%
Details

Penalties may apply for early withdrawals.

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.04% above Alabama avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.31%▲ 1.04% above avgNationally 3.01%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 31, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 12 Month
$1,000
4.31% ▲ 1.00% above Alabama avg
View
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 1.00% above avgNationally 3.01%
Details

Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly

Rate History
No change since Oct 10, 2026 · 4.31% APY · checked 4 times
3.81%4.31%4.81%Oct 10, 2026: 4.31% APYOct 10, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month Jumbo Term Certificate
$100,000
4.23% ▲ 0.92% above Alabama avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 0.92% above avgNationally 3.01%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 18, 2026: 4.23% APYSep 18, 2026Oct 31, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12 Month IRA
$0
4.20% ▲ 0.89% above Alabama avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.89% above avgNationally 3.01%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Regular Certificate of Deposit - 12 Months
$0
4.20% ▲ 0.89% above Alabama avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.89% above avgNationally 3.01%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and paid at maturity.

Rate History
No change since Oct 26, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 26, 2026: 4.20% APYOct 26, 2026Oct 31, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
12 Month Share Certificate
$500
4.18% ▲ 0.87% above Alabama avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.87% above avgNationally 3.01%
Details

Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 4 times
3.68%4.18%4.68%Oct 13, 2026: 4.18% APYOct 13, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA
$1,000
4.18% ▲ 0.87% above Alabama avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 0.87% above avgNationally 3.01%
Details

Certificates can only be added to at maturity or in the 10-day grace period

Rate History
No change since Oct 19, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 19, 2026: 4.18% APYOct 19, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month Term Certificate
$1,000
4.18% ▲ 0.87% above Alabama avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 0.87% above avgNationally 3.01%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.18% APY · checked 4 times
3.68%4.18%4.68%Sep 18, 2026: 4.18% APYSep 18, 2026Oct 31, 2026
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month IRA Certificate
$500
4.16% ▲ 0.85% above Alabama avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.85% above avgNationally 3.01%
Details

Effective September 24, 2026; applies to Traditional, Roth, and Education IRA Certificates; compounded and credited quarterly

Rate History
No change since Oct 26, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 26, 2026: 4.16% APYOct 26, 2026Oct 31, 2026
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate of Deposit
$0
4.16% ▲ 0.85% above Alabama avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.85% above avgNationally 3.01%
Details

Balance tier: $500.00 Minimum

Rate History
No change since Oct 26, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 26, 2026: 4.16% APYOct 26, 2026Oct 31, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Jumbo Certificate
$250,000
4.16% ▲ 0.85% above Alabama avg
View
▼
Rate4.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.85% above avgNationally 3.01%
Details

Effective 10/23/26 - 10/29/26

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.16% / low 3.80%
3.30%3.98%4.66%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.16% APYSep 14, 2026Oct 31, 2026
  • Sep 29, 20264.16%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 12 Months Fixed
$100,000
4.13% ▲ 0.82% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.31%▲ 0.82% above avgNationally 3.01%
Details

Compounding: Dividend Rate Compounding 4.05%, APY Compounding 4.13%

Rate History
3 changes since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYSep 25, 2026: 4.02% APYOct 4, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 25, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10% ▲ 0.79% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 3.01%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Local Bank Red Level, AL
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Certificates of Deposit Accounts - 12 Month
$2,500
4.10% ▲ 0.79% above Alabama avg
View
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 3.01%
Details

Maximum deposit $250,000 per CD; Terms and conditions apply

Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 31, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 12 Month
$0
4.10% ▲ 0.79% above Alabama avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 3.01%
Details

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
12 Month Share Certificate
$500
4.10% ▲ 0.79% above Alabama avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 3.01%
Details

Dividends compounded quarterly

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 12 Month Special
$1,000
4.10% ▲ 0.79% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 3.01%
Details

Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 12 month special
$1,000
4.10% ▲ 0.79% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 3.01%
Details

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 12 Month Special Certificate
$1,000
4.10% ▲ 0.79% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 3.01%
Details

Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 12 month special
$1,000
4.10% ▲ 0.79% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 3.01%
Details

Special rate

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
12 month certificate
$0
4.08% ▲ 0.77% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 0.77% above avgNationally 3.01%
Details

Best rate; Compounded: Daily; Nominal: 4.00%

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 12 Month
$0
4.07% ▲ 0.76% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.76% above avgNationally 3.01%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 12 Month
$0
4.07% ▲ 0.76% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.76% above avgNationally 3.01%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Oct 29, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 29, 2026: 4.07% APYOct 29, 2026Oct 31, 2026
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Certificate - 12 Months
$0
4.06% ▲ 0.75% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.75% above avgNationally 3.01%
Details

$500; Minimum balance to open a Certificate is $500; Dividends compounded and paid quarterly; Early withdrawal penalty applies

Rate History
No change since Oct 15, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 15, 2026: 4.06% APYOct 15, 2026Oct 31, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Roth IRA Certificate
$500
4.06% ▲ 0.75% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.75% above avgNationally 3.01%
Details

Effective 10/23/26 - 10/29/26

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 14, 2026: 3.70% APYSep 29, 2026: 4.06% APYSep 14, 2026Oct 31, 2026
  • Sep 29, 20264.06%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Standard Certificate
$500
4.06% ▲ 0.75% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.75% above avgNationally 3.01%
Details

Effective 10/23/26 - 10/29/26

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 14, 2026: 3.70% APYSep 29, 2026: 4.06% APYSep 14, 2026Oct 31, 2026
  • Sep 29, 20264.06%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05% ▲ 0.74% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.31%▲ 0.74% above avgNationally 3.01%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 12 Months Fixed
$100,000
4.05% ▲ 0.74% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.31%▲ 0.74% above avgNationally 3.01%
Details

Non-Compounding: Dividend Rate Non-Compounding 4.05%, APY Non-Compounding 4.05%

Rate History
4 changes since Sep 14, 2026 · 3.82% → 4.05% ▲ 0.23 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYSep 25, 2026: 4.02% APYOct 4, 2026: 4.13% APYOct 28, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20264.05%▼ from 4.13%
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 25, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
IRA 12 Month
$500
4.05% ▲ 0.74% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.74% above avgNationally 3.01%
Details

Minimum balance to open account and earn stated APY is $500; early withdrawal penalties apply

Rate History
No change since Oct 23, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 23, 2026: 4.05% APYOct 23, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00% ▲ 0.69% above Alabama avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 3.01%
Details

Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
12 month CD
$1,000
4.00% ▲ 0.69% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 3.01%
Details

APYs as of October 21, 2026

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
CD - 1 Year
$0
4.00% ▲ 0.69% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 3.01%
Details

Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 12 month
$0
4.00% ▲ 0.69% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 3.01%
Details

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month IRA Certificate
$500
4.00% ▲ 0.69% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 3.01%
Details

Effective 10/23/26 - 10/29/26

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 14, 2026: 3.70% APYSep 29, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Sep 29, 20264.00%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 12 Months
$1,000
4.00% ▲ 0.69% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 3.01%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
12 Month Certificates of Deposit
$500
4.00% ▲ 0.69% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 30, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 30, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
12 Month Business Certificates of Deposit
$500
3.95% ▲ 0.64% above Alabama avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.31%▲ 0.64% above avgNationally 3.01%
Details

Paid: Monthly

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 18, 2026: 3.70% APYOct 2, 2026: 3.95% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20263.95%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 12 Months
$500
3.95% ▲ 0.64% above Alabama avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.31%▲ 0.64% above avgNationally 3.01%
Details

Paid: Monthly; Penalties may be applied for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 18, 2026: 3.70% APYOct 2, 2026: 3.95% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20263.95%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month IRA Certificates
$0
3.91% ▲ 0.60% above Alabama avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.60% above avgNationally 3.01%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.86% → 3.91% ▲ 0.05 pts · high 3.91% / low 3.86%
3.36%3.89%4.41%Oct 13, 2026: 3.86% APYOct 29, 2026: 3.91% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20263.91%▲ from 3.86%
  • Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 12 Month
$0
3.91% ▲ 0.60% above Alabama avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.60% above avgNationally 3.01%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 29, 2026: 3.91% APYOct 29, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - YOUth Boost 12-Month
$0
3.91% ▲ 0.60% above Alabama avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.60% above avgNationally 3.01%
Details

YOUth Boost; Minimum daily balance to earn APY: $250

Rate History
No change since Oct 29, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 29, 2026: 3.91% APYOct 29, 2026Oct 31, 2026
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1 Year Share Certificates
$0
3.90% ▲ 0.59% above Alabama avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.59% above avgNationally 3.01%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 31, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 12 Month Term- Jumbo
$0
3.87% ▲ 0.56% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.31%▲ 0.56% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.87% ▲ 0.10 pts · high 3.87% / low 3.77%
3.27%3.82%4.37%Sep 14, 2026: 3.77% APYOct 12, 2026: 3.87% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20263.87%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
1 Year Super Jumbo Certificate
$0
3.87% ▲ 0.56% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.31%▲ 0.56% above avgNationally 3.01%
Details

All Rates as of October 16, 2026

Rate History
1 change since Sep 18, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
3.26%3.82%4.37%Sep 18, 2026: 3.76% APYOct 26, 2026: 3.87% APYSep 18, 2026Oct 31, 2026
  • Oct 26, 20263.87%▲ from 3.76%
  • Sep 18, 20263.76%first recorded

