Mckenzie, Alabama Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Mckenzie, Alabama CD rates from banks and credit unions serving Alabama range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 19, 2026. Current Mckenzie, Alabama CD rates include Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.89%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 5.00% APY, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 7.78%Real return: +2.15%APY minus CPI (February 2026) offering Jumbo Share Certificate 60-Month at 4.95% APY, Service 1 Federal Credit UnionService 1 Federal Credit UnionA+5.0 ★Texas Ratio: 1.56%Real return: +1.95%APY minus CPI (February 2026) offering 6 Month Share Certificates - 1 at 4.75% APY, Federal Employees Credit UnionFederal Employees Credit UnionA+5.0 ★Texas Ratio: 4.81%Real return: +1.90%APY minus CPI (February 2026) offering 60 Month IRA at 4.70% APY, and Auburn University Credit UnionAuburn University Credit UnionA+5.0 ★Texas Ratio: 3.49%Real return: +1.81%APY minus CPI (February 2026) offering 54 - 60 Month IRA Share Certificates - Jumbo Rate at 4.61% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.
Mckenzie is a smaller community with no bank or credit union branches currently in our database. 737 institutions serving the Alabama area are available to Mckenzie residents, with CD rates as high as 5.00% APY from Platinum Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 19, 2026
Compare Best CD Rates in Mckenzie, Alabama & the Surrounding Area
Mckenzie 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Jumbo Rate Share Certificate - 90 Days
$0
4.51%
▲ 2.63% above Alabama avg
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▲ 2.63% above avgNationally 2.12%
Details
$100,000+; Compound Period: Maturity; Jumbo Rate - $100,000+ Deposit
Rate History
No change since Oct 19, 2026 · 4.51% APY
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
90 Day Share Certificate
$2,500
4.41%
▲ 2.53% above Alabama avg
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▲ 2.53% above avgNationally 2.12%
Details
Compound Period: Maturity
Rate History
No change since Oct 10, 2026 · 4.41% APY · checked 2 times
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
CD - 90 Days Special
$0
4.15%
▲ 2.27% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average1.88%▲ 2.27% above avgNationally 2.12%
Details
Special term; APY is annual percentage yield; Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Jumbo Term Certificate
$100,000
3.71%
▲ 1.83% above Alabama avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▲ 1.83% above avgNationally 2.12%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66%
▲ 1.78% above Alabama avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▲ 1.78% above avgNationally 2.12%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 3.66% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Term Certificate
$1,000
3.66%
▲ 1.78% above Alabama avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▲ 1.78% above avgNationally 2.12%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 2 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55%
▲ 1.67% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▲ 1.67% above avgNationally 2.12%
Details
Balance: $500 or more; Account matures in 3 months; Fund with as much as $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Month Share/IRA Certificate
$1,000
3.30%
▲ 1.42% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▲ 1.42% above avgNationally 2.12%
Details
$1,000 minimum; Early withdrawal penalties apply for share certificates
Rate History
No change since Sep 21, 2026 · 3.30% APY · checked 3 times
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Three-Month CD
$1,000
2.85%
▲ 0.97% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▲ 0.97% above avgNationally 2.12%
Details
Interest Paid: At Maturity
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 3 times
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Share Certificates - 3 Month
$0
2.52%
▲ 0.64% above Alabama avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▲ 0.64% above avgNationally 2.12%
Details
Interest compounded quarterly
Rate History
No change since Oct 13, 2026 · 2.52% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates Plus
$0
2.47%
▲ 0.59% above Alabama avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average1.88%▲ 0.59% above avgNationally 2.12%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 8 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 3 Months
$0
2.47%
▲ 0.59% above Alabama avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average1.88%▲ 0.59% above avgNationally 2.12%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 2.47% APY
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificate
$0
2.27%
▲ 0.39% above Alabama avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average1.88%▲ 0.39% above avgNationally 2.12%
Details
Quarterly Posted Dividend Certificate
Rate History
No change since Oct 5, 2026 · 2.27% APY · checked 3 times
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Certificate Account - 3 Month
$0
2.10%
▲ 0.22% above Alabama avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▲ 0.22% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.10% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit 3 Month
$500
2.00%
▲ 0.12% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▲ 0.12% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3 Month Certificate of Deposit - Standard Rate
$1,000
2.00%
▲ 0.12% above Alabama avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▲ 0.12% above avgNationally 2.12%
Details
Standard Rate; Compounds at maturity; Minimum deposit of $1,000.00 to open; Offer valid until 11.02.2026
Rate History
No change since Oct 14, 2026 · 2.00% APY
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Certificate of Deposit - 3 Months
$1,000
2.00%
▲ 0.12% above Alabama avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▲ 0.12% above avgNationally 2.12%
Details
Standard Rate; Compounds at maturity; Automatic renewals at Standard Rate
Rate History
No change since Oct 14, 2026 · 2.00% APY
Jefferson Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
3 Month Prosperity Certificate of Deposit
$5,000
2.00%
▲ 0.12% above Alabama avg
▼
Rate1.98%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▲ 0.12% above avgNationally 2.12%
Details
Dividend payment frequency: Monthly; Dividends on Prosperity Certificates of Deposit cap at $999,999.99
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.33% below Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▼ 0.33% below avgNationally 2.12%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.38% below Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▼ 0.38% below avgNationally 2.12%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
Share Certificates - 3 months
$500
1.00%
▼ 0.88% below Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▼ 0.88% below avgNationally 2.12%
Details
Annual Percentage Yield; Deposit $500.00 minimum to start a great investment plan
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Certificates of Deposit - 3 Months
$0
0.75%
▼ 1.13% below Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▼ 1.13% below avgNationally 2.12%
Details
Rate History
No change since Oct 9, 2026 · 0.75% APY · checked 3 times
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3 Month Standard CD
$500
0.55%
▼ 1.33% below Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▼ 1.33% below avgNationally 2.12%
Details
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 8 times
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Certificate of Deposit - 3 month
$1,000
0.51%
▼ 1.37% below Alabama avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▼ 1.37% below avgNationally 2.12%
Details
Certificates of Deposit and IRAs table; APR* .50%, APY* .51%; rates accurate as of February 23, 2026
Rate History
No change since Oct 13, 2026 · 0.51% APY · checked 2 times
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
90 Day C.D.
$1,000
0.50%
▼ 1.38% below Alabama avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average1.88%▼ 1.38% below avgNationally 2.12%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
IRA Certificate - 3 months
$500
0.30%
▼ 1.58% below Alabama avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▼ 1.58% below avgNationally 2.12%
Details
Effective September 24, 2026; Traditional, Roth, and Education IRA Certificate accounts
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 2 times
Tuskegee Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 54.93%
3 Month CD
$0
0.25%
▼ 1.63% below Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average1.88%▼ 1.63% below avgNationally 2.12%
Details
Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 3 times
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Certificate Account - 90 Day
$500
0.20%
▼ 1.68% below Alabama avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▼ 1.68% below avgNationally 2.12%
Details
Dividend Frequency: At Maturity; Early withdrawal penalty is equal to 90 days of dividends
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 7 times
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Jumbo Share Certificate - 90 Day
$100,000
0.20%
▼ 1.68% below Alabama avg
▼
Rate0.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▼ 1.68% below avgNationally 2.12%
Details
Dividend Frequency: At Maturity
Rate History
No change since Oct 10, 2026 · 0.20% APY · checked 3 times
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Standard Certificate - 3 Month
$0
0.15%
▼ 1.73% below Alabama avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average1.88%▼ 1.73% below avgNationally 2.12%
Details
Monthly & Quarterly Certificates; Consumer, IRA, & Business
Rate History
No change since Oct 13, 2026 · 0.15% APY · checked 2 times
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Personal Certificates of Deposit - 90 Days
$1,000
0.10%
▼ 1.78% below Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▼ 1.78% below avgNationally 2.12%
Details
Interest Credited: Maturity
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 7 times
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
90 Day Certificate Account
$0
0.10%
▼ 1.78% below Alabama avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average1.88%▼ 1.78% below avgNationally 2.12%
Details
Early Withdrawal Penalty: 3 Months Dividend
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.82% below Alabama avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▼ 1.82% below avgNationally 2.12%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.83% below Alabama avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▼ 1.83% below avgNationally 2.12%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3 Month CD
$1,000
0.05%
▼ 1.83% below Alabama avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average1.88%▼ 1.83% below avgNationally 2.12%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03%
▼ 1.85% below Alabama avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▼ 1.85% below avgNationally 2.12%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day Jumbo CD
$100,000
0.03%
▼ 1.85% below Alabama avg
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average1.88%▼ 1.85% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 8 times
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Regular Certificates Of Deposit - 90 Day CD
$500
0.03%
▼ 1.85% below Alabama avg
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average1.88%▼ 1.85% below avgNationally 2.12%
Details
Rate History
No change since Oct 15, 2026 · 0.03% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.02%
▼ 1.86% below Alabama avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▼ 1.86% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.01%
▼ 1.87% below Alabama avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average1.88%▼ 1.87% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Mckenzie 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Share Certificates - 1
$0
4.75%
▲ 1.66% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 1.66% above avgNationally 2.79%
Details
FEATURED RATE
Rate History
No change since Oct 15, 2026 · 4.75% APY
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.75%
▲ 1.66% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 1.66% above avgNationally 2.79%
Details
FEATURED RATE
Rate History
No change since Sep 30, 2026 · 4.75% APY · checked 6 times
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Jumbo Rate Share Certificate - 180 Days
$0
4.56%
▲ 1.47% above Alabama avg
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 1.47% above avgNationally 2.79%
Details
$100,000+; Compound Period: Maturity; Jumbo Rate - $100,000+ Deposit
Rate History
No change since Oct 19, 2026 · 4.56% APY
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
180 Day Share Certificate
$2,500
4.46%
▲ 1.37% above Alabama avg
▼
Rate4.46%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 1.37% above avgNationally 2.79%
Details
Compound Period: Maturity
Rate History
No change since Oct 10, 2026 · 4.46% APY · checked 2 times
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 6 Month
$1,000
4.36%
▲ 1.27% above Alabama avg
▼
Rate4.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 1.27% above avgNationally 2.79%
Details
Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly
Rate History
No change since Oct 10, 2026 · 4.36% APY · checked 2 times
The Citizens Bank Enterprise, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
6-Month CD Special
$25,000
4.20%
▲ 1.11% above Alabama avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.09%▲ 1.11% above avgNationally 2.79%
Details
Limited-time special offer; requires a new account with at least $25,000 minimum deposit and new money; withdrawals reduce earnings and an early withdrawal penalty applies
Rate History
No change since Sep 19, 2026 · 4.20% APY · checked 8 times
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 6 Month
$0
4.15%
▲ 1.06% above Alabama avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 1.06% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month Jumbo Term Certificate
$100,000
4.12%
▲ 1.03% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 1.03% above avgNationally 2.79%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.12% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA
