Hoover, Alabama CD Rates Today - Compare Best APYs for May 2026
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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 Hoover, Alabama CD rates include Garden Island Federal Credit UnionGarden Island Federal Credit Union22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879A+5.0 ★Texas Ratio: 2.39%Real return: +1.05%APY minus CPI (February 2026) offering Loyalty Share Certificates 6 Month at 3.85% APY, FirstBank (TN)FirstBank (TN)1021 Brocks Gap Pkwy, Hoover, AL 35244A5.0 ★Texas Ratio: 6.39%Real return: +1.00%APY minus CPI (February 2026) offering 6-Month CD at 3.80% APY, AlaTrust Credit UnionAlaTrust Credit Union1810 Merchants Dr, Hoover, AL 35244 1005A5.0 ★Texas Ratio: 7.33%Real return: +0.95%APY minus CPI (February 2026) offering 1 Year CD at 3.75% APY, Electrical Federal Credit UnionElectrical Federal Credit Union22 Inverness Center Pkwy, Hoover, AL 35242 4814A+5.0 ★Texas Ratio: 1.71%Real return: +0.92%APY minus CPI (February 2026) offering Share & IRA Certificates 6 Month Term at 3.72% APY, and Mutual Savings Credit Union Hoover, ALMutual Savings Credit Union Hoover, AL2040 Valleydale Rd, Hoover, AL 35244 2006A+5.0 ★Texas Ratio: 0.63%Real return: +0.85%APY minus CPI (February 2026) offering 6 Month Share/IRA Certificates (CDs) at 3.65% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Hoover has 144 local institutions in our database, with CD rates as high as 3.85% APY from Garden Island Federal Credit Union at 22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Alabama area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in Hoover, Alabama & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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—
UpdatedMay 10, 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 (CDs)
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
90 Days CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Paid At Maturity
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1600 Montgomery Hwy, Hoover, AL 35216
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1600 Montgomery Hwy, Hoover, AL 35216
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1600 Montgomery Hwy, Hoover, AL 35216
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2765 John Hawkins Pkwy, Hoover, AL 35244
Regular CD 90 Days
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Eva Liquid CD - Renews every 3 months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Certificate of Deposit
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 3 Months
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Month Share Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
3 Month Share Certificates
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 months Share Certificates
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
3 Months Certificate of Deposit
$0
0.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Individual Retirement Account (IRA) 3 months
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
90 Day Certificate Account
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Jumbo Share Certificates 90 Day
$100,000
0.20%
▼
Rate0.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Personal Certificates of Deposit 90 Days
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
90 Days Certificate Account
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 month Certificates of Deposit & IRA
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 6 Month
$10,000
3.85%
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1021 Brocks Gap Pkwy, Hoover, AL 35244
6-Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
6-Months Certificate
$1,000
3.72%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 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—
UpdatedMay 6, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
6 Month Share/IRA Certificates
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
6 Month Share/IRA Certificates (CDs)
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
6 Month Share Certificates
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Paid Quarterly
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
Share Certificate 6 Months CD Special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 6 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
6 Month Certificate
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Compounding
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
6 Month Certificate
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Non-Compounding
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
6 Months Share Certificates
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
early withdrawal penalty rate is 30 days interest at prevailing rate
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2765 John Hawkins Pkwy, Hoover, AL 35244
Regular CD 180 Days
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1600 Montgomery Hwy, Hoover, AL 35216
6 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1600 Montgomery Hwy, Hoover, AL 35216
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1600 Montgomery Hwy, Hoover, AL 35216
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months Share Certificates - 1
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 6 months - FEATURED RATE
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
180 Days Certificate Account
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 6 months - FEATURED RATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 month special Share Certificate
$1,000
3.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA Certificates 6 month special
$1,000
3.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Share and IRA Certificates of Deposit 6 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Share Certificates (CD's) 6 Months
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
6 Months Regular & IRA Certificates
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share & IRA Certificates 6 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Certificates of Deposit 6 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Business Certificates of Deposit 6 Months*
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$500 Minimum
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 6 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
6 Months Certificate of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months - FEATURED RATE Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
180 Days* Share Certificates / IRA Certificates
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
up to
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
6-Month Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Share Certificate, IRA Certificate 6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
6 Months
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 6 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6 Months Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Individual Retirement Account (IRA) 6 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6 Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
6 Month Special Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
B4.4 ★Texas Ratio: 21.71%
6 Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 1 Year
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
1 Year CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Paid Quarterly
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 12 Month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
12-Months Certificate
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 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
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
1 year Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