Dauphin Island 18 Month CD Rates

Alabama 18 Month CD Average3.20% APYNational 2.91%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month Certificate of Deposit
$0
4.77% ▲ 1.57% above Alabama avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 1.57% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.77% ▲ 1.02 pts · high 4.77% / low 3.75%
2.73%4.26%5.79%Sep 14, 2026: 3.75% APYOct 26, 2026: 4.77% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.77%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
18 Month Share Certificate
$500
4.49% ▲ 1.29% above Alabama avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 1.29% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 4 times
3.99%4.49%4.99%Oct 13, 2026: 4.49% APYOct 13, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Jumbo Term Certificate
$100,000
4.39% ▲ 1.19% above Alabama avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.20%▲ 1.19% above avgNationally 2.91%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.39% ▲ 0.11 pts · high 4.39% / low 4.28%
3.78%4.34%4.89%Sep 18, 2026: 4.28% APYOct 19, 2026: 4.39% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.39%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
CD Specials - 18 Month
$1,000
4.35% ▲ 1.15% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 1.15% above avgNationally 2.91%
Details

Minimum deposit: $1,000; Interest rate established the date of deposit and calculated by the daily balance method; Available with savings periods of either six, thirteen, or eighteen months

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$1,000
4.33% ▲ 1.13% above Alabama avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.20%▲ 1.13% above avgNationally 2.91%
Details

Certificates can only be added to at maturity or in the 10-day grace period

Rate History
No change since Oct 19, 2026 · 4.33% APY · checked 3 times
3.83%4.33%4.83%Oct 19, 2026: 4.33% APYOct 19, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Term Certificate
$1,000
4.33% ▲ 1.13% above Alabama avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.20%▲ 1.13% above avgNationally 2.91%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
1 change since Sep 18, 2026 · 4.23% → 4.33% ▲ 0.10 pts · high 4.33% / low 4.23%
3.73%4.28%4.83%Sep 18, 2026: 4.23% APYOct 19, 2026: 4.33% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.33%▲ from 4.23%
  • Sep 18, 20264.23%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Regular Certificate of Deposit - 18 Months
$0
4.30% ▲ 1.10% above Alabama avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 1.10% above avgNationally 2.91%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and paid at maturity.

Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 26, 2026: 4.30% APYOct 26, 2026Oct 31, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 18 Month
$1,000
4.26% ▲ 1.06% above Alabama avg
View
▼
Rate4.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.20%▲ 1.06% above avgNationally 2.91%
Details

Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly

Rate History
No change since Oct 10, 2026 · 4.26% APY · checked 4 times
3.76%4.26%4.76%Oct 10, 2026: 4.26% APYOct 10, 2026Oct 31, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
18 Month Hope Preferred CD
$1,000
4.25% ▲ 1.05% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 1.05% above avgNationally 2.91%
Details

Featured rate from 'Earn More with the Hope Preferred CD' banner; APY accurate as of 10/16/2026; APYs vary by term and deposit amount; $1,000.00 minimum balance required to obtain stated APY; Online account opening

Rate History
No change since Oct 31, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 31, 2026: 4.25% APYOct 31, 2026Oct 31, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 18 months
$0
4.25% ▲ 1.05% above Alabama avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 1.05% above avgNationally 2.91%
Details

Balance: $1,000.00 - $249,999.99; Online Account Opening

Rate History
No change since Oct 31, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 31, 2026: 4.25% APYOct 31, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 0.95% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 0.95% above avgNationally 2.91%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10% ▲ 0.90% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 0.90% above avgNationally 2.91%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Mo Certificate
$0
4.10% ▲ 0.90% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.90% above avgNationally 2.91%
Details

Penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
18 month CD
$1,000
4.08% ▲ 0.88% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Alabama Average3.20%▲ 0.88% above avgNationally 2.91%
Details

APYs as of October 21, 2026

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 9 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 31, 2026
Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
CD Special 18 Month
$0
4.06% ▲ 0.86% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.86% above avgNationally 2.91%
Details

Minimum balance is $1000; Substantial penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.06% ▲ 0.51 pts · high 4.06% / low 3.55%
3.04%3.80%4.57%Sep 14, 2026: 3.55% APYOct 26, 2026: 4.06% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.06%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
18 Month Business Certificates of Deposit
$500
4.05% ▲ 0.85% above Alabama avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 0.85% above avgNationally 2.91%
Details

Paid: Monthly

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 18, 2026: 3.65% APYOct 2, 2026: 4.05% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20264.05%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 18 Months
$500
4.05% ▲ 0.85% above Alabama avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 0.85% above avgNationally 2.91%
Details

Paid: Monthly; Penalties may be applied for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 18, 2026: 3.65% APYOct 2, 2026: 4.05% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20264.05%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 18 Month
$0
4.05% ▲ 0.85% above Alabama avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.20%▲ 0.85% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 31, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month C.D.
$1,000
4.01% ▲ 0.81% above Alabama avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 0.81% above avgNationally 2.91%
Details

Rate History
No change since Sep 11, 2026 · 4.01% APY · checked 5 times
3.51%4.01%4.51%Sep 11, 2026: 4.01% APYSep 11, 2026Oct 31, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificate of Deposit - 18 Months
$500
3.95% ▲ 0.75% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.75% above avgNationally 2.91%
Details

Minimum $500 deposit required to open a CD; Available to qualifying members; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 18 Months Fixed
$100,000
3.92% ▲ 0.72% above Alabama avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.20%▲ 0.72% above avgNationally 2.91%
Details

Compounding: Dividend Rate Compounding 3.85%, APY Compounding 3.92%

Rate History
2 changes since Sep 14, 2026 · 3.71% → 3.92% ▲ 0.21 pts · high 3.92% / low 3.71%
3.21%3.82%4.42%Sep 14, 2026: 3.71% APYSep 18, 2026: 3.82% APYOct 4, 2026: 3.92% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.92%▲ from 3.82%
  • Sep 18, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
First National Bank and Trust AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
18 Month CD
$1,000
3.88% ▲ 0.68% above Alabama avg
View
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 0.68% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.88% ▲ 1.63 pts · high 3.88% / low 2.25%
0.62%3.07%5.51%Sep 14, 2026: 2.25% APYOct 31, 2026: 3.88% APYSep 14, 2026Oct 31, 2026
  • Oct 31, 20263.88%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 18 Months Fixed
$100,000
3.85% ▲ 0.65% above Alabama avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.20%▲ 0.65% above avgNationally 2.91%
Details

Non-Compounding: Dividend Rate Non-Compounding 3.85%, APY Non-Compounding 3.85%

Rate History
3 changes since Sep 14, 2026 · 3.71% → 3.85% ▲ 0.14 pts · high 3.92% / low 3.71%
3.21%3.82%4.42%Sep 14, 2026: 3.71% APYSep 18, 2026: 3.82% APYOct 4, 2026: 3.92% APYOct 28, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.85%▼ from 3.92%
  • Oct 4, 20263.92%▲ from 3.82%
  • Sep 18, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Sixth Avenue Baptist Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 92.78%
18-Month Certificate Special
$500
3.85% ▲ 0.65% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.20%▲ 0.65% above avgNationally 2.91%
Details

New money only

Rate History
No change since Oct 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 27, 2026: 3.85% APYOct 27, 2026Oct 31, 2026
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$0
3.80% ▲ 0.60% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.60% above avgNationally 2.91%
Details

Balance tier: $500.00 Minimum

Rate History
No change since Oct 26, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 26, 2026: 3.80% APYOct 26, 2026Oct 31, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
18 Month Share Certificate
$0
3.80% ▲ 0.60% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.60% above avgNationally 2.91%
Details

Interest Compound Period: Quarterly

Rate History
1 change since Sep 18, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 3.80% / low 3.80%
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYOct 9, 2026: 3.80% APYSep 18, 2026Oct 31, 2026
  • Oct 9, 20263.80%▼ from 3.80%
  • Sep 18, 20263.80%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 18 Months
$1,000
3.80% ▲ 0.60% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.60% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 18 Months
$1,000
3.75% ▲ 0.55% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.20%▲ 0.55% above avgNationally 2.91%
Details

Share and IRA Certificates of Deposit; $1,000.00 minimum on all CDs

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70% ▲ 0.50% above Alabama avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 0.50% above avgNationally 2.91%
Details

Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 18 Months
$0
3.66% ▲ 0.46% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.46% above avgNationally 2.91%
Details

Limited time offer; Penalty for early withdrawal; Dividends computed on average daily balances of $500 or more

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 5 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month Traditional and Roth IRA Certificate
$0
3.60% ▲ 0.40% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.20%▲ 0.40% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 23, 2026: 3.60% APYOct 23, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 18 Months Fixed
$1,000
3.60% ▲ 0.40% above Alabama avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.20%▲ 0.40% above avgNationally 2.91%
Details

Compounding: Dividend Rate Compounding 3.55%, APY Compounding 3.60%

Rate History
2 changes since Sep 14, 2026 · 3.39% → 3.60% ▲ 0.21 pts · high 3.60% / low 3.39%
2.89%3.50%4.10%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.49% APYOct 4, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.60%▲ from 3.49%
  • Sep 18, 20263.49%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 18 Months Fixed
$0
3.60% ▲ 0.40% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.20%▲ 0.40% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 31, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates Plus
$0
3.60% ▲ 0.40% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.40% above avgNationally 2.91%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44%
2.94%3.52%4.10%Sep 14, 2026: 3.44% APYOct 15, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20263.60%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificate - 18 Months
$0
3.60% ▲ 0.40% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.40% above avgNationally 2.91%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate

Rate History
No change since Oct 23, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 23, 2026: 3.60% APYOct 23, 2026Oct 31, 2026
Americas First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA & Share Certificates - 18 Months
$0
3.60% ▲ 0.40% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.40% above avgNationally 2.91%
Details

Rates effective as of October 23, 2026

Rate History
No change since Oct 23, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 23, 2026: 3.60% APYOct 23, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 18 Months Fixed
$1,000
3.55% ▲ 0.35% above Alabama avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.20%▲ 0.35% above avgNationally 2.91%
Details

Non-Compounding: Dividend Rate Non-Compounding 3.55%, APY Non-Compounding 3.55%

Rate History
3 changes since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.60% / low 3.39%
2.89%3.50%4.10%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.49% APYOct 4, 2026: 3.60% APYOct 28, 2026: 3.55% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.55%▼ from 3.60%
  • Oct 4, 20263.60%▲ from 3.49%
  • Sep 18, 20263.49%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Jumbo Certificate
$250,000
3.55% ▲ 0.35% above Alabama avg
View
▼
Rate3.50%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.35% above avgNationally 2.91%
Details

Effective 10/23/26 - 10/29/26

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 31, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Term Share Certificate - 18 Months
$0
3.51% ▲ 0.31% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.31% above avgNationally 2.91%
Details

Minimum $50,000.00; Rates effective as of 10/01/2026

Rate History
No change since Oct 23, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 23, 2026: 3.51% APYOct 23, 2026Oct 31, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
18 Month Share Certificate
$0
3.50% ▲ 0.30% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.20%▲ 0.30% above avgNationally 2.91%
Details

Penalties may apply for early withdrawals

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 31, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificate - 18 months
$0
3.50% ▲ 0.30% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.20%▲ 0.30% above avgNationally 2.91%
Details

Penalties may apply for early withdrawals.

Rate History
No change since Oct 23, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 23, 2026: 3.50% APYOct 23, 2026Oct 31, 2026
Legacy Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
18 Month Certificate & IRA
$0
3.50% ▲ 0.30% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.30% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 31, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 18 Month
$0
3.46% ▲ 0.26% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.20%▲ 0.26% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 3.46% APY · checked 3 times
2.96%3.46%3.96%Oct 20, 2026: 3.46% APYOct 20, 2026Oct 31, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Term Share Certificate - 18 Months
$0
3.46% ▲ 0.26% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.26% above avgNationally 2.91%
Details

Minimum $1,000.00 tier; Rates effective as of 10/01/2026

Rate History
No change since Oct 23, 2026 · 3.46% APY · checked 2 times
2.96%3.46%3.96%Oct 23, 2026: 3.46% APYOct 23, 2026Oct 31, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month IRA Certificate
$500
3.44% ▲ 0.24% above Alabama avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.24% above avgNationally 2.91%
Details

Effective 10/23/26 - 10/29/26

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 8 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 31, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Standard Certificate
$500
3.44% ▲ 0.24% above Alabama avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.24% above avgNationally 2.91%
Details

Effective 10/23/26 - 10/29/26

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 9 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 31, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 Month IRA
$500
3.40% ▲ 0.20% above Alabama avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.20%▲ 0.20% above avgNationally 2.91%
Details

Compound Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 10 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 31, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Term Share Certificate - 18 Month
$500
3.40% ▲ 0.20% above Alabama avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.20%▲ 0.20% above avgNationally 2.91%
Details

Compound Frequency: Monthly

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 31, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates
$0
3.39% ▲ 0.19% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.20%▲ 0.19% above avgNationally 2.91%
Details

Quarterly Posted Dividend Certificate

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.39% ▲ 0.15 pts · high 3.39% / low 3.24%
2.74%3.32%3.89%Sep 14, 2026: 3.24% APYOct 23, 2026: 3.39% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20263.39%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
18 Month Share Certificate
$500
3.35% ▲ 0.15% above Alabama avg
View
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.20%▲ 0.15% above avgNationally 2.91%
Details

Dividends compounded quarterly

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 31, 2026

Dauphin Island 24 Month CD Rates

Alabama 24 Month CD Average3.13% APYNational 2.91%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
24 Month Jumbo Share Certificates (CDs)
$1,000
4.82% ▲ 1.69% above Alabama avg
View
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 1.69% above avgNationally 2.91%
Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History
No change since Oct 26, 2026 · 4.82% APY · checked 2 times
4.32%4.82%5.32%Oct 26, 2026: 4.82% APYOct 26, 2026Oct 31, 2026
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
24 Month Certificate of Deposit
$0
4.75% ▲ 1.62% above Alabama avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.13%▲ 1.62% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 4.75% ▲ 1.85 pts · high 4.75% / low 2.90%
1.05%3.82%6.60%Sep 14, 2026: 2.90% APYOct 26, 2026: 4.75% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.75%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
24 Month IRA
$0
4.75% ▲ 1.62% above Alabama avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.13%▲ 1.62% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 4.75% ▲ 1.85 pts · high 4.75% / low 2.90%
1.05%3.82%6.60%Sep 14, 2026: 2.90% APYOct 26, 2026: 4.75% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.75%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
24 Month Share Certificate
$500
4.49% ▲ 1.36% above Alabama avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 1.36% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 4 times
3.99%4.49%4.99%Oct 13, 2026: 4.49% APYOct 13, 2026Oct 31, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Month IRA
$0
4.40% ▲ 1.27% above Alabama avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 1.27% above avgNationally 2.91%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Regular Certificate of Deposit - 24 Months
$0
4.40% ▲ 1.27% above Alabama avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 1.27% above avgNationally 2.91%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and paid at maturity.

Rate History
No change since Oct 26, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 26, 2026: 4.40% APYOct 26, 2026Oct 31, 2026
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24-Month Certificate of Deposit
$0
4.25% ▲ 1.12% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.13%▲ 1.12% above avgNationally 2.91%
Details

Guaranteed rate of return on a Certificate of Deposit

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
24 Month IRA Share Certificate
$1,000
4.25% ▲ 1.12% above Alabama avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 1.12% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 14, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53%
0.81%3.39%5.97%Sep 14, 2026: 2.53% APYOct 9, 2026: 3.75% APYOct 19, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20264.25%▲ from 3.75%
  • Oct 9, 20263.75%▲ from 2.53%
  • Sep 14, 20262.53%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate 24 Month
$1,000
4.25% ▲ 1.12% above Alabama avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 1.12% above avgNationally 2.91%
Details

Minimum Balance to Earn APY: Any Balance

Rate History
1 change since Oct 13, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 13, 2026: 3.75% APYOct 19, 2026: 4.25% APYOct 13, 2026Oct 31, 2026
  • Oct 19, 20264.25%▲ from 3.75%
  • Oct 13, 20263.75%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 24 Month
$1,000
4.20% ▲ 1.07% above Alabama avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 1.07% above avgNationally 2.91%
Details

Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly

Rate History
No change since Oct 10, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Oct 10, 2026: 4.20% APYOct 10, 2026Oct 31, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
24 Month Share Certificate
$500
4.20% ▲ 1.07% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 1.07% above avgNationally 2.91%
Details

Dividends compounded quarterly

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 24 Month
$0
4.17% ▲ 1.04% above Alabama avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 1.04% above avgNationally 2.91%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 23, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 23, 2026: 4.12% APYOct 29, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
  • Oct 29, 20264.17%▲ from 4.12%
  • Oct 23, 20264.12%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 24 Month
$0
4.17% ▲ 1.04% above Alabama avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 1.04% above avgNationally 2.91%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month Jumbo Term Certificate
$100,000
4.13% ▲ 1.00% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 1.00% above avgNationally 2.91%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
1 change since Sep 18, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 18, 2026: 3.87% APYOct 19, 2026: 4.13% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.13%▲ from 3.87%
  • Sep 18, 20263.87%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
24 month IRA
$500
4.08% ▲ 0.95% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Alabama Average3.13%▲ 0.95% above avgNationally 2.91%
Details

IRA; APYs as of October 21, 2026

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 9 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA
$1,000
4.07% ▲ 0.94% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 0.94% above avgNationally 2.91%
Details

Certificates can only be added to at maturity or in the 10-day grace period

Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 19, 2026: 4.07% APYOct 19, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month Term Certificate
$1,000
4.07% ▲ 0.94% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 0.94% above avgNationally 2.91%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
1 change since Sep 18, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 18, 2026: 3.82% APYOct 19, 2026: 4.07% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.07%▲ from 3.82%
  • Sep 18, 20263.82%first recorded
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2 Year C.D.
$1,000
4.06% ▲ 0.93% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.13%▲ 0.93% above avgNationally 2.91%
Details

Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 11, 2026: 4.06% APYSep 11, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 24 Months Fixed
$100,000
4.02% ▲ 0.89% above Alabama avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.13%▲ 0.89% above avgNationally 2.91%
Details

Compounding: Dividend Rate Compounding 3.95%, APY Compounding 4.02%

Rate History
2 changes since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYOct 4, 2026: 4.02% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month IRA Certificates
$0
4.02% ▲ 0.89% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.89% above avgNationally 2.91%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Oct 13, 2026: 3.82% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.82%
  • Oct 13, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 24 Month
$0
4.02% ▲ 0.89% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.89% above avgNationally 2.91%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
24 Month Business Certificates of Deposit
$500
4.00% ▲ 0.87% above Alabama avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.13%▲ 0.87% above avgNationally 2.91%
Details