$1,000
4.07%
▲ 0.98% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.98% above avgNationally 2.79%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.07% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month Term Certificate
$1,000
4.07%
▲ 0.98% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.98% above avgNationally 2.79%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 2 times
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
6 month CD
$1,000
4.04%
▲ 0.95% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.09%▲ 0.95% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 7 times
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
6 Month Share Certificate
$500
4.02%
▲ 0.93% above Alabama avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.93% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 4.02% APY · checked 2 times
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
CD Specials - 6 Month
$1,000
4.00%
▲ 0.91% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.09%▲ 0.91% above avgNationally 2.79%
Details
Interest rate established the date of deposit and calculated by the daily balance method; Available with savings periods of either six or thirteen months
Rate History
No change since Oct 14, 2026 · 4.00% APY
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.00%
▲ 0.91% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.91% above avgNationally 2.79%
Details
Featured rate; APY includes .25% Club Benefit Earned payment; Club Benefit Earned payments discontinue at age 18
Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 4 times
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
180 Day Certificate Account
$0
4.00%
▲ 0.91% above Alabama avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.91% above avgNationally 2.79%
Details
Early Withdrawal Penalty: 3 Months Dividend
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 6 Months
$0
4.00%
▲ 0.91% above Alabama avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.91% above avgNationally 2.79%
Details
Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 9, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Certificates of Deposit - 6 Months
$0
4.00%
▲ 0.91% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.91% above avgNationally 2.79%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
180 Day Share Certificate
$500
4.00%
▲ 0.91% above Alabama avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.91% above avgNationally 2.79%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 6 Month Special
$1,000
4.00%
▲ 0.91% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.91% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 6 month special
$1,000
4.00%
▲ 0.91% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.91% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 6 Month Special Certificate
$1,000
4.00%
▲ 0.91% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.91% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 6 month special
$1,000
4.00%
▲ 0.91% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.91% above avgNationally 2.79%
Details
Special rate
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 6 Month Term
$0
3.98%
▲ 0.89% above Alabama avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.89% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
- Oct 12, 20263.98%▲ from 3.77%
- Sep 14, 20263.77%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
6 Month Jumbo Certificate
$0
3.97%
▲ 0.88% above Alabama avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.88% above avgNationally 2.79%
Details
Non-compounding dividend rate: 3.90%; Non-compounding APY: 3.90%
Rate History
No change since Oct 15, 2026 · 3.97% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 6 Months Fixed
$100,000
3.97%
▲ 0.88% above Alabama avg
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.88% above avgNationally 2.79%
Details
Non-compounding dividend rate 3.90%; non-compounding APY 3.90%
Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
- Oct 4, 20263.97%▲ from 3.87%
- Sep 18, 20263.87%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificate 6 Months
$1,000
3.90%
▲ 0.81% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.81% above avgNationally 2.79%
Details
Share Certificates (CD's); Penalty for Early Withdrawal applies
Rate History
No change since Oct 19, 2026 · 3.90% APY
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 6 Month
$10,000
3.85%
▲ 0.76% above Alabama avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.76% above avgNationally 2.79%
Details
Available to members of at least fifteen (15) years of membership
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
Red Oak Credit Union
Institution Rating:
B3.8 ★Texas Ratio: 4.34%
Regular & IRA Certificates - 6 Months
$0
3.85%
▲ 0.76% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.76% above avgNationally 2.79%
Details
Nominal Rate 3.80%; APY 3.85%; Min Balance N/A
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate 6 Month
$1,000
3.82%
▲ 0.73% above Alabama avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.73% above avgNationally 2.79%
Details
Minimum Balance to Earn APY: Any Balance
Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 3 times
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month Certificate
$0
3.81%
▲ 0.72% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.72% above avgNationally 2.79%
Details
A penalty may apply for early withdrawal of funds
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 10 times
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
6 Month CD
$0
3.81%
▲ 0.72% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.72% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 8 times
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
6 Month Business Certificates of Deposit
$500
3.80%
▲ 0.71% above Alabama avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.09%▲ 0.71% above avgNationally 2.79%
Details
Paid: Monthly
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
- Oct 2, 20263.80%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 6 Months
$500
3.80%
▲ 0.71% above Alabama avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.09%▲ 0.71% above avgNationally 2.79%
Details
Paid: Monthly; Penalties may be applied for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
- Oct 2, 20263.80%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Local Bank Red Level, AL
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6 Month Certificate of Deposit
$0
3.80%
▲ 0.71% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.09%▲ 0.71% above avgNationally 2.79%
Details
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Certificate - 6 Months
$0
3.80%
▲ 0.71% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.71% above avgNationally 2.79%
Details
Minimum balance to open a Certificate is $500; Dividends compounded and paid quarterly; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 6 Months
$0
3.76%
▲ 0.67% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.67% above avgNationally 2.79%
Details
Limited time offer; Dividends computed on average daily balances of $500 or more; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 3 times
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
6 Month CD
$500
3.75%
▲ 0.66% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.09%▲ 0.66% above avgNationally 2.79%
Details
CD Special; Minimum deposit of $500 with a maximum of $1,000,000; APY effective and accurate as of October 2, 2026; early withdrawal penalty equivalent to 1 month interest may apply
Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 7, 20263.75%▲ from 3.50%
- Sep 8, 20263.50%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Share Certificates
$0
3.75%
▲ 0.66% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.66% above avgNationally 2.79%
Details
Featured rate; Penalties may apply for early withdrawals
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 4 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 6 months
$0
3.75%
▲ 0.66% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.66% above avgNationally 2.79%
Details
FEATURED RATE; Penalties may apply for early withdrawals
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 4 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Month Share Certificate Special
$0
3.75%
▲ 0.66% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.66% above avgNationally 2.79%
Details
6 Months CD Special at 3.75% APY
Rate History
1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.75%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Months CD Special
$0
3.75%
▲ 0.66% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.66% above avgNationally 2.79%
Details
Special promotional CD rate
Rate History
1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.75%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6-Month Share Certificate
$5,000
3.75%
▲ 0.66% above Alabama avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.66% above avgNationally 2.79%
Details
Requires a minimum deposit of $5,000 (new or existing funds)
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 4 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
6 Month Jumbo Share Certificates
$100,000
3.70%
▲ 0.61% above Alabama avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.61% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month CD
$0
3.68%
▲ 0.59% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.09%▲ 0.59% above avgNationally 2.79%
Details
Rate History
No change since Oct 7, 2026 · 3.68% APY · checked 2 times
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Certificate of Deposit - 6 Months
$500
3.68%
▲ 0.59% above Alabama avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.09%▲ 0.59% above avgNationally 2.79%
Details
Rate History
No change since Oct 7, 2026 · 3.68% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 6 Month
$0
3.66%
▲ 0.57% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.57% above avgNationally 2.79%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
- Oct 13, 20263.66%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
6 Month Share Certificate
$500
3.65%
▲ 0.56% above Alabama avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.09%▲ 0.56% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 7 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
6 Month Share Certificate
$0
3.65%
▲ 0.56% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.56% above avgNationally 2.79%
Details
Non-compounding dividend rate: 3.60%; Non-compounding APY: 3.60%
Rate History
No change since Oct 15, 2026 · 3.65% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 6 Months Fixed
$1,000
3.65%
▲ 0.56% above Alabama avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.09%▲ 0.56% above avgNationally 2.79%
Details
Non-compounding dividend rate 3.60%; non-compounding APY 3.60%
Rate History
2 changes since Sep 14, 2026 · 3.44% → 3.65% ▲ 0.21 pts · high 3.65% / low 3.44%
- Oct 4, 20263.65%▲ from 3.55%
- Sep 18, 20263.55%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Month Business Share Certificate/CD
$0
3.65%
▲ 0.56% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.09%▲ 0.56% above avgNationally 2.79%
Details
Balance: $1,000 - $9,999; Dividend rate accurate as of August 5th, 2026
Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 3 times
Mckenzie 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Family Legacy Certificate Account
$0
5.00%
▲ 1.68% above Alabama avg
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 1.68% above avgNationally 3.01%
Details
Family Legacy Certificate Account for a beneficiary of a deceased member; must be opened within two years of the date of death; eligibility subject to verification; 12-month fixed term from account opening; one renewal at rate in effect at maturity, rate not guaranteed to match original; Dividend Rate accurate as of July 24th, 2026
Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
- Sep 17, 20265.00%▲ from 4.91%
- Sep 14, 20264.91%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Jumbo Share Certificate 12-Month
$95,000
4.53%
▲ 1.21% above Alabama avg
▼
Rate4.43%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 1.21% above avgNationally 3.01%
Details
Jumbo rate; Standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.53% ▲ 0.46 pts · high 4.53% / low 4.07%
- Oct 9, 20264.53%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Share Certificates - 1
$0
4.50%
▲ 1.18% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 1.18% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 3 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Youth Certificates
$0
4.50%
▲ 1.18% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 1.18% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.03% above Alabama avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.32%▲ 1.03% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 12 Month
$1,000
4.31%
▲ 0.99% above Alabama avg
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.99% above avgNationally 3.01%
Details
Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly
Rate History
No change since Oct 10, 2026 · 4.31% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month Jumbo Term Certificate
$100,000
4.23%
▲ 0.91% above Alabama avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.91% above avgNationally 3.01%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.23% APY · checked 2 times
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12 Month IRA
$0
4.20%
▲ 0.88% above Alabama avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.88% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 9, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 12 Months
$0
4.20%
▲ 0.88% above Alabama avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.88% above avgNationally 3.01%
Details
Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 9, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
12 Month Share Certificate
$500
4.18%
▲ 0.86% above Alabama avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.86% above avgNationally 3.01%
Details
Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA
$1,000
4.18%
▲ 0.86% above Alabama avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.86% above avgNationally 3.01%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.18% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month Term Certificate
