Minter, Alabama Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Minter, Alabama CD rates from banks and credit unions serving Alabama range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Minter, 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, Birmingham City Credit UnionBirmingham City Credit UnionA+5.0 ★Texas Ratio: 2.89%Real return: +2.20%APY minus CPI (February 2026) offering 18 Month Share Certificate 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 60 Month Share Certificates (CDs) - Jumbo 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 at 4.75% APY, and 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. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Minter is a smaller community with no bank or credit union branches currently in our database. 736 institutions serving the Alabama area are available to Minter 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 14, 2026
Compare Best CD Rates in Minter, Alabama & the Surrounding Area
Minter 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%
90 Day Share Certificates - Jumbo Rate
$100,000
4.51%
▲ 2.43% above Alabama avg
▼
Rate4.51%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 2.43% above avgNationally 2.09%
Details
$100,000+; Compound Period: Maturity
Rate History
No change since Oct 14, 2026 · 4.51% APY
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
90 Day Share Certificates
$2,500
4.41%
▲ 2.33% above Alabama avg
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 2.33% above avgNationally 2.09%
Details
Compound Period: Maturity
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.41% ▲ 0.41 pts · high 4.41% / low 4.00%
- Oct 14, 20264.41%▲ from 4.00%
- Sep 18, 20264.00%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.71%
▲ 1.63% above Alabama avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 1.63% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 3 Month Jumbo
$100,000
3.71%
▲ 1.63% above Alabama avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 1.63% above avgNationally 2.09%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 3.71% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66%
▲ 1.58% above Alabama avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 1.58% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 3 Month
$1,000
3.66%
▲ 1.58% above Alabama avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 1.58% above avgNationally 2.09%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55%
▲ 1.47% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 1.47% above avgNationally 2.09%
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
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
Eva Liquid CD - Renews every 3 months
$500
3.55%
▲ 1.47% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.08%▲ 1.47% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Month Share/IRA Certificate (CD)
$1,000
3.30%
▲ 1.22% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.08%▲ 1.22% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
90 Days CD
$0
3.25%
▲ 1.17% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Paid: At Maturity
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Three-Month CD
$1,000
2.85%
▲ 0.77% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 0.77% above avgNationally 2.09%
Details
Interest Paid: At Maturity
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 2 times
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Share Certificates - 3 Month
$0
2.52%
▲ 0.44% above Alabama avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▲ 0.44% above avgNationally 2.09%
Details
Interest Compound Period: Quarterly
Rate History
2 changes since Sep 14, 2026 · 2.52% → 2.52% ▼ 0.00 pts · high 2.52% / low 2.52%
- Sep 22, 20262.52%▼ from 2.52%
- Sep 18, 20262.52%▼ from 2.52%
- Sep 14, 20262.52%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month IRA Plus Certificates
$0
2.47%
▲ 0.39% above Alabama avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▲ 0.39% above avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates Plus
$0
2.47%
▲ 0.39% above Alabama avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▲ 0.39% above avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates
$0
2.27%
▲ 0.19% above Alabama avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▲ 0.19% above avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 5 times
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Certificate Account - 3 month
$0
2.10%
▲ 0.02% above Alabama avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 0.02% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit 3 Month
$500
2.00%
▼ 0.08% below Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 0.08% below avgNationally 2.09%
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%
▼ 0.08% below Alabama avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 0.08% below avgNationally 2.09%
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%
▼ 0.08% below Alabama avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 0.08% below avgNationally 2.09%
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%
▼ 0.08% below Alabama avg
▼
Rate1.98%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▼ 0.08% below avgNationally 2.09%
Details
Dividend Payment Frequency: Monthly; Dividends cap at $999,999.99
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.53% below Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 0.53% below avgNationally 2.09%
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%
▼ 0.58% below Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 0.58% below avgNationally 2.09%
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%
3 Month Share Certificate
$500
1.00%
▼ 1.08% below Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▼ 1.08% below avgNationally 2.09%
Details
Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 2 times
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Certificate of Deposit - 3 Months
$0
0.75%
▼ 1.33% below Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▼ 1.33% below avgNationally 2.09%
Details
Rate History
No change since Oct 9, 2026 · 0.75% APY · checked 2 times
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3 Month Standard CD
$500
0.55%
▼ 1.53% below Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 1.53% below avgNationally 2.09%
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%
▼ 1.57% below Alabama avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▼ 1.57% below avgNationally 2.09%
Details
Certificates of Deposit and IRAs; Rates as of February 23, 2026
Rate History
No change since Oct 13, 2026 · 0.51% APY
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
90 Day C.D.
$1,000
0.50%
▼ 1.58% below Alabama avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average2.08%▼ 1.58% below avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
Tuskegee Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 54.93%
3 Month CD
$0
0.25%
▼ 1.83% below Alabama avg
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.08%▼ 1.83% below avgNationally 2.09%
Details
Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 2 times
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Certificate Accounts - 90 Day
$500
0.20%
▼ 1.88% below Alabama avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 1.88% below avgNationally 2.09%
Details
Dividend Frequency: At Maturity
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 6 times
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Jumbo Share Certificates - 90 Day
$100,000
0.20%
▼ 1.88% below Alabama avg
▼
Rate0.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 1.88% below avgNationally 2.09%
Details
Dividend Frequency: At Maturity
Rate History
No change since Oct 10, 2026 · 0.20% APY · checked 2 times
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Standard Certificate - 3 Month
$0
0.15%
▼ 1.93% below Alabama avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▼ 1.93% below avgNationally 2.09%
Details
Monthly & Quarterly Certificates; Additional deposits allowed; Prime Club members receive 0.15% bonus dividend rate
Rate History
No change since Oct 13, 2026 · 0.15% APY
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Personal Certificates of Deposit - 90 Days
$1,000
0.10%
▼ 1.98% below Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 1.98% below avgNationally 2.09%
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%
▼ 1.98% below Alabama avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.08%▼ 1.98% below avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.02% below Alabama avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 2.02% below avgNationally 2.09%
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%
▼ 2.03% below Alabama avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 2.03% below avgNationally 2.09%
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03%
▼ 2.05% below Alabama avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 2.05% below avgNationally 2.09%
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 CD
$500
0.03%
▼ 2.05% below Alabama avg
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.08%▼ 2.05% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 7 times
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day Jumbo CD
$100,000
0.03%
▼ 2.05% below Alabama avg
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.08%▼ 2.05% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 6 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.02%
▼ 2.06% below Alabama avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 2.06% below avgNationally 2.09%
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%
▼ 2.07% below Alabama avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 2.07% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Minter 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
$0
4.75%
▲ 1.56% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.56% above avgNationally 2.77%
Details
FEATURED RATE
Rate History
1 change since Sep 30, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
- Oct 14, 20264.75%▲ from 3.75%
- Sep 30, 20263.75%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.75%
▲ 1.56% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.56% above avgNationally 2.77%
Details
Featured rate
Rate History
No change since Sep 30, 2026 · 4.75% APY · checked 5 times
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
180 Day Share Certificates - Jumbo Rate
$100,000
4.56%
▲ 1.37% above Alabama avg
▼
Rate4.56%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.37% above avgNationally 2.77%
Details
$100,000+; Compound Period: Maturity
Rate History
No change since Oct 14, 2026 · 4.56% APY
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
180 Day Share Certificates
$2,500
4.46%
▲ 1.27% above Alabama avg
▼
Rate4.46%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.27% above avgNationally 2.77%
Details
Compound Period: Maturity
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.46% ▲ 0.36 pts · high 4.46% / low 4.10%
- Oct 14, 20264.46%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 6 Month
$1,000
4.36%
▲ 1.17% above Alabama avg
▼
Rate4.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.17% above avgNationally 2.77%
Details
IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity
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%
▲ 1.01% above Alabama avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.01% above avgNationally 2.77%
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%
▲ 0.96% above Alabama avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.96% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.15% ▲ 0.19 pts · high 4.15% / low 3.96%
- Sep 27, 20264.15%▲ from 3.96%
- Sep 14, 20263.96%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$100,000
4.12%
▲ 0.93% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.93% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 6 Month Jumbo
$100,000
4.12%
▲ 0.93% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.93% above avgNationally 2.77%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.12% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA
$1,000
4.07%
▲ 0.88% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.88% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 6 Month
$1,000
4.07%
▲ 0.88% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.88% above avgNationally 2.77%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
6 month CD
$1,000
4.04%
▲ 0.85% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.85% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 6 times
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
6 Month Share Certificate
$500
4.02%
▲ 0.83% above Alabama avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.83% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.02% ▲ 0.46 pts · high 4.02% / low 3.56%
- Oct 13, 20264.02%▲ from 3.56%
- Sep 14, 20263.56%first recorded
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
CD Specials - 6 Month
$1,000
4.00%
▲ 0.81% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
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%
▲ 0.81% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details
FEATURED RATE
Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 3 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Youth Certificates - 6 months
$0
4.00%
▲ 0.81% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details
Featured rate; APY includes .25% Club Benefit Earned payment; youth certificate for members age 17 and under; Club Benefit payments discontinue at age 18
Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 5 times
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
180 Day Certificate Account
$0
4.00%
▲ 0.81% above Alabama avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificates of Deposit Regular - 6 Months
$0
4.00%
▲ 0.81% above Alabama avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
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
No change since Oct 13, 2026 · 4.00% APY
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Certificate of Deposit - 6 Months
$0
4.00%
▲ 0.81% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 180 Days
$500
4.00%
▲ 0.81% above Alabama avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 6 month special
$1,000
4.00%
▲ 0.81% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details
Special rate
Rate History
No change since Oct 14, 2026 · 4.00% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 6 month special
$1,000
4.00%
▲ 0.81% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details
Rate History
No change since Oct 14, 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%
▲ 0.81% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details
Rate History
No change since Sep 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%
▲ 0.79% above Alabama avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.79% above avgNationally 2.77%
Details
Dividends compounded daily and credited monthly; early withdrawal penalties apply
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%
Jumbo Certificate - 6 Months Fixed
$100,000
3.97%
▲ 0.78% above Alabama avg
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.78% above avgNationally 2.77%
Details
Compounding: dividend rate 3.90%, APY compounding 3.97%
Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
- Oct 4, 20263.97%▲ from 3.87%
- Sep 18, 20263.87%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 6 Months Fixed
$100,000
3.90%
▲ 0.71% above Alabama avg
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.71% above avgNationally 2.77%
Details
Non-Compounding: dividend rate 3.90%, APY non-compounding 3.90%
Rate History
3 changes since Sep 14, 2026 · 3.76% → 3.90% ▲ 0.14 pts · high 3.97% / low 3.76%
- Oct 12, 20263.90%▼ from 3.97%
- Oct 4, 20263.97%▲ from 3.87%
- Sep 18, 20263.87%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 6 Months
$1
3.90%
▲ 0.71% above Alabama avg
▼
RateN/A
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.71% above avgNationally 2.77%
Details
Penalty for early withdrawal applies
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 6 Month
$10,000
3.85%
▲ 0.66% above Alabama avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.66% above avgNationally 2.77%
Details
Available only to members of at least fifteen (15) years of membership
Rate History
No change since Oct 13, 2026 · 3.85% APY
Red Oak Credit Union
Institution Rating:
B3.8 ★Texas Ratio: 4.34%
6 Month Regular & IRA Certificates
$0
3.85%
▲ 0.66% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.66% above avgNationally 2.77%
Details
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%
▲ 0.63% above Alabama avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.63% above avgNationally 2.77%
Details
Rate History
No change since Oct 13, 2026 · 3.82% APY
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month Certificate
$0
3.81%
▲ 0.62% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.62% above avgNationally 2.77%
Details
A penalty may apply for early withdrawal of funds
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 9 times
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
6 Month CD
$0
3.81%
▲ 0.62% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.62% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 7 times
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
6 Month Business Certificates of Deposit
$500
3.80%
▲ 0.61% above Alabama avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.77%
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%
▲ 0.61% above Alabama avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.77%
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%
▲ 0.61% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.77%
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
$500
3.80%
▲ 0.61% above Alabama avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.77%
Details
Dividends compounded and paid quarterly; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
6 Month Certificate
$0
3.76%
▲ 0.57% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.57% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 3.76% APY
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 6 Months
$0
3.76%
▲ 0.57% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.57% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 2 times
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
6 Month CD
$500
3.75%
▲ 0.56% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.77%
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%
▲ 0.56% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.77%
Details
Featured Rate
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 3 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 6 months
$0
3.75%
▲ 0.56% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.77%
Details
Featured rate; Penalties may apply for early withdrawals
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Months CD Special
$0
3.75%
▲ 0.56% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.77%
Details
Special CD rate; see footnote ** on source page
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%
▲ 0.56% above Alabama avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.77%
Details
Featured term; requires a minimum deposit of $5,000 (new or existing funds)
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 6 Month
$100,000
3.70%
▲ 0.51% above Alabama avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.51% above avgNationally 2.77%
Details
Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 2 times
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month CD
$0
3.68%
▲ 0.49% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.19%▲ 0.49% above avgNationally 2.77%
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%
▲ 0.49% above Alabama avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.19%▲ 0.49% above avgNationally 2.77%
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%
▲ 0.47% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.47% above avgNationally 2.77%
Details
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%
▲ 0.46% above Alabama avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.46% above avgNationally 2.77%
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%
Share Certificate - 6 Months Fixed
$1,000
3.65%
▲ 0.46% above Alabama avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.46% above avgNationally 2.77%
Details
Compounding: dividend rate 3.60%, APY compounding 3.65%
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
$1,000
3.65%
▲ 0.46% above Alabama avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.46% above avgNationally 2.77%
Details
Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty
Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 2 times
Minter 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%
▲ 1.69% above Alabama avg
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 1.69% above avgNationally 2.99%
Details
Eligibility: 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
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%
12 Month Share Certificates (CDs) - Jumbo
$1,000
4.53%
▲ 1.22% above Alabama avg
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 1.22% above avgNationally 2.99%
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.53% APY
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Share Certificates
$0
4.50%
▲ 1.19% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 1.19% above avgNationally 2.99%
Details
Rate History
1 change since Sep 30, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 14, 20264.50%▲ from 3.50%
- Sep 30, 20263.50%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Youth Certificates
$0
4.50%
▲ 1.19% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 1.19% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.04% above Alabama avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 1.04% above avgNationally 2.99%
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%
▲ 1.00% above Alabama avg
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 1.00% above avgNationally 2.99%
Details
IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity
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 IRA Jumbo
$100,000
4.23%
▲ 0.92% above Alabama avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.92% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month Jumbo
$100,000
4.23%
▲ 0.92% above Alabama avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.92% above avgNationally 2.99%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.23% APY
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12 Month IRA
$0
4.20%
▲ 0.89% above Alabama avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.89% above avgNationally 2.99%
Details
IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- 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%
Certificates of Deposit Regular - 12 Months
$0
4.20%
▲ 0.89% above Alabama avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.89% above avgNationally 2.99%
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
No change since Oct 13, 2026 · 4.20% APY
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
12 Month Share Certificate
$500
4.18%
▲ 0.87% above Alabama avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.87% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- Oct 13, 20264.18%▲ from 3.87%
- Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA
$1,000
4.18%
▲ 0.87% above Alabama avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.87% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month
$1,000
4.18%
▲ 0.87% above Alabama avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.87% above avgNationally 2.99%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 8 times
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month CD
$0
4.16%
▲ 0.85% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.85% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 4.16% APY
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificates of Deposit
$0
4.16%
▲ 0.85% above Alabama avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.85% above avgNationally 2.99%
Details
Balance: $500.00 Minimum; Rates effective as of March 12, 2025
Rate History
No change since Oct 13, 2026 · 4.16% APY
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Jumbo Certificate
$250,000
4.16%
▲ 0.85% above Alabama avg
▼
Rate4.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.85% above avgNationally 2.99%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
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%
Jumbo Certificate - 12 Months Fixed
$100,000
4.13%
▲ 0.82% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.82% above avgNationally 2.99%
Details
Compounding: dividend rate 4.05%, APY compounding 4.13%
Rate History
3 changes since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
- 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%
▲ 0.79% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
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%
▲ 0.79% above Alabama avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
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%
▲ 0.79% above Alabama avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 12 Months
$500
4.10%
▲ 0.79% above Alabama avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 12 month special
$1,000
4.10%
▲ 0.79% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
Details
Special rate
Rate History
No change since Oct 14, 2026 · 4.10% APY
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 12 month special
$1,000
4.10%
▲ 0.79% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 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%
▲ 0.79% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 2 times
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates - 12 month certificate
$1,000
4.08%
▲ 0.77% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.77% above avgNationally 2.99%
Details
Best rate; Compounded Daily
Rate History
No change since Oct 10, 2026 · 4.08% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month Variable
$1,000
4.08%
▲ 0.77% above Alabama avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.77% above avgNationally 2.99%
Details
Variable rate; penalty equals 6 months of dividends; rate based on 1 Year T Bill rate less 50 basis points, adjusted monthly, not below 1.00% APR or above 8.00% APR; additional deposits allowed at any time.