1 year Certificates of Deposit and IRAs
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
1 year IRA Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
1 year IRA Certificates of Deposit and IRAs
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
1 Year Elite Share Certificates
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
1 Year Share/IRA Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
1 Year Share/IRA Certificates (CDs)
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
12 Months Share Certificates
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
early withdrawal penalty rate is 30 days interest at prevailing rate
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
12 Month Share Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
Business Certificate of Deposits (CD)1 12 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
5261 Ross Bridge Pkwy, Hoover, AL 35226
IRA Certificates-Trad., Roth, Edu. 12 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
12-Month Save-Up CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
12-Month Step-Up CD
$1,000
3.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 1-Year
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
Share Certificate 1-Year
$2,500
3.00%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
Share Certificate 12 Months CD Special
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
12 Month Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Compounding
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
12 Month Certificate
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Non-Compounding
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1600 Montgomery Hwy, Hoover, AL 35216
1 year Standard Fixed Rate Relationship
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1600 Montgomery Hwy, Hoover, AL 35216
1 year Standard Fixed Rate
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1600 Montgomery Hwy, Hoover, AL 35216
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3437 Lorna Rd, Hoover, AL 35216
Certificate of Deposit 1 Year
$500
1.25%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2765 John Hawkins Pkwy, Hoover, AL 35244
Regular CD 12 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
12 months Share Certificates - 1
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Months Certificate Account
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
12-month Certificate of Deposit
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$500 min to open
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
12 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 12 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1 year Share Certificates
$1,000,000
3.90%
▼
Rate3.83%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12 Months Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Limited time offer. Only available in our branches.
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1 year Share Certificates
$245,000
3.80%
▼
Rate3.73%
Min Deposit$245,000
Min Balance—
UpdatedMay 10, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA Certificates 12 month special
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Share and IRA Certificates of Deposit 12 Months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Share Certificate, IRA Certificate 12 Months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
12 month special Share Certificate
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
12-Month Share Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Share Certificates (CD's) 12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4725 Chace Cir, Hoover, AL 35244 3700
Certificates of Deposit (CDs) 18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
Business Certificate of Deposits (CD)1 18 Months
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
18 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Paid Quarterly
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 18 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
18-Month Step-Up CD
$1,000
3.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 18 Month
$10,000
3.09%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
18 month Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
18 month Certificates of Deposit and IRAs
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
18 month IRA Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
18 month IRA Certificates of Deposit and IRAs
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
18-Month IRA CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
18 Month Share Certificates
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
18 Month Certificate
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Compounding
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
18 Month Certificate
$0
2.65%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Non-Compounding
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
18-Month Rate Mover CD
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
18 months Share Certificates
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
18 Month Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Share and IRA Certificates of Deposit 18 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Share Certificates (CD's) 18 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share & IRA Certificates 18 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Business Certificates of Deposit 18 Months*
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$500 Minimum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Certificates of Deposit 18 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
Certificates of Deposit Regular 18 Months
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
18 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
CD Special 18 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 18 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates 18 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month Term Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month Share CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
18 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 18 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
18 Months* Share Certificates / IRA Certificates
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
18 months Certificates of Deposit
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
18 Months Regular & IRA Certificates
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18 Month Share Certificate
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 18 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Individual Retirement Account (IRA) 18 months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 months Share Certificates - 1
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 18 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
18-Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
18-Month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificate 18 Months Fixed
$0
2.98%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Traditional IRAs and Roth IRA Certificates 18 Months Fixed
$0
2.98%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
Business Certificate of Deposits (CD)1 24 Months
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4725 Chace Cir, Hoover, AL 35244 3700
Certificates of Deposit (CDs) 24 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 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—
UpdatedMay 10, 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 (CDs)
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
24-Month IRA CD
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
24-Month Step-Up CD
$1,000
3.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