$1,000
4.18%
▲ 0.86% above Alabama avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.86% above avgNationally 3.01%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.18% APY · checked 2 times
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
IRA Certificate - 12 months
$500
4.16%
▲ 0.84% above Alabama avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.84% above avgNationally 3.01%
Details
Effective September 24, 2026; Traditional, Roth, and Education IRA Certificate accounts
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.16% ▲ 0.41 pts · high 4.16% / low 3.75%
- Oct 19, 20264.16%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit - 12 Months
$0
4.16%
▲ 0.84% above Alabama avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.84% above avgNationally 3.01%
Details
Balance tier: $500.00 Minimum; APR and APY columns as printed
Rate History
No change since Oct 13, 2026 · 4.16% APY · checked 2 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Jumbo Certificate
$250,000
4.16%
▲ 0.84% above Alabama avg
▼
Rate4.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.84% above avgNationally 3.01%
Details
Effective 10/16/26 - 10/22/26
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.16% / low 3.80%
- Sep 29, 20264.16%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
12 Month Jumbo Certificate
$0
4.13%
▲ 0.81% above Alabama avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.81% above avgNationally 3.01%
Details
Non-compounding dividend rate: 4.05%; Non-compounding APY: 4.05%
Rate History
No change since Oct 15, 2026 · 4.13% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 12 Months Fixed
$100,000
4.13%
▲ 0.81% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.81% above avgNationally 3.01%
Details
Non-compounding dividend rate 4.05%; non-compounding APY 4.05%
Rate History
3 changes since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
- Oct 4, 20264.13%▲ from 4.02%
- Sep 25, 20264.02%▲ from 3.92%
- Sep 18, 20263.92%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.78% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.32%▲ 0.78% above avgNationally 3.01%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Local Bank Red Level, AL
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
12 Month Certificate of Deposit
$0
4.10%
▲ 0.78% above Alabama avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.32%▲ 0.78% above avgNationally 3.01%
Details
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 12 Month
$0
4.10%
▲ 0.78% above Alabama avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.78% above avgNationally 3.01%
Details
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
12 Month Share Certificate
$500
4.10%
▲ 0.78% above Alabama avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.78% above avgNationally 3.01%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 5 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 12 Month Special
$1,000
4.10%
▲ 0.78% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.78% above avgNationally 3.01%
Details
Rate History
No change since Oct 19, 2026 · 4.10% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 12 month special
$1,000
4.10%
▲ 0.78% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.78% above avgNationally 3.01%
Details
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 12 Month Special Certificate
$1,000
4.10%
▲ 0.78% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.78% above avgNationally 3.01%
Details
Rate History
No change since Oct 19, 2026 · 4.10% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 12 month special
$1,000
4.10%
▲ 0.78% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.78% above avgNationally 3.01%
Details
Special rate
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
12 month certificate
$0
4.08%
▲ 0.76% above Alabama avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.76% above avgNationally 3.01%
Details
Best rate; Compounded: Daily; Nominal: 4.00%
Rate History
No change since Oct 10, 2026 · 4.08% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 12 Month
$0
4.07%
▲ 0.75% above Alabama avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.75% above avgNationally 3.01%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
- Oct 15, 20264.07%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.07%
▲ 0.75% above Alabama avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.75% above avgNationally 3.01%
Details
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
3 changes since Sep 14, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
- Oct 15, 20264.07%▲ from 4.02%
- Oct 5, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.95%
- Sep 14, 20263.95%first recorded
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Certificate - 12 Months
$0
4.06%
▲ 0.74% above Alabama avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.74% above avgNationally 3.01%
Details
Minimum balance to open a Certificate is $500; Dividends compounded and paid quarterly; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Roth IRA Certificate
$500
4.06%
▲ 0.74% above Alabama avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.74% above avgNationally 3.01%
Details
Effective 10/16/26 - 10/22/26
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
- Sep 29, 20264.06%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Standard Certificate
$500
4.06%
▲ 0.74% above Alabama avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.74% above avgNationally 3.01%
Details
Effective 10/16/26 - 10/22/26
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
- Sep 29, 20264.06%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.73% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.32%▲ 0.73% above avgNationally 3.01%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.68% above Alabama avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.32%▲ 0.68% above avgNationally 3.01%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
12 month CD
$1,000
4.00%
▲ 0.68% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.32%▲ 0.68% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
CD - 1 Year
$0
4.00%
▲ 0.68% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.68% above avgNationally 3.01%
Details
APY is annual percentage yield; Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month Certificate
$0
4.00%
▲ 0.68% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.68% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month IRA Certificate
$500
4.00%
▲ 0.68% above Alabama avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.68% above avgNationally 3.01%
Details
Effective 10/16/26 - 10/22/26
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 29, 20264.00%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificate 12 Months
$1,000
4.00%
▲ 0.68% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.68% above avgNationally 3.01%
Details
Share Certificates (CD's); Penalty for Early Withdrawal applies
Rate History
No change since Oct 19, 2026 · 4.00% APY
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
12 Month Business Certificates of Deposit
$500
3.95%
▲ 0.63% above Alabama avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.32%▲ 0.63% above avgNationally 3.01%
Details
Paid: Monthly
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
- Oct 2, 20263.95%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 12 Months
$500
3.95%
▲ 0.63% above Alabama avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.32%▲ 0.63% above avgNationally 3.01%
Details
Paid: Monthly; Penalties may be applied for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
- Oct 2, 20263.95%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 12 Month
$0
3.91%
▲ 0.59% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.59% above avgNationally 3.01%
Details
Rate History
1 change since Oct 13, 2026 · 3.86% → 3.91% ▲ 0.05 pts · high 3.91% / low 3.86%
- Oct 15, 20263.91%▲ from 3.86%
- Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - YOUth Boost 12-Month
$0
3.91%
▲ 0.59% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.59% above avgNationally 3.01%
Details
Rate History
1 change since Oct 13, 2026 · 3.86% → 3.91% ▲ 0.05 pts · high 3.91% / low 3.86%
- Oct 15, 20263.91%▲ from 3.86%
- Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 12 Month
$0
3.91%
▲ 0.59% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.59% above avgNationally 3.01%
Details
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Rate History
1 change since Oct 5, 2026 · 3.86% → 3.91% ▲ 0.05 pts · high 3.91% / low 3.86%
- Oct 15, 20263.91%▲ from 3.86%
- Oct 5, 20263.86%first recorded
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1 Year Share Certificates
$0
3.90%
▲ 0.58% above Alabama avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.32%▲ 0.58% above avgNationally 3.01%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 12 Month Term- Jumbo
$0
3.87%
▲ 0.55% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.55% above avgNationally 3.01%
Details
Jumbo
Rate History
1 change since Sep 14, 2026 · 3.77% → 3.87% ▲ 0.10 pts · high 3.87% / low 3.77%
- Oct 12, 20263.87%▲ from 3.77%
- Sep 14, 20263.77%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
12 Month Share Certificates Plus
$0
3.85%
▲ 0.53% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.53% above avgNationally 3.01%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 15, 20263.85%▲ from 3.55%
- Sep 14, 20263.55%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 12 Months
$0
3.85%
▲ 0.53% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.53% above avgNationally 3.01%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 3.85% APY
Gulf Coast Federal Credit Union
Institution Rating:
C+3.8 ★Texas Ratio: 17.15%
12-month Certificate of Deposit
$500
3.82%
▲ 0.50% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.32%▲ 0.50% above avgNationally 3.01%
Details
Up to 3.82% APY
Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 7 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
12 Month Share Certificate
$500
3.80%
▲ 0.48% above Alabama avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.32%▲ 0.48% above avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 7 times
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 Year C.D.
$1,000
3.80%
▲ 0.48% above Alabama avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.32%▲ 0.48% above avgNationally 3.01%
Details
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
Mckenzie 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
18 Month Share Certificate
$500
4.49%
▲ 1.30% above Alabama avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 1.30% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Jumbo Term Certificate
$100,000
4.39%
▲ 1.20% above Alabama avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 1.20% above avgNationally 2.88%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.39% ▲ 0.11 pts · high 4.39% / low 4.28%
- Oct 19, 20264.39%▲ from 4.28%
- Sep 18, 20264.28%first recorded
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
CD Specials - 18 Month
$1,000
4.35%
▲ 1.16% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.16% above avgNationally 2.88%
Details
Interest rate established the date of deposit and calculated by the daily balance method
Rate History
No change since Oct 14, 2026 · 4.35% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$1,000
4.33%
▲ 1.14% above Alabama avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 1.14% above avgNationally 2.88%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.33% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Term Certificate
$1,000
4.33%
▲ 1.14% above Alabama avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 1.14% above avgNationally 2.88%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 4.23% → 4.33% ▲ 0.10 pts · high 4.33% / low 4.23%
- Oct 19, 20264.33%▲ from 4.23%
- Sep 18, 20264.23%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 18 Months
$0
4.30%
▲ 1.11% above Alabama avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 1.11% above avgNationally 2.88%
Details
Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 9, 20264.30%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 18 Month
$1,000
4.26%
▲ 1.07% above Alabama avg
▼
Rate4.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 1.07% above avgNationally 2.88%
Details
Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly
Rate History
No change since Oct 10, 2026 · 4.26% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.96% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.96% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.91% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.91% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
4.10%
▲ 0.91% above Alabama avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.91% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
- Oct 5, 20264.10%▲ from 3.75%
- Sep 14, 20263.75%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
18 month CD
$1,000
4.08%
▲ 0.89% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.89% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
CD Special 18 Month
$0
4.06%
▲ 0.87% above Alabama avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.87% above avgNationally 2.88%
Details
Includes IRA, Roth & Education IRA Certificates; Minimum balance is $1000
Rate History
1 change since Oct 13, 2026 · 3.55% → 4.06% ▲ 0.51 pts · high 4.06% / low 3.55%
- Oct 19, 20264.06%▲ from 3.55%
- Oct 13, 20263.55%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
18 Month Business Certificates of Deposit
$500
4.05%
▲ 0.86% above Alabama avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.86% above avgNationally 2.88%
Details
Paid: Monthly
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
- Oct 2, 20264.05%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 18 Months
$500
4.05%
▲ 0.86% above Alabama avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.86% above avgNationally 2.88%
Details
Paid: Monthly; Penalties may be applied for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
- Oct 2, 20264.05%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 18 Month
$0
4.05%
▲ 0.86% above Alabama avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.86% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month C.D.