Rate History
No change since Oct 14, 2026 · 4.08% APY
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Certificate - 12 Months
$500
4.06%
▲ 0.75% above Alabama avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.75% above avgNationally 2.99%
Details
Dividends compounded and paid quarterly; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Roth IRA Certificate
$500
4.06%
▲ 0.75% above Alabama avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.75% above avgNationally 2.99%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
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%
▲ 0.75% above Alabama avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.75% above avgNationally 2.99%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
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%
▲ 0.74% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.74% above avgNationally 2.99%
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
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 12 Months Fixed
$100,000
4.05%
▲ 0.74% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.74% above avgNationally 2.99%
Details
Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05%
Rate History
4 changes since Sep 14, 2026 · 3.82% → 4.05% ▲ 0.23 pts · high 4.13% / low 3.82%
- Oct 12, 20264.05%▼ from 4.13%
- Oct 4, 20264.13%▲ from 4.02%
- Sep 25, 20264.02%▲ from 3.92%
- Sep 18, 20263.92%▲ from 3.82%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 12 Month
$0
4.02%
▲ 0.71% above Alabama avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.71% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
- 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
4.02%
▲ 0.71% above Alabama avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.71% above avgNationally 2.99%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
- Oct 5, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.69% above Alabama avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 2.99%
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%
▲ 0.69% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month IRA Certificate
$500
4.00%
▲ 0.69% above Alabama avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 2.99%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
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 Certificates (CD's) - 12 Months
$1
4.00%
▲ 0.69% above Alabama avg
▼
RateN/A
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 2.99%
Details
Penalty for early withdrawal applies
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
12 Month Business Certificates of Deposit
$500
3.95%
▲ 0.64% above Alabama avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.64% above avgNationally 2.99%
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%
▲ 0.64% above Alabama avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.64% above avgNationally 2.99%
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
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1 Year Share Certificates
$0
3.90%
▲ 0.59% above Alabama avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.59% above avgNationally 2.99%
Details
Balance: $1,000,000.00 +
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 12 Month Term- Jumbo
$0
3.87%
▲ 0.56% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.56% above avgNationally 2.99%
Details
Jumbo; dividends compounded daily and credited monthly; early withdrawal penalties apply
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month IRA Certificates
$0
3.86%
▲ 0.55% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.55% above avgNationally 2.99%
Details
Rate History
No change since Oct 5, 2026 · 3.86% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 12 Month
$0
3.86%
▲ 0.55% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.55% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.86% ▲ 0.07 pts · high 3.86% / low 3.79%
- Oct 5, 20263.86%▲ from 3.81%
- Sep 25, 20263.81%▲ from 3.79%
- Sep 14, 20263.79%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - YOUth Boost 12-Month
$0
3.86%
▲ 0.55% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.55% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 3.86% APY
Gulf Coast Federal Credit Union
Institution Rating:
C+3.8 ★Texas Ratio: 17.15%
12-month Certificate of Deposit
$500
3.82%
▲ 0.51% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.51% above avgNationally 2.99%
Details
Up to 3.82% APY; $500 min to open
Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 6 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
12 Month Share Certificate
$500
3.80%
▲ 0.49% above Alabama avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.49% above avgNationally 2.99%
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%
▲ 0.49% above Alabama avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.31%▲ 0.49% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 12 Months Fixed
$1,000
3.80%
▲ 0.49% above Alabama avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.49% above avgNationally 2.99%
Details
Compounding: dividend rate 3.75%, APY compounding 3.80%
Rate History
3 changes since Sep 14, 2026 · 3.49% → 3.80% ▲ 0.31 pts · high 3.80% / low 3.49%
- Oct 4, 20263.80%▲ from 3.70%
- Sep 25, 20263.70%▲ from 3.60%
- Sep 18, 20263.60%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 12 Months Fixed
$0
3.80%
▲ 0.49% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.49% above avgNationally 2.99%
Details
Traditional IRAs and Roth IRA Certificates
Rate History
No change since Oct 12, 2026 · 3.80% APY
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$0
3.80%
▲ 0.49% above Alabama avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.49% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
- Oct 5, 20263.80%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Minter 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
18 Month Share Certificate
$500
5.00%
▲ 1.78% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 1.78% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 2 times
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
18 Month Share Certificate
$500
4.49%
▲ 1.27% above Alabama avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 1.27% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.49% ▲ 0.93 pts · high 4.49% / low 3.56%
- Oct 13, 20264.49%▲ from 3.56%
- Sep 14, 20263.56%first recorded
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
CD Specials - 18 Month
$1,000
4.35%
▲ 1.13% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 1.13% 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
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificates of Deposit Regular - 18 Months
$0
4.30%
▲ 1.08% above Alabama avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 1.08% 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
No change since Oct 13, 2026 · 4.30% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
4.28%
▲ 1.06% above Alabama avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 1.06% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 18 Month Jumbo
$100,000
4.28%
▲ 1.06% above Alabama avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 1.06% above avgNationally 2.88%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.28% APY
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 18 Month
$1,000
4.26%
▲ 1.04% above Alabama avg
▼
Rate4.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 1.04% above avgNationally 2.88%
Details
IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity
Rate History
No change since Oct 10, 2026 · 4.26% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$1,000
4.23%
▲ 1.01% above Alabama avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 1.01% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 18 Month
$1,000
4.23%
▲ 1.01% above Alabama avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 1.01% above avgNationally 2.88%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.93% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.93% 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%
▲ 0.88% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.88% 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%
▲ 0.88% above Alabama avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.88% 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%
▲ 0.86% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.86% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
18 Month Business Certificates of Deposit
$500
4.05%
▲ 0.83% above Alabama avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.83% 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%
▲ 0.83% above Alabama avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.83% 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%
▲ 0.83% above Alabama avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.83% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Sep 27, 20264.05%▲ from 3.75%
- Sep 14, 20263.75%first recorded
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month C.D.
