CD Rates Florence, Alabama (AL) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Florence, Alabama CD rates include Alabama Central Credit UnionAlabama Central Credit Union1902 Bruin Dr, Florence, AL 35630 6717A+5.0 ★Texas Ratio: 0.75% offering 1 year Share Certificates at 4.35% APY, FirstBank (TN)FirstBank (TN)117 N Court St, Florence, AL 35630A5.0 ★Texas Ratio: 6.39% offering 6 Month CD at 3.80% APY, United Community BankUnited Community Bank230 E Tennessee St, Florence, AL 35630A+5.0 ★Texas Ratio: 3.01% offering 6-month CD at 3.65% APY, Champion Community Credit UnionChampion Community Credit Union2112 Helton Dr, Florence, AL 35630 1432A+5.0 ★Texas Ratio: 4.13% offering CD Special 18 Month at 3.55% APY, and TruistTruist402 Cox Creek Pkwy, Florence, AL 35630A+5.0 ★Texas Ratio: 3.63% offering 12-month CD at 3.25% APY. CD rates as of March 31, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Florence, Alabama, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 31, 2026
Compare Best CD Rates in Florence, Alabama & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1131 Wills Ave, Florence, AL 35630
3 month Certificates of Deposit & IRA
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
301 Broad Street, York, AL 36925
3-Month Certificate of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Consumer Online Banking Only
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
3 Month IRA Jumbo
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
$100,000 Minimum to Earn APY
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Month Share/IRA Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
3 Month Share Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
3 Month Share Certificates
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
3 month Certificate Account
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
304 W Montgomery Rd, Tuskegee, AL 36083 1520
3 Month CD
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
90 Day Certificate Account
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
90 Day CD
$500
0.03%
▼
Rate0.03%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
117 N Court St, Florence, AL 35630
6 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
230 E Tennessee St, Florence, AL 35630
6-month CD
$2,500
3.65%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 31, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1131 Wills Ave, Florence, AL 35630
6 month Certificates of Deposit & IRA
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
6 Month IRA Rate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Certificate IRA (Traditional & Roth) 6 Month
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
Share Certificate 6 month special
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
6 Month IRA Jumbo
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates 6 Month Term
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
6 Month CD
$0
3.68%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
6 Month Bonus Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
6 month CD
$1,000
3.53%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
B4.4 ★Texas Ratio: 21.71%
2 1st St Ne, Lafayette, AL 36862
6 Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Minimum deposit of $500 with a maximum of $1,000,000. The Annual Percentage Yield (APY) of 3.50% is effective and accurate as of December 22, 2025. Early withdrawal penalties may be imposed, and the fee could reduce principal. If the CD is fully or partially redeemed prior to original maturity date, a penalty equivalent to 1 month interest may be applied. Offer may be withdrawn or modified without prior notice. Fees could reduce earnings. See a Customer Service Representative for complete terms and conditions.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
$100,000 Minimum to Earn APY
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
6 Month Certificate
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Compounding
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
6 Month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
6 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
6 Month Jumbo Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$50,000 minimum
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1731 Noble St, Anniston, AL 36201
6-Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
6 Month Share Certificate
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
6 Month Share Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
6 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
6 month Certificate Account
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL 36117
6-Month Share Certificate
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
4301 Iverson Blvd, Trinity, AL 35673
Certificates minimum) 6 Month
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$1,000
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL 36801 6257
6 Month Regular Certificate
$1,000
0.85%
▼
Rate0.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Jumbo IRA Certificates 6 Month
$100,000
0.60%
▼
Rate0.60%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
6 Month Jumbo Share & IRA Certificates
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
304 W Montgomery Rd, Tuskegee, AL 36083 1520
6 Month CD
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
6 Month Certificate
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
6 Month CD
$500
0.03%
▼
Rate0.03%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1902 Bruin Dr, Florence, AL 35630 6717
1 year Share Certificates
$0
4.35%
▼
Rate4.27%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
402 Cox Creek Pkwy, Florence, AL 35630
12-month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1131 Wills Ave, Florence, AL 35630
12 month Certificates of Deposit & IRA
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL 36604 2713
12-month Certificate of Deposit
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$500 min to open
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
12 Month IRA Rate
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
12 Month Bonus Certificates
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
12 Month IRA Jumbo
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Certificate IRA (Traditional & Roth) 12 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
12 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1605 Eastern Blvd, Montgomery, AL 36117
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Limited time offer. Only available in our branches.