$1,000
4.01%
▲ 0.82% above Alabama avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.19%▲ 0.82% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.01% APY · checked 5 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit (CDs) - 18 Months
$500
3.95%
▲ 0.76% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.76% above avgNationally 2.88%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month Jumbo Certificate
$0
3.92%
▲ 0.73% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.73% above avgNationally 2.88%
Details
Non-compounding dividend rate: 3.85%; Non-compounding APY: 3.85%
Rate History
No change since Oct 15, 2026 · 3.92% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 18 Months Fixed
$100,000
3.92%
▲ 0.73% above Alabama avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.73% above avgNationally 2.88%
Details
Non-compounding dividend rate 3.85%; non-compounding APY 3.85%
Rate History
2 changes since Sep 14, 2026 · 3.71% → 3.92% ▲ 0.21 pts · high 3.92% / low 3.71%
- Oct 4, 20263.92%▲ from 3.82%
- Sep 18, 20263.82%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit - 18 Months
$0
3.80%
▲ 0.61% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details
Balance tier: $500.00 Minimum; APR and APY columns as printed
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Share Certificates - 18 Month
$0
3.80%
▲ 0.61% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details
Interest compounded quarterly
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificate 18 Months
$1,000
3.80%
▲ 0.61% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details
Share Certificates (CD's); Penalty for Early Withdrawal applies
Rate History
No change since Oct 19, 2026 · 3.80% APY
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month Certificate of Deposit
$0
3.75%
▲ 0.56% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 18 Months
$1,000
3.75%
▲ 0.56% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details
Share and IRA Certificates of Deposit; $1,000.00 minimum on all CDs
Rate History
No change since Oct 19, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.51% above Alabama avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.51% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 18 Months
$0
3.66%
▲ 0.47% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.47% above avgNationally 2.88%
Details
Limited time offer; Dividends computed on average daily balances of $500 or more; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 3 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month Share Certificate
$0
3.60%
▲ 0.41% above Alabama avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.41% above avgNationally 2.88%
Details
Non-compounding dividend rate: 3.55%; Non-compounding APY: 3.55%
Rate History
No change since Oct 15, 2026 · 3.60% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month Traditional IRA and Roth IRA Certificate
$0
3.60%
▲ 0.41% above Alabama avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.41% above avgNationally 2.88%
Details
Rate History
No change since Oct 15, 2026 · 3.60% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 18 Months Fixed
$1,000
3.60%
▲ 0.41% above Alabama avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.41% above avgNationally 2.88%
Details
Non-compounding dividend rate 3.55%; non-compounding APY 3.55%
Rate History
2 changes since Sep 14, 2026 · 3.39% → 3.60% ▲ 0.21 pts · high 3.60% / low 3.39%
- Oct 4, 20263.60%▲ from 3.49%
- Sep 18, 20263.49%▲ from 3.39%
- Sep 14, 20263.39%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional IRA and Roth IRA Certificates - 18 Months Fixed
$0
3.60%
▲ 0.41% above Alabama avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.41% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 3.39% → 3.60% ▲ 0.21 pts · high 3.60% / low 3.39%
- Oct 4, 20263.60%▲ from 3.49%
- Sep 18, 20263.49%▲ from 3.39%
- Sep 14, 20263.39%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates Plus
$0
3.60%
▲ 0.41% above Alabama avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.41% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44%
- Oct 15, 20263.60%▲ from 3.44%
- Sep 14, 20263.44%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 18 Months
$0
3.60%
▲ 0.41% above Alabama avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.41% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 3.60% APY
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Jumbo Certificate
$250,000
3.55%
▲ 0.36% above Alabama avg
▼
Rate3.50%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.36% above avgNationally 2.88%
Details
Effective 10/16/26 - 10/22/26
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Term Share Certificate
$50,000
3.51%
▲ 0.32% above Alabama avg
▼
Rate3.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.32% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 18, 2026 · 3.51% → 3.51% ▼ 0.00 pts · high 3.51% / low 3.46%
- Oct 9, 20263.51%▲ from 3.46%
- Oct 5, 20263.46%▼ from 3.51%
- Sep 18, 20263.51%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
18 Month Share Certificates
$0
3.50%
▲ 0.31% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.31% above avgNationally 2.88%
Details
Penalties may apply for early withdrawals
Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 4 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 18 months
$0
3.50%
▲ 0.31% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.31% above avgNationally 2.88%
Details
Penalties may apply for early withdrawals
Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 4 times
Legacy Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
18 Month Certificate & IRA
$0
3.50%
▲ 0.31% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.31% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Legacy Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
Certificate & IRA 18 Months
$0
3.50%
▲ 0.31% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.31% above avgNationally 2.88%
Details
Rate History
No change since Oct 15, 2026 · 3.50% APY
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Term Share Certificate
$0
3.46%
▲ 0.27% above Alabama avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.27% above avgNationally 2.88%
Details
Minimum $1,000.00 tier; Dividend Rate 3.40%; penalties for early withdrawal apply
Rate History
No change since Oct 15, 2026 · 3.46% APY
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month IRA Certificate
$500
3.44%
▲ 0.25% above Alabama avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.25% above avgNationally 2.88%
Details
Effective 10/16/26 - 10/22/26
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Standard Certificate
$500
3.44%
▲ 0.25% above Alabama avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.25% above avgNationally 2.88%
Details
Effective 10/16/26 - 10/22/26
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 Month IRA
$500
3.40%
▲ 0.21% above Alabama avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.21% above avgNationally 2.88%
Details
Compound Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Term Share Certificate - 18 Month
$500
3.40%
▲ 0.21% above Alabama avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.21% above avgNationally 2.88%
Details
Compound Frequency: Monthly
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificate
$0
3.39%
▲ 0.20% above Alabama avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.20% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificate
Rate History
1 change since Oct 5, 2026 · 3.24% → 3.39% ▲ 0.15 pts · high 3.39% / low 3.24%
- Oct 15, 20263.39%▲ from 3.24%
- Oct 5, 20263.24%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
18 Month Share Certificate
$500
3.35%
▲ 0.16% above Alabama avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.16% above avgNationally 2.88%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificates of Deposit - 18 months
$500
3.30%
▲ 0.11% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
18 Month CD
$0
3.30%
▲ 0.11% above Alabama avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
Red Oak Credit Union
Institution Rating:
B3.8 ★Texas Ratio: 4.34%
Regular & IRA Certificates - 18 Months
$0
3.29%
▲ 0.10% above Alabama avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.10% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 3 times
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
18 month certificate
$0
3.25%
▲ 0.06% above Alabama avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.19%▲ 0.06% above avgNationally 2.88%
Details
Compounded: Daily; Nominal: 3.20%
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
18 Month Jumbo Share & IRA Certificates
$0
3.25%
▲ 0.06% above Alabama avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.19%▲ 0.06% above avgNationally 2.88%
Details
Jumbo certificate; early withdrawal penalties may apply; IRS early withdrawal penalties may apply on IRA withdrawals
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
Mckenzie 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Jumbo Share Certificate 24-Month
$95,000
4.82%
▲ 1.68% above Alabama avg
▼
Rate4.71%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 1.68% above avgNationally 2.90%
Details
Jumbo rate; Standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 4.28% → 4.82% ▲ 0.54 pts · high 4.82% / low 4.28%
- Oct 9, 20264.82%▲ from 4.28%
- Sep 14, 20264.28%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
24 Month Share Certificate
$500
4.49%
▲ 1.35% above Alabama avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 1.35% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 2 times
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Month IRA
$0
4.40%
▲ 1.26% above Alabama avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 1.26% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 9, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 24 Months
$0
4.40%
▲ 1.26% above Alabama avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 1.26% above avgNationally 2.90%
Details
Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 9, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24-Month Certificate of Deposit
$0
4.25%
▲ 1.11% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.11% above avgNationally 2.90%
Details
Guaranteed rate of return on a Certificate of Deposit
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
24 Month IRA Share Certificate
$1,000
4.25%
▲ 1.11% above Alabama avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 1.11% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 14, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53%
- Oct 19, 20264.25%▲ from 3.75%
- Oct 9, 20263.75%▲ from 2.53%
- Sep 14, 20262.53%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate 24 Month
$1,000
4.25%
▲ 1.11% above Alabama avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 1.11% above avgNationally 2.90%
Details
Minimum Balance to Earn APY: Any Balance
Rate History
1 change since Oct 13, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 19, 20264.25%▲ from 3.75%
- Oct 13, 20263.75%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 24 Month
$1,000
4.20%
▲ 1.06% above Alabama avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 1.06% above avgNationally 2.90%
Details
Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly
Rate History
No change since Oct 10, 2026 · 4.20% APY · checked 2 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
24 Month Share Certificate
$500
4.20%
▲ 1.06% above Alabama avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 1.06% above avgNationally 2.90%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month Jumbo Term Certificate
$100,000
4.13%
▲ 0.99% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.99% above avgNationally 2.90%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 19, 20264.13%▲ from 3.87%
- Sep 18, 20263.87%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.12%
▲ 0.98% above Alabama avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.98% above avgNationally 2.90%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.12%
▲ 0.98% above Alabama avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.98% above avgNationally 2.90%
Details
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
3 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.96%
- Sep 14, 20263.96%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
24 month IRA
$500
4.08%
▲ 0.94% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.94% above avgNationally 2.90%
Details
IRA
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA
$1,000
4.07%
▲ 0.93% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.93% above avgNationally 2.90%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.07% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month Term Certificate
$1,000
4.07%
▲ 0.93% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.93% above avgNationally 2.90%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 19, 20264.07%▲ from 3.82%
- Sep 18, 20263.82%first recorded
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2 Year C.D.