$1,000
4.01%
▲ 0.79% above Alabama avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.22%▲ 0.79% 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%
18 Month Certificate of Deposit
$500
3.95%
▲ 0.73% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.73% above avgNationally 2.88%
Details
Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 18 Months Fixed
$100,000
3.92%
▲ 0.70% above Alabama avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.70% above avgNationally 2.88%
Details
Compounding: dividend rate 3.85%, APY compounding 3.92%
Rate History
2 changes since Sep 14, 2026 · 3.71% → 3.92% ▲ 0.21 pts · high 3.92% / low 3.71%
- Oct 4, 20263.92%▲ from 3.82%
- Sep 18, 20263.82%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 18 Months Fixed
$100,000
3.85%
▲ 0.63% above Alabama avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.63% above avgNationally 2.88%
Details
Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85%
Rate History
3 changes since Sep 14, 2026 · 3.71% → 3.85% ▲ 0.14 pts · high 3.92% / low 3.71%
- Oct 12, 20263.85%▼ from 3.92%
- Oct 4, 20263.92%▲ from 3.82%
- Sep 18, 20263.82%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificates of Deposit
$0
3.80%
▲ 0.58% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.58% above avgNationally 2.88%
Details
Balance: $500.00 Minimum; Rates effective as of March 12, 2025
Rate History
No change since Oct 13, 2026 · 3.80% APY
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Share Certificates - 18 Month
$0
3.80%
▲ 0.58% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.58% above avgNationally 2.88%
Details
Interest Compound Period: Quarterly
Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 3.80% / low 3.80%
- Sep 22, 20263.80%▼ from 3.80%
- Sep 18, 20263.80%▼ from 3.80%
- Sep 14, 20263.80%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 18 Months
$1
3.80%
▲ 0.58% above Alabama avg
▼
RateN/A
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.58% above avgNationally 2.88%
Details
Penalty for early withdrawal applies
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month Certificate of Deposit
$0
3.75%
▲ 0.53% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.53% 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 and IRA Certificates of Deposit - 18 Months
$1,000
3.75%
▲ 0.53% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.53% above avgNationally 2.88%
Details
$1,000.00 minimum on all CDs; CDs pay interest quarterly unless the account pays monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.48% above Alabama avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.48% 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%
18 Month Certificate
$0
3.66%
▲ 0.44% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.22%▲ 0.44% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.66% APY
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 18 Months
$0
3.66%
▲ 0.44% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.22%▲ 0.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 2 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 18 Months Fixed
$1,000
3.60%
▲ 0.38% above Alabama avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.38% above avgNationally 2.88%
Details
Compounding: dividend rate 3.55%, APY compounding 3.60%
Rate History
2 changes since Sep 14, 2026 · 3.39% → 3.60% ▲ 0.21 pts · high 3.60% / low 3.39%
- Oct 4, 20263.60%▲ from 3.49%
- Sep 18, 20263.49%▲ from 3.39%
- Sep 14, 20263.39%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 18 Months Fixed
$0
3.60%
▲ 0.38% above Alabama avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.38% above avgNationally 2.88%
Details
Traditional IRAs and Roth IRA Certificates
Rate History
No change since Oct 12, 2026 · 3.60% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 18 Months Fixed
$1,000
3.55%
▲ 0.33% above Alabama avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.33% above avgNationally 2.88%
Details
Non-Compounding: dividend rate 3.55%, APY non-compounding 3.55%
Rate History
3 changes since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.60% / low 3.39%
- Oct 12, 20263.55%▼ from 3.60%
- Oct 4, 20263.60%▲ from 3.49%
- Sep 18, 20263.49%▲ from 3.39%
- Sep 14, 20263.39%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Jumbo Certificate
$250,000
3.55%
▲ 0.33% above Alabama avg
▼
Rate3.50%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.33% above avgNationally 2.88%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
CD Special 18 Month
$0
3.55%
▲ 0.33% above Alabama avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.33% above avgNationally 2.88%
Details
Share Certificate; dividends credited quarterly; substantial penalty for early withdrawal; no deposits after opening until maturity
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%
▲ 0.29% above Alabama avg
▼
Rate3.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.29% above avgNationally 2.88%
Details
Minimum $50,000.00
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%
▲ 0.28% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.28% above avgNationally 2.88%
Details
Penalties may apply for early withdrawals
Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 3 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 18 months
$0
3.50%
▲ 0.28% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.28% above avgNationally 2.88%
Details
Penalties may apply for early withdrawals
Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 3 times
Legacy Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
18 Month Certificate & IRA
$0
3.50%
▲ 0.28% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.28% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Term Share Certificate
$1,000
3.46%
▲ 0.24% above Alabama avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.24% above avgNationally 2.88%
Details
Minimum $1,000.00; Rates effective as of 10/01/2026
Rate History
3 changes since Sep 18, 2026 · 3.51% → 3.46% ▼ 0.05 pts · high 3.51% / low 3.46%
- Oct 13, 20263.46%▼ from 3.51%
- Oct 9, 20263.51%▲ from 3.46%
- Oct 5, 20263.46%▼ from 3.51%
- Sep 18, 20263.51%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month IRA Plus Certificates
$0
3.44%
▲ 0.22% above Alabama avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.22% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates Plus
$0
3.44%
▲ 0.22% above Alabama avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.22% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month IRA Certificate
$500
3.44%
▲ 0.22% above Alabama avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.22% above avgNationally 2.88%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 5 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Standard Certificate
$500
3.44%
▲ 0.22% above Alabama avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.22% above avgNationally 2.88%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 Month IRA
$500
3.40%
▲ 0.18% above Alabama avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.18% above avgNationally 2.88%
Details
Compound Frequency: Monthly; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Term Share Certificate - 18 Month
$500
3.40%
▲ 0.18% above Alabama avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.18% above avgNationally 2.88%
Details
Compound Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 18 Months
$500
3.35%
▲ 0.13% above Alabama avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.13% above avgNationally 2.88%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificates of Deposit - 18 months
$500
3.30%
▲ 0.08% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.08% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
18 Month CD
$0
3.30%
▲ 0.08% above Alabama avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.08% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Red Oak Credit Union
Institution Rating:
B3.8 ★Texas Ratio: 4.34%
18 Month Regular & IRA Certificates
$0
3.29%
▲ 0.07% above Alabama avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.07% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates - 18 month certificate
$1,000
3.25%
▲ 0.03% above Alabama avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.03% above avgNationally 2.88%
Details
Compounded Daily
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%
▲ 0.03% above Alabama avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.03% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.25% APY
Minter 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%
24 Month Share Certificates (CDs) - Jumbo
$1,000
4.82%
▲ 1.64% above Alabama avg
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 1.64% above avgNationally 2.88%
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.82% APY
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
24 Month Share Certificate
$500
4.49%
▲ 1.31% above Alabama avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 1.31% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.49% ▲ 0.93 pts · high 4.49% / low 3.56%
- Oct 13, 20264.49%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Month IRA
$0
4.40%
▲ 1.22% above Alabama avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 1.22% above avgNationally 2.88%
Details
IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- 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%
Certificates of Deposit Regular - 24 Months
$0
4.40%
▲ 1.22% above Alabama avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 1.22% 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
No change since Oct 13, 2026 · 4.40% APY
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24-Month Certificate of Deposit
$0
4.25%
▲ 1.07% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 1.07% above avgNationally 2.88%
Details
Guaranteed rate of return on a Certificate of Deposit
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 24 Month
$1,000
4.20%
▲ 1.02% above Alabama avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 1.02% above avgNationally 2.88%
Details
IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity
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%
Share Certificate - 24 Months
$500
4.20%
▲ 1.02% above Alabama avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 1.02% above avgNationally 2.88%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$100,000
4.13%
▲ 0.95% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.95% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 10, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 24 Month Jumbo
$100,000
4.13%
▲ 0.95% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.95% above avgNationally 2.88%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.13% APY
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