Paid: Monthly

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Sep 18, 2026: 3.55% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20264.00%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 24 Months
$500
4.00% ▲ 0.87% above Alabama avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.13%▲ 0.87% above avgNationally 2.91%
Details

Paid: Monthly; Penalties may be applied for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Sep 18, 2026: 3.55% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20264.00%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Mo Certificate
$0
4.00% ▲ 0.87% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.87% above avgNationally 2.91%
Details

Penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 5, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Certificate of Deposit
$1,000
4.00% ▲ 0.87% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.87% above avgNationally 2.91%
Details

Balance: $1,000 - $9,999; Regular and IRA CD; Dividend rate accurate as of August 5th, 2026

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 24 Months
$0
4.00% ▲ 0.87% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.87% above avgNationally 2.91%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 24 months
$1,000
4.00% ▲ 0.87% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.87% above avgNationally 2.91%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 24 Month
$0
4.00% ▲ 0.87% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 0.87% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 24 Months Fixed
$100,000
3.95% ▲ 0.82% above Alabama avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.13%▲ 0.82% above avgNationally 2.91%
Details

Non-Compounding: Dividend Rate Non-Compounding 3.95%, APY Non-Compounding 3.95%

Rate History
3 changes since Sep 14, 2026 · 3.82% → 3.95% ▲ 0.13 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYOct 4, 2026: 4.02% APYOct 28, 2026: 3.95% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.95%▼ from 4.02%
  • Oct 4, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
CD - 2 Years
$0
3.90% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.77% above avgNationally 2.91%
Details

Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 15, 2026: 3.90% APYOct 15, 2026Oct 31, 2026
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
IRA 24 Month
$500
3.90% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.77% above avgNationally 2.91%
Details

Minimum balance to open account and earn stated APY is $500; early withdrawal penalties apply

Rate History
No change since Oct 23, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 23, 2026: 3.90% APYOct 23, 2026Oct 31, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
24 month CD
$1,000
3.82% ▲ 0.69% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Alabama Average3.13%▲ 0.69% above avgNationally 2.91%
Details

APYs as of October 21, 2026

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 9 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 31, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Executive IRA Certificate
$100,000
3.80% ▲ 0.67% above Alabama avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.67% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional Executive IRA Certificate
$100,000
3.80% ▲ 0.67% above Alabama avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.67% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Certificate - 24 Months
$0
3.80% ▲ 0.67% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.67% above avgNationally 2.91%
Details

$500; Minimum balance to open a Certificate is $500; Dividends compounded and paid quarterly; Early withdrawal penalty applies

Rate History
No change since Oct 15, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 15, 2026: 3.80% APYOct 15, 2026Oct 31, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Business Share Certificate - 2 Year
$0
3.80% ▲ 0.67% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.67% above avgNationally 2.91%
Details

Interest Compound Period: Quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 31, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
24 Month Youth Certificates
$0
3.75% ▲ 0.62% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.13%▲ 0.62% above avgNationally 2.91%
Details

APY includes .25% Club Benefit Earned payment; Club Benefit Earned payments discontinue at the age of 18

Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 30, 2026: 3.75% APYSep 30, 2026Oct 31, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificate of Deposit - 24 Months
$500
3.75% ▲ 0.62% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.62% above avgNationally 2.91%
Details

Minimum $500 deposit required to open a CD; Available to qualifying members; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.75% ▼ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.85% APYOct 26, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20263.75%▼ from 3.85%
  • Sep 14, 20263.85%first recorded
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
2 Year Share Certificate
$0
3.75% ▲ 0.62% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.62% above avgNationally 2.91%
Details

Interest Compound Period: Quarterly

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 24 Month
$1,000
3.75% ▲ 0.62% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 0.62% above avgNationally 2.91%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 24 month
$1,000
3.75% ▲ 0.62% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 0.62% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 24 Month Certificate
$1,000
3.75% ▲ 0.62% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 0.62% above avgNationally 2.91%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 24 month
$1,000
3.75% ▲ 0.62% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.13%▲ 0.62% above avgNationally 2.91%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2 Year Super Jumbo Certificate
$0
3.71% ▲ 0.58% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.58% above avgNationally 2.91%
Details

All Rates as of October 16, 2026

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45%
2.95%3.58%4.21%Sep 18, 2026: 3.45% APYOct 26, 2026: 3.71% APYSep 18, 2026Oct 31, 2026
  • Oct 26, 20263.71%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70% ▲ 0.57% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.13%▲ 0.57% above avgNationally 2.91%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
24 Month Traditional and Roth IRA Certificate
$0
3.70% ▲ 0.57% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.13%▲ 0.57% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 23, 2026: 3.70% APYOct 23, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 24 Months Fixed
$1,000
3.70% ▲ 0.57% above Alabama avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.13%▲ 0.57% above avgNationally 2.91%
Details

Compounding: Dividend Rate Compounding 3.65%, APY Compounding 3.70%

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 24 Months Fixed
$0
3.70% ▲ 0.57% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.13%▲ 0.57% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 31, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Premier IRA Certificate
$10,000
3.70% ▲ 0.57% above Alabama avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.57% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 31, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional Premier IRA Certificate
$10,000
3.70% ▲ 0.57% above Alabama avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.13%▲ 0.57% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 31, 2026

Dauphin Island 36 Month CD Rates

Alabama 36 Month CD Average3.03% APYNational 2.82%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
36 Month Jumbo Share Certificates (CDs)
$1,000
4.93% ▲ 1.90% above Alabama avg
View
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 1.90% above avgNationally 2.82%
Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History
No change since Oct 26, 2026 · 4.93% APY · checked 2 times
4.43%4.93%5.43%Oct 26, 2026: 4.93% APYOct 26, 2026Oct 31, 2026
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
36 Month Certificate of Deposit
$0
4.75% ▲ 1.72% above Alabama avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.03%▲ 1.72% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 4.75% ▲ 1.65 pts · high 4.75% / low 3.10%
1.45%3.93%6.40%Sep 14, 2026: 3.10% APYOct 26, 2026: 4.75% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.75%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
36 Month IRA
$0
4.75% ▲ 1.72% above Alabama avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.03%▲ 1.72% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 4.75% ▲ 1.65 pts · high 4.75% / low 3.10%
1.45%3.93%6.40%Sep 14, 2026: 3.10% APYOct 26, 2026: 4.75% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.75%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
36 Month IRA
$0
4.60% ▲ 1.57% above Alabama avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 1.57% above avgNationally 2.82%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.60% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Regular Certificate of Deposit - 36 Months
$0
4.60% ▲ 1.57% above Alabama avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 1.57% above avgNationally 2.82%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and paid at maturity.

Rate History
No change since Oct 26, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 26, 2026: 4.60% APYOct 26, 2026Oct 31, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 36 Month
$1,000
4.26% ▲ 1.23% above Alabama avg
View
▼
Rate4.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 1.23% above avgNationally 2.82%
Details

Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly

Rate History
No change since Oct 10, 2026 · 4.26% APY · checked 4 times
3.76%4.26%4.76%Oct 10, 2026: 4.26% APYOct 10, 2026Oct 31, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
36 Month Share Certificate
$500
4.20% ▲ 1.17% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 1.17% above avgNationally 2.82%
Details

Dividends compounded quarterly

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 36 Month
$0
4.17% ▲ 1.14% above Alabama avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 1.14% above avgNationally 2.82%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 23, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 36 Month
$0
4.17% ▲ 1.14% above Alabama avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 1.14% above avgNationally 2.82%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 Year C.D.
$1,000
4.16% ▲ 1.13% above Alabama avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.03%▲ 1.13% above avgNationally 2.82%
Details

Rate History
No change since Sep 11, 2026 · 4.16% APY · checked 5 times
3.66%4.16%4.66%Sep 11, 2026: 4.16% APYSep 11, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15% ▲ 1.12% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.03%▲ 1.12% above avgNationally 2.82%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 36 Months Fixed
$100,000
4.13% ▲ 1.10% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.03%▲ 1.10% above avgNationally 2.82%
Details

Compounding: Dividend Rate Compounding 4.05%, APY Compounding 4.13%

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 18, 2026: 4.02% APYOct 4, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month Jumbo Term Certificate
$100,000
4.13% ▲ 1.10% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 1.10% above avgNationally 2.82%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
1 change since Sep 18, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 18, 2026: 3.87% APYOct 19, 2026: 4.13% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.13%▲ from 3.87%
  • Sep 18, 20263.87%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10% ▲ 1.07% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.03%▲ 1.07% above avgNationally 2.82%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
36 Month Share Certificate
$500
4.07% ▲ 1.04% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 1.04% above avgNationally 2.82%
Details

Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA
$1,000
4.07% ▲ 1.04% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 1.04% above avgNationally 2.82%
Details

Certificates can only be added to at maturity or in the 10-day grace period

Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 19, 2026: 4.07% APYOct 19, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month Term Certificate
$1,000
4.07% ▲ 1.04% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 1.04% above avgNationally 2.82%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
1 change since Sep 18, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 18, 2026: 3.82% APYOct 19, 2026: 4.07% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.07%▲ from 3.82%
  • Sep 18, 20263.82%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 36 Months Fixed
$100,000
4.05% ▲ 1.02% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.03%▲ 1.02% above avgNationally 2.82%
Details