2 year Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
2 year Certificates of Deposit and IRAs
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
2 year IRA Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
2 year IRA Certificates of Deposit and IRAs
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
2 Year CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Paid Quarterly
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 2 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 24 Month
$10,000
2.83%
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
24 Month Certificate
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Compounding
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
24 Month Certificate
$0
2.70%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Non-Compounding
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
24 Months Share Certificates
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
early withdrawal penalty rate is 60 days interest at prevailing rate
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
24 Month Share Certificates
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 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—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
Share Certificate 2-Year
$2,500
1.50%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3437 Lorna Rd, Hoover, AL 35216
Certificate of Deposit 2 Years
$500
1.35%
▼
Rate1.35%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2765 John Hawkins Pkwy, Hoover, AL 35244
Regular CD 24 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Months Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificates 2 Year
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
24 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA Certificates 24 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
2 Year Share Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
24 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Share and IRA Certificates of Deposit 24 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
Certificates of Deposit Regular 24 Months
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
24 Month IRA
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
2 year Share Certificates
$1,000,000
3.60%
▼
Rate3.54%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 10, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Share Certificate, IRA Certificate 24 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Business Certificates of Deposit 24 Months*
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$500 Minimum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Certificates of Deposit 24 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share & IRA Certificates 24 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
24 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
2 year Share Certificates
$245,000
3.50%
▼
Rate3.44%
Min Deposit$245,000
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 24 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Month Term Share Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
24 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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—
UpdatedMay 6, 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 Share/IRA Certificates (CDs)
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 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—
UpdatedMay 10, 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 Share/IRA Certificates
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
Business Certificate of Deposits (CD)1 36 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
3 year Certificate of Deposit
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
3 year Certificates of Deposit and IRAs
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
3 year IRA Certificate of Deposit
$0
3.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
3 year IRA Certificates of Deposit and IRAs
$0
3.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 3 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
36-Month Step-Up CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
3 Year CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Paid Quarterly
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4725 Chace Cir, Hoover, AL 35244 3700
Certificates of Deposit (CDs) 36 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 36 Month
$10,000
2.93%
▼
Rate2.90%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
36-Month IRA CD
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
36 Month Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Compounding
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
36 Month Certificate
$0
2.80%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Non-Compounding
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
36 Month Share Certificates
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedMay 10, 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—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
Share Certificate 3-Year
$2,500
1.50%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3437 Lorna Rd, Hoover, AL 35216
Certificate of Deposit 3 Years
$500
1.40%
▼
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2765 John Hawkins Pkwy, Hoover, AL 35244
Regular CD 36 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
36 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
36 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA Certificates 36 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
Certificates of Deposit Regular 36 Months
$500
3.70%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month Share CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month Term Share Certificate
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Share and IRA Certificates of Deposit 36 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3 year Share Certificates
$1,000,000
3.55%
▼
Rate3.49%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 10, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificates 3 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Share Certificate, IRA Certificate 36 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 36 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Business Certificates of Deposit 36 Months*
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$500 Minimum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Certificates of Deposit 36 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3 year Share Certificates
$245,000
3.45%
▼
Rate3.40%
Min Deposit$245,000
Min Balance—
UpdatedMay 10, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Share Certificates (CD's) 36 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3 year Share Certificates
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share & IRA Certificates 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
36 Months Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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—
UpdatedMay 6, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4725 Chace Cir, Hoover, AL 35244 3700
Certificates of Deposit (CDs) 48 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
4 year Certificate of Deposit
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
4 year Certificates of Deposit and IRAs
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
4 year IRA Certificate of Deposit
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
4 year IRA Certificates of Deposit and IRAs
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
Business Certificate of Deposits (CD)1 48 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 48 Month
$10,000
3.09%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