24 month IRA
$500
4.08%
▲ 0.90% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.90% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA
$1,000
4.07%
▲ 0.89% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.89% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 24 Month
$1,000
4.07%
▲ 0.89% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.89% above avgNationally 2.88%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 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%
▲ 0.88% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.18%▲ 0.88% above avgNationally 2.88%
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%
Jumbo Certificate - 24 Months Fixed
$100,000
4.02%
▲ 0.84% above Alabama avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.84% above avgNationally 2.88%
Details
Compounding: dividend rate 3.95%, APY compounding 4.02%
Rate History
2 changes since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
- Oct 4, 20264.02%▲ from 3.92%
- Sep 18, 20263.92%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.02%
▲ 0.84% above Alabama avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.84% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
- 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
4.02%
▲ 0.84% above Alabama avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.84% above avgNationally 2.88%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
24 Month Business Certificates of Deposit
$500
4.00%
▲ 0.82% above Alabama avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
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%
▲ 0.82% above Alabama avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
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%
▲ 0.82% above Alabama avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
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
$1,000
4.00%
▲ 0.82% above Alabama avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty
Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Regular and IRA Certificate of Deposit
$1,000
4.00%
▲ 0.82% above Alabama avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term
Rate History
No change since Oct 13, 2026 · 4.00% APY
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 24 months
$0
4.00%
▲ 0.82% above Alabama avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 24 months
$0
4.00%
▲ 0.82% above Alabama avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 4.00% APY
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 24 Month
$0
4.00%
▲ 0.82% above Alabama avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 27, 20264.00%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Neighborhood Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
24-Month Certificate
$0
3.97%
▲ 0.79% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.79% above avgNationally 2.88%
Details
Promotional banner: earn up to 3.97% APY on 24-month certificate; membership eligibility required; rates subject to change
Rate History
No change since Sep 17, 2026 · 3.97% APY · checked 7 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 24 Months Fixed
$100,000
3.95%
▲ 0.77% above Alabama avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.77% above avgNationally 2.88%
Details
Non-Compounding: dividend rate 3.95%, APY non-compounding 3.95%
Rate History
3 changes since Sep 14, 2026 · 3.82% → 3.95% ▲ 0.13 pts · high 4.02% / low 3.82%
- Oct 12, 20263.95%▼ from 4.02%
- Oct 4, 20264.02%▲ from 3.92%
- Sep 18, 20263.92%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 24 Month
$0
3.86%
▲ 0.68% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.68% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
- Oct 9, 20263.86%▲ from 3.81%
- Sep 25, 20263.81%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Certificate of Deposit
$500
3.85%
▲ 0.67% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.67% above avgNationally 2.88%
Details
Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
24 month CD
$1,000
3.82%
▲ 0.64% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.64% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month IRA Certificates
$0
3.82%
▲ 0.64% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.64% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
- Oct 9, 20263.82%▲ from 3.81%
- Oct 5, 20263.81%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate - Roth Executive
$100,000
3.80%
▲ 0.62% above Alabama avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.62% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate - Traditional Executive
$100,000
3.80%
▲ 0.62% above Alabama avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.62% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Certificate - 24 Months
$500
3.80%
▲ 0.62% above Alabama avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.62% above avgNationally 2.88%
Details
Dividends compounded and paid quarterly; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Business Share Certificates - 2 Year
$0
3.80%
▲ 0.62% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.62% above avgNationally 2.88%
Details
Interest Compound Period: Quarterly
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
24 Month Youth Certificates
$0
3.75%
▲ 0.57% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.57% above avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 3 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Youth Certificates - 24 months
$0
3.75%
▲ 0.57% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.57% above avgNationally 2.88%
Details
APY includes .25% Club Benefit Earned payment; youth certificate for members age 17 and under; Club Benefit payments discontinue at age 18
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Share Certificates - 2 Year
$0
3.75%
▲ 0.57% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.57% above avgNationally 2.88%
Details
Interest Compound Period: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
24 Month IRA Share Certificate
$1,000
3.75%
▲ 0.57% above Alabama avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.57% above avgNationally 2.88%
Details
Minimum balance to earn APY: Any Balance
Rate History
1 change since Sep 14, 2026 · 2.53% → 3.75% ▲ 1.22 pts · high 3.75% / low 2.53%
- 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
3.75%
▲ 0.57% above Alabama avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.57% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 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%
▲ 0.57% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.57% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 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%
▲ 0.52% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.52% 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 · 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%
▲ 0.52% above Alabama avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.52% above avgNationally 2.88%
Details
Compounding: dividend rate 3.65%, APY compounding 3.70%
Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
- Oct 4, 20263.70%▲ from 3.60%
- Sep 18, 20263.60%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 24 Months Fixed
$0
3.70%
▲ 0.52% above Alabama avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.52% above avgNationally 2.88%
Details
Traditional IRAs and Roth IRA Certificates
Rate History
No change since Oct 12, 2026 · 3.70% APY
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate - Roth Premier
$10,000
3.70%
▲ 0.52% above Alabama avg
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.52% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate - Traditional Premier
$10,000
3.70%
▲ 0.52% above Alabama avg
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.52% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 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 (CD)
$1,000
3.70%
▲ 0.52% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.52% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
- Oct 9, 20263.70%▲ from 3.65%
- Sep 14, 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%
▲ 0.49% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.49% above avgNationally 2.88%
Details
Jumbo; dividends compounded daily and credited monthly; early withdrawal penalties apply
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%
▲ 0.48% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.48% 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 · 3.66% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 24 Months Fixed
$1,000
3.65%
▲ 0.47% above Alabama avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.47% above avgNationally 2.88%
Details
Non-Compounding: dividend rate 3.65%, APY non-compounding 3.65%
Rate History
3 changes since Sep 14, 2026 · 3.49% → 3.65% ▲ 0.16 pts · high 3.70% / low 3.49%
- Oct 12, 20263.65%▼ from 3.70%
- Oct 4, 20263.70%▲ from 3.60%
- Sep 18, 20263.60%▲ from 3.49%
- Sep 14, 20263.49%first recorded
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
24-Month IRA CD
$0
3.65%
▲ 0.47% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.47% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.24% → 3.65% ▲ 0.41 pts · high 3.65% / low 3.24%
- Oct 9, 20263.65%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Minter 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%
36 Month Share Certificates (CDs) - Jumbo
$1,000
4.93%
▲ 1.88% above Alabama avg
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.88% above avgNationally 2.81%
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.93% APY
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
36 Month IRA
$0
4.60%
▲ 1.55% above Alabama avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.55% above avgNationally 2.81%
Details
IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- 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%
Certificates of Deposit Regular - 36 Months
$0
4.60%
▲ 1.55% above Alabama avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.55% 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
No change since Oct 13, 2026 · 4.60% APY
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 36 Month
$1,000
4.26%
▲ 1.21% above Alabama avg
▼
Rate4.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.21% above avgNationally 2.81%
Details
IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity
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%
▲ 1.20% above Alabama avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.20% above avgNationally 2.81%
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%
Share Certificate - 36 Months
$500
4.20%
▲ 1.15% above Alabama avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.15% above avgNationally 2.81%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 Year C.D.