Non-Compounding: Dividend Rate Non-Compounding 4.05%, APY Non-Compounding 4.05%

Rate History
3 changes since Sep 14, 2026 · 3.92% → 4.05% ▲ 0.13 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 18, 2026: 4.02% APYOct 4, 2026: 4.13% APYOct 28, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20264.05%▼ from 4.13%
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 36 Month
$0
4.05% ▲ 1.02% above Alabama avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 1.02% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month IRA Certificates
$0
4.02% ▲ 0.99% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.99% above avgNationally 2.82%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.86% → 4.02% ▲ 0.16 pts · high 4.02% / low 3.86%
3.36%3.94%4.52%Oct 13, 2026: 3.86% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.86%
  • Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 36 Month
$0
4.02% ▲ 0.99% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.99% above avgNationally 2.82%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Certificate of Deposit
$1,000
4.00% ▲ 0.97% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.97% above avgNationally 2.82%
Details

Balance: $1,000 - $9,999; Regular and IRA CD; Dividend rate accurate as of August 5th, 2026

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 36 Months
$0
4.00% ▲ 0.97% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.97% above avgNationally 2.82%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 36 months
$1,000
4.00% ▲ 0.97% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.97% above avgNationally 2.82%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
36 Month IRA Share Certificate
$1,000
4.00% ▲ 0.97% above Alabama avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 0.97% above avgNationally 2.82%
Details

Rate History
2 changes since Sep 14, 2026 · 2.53% → 4.00% ▲ 1.47 pts · high 4.00% / low 2.53%
1.06%3.27%5.47%Sep 14, 2026: 2.53% APYOct 9, 2026: 3.85% APYOct 19, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20264.00%▲ from 3.85%
  • Oct 9, 20263.85%▲ from 2.53%
  • Sep 14, 20262.53%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate 36 Month
$1,000
4.00% ▲ 0.97% above Alabama avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 0.97% above avgNationally 2.82%
Details

Minimum Balance to Earn APY: Any Balance

Rate History
1 change since Oct 13, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Oct 13, 2026: 3.85% APYOct 19, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
  • Oct 19, 20264.00%▲ from 3.85%
  • Oct 13, 20263.85%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
36 Month Business Certificates of Deposit
$500
3.90% ▲ 0.87% above Alabama avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.03%▲ 0.87% above avgNationally 2.82%
Details

Paid: Monthly

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 18, 2026: 3.50% APYOct 2, 2026: 3.90% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20263.90%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 36 Months
$500
3.90% ▲ 0.87% above Alabama avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.03%▲ 0.87% above avgNationally 2.82%
Details

Paid: Monthly; Penalties may be applied for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 18, 2026: 3.50% APYOct 2, 2026: 3.90% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20263.90%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
IRA 36 Month
$500
3.85% ▲ 0.82% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.82% above avgNationally 2.82%
Details

Minimum balance to open account and earn stated APY is $500; early withdrawal penalties apply

Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 23, 2026: 3.85% APYOct 23, 2026Oct 31, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
36 month CD
$1,000
3.82% ▲ 0.79% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Alabama Average3.03%▲ 0.79% above avgNationally 2.82%
Details

APYs as of October 21, 2026

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 9 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
36 Month Traditional and Roth IRA Certificate
$0
3.80% ▲ 0.77% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.03%▲ 0.77% above avgNationally 2.82%
Details

Rate History
No change since Oct 23, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 23, 2026: 3.80% APYOct 23, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 36 Months Fixed
$1,000
3.80% ▲ 0.77% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.03%▲ 0.77% above avgNationally 2.82%
Details

Compounding: Dividend Rate Compounding 3.75%, APY Compounding 3.80%

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 36 Months Fixed
$0
3.80% ▲ 0.77% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.03%▲ 0.77% above avgNationally 2.82%
Details

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 31, 2026
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Year Elite Share Certificate
$10,000
3.80% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.77% above avgNationally 2.82%
Details

$10k minimum

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.70% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Year Share/IRA Certificate
$1,000
3.80% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.77% above avgNationally 2.82%
Details

$1,000 minimum

Rate History
1 change since Sep 21, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 21, 2026: 3.70% APYOct 19, 2026: 3.80% APYSep 21, 2026Oct 31, 2026
  • Oct 19, 20263.80%▲ from 3.70%
  • Sep 21, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 36 Months Fixed
$1,000
3.75% ▲ 0.72% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.03%▲ 0.72% above avgNationally 2.82%
Details

Non-Compounding: Dividend Rate Non-Compounding 3.75%, APY Non-Compounding 3.75%

Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYOct 28, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.75%▼ from 3.80%
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
CD - 3 Years
$0
3.75% ▲ 0.72% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.72% above avgNationally 2.82%
Details

Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 31, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificates Plus
$0
3.75% ▲ 0.72% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.72% above avgNationally 2.82%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificate - 36 Months
$0
3.75% ▲ 0.72% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.72% above avgNationally 2.82%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate

Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 23, 2026: 3.75% APYOct 23, 2026Oct 31, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificate of Deposit - 36 Months
$500
3.75% ▲ 0.72% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.72% above avgNationally 2.82%
Details

Minimum $500 deposit required to open a CD; Available to qualifying members; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 36 Month
$1,000
3.75% ▲ 0.72% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 0.72% above avgNationally 2.82%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 36 month
$1,000
3.75% ▲ 0.72% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 0.72% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 36 Month Certificate
$1,000
3.75% ▲ 0.72% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 0.72% above avgNationally 2.82%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 36 month
$1,000
3.75% ▲ 0.72% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 0.72% above avgNationally 2.82%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 36 Months Fixed
$0
3.70% ▲ 0.67% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.03%▲ 0.67% above avgNationally 2.82%
Details

Compounding: Dividend Rate Compounding 3.65%, APY Compounding 3.70%

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 36 Months Fixed
$0
3.65% ▲ 0.62% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.03%▲ 0.62% above avgNationally 2.82%
Details

Non-Compounding: Dividend Rate Non-Compounding 3.65%, APY Non-Compounding 3.65%

Rate History
3 changes since Sep 14, 2026 · 3.49% → 3.65% ▲ 0.16 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYOct 28, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.65%▼ from 3.70%
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 36 Months
$1,000
3.65% ▲ 0.62% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 0.62% above avgNationally 2.82%
Details

Share and IRA Certificates of Deposit; $1,000.00 minimum on all CDs

Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 19, 2026: 3.65% APYOct 19, 2026Oct 31, 2026
Americas First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA & Share Certificates - 36 Months
$500
3.60% ▲ 0.57% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.57% above avgNationally 2.82%
Details

Flex Rate certificate: rate may be increased once during term at branch; Rates effective as of October 23, 2026

Rate History
No change since Oct 23, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 23, 2026: 3.60% APYOct 23, 2026Oct 31, 2026
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 36 Months
$1,000
3.60% ▲ 0.57% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.03%▲ 0.57% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
36 Month IRA
$500
3.60% ▲ 0.57% above Alabama avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.03%▲ 0.57% above avgNationally 2.82%
Details

Compound Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 10 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026

Dauphin Island 48 Month CD Rates

Alabama 48 Month CD Average2.86% APYNational 2.81%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Regular Certificate of Deposit - 48 Months
$0
4.70% ▲ 1.84% above Alabama avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 1.84% above avgNationally 2.81%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and paid at maturity.

Rate History
No change since Oct 26, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 26, 2026: 4.70% APYOct 26, 2026Oct 31, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 48 Month
$1,000
4.31% ▲ 1.45% above Alabama avg
View
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 1.45% above avgNationally 2.81%
Details

Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly

Rate History
No change since Oct 10, 2026 · 4.31% APY · checked 4 times
3.81%4.31%4.81%Oct 10, 2026: 4.31% APYOct 10, 2026Oct 31, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4 Year C.D.
$1,000
4.22% ▲ 1.36% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average2.86%▲ 1.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 4.22% APY · checked 5 times
3.72%4.22%4.72%Sep 11, 2026: 4.22% APYSep 11, 2026Oct 31, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
48 Month Share Certificate
$500
4.20% ▲ 1.34% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 1.34% above avgNationally 2.81%
Details

Dividends compounded quarterly

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$100,000
4.18% ▲ 1.32% above Alabama avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Compounding: Dividend Rate Compounding 4.10%, APY Compounding 4.18%

Rate History
2 changes since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.07% APYOct 4, 2026: 4.18% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20264.18%▲ from 4.07%
  • Sep 18, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 48 Month
$0
4.17% ▲ 1.31% above Alabama avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 1.31% above avgNationally 2.81%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 23, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 23, 2026: 4.12% APYOct 29, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
  • Oct 29, 20264.17%▲ from 4.12%
  • Oct 23, 20264.12%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 48 Month
$0
4.17% ▲ 1.31% above Alabama avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 1.31% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Jumbo Term Certificate
$100,000
4.13% ▲ 1.27% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 1.27% above avgNationally 2.81%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
1 change since Sep 18, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 18, 2026: 3.92% APYOct 19, 2026: 4.13% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.13%▲ from 3.92%
  • Sep 18, 20263.92%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$100,000
4.10% ▲ 1.24% above Alabama avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average2.86%▲ 1.24% above avgNationally 2.81%
Details

Non-Compounding: Dividend Rate Non-Compounding 4.10%, APY Non-Compounding 4.10%

Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.10% ▲ 0.13 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.07% APYOct 4, 2026: 4.18% APYOct 28, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20264.10%▼ from 4.18%
  • Oct 4, 20264.18%▲ from 4.07%
  • Sep 18, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 48 Month
$0
4.10% ▲ 1.24% above Alabama avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 1.24% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$1,000
4.07% ▲ 1.21% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 1.21% above avgNationally 2.81%
Details