48-Month Step-Up CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 4 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
4 Year CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Paid Quarterly
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
48-Month IRA CD
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
48 Month Share Certificates
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3437 Lorna Rd, Hoover, AL 35216
Certificate of Deposit 4 Years
$500
1.50%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 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—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
Share Certificate 4-Year
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
48-Month Rate Mover CD
$1,000
1.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2765 John Hawkins Pkwy, Hoover, AL 35244
Regular CD 48 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
Certificates of Deposit Regular 48 Months
$500
3.80%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA Certificates 48 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
48 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Share and IRA Certificates of Deposit 48 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month Term Share Certificate
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month Share CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificates 4 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Share Certificate, IRA Certificate 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 48 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Business Certificates of Deposit 48 Months*
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$500 Minimum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Certificates of Deposit 48 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share & IRA Certificates 48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
48 Months Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates 48 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Individual Retirement Account (IRA) 48 months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 months Share Certificates - 1
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 48 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
48 months Certificates of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Member's Choice Share Certificate 48 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificate 48 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Traditional IRAs and Roth IRA Certificates 48 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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—
UpdatedMay 10, 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 Share/IRA Certificates (CDs)
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 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 Share/IRA Certificates
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
5 year Certificate of Deposit
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
5 year Certificates of Deposit and IRAs
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
5 year IRA Certificate of Deposit
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3746 Lorna Rd, HOOVER, AL 35216
5 year IRA Certificates of Deposit and IRAs
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 5 Year
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
Business Certificate of Deposits (CD)1 60 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
5 Year CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Paid Quarterly
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4725 Chace Cir, Hoover, AL 35244 3700
Certificates of Deposit (CDs) 60 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 60 Month
$10,000
3.19%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
60-Month IRA CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Hoover, AL 35244 2008
60-Month Step-Up CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
60 Month Share Certificates
$500
2.93%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
5261 Ross Bridge Pkwy, Hoover, AL 35226
IRA Certificates-Trad., Roth, Edu. 60 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3437 Lorna Rd, Hoover, AL 35216
Certificate of Deposit 5 Years
$500
1.75%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedMay 5, 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—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
Share Certificate 5-Year
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2765 John Hawkins Pkwy, Hoover, AL 35244
Regular CD 60 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA Certificates 60 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
60 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month Share CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month Term Share Certificate
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Share and IRA Certificates of Deposit 60 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
5 Year Executive
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
5 Year Executive Roth
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
5 Year Executive IRA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificates 5 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Roth IRA Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 months Share Certificates - 1
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Individual Retirement Account (IRA) 60 months
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Share Certificate, IRA Certificate 60 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
60 months Certificates of Deposit
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Hoover, Alabama at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Hoover depositors is 3.85% APY from Garden Island Federal Credit Union. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Hoover, AL CD Rate Trends
Compare local Hoover, 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.
12-Month CD — AL Avg
2.739%
▼ 0.108 vs 7 days ago
Alabama 12-month CD rates fell 0.108 points over the past 7 days to 2.739% APY.
6-Month CD — AL Avg
2.320%
▼ 0.212 vs 7 days ago
Alabama 6-month CD rates fell 0.212 points over the past 7 days to 2.320% APY.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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AL CD Rate Forecast — Next 12 Months
Where are Alabama CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AL 12-Month Avg APY
2.739%
6-Month Forecast
2.739%
Range: 2.54% – 2.89%
12-Month Forecast
2.489%
Range: 2.29% – 2.64%
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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 | 1.244% | $62.19 | $124.37 | $310.93 | $621.85 |
| 6-Month CD | 2.320% | $116.01 | $232.01 | $580.03 | $1,160.05 |
| 12-Month CD | 2.739% | $136.93 | $273.86 | $684.65 | $1,369.30 |
| 18-Month CD | 2.872% | $143.62 | $287.24 | $718.10 | $1,436.20 |
| 24-Month CD | 2.961% | $148.03 | $296.06 | $740.15 | $1,480.30 |
| 36-Month CD | 2.873% | $143.65 | $287.30 | $718.25 | $1,436.50 |
| 48-Month CD | 2.831% | $141.54 | $283.08 | $707.70 | $1,415.40 |
| 60-Month CD | 3.009% | $150.46 | $300.91 | $752.28 | $1,504.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Hoover, Alabama Savers
$25,000 split equally across 5 terms using today’s Alabama average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | AL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.244% | $62.19 |
| 2 | 6-Month CD | $5,000 | 2.320% | $116.01 |
| 3 | 12-Month CD | $5,000 | 2.739% | $136.93 |
| 4 | 24-Month CD | $5,000 | 2.961% | $148.03 |
| 5 | 36-Month CD | $5,000 | 2.873% | $143.65 |
| Total ($25,000 invested) | $25,000 | 2.427% blended | $606.81/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.