$1,000
4.16%
▲ 1.11% above Alabama avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.05%▲ 1.11% above avgNationally 2.81%
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%
▲ 1.10% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.10% above avgNationally 2.81%
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%
Jumbo Certificate - 36 Months Fixed
$100,000
4.13%
▲ 1.08% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 1.08% above avgNationally 2.81%
Details
Compounding: dividend rate 4.05%, APY compounding 4.13%
Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- 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 IRA Jumbo
$100,000
4.13%
▲ 1.08% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 10, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 36 Month Jumbo
$100,000
4.13%
▲ 1.08% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.08% above avgNationally 2.81%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.13% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.05% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.05% above avgNationally 2.81%
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%
▲ 1.02% above Alabama avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.02% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 13, 20264.07%▲ from 3.56%
- Sep 14, 20263.56%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA
$1,000
4.07%
▲ 1.02% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.02% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 36 Month
$1,000
4.07%
▲ 1.02% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.02% above avgNationally 2.81%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 36 Months Fixed
$100,000
4.05%
▲ 1.00% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 1.00% above avgNationally 2.81%
Details
Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05%
Rate History
3 changes since Sep 14, 2026 · 3.92% → 4.05% ▲ 0.13 pts · high 4.13% / low 3.92%
- Oct 12, 20264.05%▼ from 4.13%
- Oct 4, 20264.13%▲ from 4.02%
- Sep 18, 20264.02%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 36 Month
$0
4.05%
▲ 1.00% above Alabama avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.00% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.05% ▲ 0.39 pts · high 4.05% / low 3.66%
- Sep 27, 20264.05%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.02%
▲ 0.97% above Alabama avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.97% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
- 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
4.02%
▲ 0.97% above Alabama avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.97% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Business Share Certificate/CD
$1,000
4.00%
▲ 0.95% above Alabama avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty
Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Regular and IRA Certificate of Deposit
$1,000
4.00%
▲ 0.95% above Alabama avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term
Rate History
No change since Oct 13, 2026 · 4.00% APY
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 36 months
$0
4.00%
▲ 0.95% above Alabama avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 36 months
$0
4.00%
▲ 0.95% above Alabama avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 4.00% APY
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
36 Month Business Certificates of Deposit
$500
3.90%
▲ 0.85% above Alabama avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 0.85% above avgNationally 2.81%
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%
▲ 0.85% above Alabama avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 0.85% above avgNationally 2.81%
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month IRA Certificates
$0
3.86%
▲ 0.81% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.81% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
- Oct 9, 20263.86%▲ from 3.81%
- Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 36 Month
$0
3.86%
▲ 0.81% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.81% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
- Oct 9, 20263.86%▲ from 3.81%
- Sep 21, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
36 Month IRA Share Certificate
$1,000
3.85%
▲ 0.80% above Alabama avg
▼
Rate3.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.80% above avgNationally 2.81%
Details
Minimum balance to earn APY: Any Balance
Rate History
1 change since Sep 14, 2026 · 2.53% → 3.85% ▲ 1.32 pts · high 3.85% / low 2.53%
- 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
3.85%
▲ 0.80% above Alabama avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.80% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.85% APY
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
36 month CD
$1,000
3.82%
▲ 0.77% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.77% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 36 Months Fixed
$1,000
3.80%
▲ 0.75% above Alabama avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.75% above avgNationally 2.81%
Details
Compounding: dividend rate 3.75%, APY compounding 3.80%
Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- Oct 4, 20263.80%▲ from 3.70%
- Sep 18, 20263.70%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 36 Months Fixed
$0
3.80%
▲ 0.75% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.75% above avgNationally 2.81%
Details
Traditional IRAs and Roth IRA Certificates
Rate History
No change since Oct 12, 2026 · 3.80% APY
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Year Elite Share Certificate
$10,000
3.80%
▲ 0.75% above Alabama avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.75% above avgNationally 2.81%
Details
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 (CD)
$1,000
3.80%
▲ 0.75% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.75% above avgNationally 2.81%
Details
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
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 36 Months Fixed
$1,000
3.75%
▲ 0.70% above Alabama avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75%
Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60%
- Oct 12, 20263.75%▼ from 3.80%
- Oct 4, 20263.80%▲ from 3.70%
- Sep 18, 20263.70%▲ from 3.60%
- Sep 14, 20263.60%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month IRA Plus Certificates
$0
3.75%
▲ 0.70% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificates Plus
$0
3.75%
▲ 0.70% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Certificate of Deposit
$500
3.75%
▲ 0.70% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 36 month
$1,000
3.75%
▲ 0.70% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 36 Months Fixed
$0
3.70%
▲ 0.65% above Alabama avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.65% above avgNationally 2.81%
Details
Compounding: dividend rate 3.65%, APY compounding 3.70%
Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
- Oct 4, 20263.70%▲ from 3.60%
- Sep 18, 20263.60%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 36 Months Fixed
$0
3.65%
▲ 0.60% above Alabama avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.60% above avgNationally 2.81%
Details
Non-Compounding: dividend rate 3.65%, APY non-compounding 3.65%
Rate History
3 changes since Sep 14, 2026 · 3.49% → 3.65% ▲ 0.16 pts · high 3.70% / low 3.49%
- Oct 12, 20263.65%▼ from 3.70%
- Oct 4, 20263.70%▲ from 3.60%
- Sep 18, 20263.60%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share and IRA Certificates of Deposit - 36 Months
$1,000
3.65%
▲ 0.60% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 0.60% above avgNationally 2.81%
Details
$1,000.00 minimum on all CDs; CDs pay interest quarterly unless the account pays monthly
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 36 Months
$1
3.60%
▲ 0.55% above Alabama avg
▼
RateN/A
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.55% above avgNationally 2.81%
Details
Penalty for early withdrawal applies
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
36 Month IRA
$500
3.60%
▲ 0.55% above Alabama avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 0.55% above avgNationally 2.81%
Details
Compound Frequency: Monthly; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Term Share Certificate - 36 Month
$500
3.60%
▲ 0.55% above Alabama avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 0.55% above avgNationally 2.81%
Details
Compound Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
36 Month Share Certificate
$500
3.55%
▲ 0.50% above Alabama avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
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 IRA Certificate - Roth Executive
$100,000
3.55%
▲ 0.50% above Alabama avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year IRA Certificate - Traditional Executive
$100,000
3.55%
▲ 0.50% above Alabama avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificates
$0
3.55%
▲ 0.50% above Alabama avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3 Year Share Certificates
$0
3.55%
▲ 0.50% above Alabama avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details
Balance: $1,000,000.00 +
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Minter 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%
Certificates of Deposit Regular - 48 Months
$0
4.70%
▲ 1.80% above Alabama avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 1.80% above avgNationally 2.80%
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
No change since Oct 13, 2026 · 4.70% APY
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 48 Month
$1,000
4.31%
▲ 1.41% above Alabama avg
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.41% above avgNationally 2.80%
Details
IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity
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%
▲ 1.32% above Alabama avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average2.90%▲ 1.32% above avgNationally 2.80%
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%
Share Certificate - 48 Months
$500
4.20%
▲ 1.30% above Alabama avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.30% above avgNationally 2.80%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$100,000
4.18%
▲ 1.28% above Alabama avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 1.28% above avgNationally 2.80%
Details
Compounding: dividend rate 4.10%, APY compounding 4.18%
Rate History
2 changes since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
- 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 IRA Jumbo
$100,000
4.13%
▲ 1.23% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.23% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- Oct 10, 20264.13%▲ from 3.92%
- Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 48 Month Jumbo
$100,000
4.13%
▲ 1.23% above Alabama avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.23% above avgNationally 2.80%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.13% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$100,000
4.10%
▲ 1.20% above Alabama avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 1.20% above avgNationally 2.80%
Details
Non-Compounding: dividend rate 4.10%, APY non-compounding 4.10%
Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.10% ▲ 0.13 pts · high 4.18% / low 3.97%
- Oct 12, 20264.10%▼ from 4.18%
- Oct 4, 20264.18%▲ from 4.07%
- Sep 18, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 48 Month
$0
4.10%
▲ 1.20% above Alabama avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.20% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.10% ▲ 0.44 pts · high 4.10% / low 3.66%
- Sep 27, 20264.10%▲ from 3.66%
- Sep 14, 20263.66%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$1,000
4.07%
▲ 1.17% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.17% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 10, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 48 Month