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
12 month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates 12 Month Term- Jumbo
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
12-month CD promotion
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
New money deposit only
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
43243 Us Highway 72, Stevenson, AL 35772
12 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL 35096 5105
1 Year Savings Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
4301 Iverson Blvd, Trinity, AL 35673
Certificates minimum) 12 Month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$1,000
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
B4.4 ★Texas Ratio: 21.71%
2 1st St Ne, Lafayette, AL 36862
12 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Minimum deposit of $500 with a maximum of $1,000,000. The Annual Percentage Yield (APY) of 3.35% is effective and accurate as of December 22, 2025. Early withdrawal penalties may be imposed, and the fee could reduce principal. If the CD is fully or partially redeemed prior to original maturity date, a penalty equivalent to 1 month interest may be applied. Offer may be withdrawn or modified without prior notice. Fees could reduce earnings. See a Customer Service Representative for complete terms and conditions.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
12 Month Share Certificate
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
12 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 1 Year
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
12-Month Step-Up CD
$1,000
3.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL 36606
12 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
1 Year Jumbo Share & IRA Certificates
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
12 Month Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Compounding
First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
111 S Main St, Atmore, AL 36502
1 Year CD
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
12 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6470 Spanish Fort Blvd, Spanish Fort, AL 36527
IRA Certificates 12-Month
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
12 month Certificate Account
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL 36117
12-Month Share Certificate
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
12 Month IRA
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL 36801 6257
12 Month Regular Certificate
$1,000
1.51%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
1400 Gault Ave N, Fort Payne, AL 35967
1 Year CD Term
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
12 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1731 Noble St, Anniston, AL 36201
12-Month Certificate
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Jumbo IRA Certificates 12 Month
$100,000
0.90%
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
Share Certificate 12 month
$0
0.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
IRA 12-Month Fixed
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
12 Month Certificate
$500
0.12%
▼
Rate0.12%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
2112 Helton Dr, Florence, AL 35630 1432
CD Special 18 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1131 Wills Ave, Florence, AL 35630
18 month Certificates of Deposit & IRA
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
18 Month IRA Jumbo
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
18 Month Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Certificate IRA (Traditional & Roth) 18 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
$100,000 Minimum to Earn APY
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
18 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
18 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
18-Month Fixed Rate CD
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
18 Month Jumbo Share & IRA Certificates
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
18 Month Share Certificate
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
18-Month Step-Up CD
$1,000
3.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL 36606
18 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
18 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
18-Month IRA CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
18 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
18 month Certificate Account
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
111 S Main St, Atmore, AL 36502
18 Month CD
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
18 Month IRA Certificate
$2,000
2.00%
▼
Rate1.98%
Min Deposit$2,000
Min Balance—
UpdatedMar 31, 2026
Details
First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
1400 Gault Ave N, Fort Payne, AL 35967
18 Month CD Term
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
18 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Jumbo IRA Certificates 18 Month
$100,000
1.00%
▼
Rate0.99%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL 36117
18-Month Share Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
IRA 18-Month Fixed
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1902 Bruin Dr, Florence, AL 35630 6717
2 year Share Certificates
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1131 Wills Ave, Florence, AL 35630
24 month Certificates of Deposit & IRA
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
24 Month IRA Rate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
24 Month IRA Jumbo
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 2 Year
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
Share Certificate 24 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Certificate IRA (Traditional & Roth) 24 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates 24 Month Term- Jumbo
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
24 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
$100,000 Minimum to Earn APY
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
24 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL 35650 1923
24 Month Share Certificate
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
2 Year Share/IRA Certificates
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
24-Month IRA CD
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
24 Month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
24-Month Step-Up CD
$1,000
3.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
24 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
24 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
43243 Us Highway 72, Stevenson, AL 35772
24 Month IRA
$0
2.90%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6470 Spanish Fort Blvd, Spanish Fort, AL 36527
IRA Certificates 24-Month
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
2 Year Super Jumbo Certificate
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$100,000 minimum
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
24 month Certificate Account
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
24 Month Certificate Account
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
3722 US Highway 431 N, Phenix City, AL 36867
First-time Homebuyer Certificate 24-month term
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Eligible for additional deposits throughout the certificate term; Maximum balance of $15,000; Limit one certificate per membership; Closing credit of $500 towards your mortgage closing with Kinetic
First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
111 S Main St, Atmore, AL 36502
2 Year CD
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL 36801 6257
24 Month Regular Certificate
$1,000
1.61%
▼
Rate1.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 2-Year
$1,000
1.50%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
24 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Jumbo IRA Certificates 24 Month
$100,000
1.05%
▼
Rate1.04%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
2 Year Jumbo Share & IRA Certificates
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
IRA 24-Month Fixed
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
24 Month Certificate
$1,000
0.23%
▼
Rate0.23%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1902 Bruin Dr, Florence, AL 35630 6717
3 year Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1131 Wills Ave, Florence, AL 35630
36 month Certificates of Deposit & IRA
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
36 Month IRA Rate
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
36 Month IRA Jumbo
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
Share Certificate 36 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
36 Month Bonus Certificates
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL 35233 1612
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
$100,000 Minimum to Earn APY