529
CD Rates
Tracked in Hoover, Alabama
Tracked in Hoover, Alabama
15 Banks
51 Credit Unions
About Our Hoover, Alabama CD Rate Database
MonitorBankRates tracks 529 CD rates from 15 banks and 51 credit unions with locations in Hoover, Alabama, plus national online institutions available to Alabama residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Garden Island Federal Credit Union offers a CD at 3.85% APY with a minimum deposit of $10,000. Use the rate table above to compare all current offers in Hoover, Alabama.
How to Find the Best CD Rates in Hoover, Alabama
What to compare when shopping for a CD in Hoover, Alabama
To find the best APYs in Hoover, Alabama, start with credit unions and online-only banks — Hoover, Alabama has 51 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 Hoover, 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 Hoover, Alabama — 66 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Hoover, Alabama savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Hoover, Alabama money market rates
Hoover, Alabama Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
16.6%
National avg: 17.3%
Median Individual Earnings
$57,471
National avg: $47,340
Poverty Rate
5.1%
National avg: 11.1%
Unemployment Rate
3.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$157/yr
At AL 12-mo avg 2.739% APY
16.6% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy. At today’s AL 12-month CD average of 2.739%, saving 10% of the local median salary ($5,747/year) and putting it in a CD would earn an additional $157 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 Hoover, Alabama
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Hoover, Alabama
Are CD rates in Hoover, Alabama FDIC insured?
Yes, most established banks in Hoover, 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 Hoover, 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 Hoover, 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 Hoover, 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 Hoover, Alabama?
Here are recent top rates found for this area:
- Garden Island Federal Credit Union: 3.85% APY (Loyalty Share Certificates 6 Month)
- FirstBank (TN): 3.80% APY (6-Month CD)
- AlaTrust Credit Union: 3.75% APY (1 Year CD)
- Electrical Federal Credit Union: 3.72% APY (Share & IRA Certificates 6 Month Term)
- Mutual Savings Credit Union Hoover, AL: 3.65% APY (6 Month Share/IRA Certificates (CDs))
- eCO Credit Union: 3.55% APY (1 year IRA Certificates of Deposit and IRAs)
- Hotel And Travel Industry Federal Credit Union: 3.50% APY (Share Certificate 6 Months CD Special)
- Southern Energy Credit Union: 3.50% APY (Certificates of Deposit (CDs) 18 Months)
- North Alabama Educators Credit Union: 3.44% APY (6 Month Certificate)
- Avadian Credit Union: 3.35% APY (Business Certificate of Deposits (CD)1 24 Months)
Rates reflect recent verified offers available in Hoover, Alabama. Last Updated: May 12, 2026
CD Calculators for Hoover, Alabama
Hoover, Alabama CD Calculator
At today’s AL top rate of 3.85% APY, a $10,000 deposit earns $385 in the first year. Enter your amount to see your exact return.
Hoover, Alabama CD LadderAL CD rates currently range from 1.244% (3-month) to 2.873% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hoover, Alabama CD at 3.85% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsAlabama’s average 12-month CD is 2.739% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Hoover, 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 Hoover, 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: May 12, 2026
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