$1,000
4.06%
▲ 0.92% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.14%▲ 0.92% above avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 5 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
24 Month Jumbo Certificate
$0
4.02%
▲ 0.88% above Alabama avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.88% above avgNationally 2.90%
Details
Non-compounding dividend rate: 3.95%; Non-compounding APY: 3.95%
Rate History
No change since Oct 15, 2026 · 4.02% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 24 Months Fixed
$100,000
4.02%
▲ 0.88% above Alabama avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.88% above avgNationally 2.90%
Details
Non-compounding dividend rate 3.95%; non-compounding APY 3.95%
Rate History
2 changes since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
- Oct 4, 20264.02%▲ from 3.92%
- Sep 18, 20263.92%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
24 Month Business Certificates of Deposit
$500
4.00%
▲ 0.86% above Alabama avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
Details
Paid: Monthly
Rate History
1 change since Sep 18, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
- Oct 2, 20264.00%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 24 Months
$500
4.00%
▲ 0.86% above Alabama avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
Details
Paid: Monthly; Penalties may be applied for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
- Oct 2, 20264.00%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$0
4.00%
▲ 0.86% above Alabama avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 5, 20264.00%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Business Share Certificate/CD
$0
4.00%
▲ 0.86% above Alabama avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
Details
Balance: $1,000 - $9,999; Dividend rate accurate as of August 5th, 2026
Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 3 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month CD
$1,000
4.00%
▲ 0.86% above Alabama avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 24 Month
$0
4.00%
▲ 0.86% above Alabama avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 24 Month
$0
3.97%
▲ 0.83% above Alabama avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.83% above avgNationally 2.90%
Details
Rate History
1 change since Oct 13, 2026 · 3.86% → 3.97% ▲ 0.11 pts · high 3.97% / low 3.86%
- Oct 15, 20263.97%▲ from 3.86%
- Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 24 Month
$0
3.97%
▲ 0.83% above Alabama avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.83% above avgNationally 2.90%
Details
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Rate History
2 changes since Oct 5, 2026 · 3.81% → 3.97% ▲ 0.16 pts · high 3.97% / low 3.81%
- Oct 15, 20263.97%▲ from 3.82%
- Oct 9, 20263.82%▲ from 3.81%
- Oct 5, 20263.81%first recorded
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
CD - 2 Years
$0
3.90%
▲ 0.76% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.76% above avgNationally 2.90%
Details
APY is annual percentage yield; Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit (CDs) - 24 Months
$500
3.85%
▲ 0.71% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.90%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
24 month CD
$1,000
3.82%
▲ 0.68% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.68% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Executive IRA Certificate
$100,000
3.80%
▲ 0.66% above Alabama avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.66% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional Executive IRA Certificate
$100,000
3.80%
▲ 0.66% above Alabama avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.66% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Certificate - 24 Months
$0
3.80%
▲ 0.66% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.66% above avgNationally 2.90%
Details
Minimum balance to open a Certificate is $500; Dividends compounded and paid quarterly; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
2 Year Business Share Certificates
$0
3.80%
▲ 0.66% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.66% above avgNationally 2.90%
Details
Interest Compound Period: Quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
24 Month Youth Certificates
$0
3.75%
▲ 0.61% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details
APY includes .25% Club Benefit Earned payment; Club Benefit Earned payments discontinue at age 18
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 4 times
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Share Certificates - 2 Year
$0
3.75%
▲ 0.61% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details
Interest compounded quarterly
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 24 Month
$1,000
3.75%
▲ 0.61% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 24 month
$1,000
3.75%
▲ 0.61% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 24 Month Certificate
$1,000
3.75%
▲ 0.61% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 24 month
$1,000
3.75%
▲ 0.61% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.56% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.90%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
24 Month Share Certificate
$0
3.70%
▲ 0.56% above Alabama avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.90%
Details
Non-compounding dividend rate: 3.65%; Non-compounding APY: 3.65%
Rate History
No change since Oct 15, 2026 · 3.70% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
24 Month Traditional IRA and Roth IRA Certificate
$0
3.70%
▲ 0.56% above Alabama avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.90%
Details
Rate History
No change since Oct 15, 2026 · 3.70% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 24 Months Fixed
$1,000
3.70%
▲ 0.56% above Alabama avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.90%
Details
Non-compounding dividend rate 3.65%; non-compounding APY 3.65%
Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
- Oct 4, 20263.70%▲ from 3.60%
- Sep 18, 20263.60%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional IRA and Roth IRA Certificates - 24 Months Fixed
$0
3.70%
▲ 0.56% above Alabama avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
- Oct 4, 20263.70%▲ from 3.60%
- Sep 18, 20263.60%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Premier IRA Certificate
$10,000
3.70%
▲ 0.56% above Alabama avg
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional Premier IRA Certificate
$10,000
3.70%
▲ 0.56% above Alabama avg
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2 Year Share/IRA Certificate
$1,000
3.70%
▲ 0.56% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.90%
Details
$1,000 minimum; Early withdrawal penalties apply for share certificates
Rate History
1 change since Sep 21, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
- Oct 19, 20263.70%▲ from 3.65%
- Sep 21, 20263.65%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 24 Month Term- Jumbo
$0
3.67%
▲ 0.53% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.53% above avgNationally 2.90%
Details
Jumbo
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.67% ▲ 0.06 pts · high 3.67% / low 3.61%
- Oct 12, 20263.67%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.52% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.52% above avgNationally 2.90%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Share Certificates Plus
$0
3.65%
▲ 0.51% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.14%▲ 0.51% above avgNationally 2.90%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
1 change since Sep 14, 2026 · 3.34% → 3.65% ▲ 0.31 pts · high 3.65% / low 3.34%
- Oct 15, 20263.65%▲ from 3.34%
- Sep 14, 20263.34%first recorded
Mckenzie 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Jumbo Share Certificate 36-Month
$95,000
4.93%
▲ 1.89% above Alabama avg
▼
Rate4.81%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 1.89% above avgNationally 2.82%
Details
Jumbo rate; Standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.93% ▲ 0.57 pts · high 4.93% / low 4.35%
- Oct 9, 20264.93%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
36 Month IRA
$0
4.60%
▲ 1.56% above Alabama avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 1.56% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Oct 9, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 36 Months
$0
4.60%
▲ 1.56% above Alabama avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 1.56% above avgNationally 2.82%
Details
Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Oct 9, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 36 Month
$1,000
4.26%
▲ 1.22% above Alabama avg
▼
Rate4.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 1.22% above avgNationally 2.82%
Details
Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly
Rate History
No change since Oct 10, 2026 · 4.26% APY · checked 2 times
First National Bank of Pulaski
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
36 Months CD with 1x Bump
$10,000
4.25%
▲ 1.21% above Alabama avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.04%▲ 1.21% above avgNationally 2.82%
Details
APYs stated effective 08/18/26; offer subject to change at any time. One-time rate bump during the CD term, with the new rate set by the book rate for a 36 month CD and effective for the remaining CD term. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Not available to financial institutions or public funds. Certificate of Deposit page lists $2,000 minimum to open.
Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 2 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
36 Month Share Certificate
$500
4.20%
▲ 1.16% above Alabama avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 1.16% above avgNationally 2.82%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 Year C.D.