Certificates can only be added to at maturity or in the 10-day grace period

Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 19, 2026: 4.07% APYOct 19, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Term Certificate
$1,000
4.07% ▲ 1.21% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 1.21% above avgNationally 2.81%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
1 change since Sep 18, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 18, 2026: 3.87% APYOct 19, 2026: 4.07% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.07%▲ from 3.87%
  • Sep 18, 20263.87%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
4.02% ▲ 1.16% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 1.16% above avgNationally 2.81%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.81% → 4.02% ▲ 0.21 pts · high 4.02% / low 3.81%
3.31%3.92%4.52%Oct 13, 2026: 3.81% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.81%
  • Oct 13, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 48 Month
$0
4.02% ▲ 1.16% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 1.16% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
48 Month Business Certificates of Deposit
$500
3.85% ▲ 0.99% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Paid: Monthly

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 18, 2026: 3.45% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 48 Months
$500
3.85% ▲ 0.99% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Paid: Monthly; Penalties may be applied for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 18, 2026: 3.45% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Traditional and Roth IRA Certificate
$0
3.85% ▲ 0.99% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 23, 2026: 3.85% APYOct 23, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 48 Months Fixed
$1,000
3.85% ▲ 0.99% above Alabama avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Compounding: Dividend Rate Compounding 3.80%, APY Compounding 3.85%

Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 48 Months Fixed
$0
3.85% ▲ 0.99% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 31, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates Plus
$0
3.85% ▲ 0.99% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 10 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificate - 48 Months
$0
3.85% ▲ 0.99% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate

Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 23, 2026: 3.85% APYOct 23, 2026Oct 31, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificate of Deposit - 48 Months
$500
3.85% ▲ 0.99% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Minimum $500 deposit required to open a CD; Available to qualifying members; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
48 month CD
$1,000
3.82% ▲ 0.96% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Alabama Average2.86%▲ 0.96% above avgNationally 2.81%
Details

APYs as of October 21, 2026

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 9 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 48 Months Fixed
$1,000
3.80% ▲ 0.94% above Alabama avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average2.86%▲ 0.94% above avgNationally 2.81%
Details

Non-Compounding: Dividend Rate Non-Compounding 3.80%, APY Non-Compounding 3.80%

Rate History
3 changes since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYOct 28, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.80%▼ from 3.85%
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
IRA 48 Month
$500
3.80% ▲ 0.94% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.94% above avgNationally 2.81%
Details

Minimum balance to open account and earn stated APY is $500; early withdrawal penalties apply

Rate History
No change since Oct 23, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 23, 2026: 3.80% APYOct 23, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 48 Months Fixed
$0
3.75% ▲ 0.89% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Compounding: Dividend Rate Compounding 3.70%, APY Compounding 3.75%

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.65% APYOct 4, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Americas First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA & Share Certificates - 48 Months
$500
3.75% ▲ 0.89% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Flex Rate certificate: rate may be increased once during term at branch; Rates effective as of October 23, 2026

Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 23, 2026: 3.75% APYOct 23, 2026Oct 31, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
48 Month IRA Share Certificate
$1,000
3.75% ▲ 0.89% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.58% → 3.75% ▲ 1.17 pts · high 3.75% / low 2.58%
1.41%3.17%4.92%Sep 14, 2026: 2.58% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.75%▲ from 2.58%
  • Sep 14, 20262.58%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate 48 Month
$1,000
3.75% ▲ 0.89% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Minimum Balance to Earn APY: Any Balance

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 48 Month
$1,000
3.75% ▲ 0.89% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 48 month
$1,000
3.75% ▲ 0.89% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 48 Month Certificate
$1,000
3.75% ▲ 0.89% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 48 month
$1,000
3.75% ▲ 0.89% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 48 Months Fixed
$0
3.70% ▲ 0.84% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average2.86%▲ 0.84% above avgNationally 2.81%
Details

Non-Compounding: Dividend Rate Non-Compounding 3.70%, APY Non-Compounding 3.70%

Rate History
3 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.65% APYOct 4, 2026: 3.75% APYOct 28, 2026: 3.70% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.70%▼ from 3.75%
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates
$0
3.65% ▲ 0.79% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.79% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificate

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 48 Months
$1,000
3.65% ▲ 0.79% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 0.79% above avgNationally 2.81%
Details

Share and IRA Certificates of Deposit; $1,000.00 minimum on all CDs

Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 19, 2026: 3.65% APYOct 19, 2026Oct 31, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 Month IRA
$500
3.65% ▲ 0.79% above Alabama avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 0.79% above avgNationally 2.81%
Details

Compound Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 10 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Term Share Certificate - 48 Month
$500
3.65% ▲ 0.79% above Alabama avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 0.79% above avgNationally 2.81%
Details

Compound Frequency: Monthly

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 31, 2026
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
CD - 4 Years
$0
3.60% ▲ 0.74% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.74% above avgNationally 2.81%
Details

Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 15, 2026: 3.60% APYOct 15, 2026Oct 31, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Business Share Certificate - 4 Year
$0
3.55% ▲ 0.69% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.69% above avgNationally 2.81%
Details

Interest Compound Period: Quarterly

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 31, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
Share Certificate - 48 Months
$500
3.50% ▲ 0.64% above Alabama avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average2.86%▲ 0.64% above avgNationally 2.81%
Details

$500 minimum; Annual Dividend Rate 3.45%

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 31, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
48 Month Share Certificate
$0
3.50% ▲ 0.64% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average2.86%▲ 0.64% above avgNationally 2.81%
Details

Penalties may apply for early withdrawals

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 31, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificate - 48 months
$0
3.50% ▲ 0.64% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average2.86%▲ 0.64% above avgNationally 2.81%
Details

Penalties may apply for early withdrawals.

Rate History
No change since Oct 23, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 23, 2026: 3.50% APYOct 23, 2026Oct 31, 2026
Legacy Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
48 Month Certificate & IRA
$0
3.50% ▲ 0.64% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.64% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 31, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 48 Month
$0
3.41% ▲ 0.55% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average2.86%▲ 0.55% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
2.91%3.41%3.91%Oct 20, 2026: 3.41% APYOct 20, 2026Oct 31, 2026
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Mo Certificate
$0
3.40% ▲ 0.54% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.54% above avgNationally 2.81%
Details

Penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.40% ▲ 0.40 pts · high 3.40% / low 3.00%
2.50%3.20%3.90%Sep 14, 2026: 3.00% APYOct 5, 2026: 3.40% APYSep 14, 2026Oct 31, 2026
  • Oct 5, 20263.40%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48 Month Jumbo Certificate
$250,000
3.39% ▲ 0.53% above Alabama avg
View
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.53% above avgNationally 2.81%
Details

Effective 10/23/26 - 10/29/26

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 8 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 31, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 48 Month Term
$0
3.35% ▲ 0.49% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average2.86%▲ 0.49% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 31, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
4 Year Super Jumbo Certificate
$0
3.35% ▲ 0.49% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average2.86%▲ 0.49% above avgNationally 2.81%
Details

All Rates as of October 16, 2026

Rate History
1 change since Sep 18, 2026 · 2.94% → 3.35% ▲ 0.41 pts · high 3.35% / low 2.94%
2.44%3.15%3.85%Sep 18, 2026: 2.94% APYOct 26, 2026: 3.35% APYSep 18, 2026Oct 31, 2026
  • Oct 26, 20263.35%▲ from 2.94%
  • Sep 18, 20262.94%first recorded
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
48 Month Certificates of Deposit
$500
3.35% ▲ 0.49% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average2.86%▲ 0.49% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 14, 2026: 3.25% APYOct 30, 2026: 3.35% APYSep 14, 2026Oct 31, 2026
  • Oct 30, 20263.35%▲ from 3.25%
  • Sep 14, 20263.25%first recorded

Dauphin Island 60 Month CD Rates

Alabama 60 Month CD Average3.07% APYNational 2.92%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
60 Month Certificate of Deposit
$0
5.00% ▲ 1.93% above Alabama avg
View
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.07%▲ 1.93% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 5.00% ▲ 1.50 pts · high 5.00% / low 3.50%
2.00%4.25%6.50%Sep 14, 2026: 3.50% APYOct 26, 2026: 5.00% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20265.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
60 Month IRA
$0
5.00% ▲ 1.93% above Alabama avg
View
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.07%▲ 1.93% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 5.00% ▲ 1.50 pts · high 5.00% / low 3.50%
2.00%4.25%6.50%Sep 14, 2026: 3.50% APYOct 26, 2026: 5.00% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20265.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
60 Month Jumbo Share Certificates (CDs)
$1,000
4.95% ▲ 1.88% above Alabama avg
View
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 1.88% above avgNationally 2.92%
Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History
No change since Oct 26, 2026 · 4.95% APY · checked 2 times
4.45%4.95%5.45%Oct 26, 2026: 4.95% APYOct 26, 2026Oct 31, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
60 Month IRA
$0
4.70% ▲ 1.63% above Alabama avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 1.63% above avgNationally 2.92%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.70% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
54 - 60 Month IRA Share Certificates - Jumbo Rate
$0
4.61% ▲ 1.54% above Alabama avg
View
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 1.54% above avgNationally 2.92%
Details