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Certificate IRA (Traditional & Roth) 36 Month
$0
3.66%
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates 36 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
36 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 3 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
36 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Year Elite Share Certificates
$10,000
3.35%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 31, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
43243 Us Highway 72, Stevenson, AL 35772
36 Month Certificate of Deposit
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
36 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
36 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6470 Spanish Fort Blvd, Spanish Fort, AL 36527
IRA Certificates 36-Month
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
36-Month IRA CD
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL 35650 1923
36 Month Share Certificate
$1,000
2.79%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
36 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
3 Year Super Jumbo Certificate
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$100,000 minimum
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
36 month Certificate Account
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
36 Month Certificate Account
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
1400 Gault Ave N, Fort Payne, AL 35967
3 Year CD Term
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL 36801 6257
36 Month Regular Certificate
$1,000
1.66%
▼
Rate1.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 3-Year
$1,000
1.50%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
36 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL 36606
36 Month Certificate
$0
1.16%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Jumbo IRA Certificates 36 Month
$100,000
1.15%
▼
Rate1.14%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
3 Year Jumbo Share & IRA Certificates
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
36 Month Certificate
$1,000
0.39%
▼
Rate0.39%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
111 S Main St, Atmore, AL 36502
3 Year CD
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1131 Wills Ave, Florence, AL 35630
48 month Certificates of Deposit & IRA
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
48 Month IRA Jumbo
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
48 Month IRA Rate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
48 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
Share Certificate 48 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Certificate IRA (Traditional & Roth) 48 Month
$0
3.66%
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates 48 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 4 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
$100,000 Minimum to Earn APY
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
48 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6470 Spanish Fort Blvd, Spanish Fort, AL 36527
IRA Certificates 48-Month
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
48 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
48-Month Step-Up CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
48-Month IRA CD
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
4 Year Super Jumbo Certificate
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$100,000 minimum
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL 35650 1923
48 Month Share Certificate
$1,000
2.79%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
48 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
48 Month Certificate Account
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
1400 Gault Ave N, Fort Payne, AL 35967
4 Year CD Term
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Jumbo IRA Certificates 48 Month
$100,000
1.30%
▼
Rate1.29%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL 36606
48 Month Certificate
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
48 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
4 Year Jumbo Share & IRA Certificates
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 4-Year
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
48 Month Certificate
$1,000
0.46%
▼
Rate0.46%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
111 S Main St, Atmore, AL 36502
4 Year CD
$1,000
0.45%
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1902 Bruin Dr, Florence, AL 35630 6717
5 year Share Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1131 Wills Ave, Florence, AL 35630
60 month Certificates of Deposit & IRA
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
60 Month IRA Jumbo
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL 35233 1612
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
60 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
60 Month IRA Rate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Certificate IRA (Traditional & Roth) 60 Month
$0
3.61%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 5 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
60 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
5 year Elite Share Certificates
$10,000
3.40%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 31, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
60 Month CD
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6470 Spanish Fort Blvd, Spanish Fort, AL 36527
IRA Certificates 60-Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL 35210 1512
60 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
60-Month IRA CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
60-Month Step-Up CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
5 Year Super Jumbo Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$100,000 minimum
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
60 month Certificate Account
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
60 Month Share Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL 35650 1923
60 Month Share Certificate
$1,000
2.79%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
60 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
60 Month Certificate Account
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
1400 Gault Ave N, Fort Payne, AL 35967
5 Year CD Term
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Jumbo IRA Certificates 60 Month
$100,000
1.55%
▼
Rate1.54%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL 36606
60 Month Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
5 Year Jumbo Share & IRA Certificates
$0
1.45%
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1700 3rd Ave N, Birmingham, AL 35203
60 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 5-Year
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
111 S Main St, Atmore, AL 36502
5 Year CD
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
60 Month Certificate
$1,000
0.49%
▼
Rate0.49%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
304 W Montgomery Rd, Tuskegee, AL 36083 1520
12 - 60 Month CD
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Florence, AL CD Rate Trends
Compare local Florence, AL CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — AL Avg
3.087%
▼ 0.712 from last week
Alabama 12-month CD rates fell 0.712 points this week to 3.087% APY, down from 3.798% last week.
6-Month CD — AL Avg
3.021%
▼ 0.785 from last week
Alabama 6-month CD rates fell 0.785 points this week to 3.021% APY, down from 3.806% last week.
As of Mar 31, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Florence, Alabama
Are CD rates in Florence, Alabama FDIC insured?
Yes, most established banks in Florence, 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 Florence, 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 Florence, 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 Florence, 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 Florence, Alabama?
Here are recent top rates found for this area:
- Alabama Central Credit Union: 4.35% APY (1 year Share Certificates)
- FirstBank (TN): 3.80% APY (6 Month CD)
- United Community Bank: 3.65% APY (6-month CD)
- Champion Community Credit Union: 3.55% APY (CD Special 18 Month)
- Truist: 3.25% APY (12-month CD)
- PeoplesTrust Bank: 0.40% APY (60 month Certificates of Deposit & IRA)
- Northeast Alabama Postal FCU: 4.10% APY (6 Month IRA Rate)
- Gulf Coast Federal Credit Union: 4.07% APY (12-month Certificate of Deposit)
- Alabama One Credit Union: 3.96% APY (Certificate IRA (Traditional & Roth) 6 Month)
- Winsouth Credit Union: 3.95% APY (Share Certificate 6 month special)
Rates reflect recent verified offers available in Florence, Alabama. Last Updated: March 31, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Florence, Alabama directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Florence, 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: March 31, 2026