$1,000
4.16%
▲ 1.12% above Alabama avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.04%▲ 1.12% above avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 4.16% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.11% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.04%▲ 1.11% above avgNationally 2.82%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
36 Month Jumbo Certificate
$0
4.13%
▲ 1.09% above Alabama avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 1.09% above avgNationally 2.82%
Details
Non-compounding dividend rate: 4.05%; Non-compounding APY: 4.05%
Rate History
No change since Oct 15, 2026 · 4.13% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 36 Months Fixed
$100,000
4.13%
▲ 1.09% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 1.09% above avgNationally 2.82%
Details
Non-compounding dividend rate 4.05%; non-compounding APY 4.05%
Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- Oct 4, 20264.13%▲ from 4.02%
- Sep 18, 20264.02%▲ from 3.92%
- Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month Jumbo Term Certificate
$100,000
4.13%
▲ 1.09% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 1.09% above avgNationally 2.82%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 19, 20264.13%▲ from 3.87%
- Sep 18, 20263.87%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.12%
▲ 1.08% above Alabama avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 1.08% above avgNationally 2.82%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.12%
▲ 1.08% above Alabama avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 1.08% above avgNationally 2.82%
Details
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
3 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.06% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.04%▲ 1.06% above avgNationally 2.82%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
36 Month Share Certificate
$500
4.07%
▲ 1.03% above Alabama avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 1.03% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA
$1,000
4.07%
▲ 1.03% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 1.03% above avgNationally 2.82%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.07% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month Term Certificate
$1,000
4.07%
▲ 1.03% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 1.03% above avgNationally 2.82%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 19, 20264.07%▲ from 3.82%
- Sep 18, 20263.82%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 36 Month
$0
4.05%
▲ 1.01% above Alabama avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 1.01% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Business Share Certificate/CD
$0
4.00%
▲ 0.96% above Alabama avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.96% above avgNationally 2.82%
Details
Balance: $1,000 - $9,999; Dividend rate accurate as of August 5th, 2026
Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 3 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month CD
$1,000
4.00%
▲ 0.96% above Alabama avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.96% above avgNationally 2.82%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
36 Month IRA Share Certificate
$1,000
4.00%
▲ 0.96% above Alabama avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.96% above avgNationally 2.82%
Details
Rate History
2 changes since Sep 14, 2026 · 2.53% → 4.00% ▲ 1.47 pts · high 4.00% / low 2.53%
- Oct 19, 20264.00%▲ from 3.85%
- Oct 9, 20263.85%▲ from 2.53%
- Sep 14, 20262.53%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate 36 Month
$1,000
4.00%
▲ 0.96% above Alabama avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.96% above avgNationally 2.82%
Details
Minimum Balance to Earn APY: Any Balance
Rate History
1 change since Oct 13, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 19, 20264.00%▲ from 3.85%
- Oct 13, 20263.85%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 36 Month
$0
3.97%
▲ 0.93% above Alabama avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.93% above avgNationally 2.82%
Details
Rate History
1 change since Oct 13, 2026 · 3.86% → 3.97% ▲ 0.11 pts · high 3.97% / low 3.86%
- Oct 15, 20263.97%▲ from 3.86%
- Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 36 Month
$0
3.97%
▲ 0.93% above Alabama avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.93% above avgNationally 2.82%
Details
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Rate History
2 changes since Oct 5, 2026 · 3.81% → 3.97% ▲ 0.16 pts · high 3.97% / low 3.81%
- Oct 15, 20263.97%▲ from 3.86%
- Oct 9, 20263.86%▲ from 3.81%
- Oct 5, 20263.81%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
36 Month Business Certificates of Deposit
$500
3.90%
▲ 0.86% above Alabama avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.04%▲ 0.86% above avgNationally 2.82%
Details
Paid: Monthly
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
- Oct 2, 20263.90%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 36 Months
$500
3.90%
▲ 0.86% above Alabama avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.04%▲ 0.86% above avgNationally 2.82%
Details
Paid: Monthly; Penalties may be applied for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
- Oct 2, 20263.90%▲ from 3.50%
- Sep 18, 20263.50%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
36 month CD
$1,000
3.82%
▲ 0.78% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.04%▲ 0.78% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
36 Month Share Certificate
$0
3.80%
▲ 0.76% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.76% above avgNationally 2.82%
Details
Non-compounding dividend rate: 3.75%; Non-compounding APY: 3.75%
Rate History
No change since Oct 15, 2026 · 3.80% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
36 Month Traditional IRA and Roth IRA Certificate
$0
3.80%
▲ 0.76% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.76% above avgNationally 2.82%
Details
Rate History
No change since Oct 15, 2026 · 3.80% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 36 Months Fixed
$1,000
3.80%
▲ 0.76% above Alabama avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.76% above avgNationally 2.82%
Details
Non-compounding dividend rate 3.75%; non-compounding APY 3.75%
Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- Oct 4, 20263.80%▲ from 3.70%
- Sep 18, 20263.70%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional IRA and Roth IRA Certificates - 36 Months Fixed
$0
3.80%
▲ 0.76% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.76% above avgNationally 2.82%
Details
Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- Oct 4, 20263.80%▲ from 3.70%
- Sep 18, 20263.70%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Year Elite Share Certificate
$10,000
3.80%
▲ 0.76% above Alabama avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.76% above avgNationally 2.82%
Details
$10k minimum; Early withdrawal penalties apply for share certificates
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
- Oct 9, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Year Share/IRA Certificate
$1,000
3.80%
▲ 0.76% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.76% above avgNationally 2.82%
Details
$1,000 minimum; Early withdrawal penalties apply for share certificates
Rate History
1 change since Sep 21, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
- Oct 19, 20263.80%▲ from 3.70%
- Sep 21, 20263.70%first recorded
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
CD - 3 Years
$0
3.75%
▲ 0.71% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.71% above avgNationally 2.82%
Details
APY is annual percentage yield; Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificates Plus
$0
3.75%
▲ 0.71% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.71% above avgNationally 2.82%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 36 Months
$0
3.75%
▲ 0.71% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.71% above avgNationally 2.82%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 3.75% APY
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit (CDs) - 36 Months
$500
3.75%
▲ 0.71% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.71% above avgNationally 2.82%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 36 Month
$1,000
3.75%
▲ 0.71% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.71% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 36 month
$1,000
3.75%
▲ 0.71% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.71% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 36 Month Certificate
$1,000
3.75%
▲ 0.71% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.71% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 36 month
$1,000
3.75%
▲ 0.71% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.71% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
36 Month Member's Choice Share Certificate
$0
3.70%
▲ 0.66% above Alabama avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.66% above avgNationally 2.82%
Details
Non-compounding dividend rate: 3.65%; Non-compounding APY: 3.65%
Rate History
No change since Oct 15, 2026 · 3.70% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 36 Months Fixed
$1,000
3.70%
▲ 0.66% above Alabama avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.66% above avgNationally 2.82%
Details
Dividend rate compounding 3.65%; APY non-compounding 3.65%; non-compounding dividend rate 3.65%
Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
- Oct 4, 20263.70%▲ from 3.60%
- Sep 18, 20263.60%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 36 Months
$1,000
3.65%
▲ 0.61% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.61% above avgNationally 2.82%
Details
Share and IRA Certificates of Deposit; $1,000.00 minimum on all CDs
Rate History
No change since Oct 19, 2026 · 3.65% APY
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificate 36 Months
$1,000
3.60%
▲ 0.56% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.56% above avgNationally 2.82%
Details
Share Certificates (CD's); Penalty for Early Withdrawal applies
Rate History
No change since Oct 19, 2026 · 3.60% APY
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
36 Month IRA
$500
3.60%
▲ 0.56% above Alabama avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.56% above avgNationally 2.82%
Details
Compound Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Term Share Certificate - 36 Month
$500
3.60%
▲ 0.56% above Alabama avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.04%▲ 0.56% above avgNationally 2.82%
Details
Compound Frequency: Monthly
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
36 Month Share Certificate
$500
3.55%
▲ 0.51% above Alabama avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.04%▲ 0.51% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Roth Executive IRA Certificate
$100,000
3.55%
▲ 0.51% above Alabama avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.51% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Traditional Executive IRA Certificate
$100,000
3.55%
▲ 0.51% above Alabama avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.04%▲ 0.51% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Mckenzie 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 48 Months
$0
4.70%
▲ 1.83% above Alabama avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 1.83% above avgNationally 2.81%
Details
Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Oct 9, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 48 Month
$1,000
4.31%
▲ 1.44% above Alabama avg
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 1.44% above avgNationally 2.81%
Details
Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly
Rate History
No change since Oct 10, 2026 · 4.31% APY · checked 2 times
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4 Year C.D.
$1,000
4.22%
▲ 1.35% above Alabama avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average2.87%▲ 1.35% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 4.22% APY · checked 5 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
48 Month Share Certificate
$500
4.20%
▲ 1.33% above Alabama avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 1.33% above avgNationally 2.81%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Jumbo Certificate
$0
4.18%
▲ 1.31% above Alabama avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 1.31% above avgNationally 2.81%
Details
Non-compounding dividend rate: 4.10%; Non-compounding APY: 4.10%
Rate History
No change since Oct 15, 2026 · 4.18% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$100,000
4.18%
▲ 1.31% above Alabama avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 1.31% above avgNationally 2.81%
Details
Non-compounding dividend rate 4.10%; non-compounding APY 4.10%
Rate History
2 changes since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
- Oct 4, 20264.18%▲ from 4.07%
- Sep 18, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Jumbo Term Certificate
$100,000
4.13%
▲ 1.26% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 1.26% above avgNationally 2.81%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- Oct 19, 20264.13%▲ from 3.92%
- Sep 18, 20263.92%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 48 Month
$0
4.10%
▲ 1.23% above Alabama avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 1.23% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
4.07%
▲ 1.20% above Alabama avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 1.20% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.07% ▲ 0.16 pts · high 4.07% / low 3.91%
- Oct 15, 20264.07%▲ from 3.97%