$1,000
4.07%
▲ 1.17% above Alabama avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.17% above avgNationally 2.80%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 10, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97%
▲ 1.07% above Alabama avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 1.07% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- 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
3.97%
▲ 1.07% above Alabama avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 1.07% above avgNationally 2.80%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
48 Month Business Certificates of Deposit
$500
3.85%
▲ 0.95% above Alabama avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
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%
▲ 0.95% above Alabama avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
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%
Share Certificate - 48 Months Fixed
$1,000
3.85%
▲ 0.95% above Alabama avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details
Compounding: dividend rate 3.80%, APY compounding 3.85%
Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 4, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 48 Months Fixed
$0
3.85%
▲ 0.95% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details
Traditional IRAs and Roth IRA Certificates
Rate History
No change since Oct 12, 2026 · 3.85% APY
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month IRA Plus Certificates
$0
3.85%
▲ 0.95% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates Plus
$0
3.85%
▲ 0.95% above Alabama avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month Certificate of Deposit
$500
3.85%
▲ 0.95% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details
Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 13, 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%
▲ 0.92% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.92% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
3.81%
▲ 0.91% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.91% above avgNationally 2.80%
Details
Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.81%
▲ 0.91% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.91% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
- Sep 21, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 48 Months Fixed
$1,000
3.80%
▲ 0.90% above Alabama avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.90% above avgNationally 2.80%
Details
Non-Compounding: dividend rate 3.80%, APY non-compounding 3.80%
Rate History
3 changes since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.85% / low 3.65%
- Oct 12, 20263.80%▼ from 3.85%
- Oct 4, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 48 Months Fixed
$0
3.75%
▲ 0.85% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.85% above avgNationally 2.80%
Details
Compounding: dividend rate 3.70%, APY compounding 3.75%
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- 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%
▲ 0.85% above Alabama avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.85% above avgNationally 2.80%
Details
Minimum balance to earn APY: Any Balance
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%
▲ 0.85% above Alabama avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.85% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 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%
▲ 0.85% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.85% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 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
$0
3.70%
▲ 0.80% above Alabama avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.80% above avgNationally 2.80%
Details
Non-Compounding: dividend rate 3.70%, APY non-compounding 3.70%
Rate History
3 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.75% / low 3.55%
- Oct 12, 20263.70%▼ from 3.75%
- Oct 4, 20263.75%▲ from 3.65%
- Sep 18, 20263.65%▲ from 3.55%
- Sep 14, 20263.55%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates
$0
3.65%
▲ 0.75% above Alabama avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.75% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share and IRA Certificates of Deposit - 48 Months
$1,000
3.65%
▲ 0.75% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.75% above avgNationally 2.80%
Details
$1,000.00 minimum on all CDs; CDs pay interest quarterly unless the account pays monthly
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 Month IRA
$500
3.65%
▲ 0.75% above Alabama avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.75% above avgNationally 2.80%
Details
Compound Frequency: Monthly; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Term Share Certificate - 48 Month
$500
3.65%
▲ 0.75% above Alabama avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.75% above avgNationally 2.80%
Details
Compound Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Business Share Certificates - 4 Year
$0
3.55%
▲ 0.65% above Alabama avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.65% above avgNationally 2.80%
Details
Interest Compound Period: Quarterly
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
48 Month Share Certificate
$500
3.50%
▲ 0.60% above Alabama avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.60% above avgNationally 2.80%
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%
▲ 0.60% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.60% above avgNationally 2.80%
Details
Penalties may apply for early withdrawals
Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 3 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 48 months
$0
3.50%
▲ 0.60% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.60% above avgNationally 2.80%
Details
Penalties may apply for early withdrawals
Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 3 times
Legacy Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
48 Month Certificate & IRA
$0
3.50%
▲ 0.60% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.60% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$0
3.40%
▲ 0.50% above Alabama avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.50% above avgNationally 2.80%
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%
▲ 0.49% above Alabama avg
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.49% above avgNationally 2.80%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 5 times
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 48 Month Term
$0
3.35%
▲ 0.45% above Alabama avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.45% above avgNationally 2.80%
Details
Dividends compounded daily and credited monthly; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Certificate
$500
3.34%
▲ 0.44% above Alabama avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.44% above avgNationally 2.80%
Details
Standard Certificates
Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
48 Month Certificate
$0
3.30%
▲ 0.40% above Alabama avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.40% above avgNationally 2.80%
Details
Rate History
No change since Oct 9, 2026 · 3.30% APY
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 48 Months
$0
3.30%
▲ 0.40% above Alabama avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.40% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Certificate - 48 Months
$500
3.29%
▲ 0.39% above Alabama avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.39% above avgNationally 2.80%
Details
Dividends compounded and paid quarterly; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
48-Month IRA CD
$0
3.29%
▲ 0.39% above Alabama avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.39% above avgNationally 2.80%
Details
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
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48 Month IRA Certificate
$500
3.29%
▲ 0.39% above Alabama avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.39% above avgNationally 2.80%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 5 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48 Month Standard Certificate
$500
3.29%
▲ 0.39% above Alabama avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.39% above avgNationally 2.80%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
48 Month Share Certificates
$0
3.25%
▲ 0.35% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.35% above avgNationally 2.80%
Details
Rate History
1 change since Sep 30, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
- Oct 14, 20263.25%▼ from 3.50%
- Sep 30, 20263.50%first recorded
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Certificate of Deposit - 4 year
$1,000
3.25%
▲ 0.35% above Alabama avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.35% above avgNationally 2.80%
Details
Certificates of Deposit and IRAs; Rates as of February 23, 2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Minter 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%
60 Month Share Certificates (CDs) - Jumbo
$1,000
4.95%
▲ 1.81% above Alabama avg
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.81% above avgNationally 2.91%
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.95% APY
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
60 Month IRA
$0
4.70%
▲ 1.56% above Alabama avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.56% above avgNationally 2.91%
Details
IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest
Rate History
1 change since Sep 14, 2026 · 4.25% → 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 Share Certificates - Jumbo Rate
$100,000
4.61%
▲ 1.47% above Alabama avg
▼
Rate4.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.47% above avgNationally 2.91%
Details
$100,000+; Compound Period: Quarterly
Rate History
No change since Oct 14, 2026 · 4.61% APY
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Share Certificate Jumbo - 54-60 Months
$100,000
4.61%
▲ 1.47% above Alabama avg
▼
Rate4.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.47% above avgNationally 2.91%
Details
Jumbo Rate $100,000+ deposit; Compound Period: Quarterly
Rate History
No change since Oct 14, 2026 · 4.61% APY
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate - Roth
$500
4.60%
▲ 1.46% above Alabama avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.46% above avgNationally 2.91%
Details
Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 13, 20264.60%▲ from 3.40%
- Oct 9, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate - Traditional
$500
4.60%
▲ 1.46% above Alabama avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.46% above avgNationally 2.91%
Details
Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 13, 20264.60%▲ from 3.40%
- Oct 9, 20263.40%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
54 - 60 Month Share Certificates
$2,500
4.50%
▲ 1.36% above Alabama avg
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.36% above avgNationally 2.91%
Details
Compound Period: Quarterly
Rate History
1 change since Sep 18, 2026 · 4.13% → 4.50% ▲ 0.37 pts · high 4.50% / low 4.13%
- Oct 14, 20264.50%▲ from 4.13%
- Sep 18, 20264.13%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Share Certificates - 54-60 Months
$500
4.50%
▲ 1.36% above Alabama avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.36% above avgNationally 2.91%
Details
Compound Period: Quarterly
Rate History
No change since Oct 14, 2026 · 4.50% APY
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 60 Month
$1,000
4.36%
▲ 1.22% above Alabama avg
▼
Rate4.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.22% above avgNationally 2.91%
Details
IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity
Rate History
No change since Oct 10, 2026 · 4.36% APY · checked 2 times
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Year C.D.