Compound Period: Quarterly; Jumbo Rate - $100,000+ deposit

Rate History
No change since Oct 19, 2026 · 4.61% APY · checked 3 times
4.11%4.61%5.11%Oct 19, 2026: 4.61% APYOct 19, 2026Oct 31, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Jumbo Rate Share Certificate - 54-60 Months
$0
4.61% ▲ 1.54% above Alabama avg
View
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 1.54% above avgNationally 2.92%
Details

$100,000+; Compound Period: Quarterly; Jumbo Rate - $100,000+ Deposit

Rate History
No change since Oct 19, 2026 · 4.61% APY · checked 3 times
4.11%4.61%5.11%Oct 19, 2026: 4.61% APYOct 19, 2026Oct 31, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Executive
$0
4.60% ▲ 1.53% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.92%
Details

Minimum: $100,000; APY based on minimum deposits of at least $500

Rate History
No change since Oct 23, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 23, 2026: 4.60% APYOct 23, 2026Oct 31, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Executive IRA Certificate
$100,000
4.60% ▲ 1.53% above Alabama avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
2.60%4.10%5.60%Sep 14, 2026: 3.60% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.60%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth IRA Certificate
$500
4.60% ▲ 1.53% above Alabama avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Sep 14, 2026: 3.40% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.60%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Premier IRA Certificate
$10,000
4.60% ▲ 1.53% above Alabama avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
2.40%4.05%5.70%Sep 14, 2026: 3.50% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Executive IRA Certificate
$100,000
4.60% ▲ 1.53% above Alabama avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
2.60%4.10%5.60%Sep 14, 2026: 3.60% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.60%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional IRA Certificate
$500
4.60% ▲ 1.53% above Alabama avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Sep 14, 2026: 3.40% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.60%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Premier IRA Certificate
$10,000
4.60% ▲ 1.53% above Alabama avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
2.40%4.05%5.70%Sep 14, 2026: 3.50% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
54 - 60 Month Share Certificate
$2,500
4.50% ▲ 1.43% above Alabama avg
View
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 1.43% above avgNationally 2.92%
Details

Compound Period: Quarterly

Rate History
No change since Oct 10, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Oct 10, 2026: 4.50% APYOct 10, 2026Oct 31, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Share Certificate - 54-60 Months
$500
4.50% ▲ 1.43% above Alabama avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 1.43% above avgNationally 2.92%
Details

Compound Period: Quarterly

Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 31, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 60 Month
$1,000
4.36% ▲ 1.29% above Alabama avg
View
▼
Rate4.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 1.29% above avgNationally 2.92%
Details

Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly

Rate History
No change since Oct 10, 2026 · 4.36% APY · checked 4 times
3.86%4.36%4.86%Oct 10, 2026: 4.36% APYOct 10, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month Jumbo Term Certificate
$100,000
4.33% ▲ 1.26% above Alabama avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 1.26% above avgNationally 2.92%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.33% ▲ 0.05 pts · high 4.33% / low 4.28%
3.78%4.31%4.83%Sep 18, 2026: 4.28% APYOct 19, 2026: 4.33% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.33%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Year C.D.
$1,000
4.32% ▲ 1.25% above Alabama avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.07%▲ 1.25% above avgNationally 2.92%
Details

Rate History
No change since Sep 11, 2026 · 4.32% APY · checked 5 times
3.82%4.32%4.82%Sep 11, 2026: 4.32% APYSep 11, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA
$1,000
4.28% ▲ 1.21% above Alabama avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 1.21% above avgNationally 2.92%
Details

Certificates can only be added to at maturity or in the 10-day grace period

Rate History
No change since Oct 19, 2026 · 4.28% APY · checked 3 times
3.78%4.28%4.78%Oct 19, 2026: 4.28% APYOct 19, 2026Oct 31, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month Term Certificate
$1,000
4.28% ▲ 1.21% above Alabama avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 1.21% above avgNationally 2.92%
Details

Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.

Rate History
1 change since Sep 18, 2026 · 4.23% → 4.28% ▲ 0.05 pts · high 4.28% / low 4.23%
3.73%4.26%4.78%Sep 18, 2026: 4.23% APYOct 19, 2026: 4.28% APYSep 18, 2026Oct 31, 2026
  • Oct 19, 20264.28%▲ from 4.23%
  • Sep 18, 20264.23%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 60 Months Fixed
$100,000
4.23% ▲ 1.16% above Alabama avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.07%▲ 1.16% above avgNationally 2.92%
Details

Compounding: Dividend Rate Compounding 4.15%, APY Compounding 4.23%

Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.23% ▲ 0.21 pts · high 4.23% / low 4.02%
3.52%4.13%4.73%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.13% APYOct 4, 2026: 4.23% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20264.23%▲ from 4.13%
  • Sep 18, 20264.13%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
60 Month Share Certificate
$500
4.20% ▲ 1.13% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 1.13% above avgNationally 2.92%
Details

Dividends compounded quarterly

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 60 Month
$0
4.17% ▲ 1.10% above Alabama avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 1.10% above avgNationally 2.92%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 23, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 23, 2026: 4.12% APYOct 29, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
  • Oct 29, 20264.17%▲ from 4.12%
  • Oct 23, 20264.12%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 60 Month
$0
4.17% ▲ 1.10% above Alabama avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 1.10% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 60 Months Fixed
$100,000
4.15% ▲ 1.08% above Alabama avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.07%▲ 1.08% above avgNationally 2.92%
Details

Non-Compounding: Dividend Rate Non-Compounding 4.15%, APY Non-Compounding 4.15%

Rate History
3 changes since Sep 14, 2026 · 4.02% → 4.15% ▲ 0.13 pts · high 4.23% / low 4.02%
3.52%4.13%4.73%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.13% APYOct 4, 2026: 4.23% APYOct 28, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20264.15%▼ from 4.23%
  • Oct 4, 20264.23%▲ from 4.13%
  • Sep 18, 20264.13%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 60 Month
$0
4.15% ▲ 1.08% above Alabama avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 1.08% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month IRA Certificates
$0
4.02% ▲ 0.95% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 0.95% above avgNationally 2.92%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.84% → 4.02% ▲ 0.18 pts · high 4.02% / low 3.84%
3.34%3.93%4.52%Oct 13, 2026: 3.84% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.84%
  • Oct 13, 20263.84%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 60 Month
$0
4.02% ▲ 0.95% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 0.95% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates Plus
$0
4.01% ▲ 0.94% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 0.94% above avgNationally 2.92%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 10 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 31, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificate - 60 Months
$0
4.01% ▲ 0.94% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 0.94% above avgNationally 2.92%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate

Rate History
No change since Oct 23, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 23, 2026: 4.01% APYOct 23, 2026Oct 31, 2026
Americas First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA & Share Certificates - 60 Months
$500
4.00% ▲ 0.93% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 0.93% above avgNationally 2.92%
Details

Flex Rate certificate: rate may be increased once during term at branch; Rates effective as of October 23, 2026

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
5 Year Elite Share Certificate
$10,000
4.00% ▲ 0.93% above Alabama avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 0.93% above avgNationally 2.92%
Details

$10k minimum

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
5 Year Share/IRA Certificate
$1,000
4.00% ▲ 0.93% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 0.93% above avgNationally 2.92%
Details

$1,000 minimum

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 21, 2026: 3.80% APYOct 19, 2026: 4.00% APYSep 21, 2026Oct 31, 2026
  • Oct 19, 20264.00%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificate of Deposit - 60 Months
$500
3.95% ▲ 0.88% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 0.88% above avgNationally 2.92%
Details

Minimum $500 deposit required to open a CD; Available to qualifying members; Penalty for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYOct 26, 2026: 3.95% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20263.95%▲ from 3.85%
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Traditional and Roth IRA Certificate
$0
3.91% ▲ 0.84% above Alabama avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.07%▲ 0.84% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 23, 2026: 3.91% APYOct 23, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 60 Months Fixed
$1,000
3.91% ▲ 0.84% above Alabama avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.07%▲ 0.84% above avgNationally 2.92%
Details

Compounding: Dividend Rate Compounding 3.85%, APY Compounding 3.91%

Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYOct 4, 2026: 3.91% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 60 Months Fixed
$0
3.91% ▲ 0.84% above Alabama avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.07%▲ 0.84% above avgNationally 2.92%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90% ▲ 0.83% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.07%▲ 0.83% above avgNationally 2.92%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85% ▲ 0.78% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.07%▲ 0.78% above avgNationally 2.92%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
60 Month Business Certificates of Deposit
$500
3.85% ▲ 0.78% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.07%▲ 0.78% above avgNationally 2.92%
Details

Paid: Monthly

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
2.90%3.63%4.35%Sep 18, 2026: 3.40% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20263.85%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 60 Months
$500
3.85% ▲ 0.78% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Alabama Average3.07%▲ 0.78% above avgNationally 2.92%
Details

Paid: Monthly; Penalties may be applied for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
2.90%3.63%4.35%Sep 18, 2026: 3.40% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 31, 2026
  • Oct 2, 20263.85%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 60 Months Fixed
$1,000
3.85% ▲ 0.78% above Alabama avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.07%▲ 0.78% above avgNationally 2.92%
Details

Non-Compounding: Dividend Rate Non-Compounding 3.85%, APY Non-Compounding 3.85%

Rate History
3 changes since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYOct 4, 2026: 3.91% APYOct 28, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.85%▼ from 3.91%
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
60 month CD
$1,000
3.82% ▲ 0.75% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Alabama Average3.07%▲ 0.75% above avgNationally 2.92%
Details