- Oct 13, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
4.07%
▲ 1.20% above Alabama avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 1.20% above avgNationally 2.81%
Details
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.07% ▲ 0.16 pts · high 4.07% / low 3.91%
- Oct 15, 20264.07%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$1,000
4.07%
▲ 1.20% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 1.20% above avgNationally 2.81%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.07% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Term Certificate
$1,000
4.07%
▲ 1.20% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 1.20% above avgNationally 2.81%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 19, 20264.07%▲ from 3.87%
- Sep 18, 20263.87%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.91%
▲ 1.04% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 1.04% above avgNationally 2.81%
Details
Rate History
1 change since Oct 13, 2026 · 3.81% → 3.91% ▲ 0.10 pts · high 3.91% / low 3.81%
- Oct 15, 20263.91%▲ from 3.81%
- Oct 13, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 48 Month
$0
3.91%
▲ 1.04% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 1.04% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Rate History
1 change since Oct 5, 2026 · 3.81% → 3.91% ▲ 0.10 pts · high 3.91% / low 3.81%
- Oct 15, 20263.91%▲ from 3.81%
- Oct 5, 20263.81%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
48 Month Business Certificates of Deposit
$500
3.85%
▲ 0.98% above Alabama avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.87%▲ 0.98% above avgNationally 2.81%
Details
Paid: Monthly
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
- Oct 2, 20263.85%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 48 Months
$500
3.85%
▲ 0.98% above Alabama avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.87%▲ 0.98% above avgNationally 2.81%
Details
Paid: Monthly; Penalties may be applied for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
- Oct 2, 20263.85%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Share Certificate
$0
3.85%
▲ 0.98% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.98% above avgNationally 2.81%
Details
Non-compounding dividend rate: 3.80%; Non-compounding APY: 3.80%
Rate History
No change since Oct 15, 2026 · 3.85% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Traditional IRA and Roth IRA Certificate
$0
3.85%
▲ 0.98% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.98% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 3.85% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 48 Months Fixed
$1,000
3.85%
▲ 0.98% above Alabama avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.98% above avgNationally 2.81%
Details
Non-compounding dividend rate 3.80%; non-compounding APY 3.80%
Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 4, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional IRA and Roth IRA Certificates - 48 Months Fixed
$0
3.85%
▲ 0.98% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.98% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 4, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates Plus
$0
3.85%
▲ 0.98% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.98% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 48 Months
$0
3.85%
▲ 0.98% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.98% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 3.85% APY
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit (CDs) - 48 Months
$500
3.85%
▲ 0.98% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.98% above avgNationally 2.81%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
48 month CD
$1,000
3.82%
▲ 0.95% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.87%▲ 0.95% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Member's Choice Share Certificate
$0
3.75%
▲ 0.88% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.88% above avgNationally 2.81%
Details
Non-compounding dividend rate: 3.70%; Non-compounding APY: 3.70%
Rate History
No change since Oct 15, 2026 · 3.75% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 48 Months Fixed
$1,000
3.75%
▲ 0.88% above Alabama avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.88% above avgNationally 2.81%
Details
Non-compounding dividend rate 3.70%; non-compounding APY 3.70%
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 4, 20263.75%▲ from 3.65%
- Sep 18, 20263.65%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
48 Month IRA Share Certificate
$1,000
3.75%
▲ 0.88% above Alabama avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.88% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 2.58% → 3.75% ▲ 1.17 pts · high 3.75% / low 2.58%
- Oct 9, 20263.75%▲ from 2.58%
- Sep 14, 20262.58%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate 48 Month
$1,000
3.75%
▲ 0.88% above Alabama avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.88% above avgNationally 2.81%
Details
Minimum Balance to Earn APY: Any Balance
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 3 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 48 Month
$1,000
3.75%
▲ 0.88% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.88% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 48 month
$1,000
3.75%
▲ 0.88% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.88% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 48 Month Certificate
$1,000
3.75%
▲ 0.88% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.88% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 48 month
$1,000
3.75%
▲ 0.88% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.88% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificate
$0
3.65%
▲ 0.78% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.78% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificate
Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 48 Months
$1,000
3.65%
▲ 0.78% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.78% above avgNationally 2.81%
Details
Share and IRA Certificates of Deposit; $1,000.00 minimum on all CDs
Rate History
No change since Oct 19, 2026 · 3.65% APY
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 Month IRA
$500
3.65%
▲ 0.78% above Alabama avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.78% above avgNationally 2.81%
Details
Compound Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Term Share Certificate - 48 Month
$500
3.65%
▲ 0.78% above Alabama avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.78% above avgNationally 2.81%
Details
Compound Frequency: Monthly
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
CD - 4 Years
$0
3.60%
▲ 0.73% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.73% above avgNationally 2.81%
Details
APY is annual percentage yield; Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
4 Year Business Share Certificates
$0
3.55%
▲ 0.68% above Alabama avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.68% above avgNationally 2.81%
Details
Interest Compound Period: Quarterly
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
48 Month Share Certificate
$500
3.50%
▲ 0.63% above Alabama avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.87%▲ 0.63% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
48 Month Share Certificates
$0
3.50%
▲ 0.63% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.63% above avgNationally 2.81%
Details
Penalties may apply for early withdrawals
Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 4 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 48 months
$0
3.50%
▲ 0.63% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.63% above avgNationally 2.81%
Details
Penalties may apply for early withdrawals
Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 4 times
Legacy Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
48 Month Certificate & IRA
$0
3.50%
▲ 0.63% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.63% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Legacy Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
Certificate & IRA 48 Months
$0
3.50%
▲ 0.63% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.63% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 3.50% APY
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$0
3.40%
▲ 0.53% above Alabama avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.53% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.40% ▲ 0.40 pts · high 3.40% / low 3.00%
- Oct 5, 20263.40%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48 Month Jumbo Certificate
$250,000
3.39%
▲ 0.52% above Alabama avg
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.52% above avgNationally 2.81%
Details
Effective 10/16/26 - 10/22/26
Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 6 times
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 48 Month Term
$0
3.35%
▲ 0.48% above Alabama avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.48% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Certificate
$500
3.34%
▲ 0.47% above Alabama avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.47% above avgNationally 2.81%
Details
Minimum balance required to earn dividends and to open the account
Rate History
No change since Oct 13, 2026 · 3.34% APY · checked 2 times
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 48 Months
$0
3.30%
▲ 0.43% above Alabama avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.43% above avgNationally 2.81%
Details
Dividends computed on average daily balances of $500 or more; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Certificate - 48 Months
$0
3.29%
▲ 0.42% above Alabama avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average2.87%▲ 0.42% above avgNationally 2.81%
Details
Minimum balance to open a Certificate is $500; Dividends compounded and paid quarterly; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.29% APY · checked 2 times
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
48-Month IRA CD
$0
3.29%
▲ 0.42% above Alabama avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average2.87%▲ 0.42% above avgNationally 2.81%
Details
Prospective dividend rate & APY: December 31 2026; A penalty may be imposed for early withdrawal.
Rate History
1 change since Sep 14, 2026 · 2.93% → 3.29% ▲ 0.36 pts · high 3.29% / low 2.93%
- Oct 9, 20263.29%▲ from 2.93%
- Sep 14, 20262.93%first recorded
Mckenzie 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Jumbo Share Certificate 60-Month
$95,000
4.95%
▲ 1.88% above Alabama avg
▼
Rate4.83%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.88% above avgNationally 2.93%
Details
Jumbo rate; Standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 4.47% → 4.95% ▲ 0.48 pts · high 4.95% / low 4.47%
- Oct 9, 20264.95%▲ from 4.47%
- Sep 14, 20264.47%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
60 Month IRA
$0
4.70%
▲ 1.63% above Alabama avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.63% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Oct 9, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
54 - 60 Month IRA Share Certificates - Jumbo Rate
$0
4.61%
▲ 1.54% above Alabama avg
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.54% above avgNationally 2.93%
Details
Compound Period: Quarterly; Jumbo Rate - $100,000+ deposit
Rate History
No change since Oct 19, 2026 · 4.61% APY
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Jumbo Rate Share Certificate - 54-60 Months
$0
4.61%
▲ 1.54% above Alabama avg
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.54% above avgNationally 2.93%
Details
$100,000+; Compound Period: Quarterly; Jumbo Rate - $100,000+ Deposit
Rate History
No change since Oct 19, 2026 · 4.61% APY
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Executive IRA Certificate
$100,000
4.60%
▲ 1.53% above Alabama avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth IRA Certificate
$500
4.60%
▲ 1.53% above Alabama avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Premier IRA Certificate
$10,000
4.60%
▲ 1.53% above Alabama avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Executive IRA Certificate
$100,000
4.60%
▲ 1.53% above Alabama avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional IRA Certificate
$500
4.60%
▲ 1.53% above Alabama avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Premier IRA Certificate
$10,000
4.60%
▲ 1.53% above Alabama avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 1.53% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
54 - 60 Month Share Certificate
$2,500
4.50%
▲ 1.43% above Alabama avg
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.43% above avgNationally 2.93%
Details
Compound Period: Quarterly
Rate History
No change since Oct 10, 2026 · 4.50% APY · checked 2 times
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Share Certificate - 54-60 Months
$500
4.50%
▲ 1.43% above Alabama avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.43% above avgNationally 2.93%
Details
Compound Period: Quarterly
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 60 Month
$1,000
4.36%
▲ 1.29% above Alabama avg
▼
Rate4.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.29% above avgNationally 2.93%
Details
Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly
Rate History
No change since Oct 10, 2026 · 4.36% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month Jumbo Term Certificate
$100,000
4.33%
▲ 1.26% above Alabama avg
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.26% above avgNationally 2.93%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.33% ▲ 0.05 pts · high 4.33% / low 4.28%
- Oct 19, 20264.33%▲ from 4.28%
- Sep 18, 20264.28%first recorded
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Year C.D.