$1,000
4.32%
▲ 1.18% above Alabama avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.14%▲ 1.18% above avgNationally 2.91%
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 Jumbo
$100,000
4.28%
▲ 1.14% above Alabama avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.14% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 60 Month Jumbo
$100,000
4.28%
▲ 1.14% above Alabama avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.14% above avgNationally 2.91%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.28% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 60 Months Fixed
$100,000
4.23%
▲ 1.09% above Alabama avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 1.09% above avgNationally 2.91%
Details
Compounding: dividend rate 4.15%, APY compounding 4.23%
Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.23% ▲ 0.21 pts · high 4.23% / low 4.02%
- Oct 4, 20264.23%▲ from 4.13%
- Sep 18, 20264.13%▲ from 4.02%
- Sep 14, 20264.02%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA
$1,000
4.23%
▲ 1.09% above Alabama avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.09% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 60 Month
$1,000
4.23%
▲ 1.09% above Alabama avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.09% above avgNationally 2.91%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 60 Months
$500
4.20%
▲ 1.06% above Alabama avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.06% above avgNationally 2.91%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 60 Months Fixed
$100,000
4.15%
▲ 1.01% above Alabama avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 1.01% above avgNationally 2.91%
Details
Non-Compounding: dividend rate 4.15%, APY non-compounding 4.15%
Rate History
3 changes since Sep 14, 2026 · 4.02% → 4.15% ▲ 0.13 pts · high 4.23% / low 4.02%
- Oct 12, 20264.15%▼ from 4.23%
- Oct 4, 20264.23%▲ from 4.13%
- Sep 18, 20264.13%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 60 Month
$0
4.15%
▲ 1.01% above Alabama avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.01% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.15% ▲ 0.54 pts · high 4.15% / low 3.61%
- Sep 27, 20264.15%▲ from 3.61%
- Sep 14, 20263.61%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month IRA Plus Certificates
$0
4.01%
▲ 0.87% above Alabama avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.87% above avgNationally 2.91%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates Plus
$0
4.01%
▲ 0.87% above Alabama avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.87% above avgNationally 2.91%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.00%
▲ 0.86% above Alabama avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.00%
▲ 0.86% above Alabama avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.91%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
5 year Elite Share Certificate
$10,000
4.00%
▲ 0.86% above Alabama avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.91%
Details
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 (CD)
$1,000
4.00%
▲ 0.86% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.91%
Details
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
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 60 Months Fixed
$1,000
3.91%
▲ 0.77% above Alabama avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.77% above avgNationally 2.91%
Details
Compounding: dividend rate 3.85%, APY compounding 3.91%
Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
- Oct 4, 20263.91%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 60 Months Fixed
$0
3.91%
▲ 0.77% above Alabama avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.77% above avgNationally 2.91%
Details
Traditional IRAs and Roth IRA Certificates
Rate History
No change since Oct 12, 2026 · 3.91% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.76% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.76% above avgNationally 2.91%
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%
▲ 0.71% above Alabama avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.91%
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%
▲ 0.71% above Alabama avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.91%
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%
▲ 0.71% above Alabama avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.91%
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
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 60 Months Fixed
$1,000
3.85%
▲ 0.71% above Alabama avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.91%
Details
Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85%
Rate History
3 changes since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.91% / low 3.70%
- Oct 12, 20263.85%▼ from 3.91%
- Oct 4, 20263.91%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month Certificate of Deposit
$500
3.85%
▲ 0.71% above Alabama avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.91%
Details
Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 13, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month IRA Certificates
$0
3.84%
▲ 0.70% above Alabama avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.70% above avgNationally 2.91%
Details
Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 60 Month
$0
3.84%
▲ 0.70% above Alabama avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.70% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
60 month CD
$1,000
3.82%
▲ 0.68% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.68% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 60 Months Fixed
$0
3.80%
▲ 0.66% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.66% above avgNationally 2.91%
Details
Compounding: dividend rate 3.75%, APY compounding 3.80%
Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- Oct 4, 20263.80%▲ from 3.70%
- Sep 18, 20263.70%▲ from 3.60%
- Sep 14, 20263.60%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates
$0
3.80%
▲ 0.66% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.66% above avgNationally 2.91%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 60 Months Fixed
$0
3.75%
▲ 0.61% above Alabama avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.91%
Details
Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75%
Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60%
- Oct 12, 20263.75%▼ from 3.80%
- Oct 4, 20263.80%▲ from 3.70%
- Sep 18, 20263.70%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
60 Month IRA Share Certificate
$1,000
3.75%
▲ 0.61% above Alabama avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.91%
Details
Minimum balance to earn APY: Any Balance
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%
▲ 0.61% above Alabama avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 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%
▲ 0.61% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
60 Month IRA
$500
3.70%
▲ 0.56% above Alabama avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.91%
Details
Compound Frequency: Monthly; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Term Share Certificate - 60 Month
$500
3.70%
▲ 0.56% above Alabama avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.91%
Details
Compound Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60 Month Jumbo Certificate
$250,000
3.65%
▲ 0.51% above Alabama avg
▼
Rate3.60%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.51% above avgNationally 2.91%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share and IRA Certificates of Deposit - 60 Months
$1,000
3.65%
▲ 0.51% above Alabama avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.51% above avgNationally 2.91%
Details
$1,000.00 minimum on all CDs; CDs pay interest quarterly unless the account pays monthly
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Local Bank Red Level, AL
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
60 Month Certificate of Deposit
$0
3.60%
▲ 0.46% above Alabama avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.14%▲ 0.46% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60 Month IRA Certificate
$500
3.55%
▲ 0.41% above Alabama avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.41% above avgNationally 2.91%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60 Month Roth IRA Certificate
$500
3.55%
▲ 0.41% above Alabama avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.41% above avgNationally 2.91%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60 Month Standard Certificate
$500
3.55%
▲ 0.41% above Alabama avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.41% above avgNationally 2.91%
Details
Effective 10/9/26 - 10/15/26; Share Savings account required
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Business Share Certificates - 5 Year
$0
3.55%
▲ 0.41% above Alabama avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.41% above avgNationally 2.91%
Details
Interest Compound Period: Quarterly
Rate History
No change since Oct 9, 2026 · 3.55% 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.
Minter, AL CD Rate Trends
Compare local Minter, 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
3.305%
▲ 0.034 vs 7 days ago
Alabama 12-month CD rates rose 0.034 points over the past 7 days to 3.305% APY.
6-Month CD AL Avg
3.189%
▲ 0.023 vs 7 days ago
Alabama 6-month CD rates rose 0.023 points over the past 7 days to 3.189% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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AL CD Rate Forecast, Next 12 Months
Where are Alabama CD rates headed through 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
3.305%
6-Month Forecast
3.305%
Range: 3.11%, 3.46%
12-Month Forecast
3.555%
Range: 3.36%, 3.71%
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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 | 2.081% | $104.04 | $208.08 | $520.20 | $1,040.40 |
| 6-Month CD | 3.189% | $159.42 | $318.85 | $797.12 | $1,594.25 |
| 12-Month CD | 3.305% | $165.26 | $330.52 | $826.30 | $1,652.60 |
| 18-Month CD | 3.224% | $161.18 | $322.36 | $805.90 | $1,611.80 |
| 24-Month CD | 3.184% | $159.20 | $318.39 | $795.98 | $1,591.95 |
| 36-Month CD | 3.048% | $152.38 | $304.76 | $761.90 | $1,523.80 |
| 48-Month CD | 2.903% | $145.15 | $290.30 | $725.75 | $1,451.50 |
| 60-Month CD | 3.138% | $156.92 | $313.83 | $784.58 | $1,569.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Minter, 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 | 2.081% | $104.04 |
| 2 | 6-Month CD | $5,000 | 3.189% | $159.42 |
| 3 | 12-Month CD | $5,000 | 3.305% | $165.26 |
| 4 | 24-Month CD | $5,000 | 3.184% | $159.20 |
| 5 | 36-Month CD | $5,000 | 3.048% | $152.38 |
| Total ($25,000 invested) | $25,000 | 2.961% blended | $740.30/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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909
CD Rates
Tracked in Minter, Alabama
Tracked in Minter, Alabama
19 Banks
73 Credit Unions
About Our Minter, Alabama CD Rate Database
MonitorBankRates tracks 909 CD rates from 19 banks and 73 credit unions with locations in Minter, 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 Minter, Alabama.
How to Find the Best CD Rates in Minter, Alabama
What to compare when shopping for a CD in Minter, Alabama
To find the best APYs in Minter, Alabama, start with credit unions and online-only banks: Minter, Alabama has 73 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 Minter, 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 Minter, Alabama: 92 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Minter, 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 Minter, 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
$134/yr
At AL 12-mo avg 3.305% 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 3.305%, saving 10% of the local median salary ($4,060/year) and putting it in a CD would earn an additional $134 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 Minter, 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 Minter, 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 Minter, 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 Minter, Alabama as everywhere in the U.S.
Choosing a CD Term in Minter, 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 Minter, Alabama savers easier access to their funds. For example, Service 1 Federal Credit Union is offering its 6 Month Share Certificates at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its 60 Month Share Certificates (CDs) - Jumbo 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 Minter, 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 Minter, 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 Minter, 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 Minter, 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 Minter, Alabama
Most CDs carry a fixed rate that is locked for the entire term, protecting a Minter, 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 Minter, Alabama
Are CD rates in Minter, Alabama FDIC insured?
Yes, most established banks in Minter, 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 Minter, 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 Minter, 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 Minter, 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 Minter, Alabama?
Here are recent top rates found for this area:
- Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
- Birmingham City Credit Union: 5.00% APY (18 Month Share Certificate)
- Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Share Certificates (CDs) - Jumbo)
- Service 1 Federal Credit Union: 4.75% APY (6 Month Share Certificates)
- Federal Employees Credit Union: 4.70% APY (60 Month IRA)
- Auburn University Credit Union: 4.61% APY (54 - 60 Month Share Certificates - Jumbo Rate)
- Honda Federal Credit Union: 4.60% APY (5 Year IRA Certificate - Roth)
- Weyco Community Credit Union: 4.49% APY (18 Month Share 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 Minter, Alabama. Last Updated: October 14, 2026
Minter, 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 Minter, 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 Minter, Alabama
Minter, 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.
Minter, Alabama CD LadderAL CD rates currently range from 2.081% (3-month) to 3.048% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Minter, 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 3.305% 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 Minter, 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 Minter, 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 Minter, 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 14, 2026
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