APYs as of October 21, 2026

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 9 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 60 Months Fixed
$0
3.80% ▲ 0.73% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.07%▲ 0.73% above avgNationally 2.92%
Details

Compounding: Dividend Rate Compounding 3.75%, APY Compounding 3.80%

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates
$0
3.80% ▲ 0.73% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 0.73% above avgNationally 2.92%
Details

Quarterly Posted Dividend Certificate

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 60 Months Fixed
$0
3.75% ▲ 0.68% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Alabama Average3.07%▲ 0.68% above avgNationally 2.92%
Details

Non-Compounding: Dividend Rate Non-Compounding 3.75%, APY Non-Compounding 3.75%

Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYOct 28, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.75%▼ from 3.80%
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
IRA 60 Month
$500
3.75% ▲ 0.68% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Alabama Average3.07%▲ 0.68% above avgNationally 2.92%
Details

Minimum balance to open account and earn stated APY is $500; early withdrawal penalties apply

Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 23, 2026: 3.75% APYOct 23, 2026Oct 31, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
60 Month IRA Share Certificate
$1,000
3.75% ▲ 0.68% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 0.68% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 2.48% → 3.75% ▲ 1.27 pts · high 3.75% / low 2.48%
1.21%3.11%5.02%Sep 14, 2026: 2.48% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.75%▲ from 2.48%
  • Sep 14, 20262.48%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate 60 Month
$1,000
3.75% ▲ 0.68% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 0.68% above avgNationally 2.92%
Details

Minimum Balance to Earn APY: Any Balance

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 31, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 60 Month
$1,000
3.75% ▲ 0.68% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Alabama Average3.07%▲ 0.68% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
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.

Top CD Rates from Dauphin Island, Alabama Institutions

Highest verified APYs available today, updated October 31, 2026

B Top 5 Bank Rates
First Jackson Bank
60 Month Certificate of Deposit
A+ 5.0 ★ TX: 1.03%
Min: $0
5.00%
United Bank (AL)
CD Specials - 18 Month
A+ 5.0 ★ TX: 5.81%
Min: $1,000
4.35%
F&M Bank Piedmont, AL
5 Year C.D.
A+ 5.0 ★ TX: 3.75%
Min: $1,000
4.32%
Hancock Whitney Bank
24-Month Certificate of Deposit
A+ 5.0 ★ TX: 3.41%
Min: $0
4.25%
Bank of Hope
18 Month Hope Preferred CD
A+ 5.0 ★ TX: 4.07%
Min: $1,000
4.25%
CU Top 5 Credit Union Rates
Platinum Federal Credit Union
12 Month Family Legacy Certificate Account
A+ 5.0 ★ TX: 1.89%
Min: $0
5.00%
Hope Federal Credit Union Jackson, MS
60 Month Jumbo Share Certificates (CDs)
A 5.0 ★ TX: 7.78%
Min: $1,000
4.95%
Service 1 Federal Credit Union
6 Month Share Certificates
A+ 5.0 ★ TX: 1.56%
Min: $0
4.75%
Federal Employees Credit Union
60 Month IRA
A+ 5.0 ★ TX: 4.81%
Min: $0
4.70%
Auburn University Credit Union
54 - 60 Month IRA Share Certificates - Jumbo Rate
A+ 5.0 ★ TX: 3.49%
Min: $0
4.61%
Rates verified October 31, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Dauphin Island, AL CD Rate Trends

Compare local Dauphin Island, AL 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.

View Full Alabama CD Trends
12-Month CD AL Avg
3.309%
▲ 0.010 vs 7 days ago

Alabama 12-month CD rates rose 0.010 points over the past 7 days to 3.309% APY.

6-Month CD AL Avg
3.116%
▲ 0.044 vs 7 days ago

Alabama 6-month CD rates rose 0.044 points over the past 7 days to 3.116% APY.

As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions

AL CD Rate Forecast, Next 12 Months

Where are Alabama CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

AL 12-Month Avg APY
3.309%
6-Month Forecast
3.309%
Range: 3.11%, 3.46%
12-Month Forecast
3.559%
Range: 3.36%, 3.71%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Alabama average 12-month CD APY in our database.

Spread model: The Alabama 12-month CD average currently trades 1.07% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.810% $90.49 $180.97 $452.43 $904.85
6-Month CD 3.116% $155.82 $311.64 $779.10 $1,558.20
12-Month CD 3.309% $165.45 $330.90 $827.25 $1,654.50
18-Month CD 3.201% $160.06 $320.12 $800.30 $1,600.60
24-Month CD 3.133% $156.63 $313.25 $783.13 $1,566.25
36-Month CD 3.025% $151.26 $302.51 $756.28 $1,512.55
48-Month CD 2.862% $143.09 $286.18 $715.45 $1,430.90
60-Month CD 3.071% $153.55 $307.10 $767.75 $1,535.50
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026.
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Sample CD Ladder for Dauphin Island, 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.

Build Your Ladder
Rung Term Deposit AL Avg APY Annual Earnings
1 3-Month CD $5,000 1.810% $90.49
2 6-Month CD $5,000 3.116% $155.82
3 12-Month CD $5,000 3.309% $165.45
4 24-Month CD $5,000 3.133% $156.63
5 36-Month CD $5,000 3.025% $151.26
Total ($25,000 invested) $25,000 2.879% blended $719.65/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.

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933
CD Rates
Tracked in Dauphin Island, Alabama
23 Banks 78 Credit Unions

About Our Dauphin Island, Alabama CD Rate Database

MonitorBankRates tracks 933 CD rates from 23 banks and 78 credit unions with locations in Dauphin Island, 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 to 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: First Jackson Bank offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Dauphin Island, Alabama.

How to Find the Best CD Rates in Dauphin Island, Alabama

What to compare when shopping for a CD in Dauphin Island, Alabama

To find the best APYs in Dauphin Island, Alabama, start with credit unions and online-only banks: Dauphin Island, Alabama has 78 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 Dauphin Island, 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 Dauphin Island, Alabama: 101 institutions here report CD rates

Consider an Alternative If…

Dauphin Island, Alabama Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
36.8%
National avg: 17.3%
Median Individual Earnings
$59,053
National avg: $47,340
Poverty Rate
6.6%
National avg: 11.1%
Unemployment Rate
14.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$195/yr
At AL 12-mo avg 3.309% APY

36.8% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; an unemployment rate of 14.3% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s AL 12-month CD average of 3.309%, saving 10% of the local median salary ($5,905/year) and putting it in a CD would earn an additional $195 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 Dauphin Island, 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 to 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

CD Product Information

How CDs Work

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Dauphin Island, Alabama typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Dauphin Island, Alabama as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Dauphin Island, Alabama savers easier access to their funds. For example, Service 1 Federal Credit Union is offering its 6 Month Share Certificates at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First Jackson Bank is offering its 60 Month Certificate of Deposit at 5.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Dauphin Island, Alabama saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Dauphin Island, Alabama CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates

Most CDs carry a fixed rate that is locked for the entire term, protecting a Dauphin Island, Alabama depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Dauphin Island, Alabama

What are CD rates in Dauphin Island, Alabama today?

Dauphin Island, Alabama CD rates from banks and credit unions serving Alabama range from 0.01% to 5.00% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 5.00% APY at First Jackson Bank (60 Month Certificate of Deposit), 5.00% at Platinum Federal Credit Union (12 Month Family Legacy Certificate Account) and 4.95% at Hope Federal Credit Union Jackson, MS (60 Month Jumbo Share Certificates (CDs)), compared with the MonitorBankRates national 12 month average of 3.01% APY.

Are CD rates in Dauphin Island, Alabama FDIC insured?

Yes, most established banks in Dauphin Island, 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 Dauphin Island, 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 Dauphin Island, 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 Dauphin Island, 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 Dauphin Island, Alabama?

Here are recent top rates found for this area:
  • First Jackson Bank: 5.00% APY (60 Month Certificate of Deposit)
  • Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
  • Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Jumbo Share Certificates (CDs))
  • Service 1 Federal Credit Union: 4.75% APY (6 Month Share Certificates)
  • Federal Employees Credit Union: 4.70% APY (60 Month IRA)
  • Auburn University Credit Union: 4.61% APY (54 - 60 Month IRA Share Certificates - Jumbo Rate)
  • Honda Federal Credit Union: 4.60% APY (5 Year Executive)
  • Weyco Community Credit Union: 4.49% APY (18 Month Share Certificate)
  • All In Credit Union: 4.39% APY (18 Month Jumbo Term Certificate)
  • Alabama One Credit Union: 4.36% APY (Certificate IRA (Traditional & Roth) - 6 Month)
Rates reflect recent verified offers available in Dauphin Island, Alabama. Last Updated: October 31, 2026

Dauphin Island, Alabama CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Dauphin Island, Alabama rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Dauphin Island, Alabama CD Rates by Term

Verified October 31, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Dauphin Island, Alabama. Averages shown use the Alabama state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Dauphin Island, Alabama

Dauphin Island, 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.

Dauphin Island, Alabama CD Ladder

AL CD rates currently range from 1.810% (3-month) to 3.025% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Dauphin Island, Alabama CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Alabama’s average 12-month CD is 3.309% 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

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Dauphin Island, Alabama CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Dauphin Island, 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 sourcing data 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 Dauphin Island, 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: October 31, 2026

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