$1,000
4.32%
▲ 1.25% above Alabama avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.07%▲ 1.25% above avgNationally 2.93%
Details
Rate History
No change since Sep 24, 2026 · 4.32% APY · checked 5 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA
$1,000
4.28%
▲ 1.21% above Alabama avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.21% above avgNationally 2.93%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.28% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month Term Certificate
$1,000
4.28%
▲ 1.21% above Alabama avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.21% above avgNationally 2.93%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 4.23% → 4.28% ▲ 0.05 pts · high 4.28% / low 4.23%
- Oct 19, 20264.28%▲ from 4.23%
- Sep 18, 20264.23%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Jumbo Certificate
$0
4.23%
▲ 1.16% above Alabama avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 1.16% above avgNationally 2.93%
Details
Non-compounding dividend rate: 4.15%; Non-compounding APY: 4.15%
Rate History
No change since Oct 15, 2026 · 4.23% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 60 Months Fixed
$100,000
4.23%
▲ 1.16% above Alabama avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 1.16% above avgNationally 2.93%
Details
Non-compounding dividend rate 4.15%; non-compounding APY 4.15%
Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.23% ▲ 0.21 pts · high 4.23% / low 4.02%
- Oct 4, 20264.23%▲ from 4.13%
- Sep 18, 20264.13%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
60 Month Share Certificate
$500
4.20%
▲ 1.13% above Alabama avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.13% above avgNationally 2.93%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 60 Month
$0
4.15%
▲ 1.08% above Alabama avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 1.08% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.07%
▲ 1.00% above Alabama avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 1.00% above avgNationally 2.93%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.07% ▲ 0.07 pts · high 4.07% / low 4.00%
- Oct 15, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.07%
▲ 1.00% above Alabama avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 1.00% above avgNationally 2.93%
Details
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.07% ▲ 0.07 pts · high 4.07% / low 4.00%
- Oct 15, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates Plus
$0
4.01%
▲ 0.94% above Alabama avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 0.94% above avgNationally 2.93%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 8 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 60 Months
$0
4.01%
▲ 0.94% above Alabama avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 0.94% above avgNationally 2.93%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 4.01% APY
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
5 Year Elite Share Certificate
$10,000
4.00%
▲ 0.93% above Alabama avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 0.93% above avgNationally 2.93%
Details
$10k minimum; Early withdrawal penalties apply for share certificates
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 9, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
5 Year Share/IRA Certificate
$1,000
4.00%
▲ 0.93% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 0.93% above avgNationally 2.93%
Details
$1,000 minimum; Early withdrawal penalties apply for share certificates
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 19, 20264.00%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Share Certificate
$0
3.91%
▲ 0.84% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 0.84% above avgNationally 2.93%
Details
Non-compounding dividend rate: 3.85%; Non-compounding APY: 3.85%
Rate History
No change since Oct 15, 2026 · 3.91% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Traditional IRA and Roth IRA Certificate
$0
3.91%
▲ 0.84% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 0.84% above avgNationally 2.93%
Details
Rate History
No change since Oct 15, 2026 · 3.91% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 60 Months Fixed
$1,000
3.91%
▲ 0.84% above Alabama avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 0.84% above avgNationally 2.93%
Details
Non-compounding dividend rate 3.85%; non-compounding APY 3.85%
Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
- Oct 4, 20263.91%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional IRA and Roth IRA Certificates - 60 Months Fixed
$0
3.91%
▲ 0.84% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 0.84% above avgNationally 2.93%
Details
Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
- Oct 4, 20263.91%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 60 Month
$0
3.91%
▲ 0.84% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 0.84% above avgNationally 2.93%
Details
Rate History
1 change since Oct 13, 2026 · 3.84% → 3.91% ▲ 0.07 pts · high 3.91% / low 3.84%
- Oct 15, 20263.91%▲ from 3.84%
- Oct 13, 20263.84%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 60 Month
$0
3.91%
▲ 0.84% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 0.84% above avgNationally 2.93%
Details
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Rate History
1 change since Oct 5, 2026 · 3.84% → 3.91% ▲ 0.07 pts · high 3.91% / low 3.84%
- Oct 15, 20263.91%▲ from 3.84%
- Oct 5, 20263.84%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.83% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.07%▲ 0.83% above avgNationally 2.93%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.78% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.07%▲ 0.78% above avgNationally 2.93%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
60 Month Business Certificates of Deposit
$500
3.85%
▲ 0.78% above Alabama avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.07%▲ 0.78% above avgNationally 2.93%
Details
Paid: Monthly
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
- Oct 2, 20263.85%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 60 Months
$500
3.85%
▲ 0.78% above Alabama avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.07%▲ 0.78% above avgNationally 2.93%
Details
Paid: Monthly; Penalties may be applied for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
- Oct 2, 20263.85%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit (CDs) - 60 Months
$500
3.85%
▲ 0.78% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 0.78% above avgNationally 2.93%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
60 month CD
$1,000
3.82%
▲ 0.75% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.07%▲ 0.75% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Member's Choice Share Certificate
$0
3.80%
▲ 0.73% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 0.73% above avgNationally 2.93%
Details
Non-compounding dividend rate: 3.75%; Non-compounding APY: 3.75%
Rate History
No change since Oct 15, 2026 · 3.80% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 60 Months Fixed
$1,000
3.80%
▲ 0.73% above Alabama avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 0.73% above avgNationally 2.93%
Details
Non-compounding dividend rate 3.75%; non-compounding APY 3.75%
Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- Oct 4, 20263.80%▲ from 3.70%
- Sep 18, 20263.70%▲ from 3.60%
- Sep 14, 20263.60%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificate
$0
3.80%
▲ 0.73% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Alabama Average3.07%▲ 0.73% above avgNationally 2.93%
Details
Quarterly Posted Dividend Certificate
Rate History
No change since Oct 5, 2026 · 3.80% APY · checked 3 times
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
60 Month IRA Share Certificate
$1,000
3.75%
▲ 0.68% above Alabama avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 0.68% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 2.48% → 3.75% ▲ 1.27 pts · high 3.75% / low 2.48%
- Oct 9, 20263.75%▲ from 2.48%
- Sep 14, 20262.48%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate 60 Month
$1,000
3.75%
▲ 0.68% above Alabama avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 0.68% above avgNationally 2.93%
Details
Minimum Balance to Earn APY: Any Balance
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 3 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Account 60 Month
$1,000
3.75%
▲ 0.68% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 0.68% above avgNationally 2.93%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 60 month
$1,000
3.75%
▲ 0.68% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 0.68% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 60 Month Certificate
$1,000
3.75%
▲ 0.68% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 0.68% above avgNationally 2.93%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 60 month
$1,000
3.75%
▲ 0.68% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 0.68% above avgNationally 2.93%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
60 Month IRA
$500
3.70%
▲ 0.63% above Alabama avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 0.63% above avgNationally 2.93%
Details
Compound Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Term Share Certificate - 60 Month
$500
3.70%
▲ 0.63% above Alabama avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Alabama Average3.07%▲ 0.63% above avgNationally 2.93%
Details
Compound Frequency: Monthly
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
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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.
Mckenzie, AL CD Rate Trends
Compare local Mckenzie, 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
3.319%
▲ 0.021 vs 7 days ago
Alabama 12-month CD rates rose 0.021 points over the past 7 days to 3.319% APY.
6-Month CD AL Avg
3.094%
▼ 0.141 vs 7 days ago
Alabama 6-month CD rates fell 0.141 points over the past 7 days to 3.094% APY.
As of Oct 19, 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 October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AL 12-Month Avg APY
3.319%
6-Month Forecast
3.319%
Range: 3.12%, 3.47%
12-Month Forecast
3.569%
Range: 3.37%, 3.72%
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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 | 1.882% | $94.09 | $188.17 | $470.43 | $940.85 |
| 6-Month CD | 3.094% | $154.71 | $309.41 | $773.53 | $1,547.05 |
| 12-Month CD | 3.319% | $165.97 | $331.93 | $829.83 | $1,659.65 |
| 18-Month CD | 3.192% | $159.59 | $319.18 | $797.95 | $1,595.90 |
| 24-Month CD | 3.139% | $156.93 | $313.85 | $784.63 | $1,569.25 |
| 36-Month CD | 3.043% | $152.14 | $304.27 | $760.68 | $1,521.35 |
| 48-Month CD | 2.872% | $143.62 | $287.24 | $718.10 | $1,436.20 |
| 60-Month CD | 3.075% | $153.73 | $307.45 | $768.63 | $1,537.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026. | |||||
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Sample CD Ladder for Mckenzie, 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 | 1.882% | $94.09 |
| 2 | 6-Month CD | $5,000 | 3.094% | $154.71 |
| 3 | 12-Month CD | $5,000 | 3.319% | $165.97 |
| 4 | 24-Month CD | $5,000 | 3.139% | $156.93 |
| 5 | 36-Month CD | $5,000 | 3.043% | $152.14 |
| Total ($25,000 invested) | $25,000 | 2.895% blended | $723.84/yr | |
Ladder example uses equal $5,000 rungs and Alabama average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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907
CD Rates
Tracked in Mckenzie, Alabama
Tracked in Mckenzie, Alabama
20 Banks
75 Credit Unions
About Our Mckenzie, Alabama CD Rate Database
MonitorBankRates tracks 907 CD rates from 20 banks and 75 credit unions with locations in Mckenzie, Alabama, plus national online institutions available to Alabama residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Platinum Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Mckenzie, Alabama.
How to Find the Best CD Rates in Mckenzie, Alabama
What to compare when shopping for a CD in Mckenzie, Alabama
To find the best APYs in Mckenzie, Alabama, start with credit unions and online-only banks: Mckenzie, Alabama has 75 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 Mckenzie, 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 Mckenzie, Alabama: 95 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Mckenzie, Alabama savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Mckenzie, Alabama money market rates
Alabama Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
17.8%
National avg: 17.3%
Median Individual Earnings
$40,605
National avg: $47,340
Poverty Rate
15.6%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$135/yr
At AL 12-mo avg 3.319% APY
17.8% of residents are 65 or older, in line with the national average of 17.3%. At today’s AL 12-month CD average of 3.319%, saving 10% of the local median salary ($4,060/year) and putting it in a CD would earn an additional $135 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 Mckenzie, Alabama
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Mckenzie, Alabama
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Mckenzie, Alabama typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Mckenzie, Alabama as everywhere in the U.S.
Choosing a CD Term in Mckenzie, Alabama
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Mckenzie, Alabama savers easier access to their funds. For example, Service 1 Federal Credit Union is offering its 6 Month Share Certificates - 1 at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its Jumbo Share Certificate 60-Month at 4.95% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Mckenzie, Alabama Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Mckenzie, Alabama saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Mckenzie, Alabama
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Mckenzie, Alabama CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Mckenzie, Alabama
Most CDs carry a fixed rate that is locked for the entire term, protecting a Mckenzie, Alabama depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Mckenzie, Alabama
Are CD rates in Mckenzie, Alabama FDIC insured?
Yes, most established banks in Mckenzie, 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 Mckenzie, 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 Mckenzie, 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 Mckenzie, 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 Mckenzie, Alabama?
Here are recent top rates found for this area:
- Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
- Hope Federal Credit Union Jackson, MS: 4.95% APY (Jumbo Share Certificate 60-Month)
- Service 1 Federal Credit Union: 4.75% APY (6 Month Share Certificates - 1)
- Federal Employees Credit Union: 4.70% APY (60 Month IRA)
- Auburn University Credit Union: 4.61% APY (54 - 60 Month IRA Share Certificates - Jumbo Rate)
- Honda Federal Credit Union: 4.60% APY (5 Year Roth Executive IRA Certificate)
- Weyco Community Credit Union: 4.49% APY (18 Month Share Certificate)
- All In Credit Union: 4.39% APY (18 Month Jumbo Term Certificate)
- Alabama One Credit Union: 4.36% APY (Certificate IRA (Traditional & Roth) - 6 Month)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
Rates reflect recent verified offers available in Mckenzie, Alabama. Last Updated: October 19, 2026
Mckenzie, Alabama CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Mckenzie, Alabama rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Mckenzie, Alabama
Mckenzie, Alabama CD Calculator
At today’s AL top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Mckenzie, Alabama CD LadderAL CD rates currently range from 1.882% (3-month) to 3.043% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Mckenzie, Alabama CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsAlabama’s average 12-month CD is 3.319% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mckenzie, Alabama CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Mckenzie, Alabama directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Mckenzie, Alabama. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in AL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 19, 2026
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