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Sheffield, Alabama Best CD Rates August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: August 28, 2026

Current Sheffield, Alabama CD rates include Electrical Workers No 558 Federal Credit UnionElectrical Workers No 558 Federal Credit Union1705 E 17th St, Sheffield, AL 35660 2517A+5.0 ★Texas Ratio: 0.01%Real return: +0.95%APY minus CPI (February 2026) offering 18 Month Certificate at 3.75% APY, Northeast Alabama Postal FCUNortheast Alabama Postal FCUA+5.0 ★Texas Ratio: 5.65%Real return: +1.54%APY minus CPI (February 2026) offering 90 Days Special at 4.34% APY, F&M Bank Piedmont, ALF&M Bank Piedmont, ALA+5.0 ★Texas Ratio: 2.03%Real return: +1.52%APY minus CPI (February 2026) offering 5 Year C.D. at 4.32% APY, All In Credit UnionAll In Credit UnionA5.0 ★Texas Ratio: 10.02%Real return: +1.48%APY minus CPI (February 2026) offering 18 Month IRA Jumbo at 4.28% APY, and Federal Employees Credit UnionFederal Employees Credit UnionA+5.0 ★Texas Ratio: 5.58%Real return: +1.45%APY minus CPI (February 2026) offering 48 Months at 4.25% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.

Sheffield has 7 local institutions in our database, with CD rates as high as 3.75% APY from Electrical Workers No 558 Federal Credit Union at 1705 E 17th St, Sheffield, AL 35660 2517. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Alabama area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026

Compare Best CD Rates in Sheffield, Alabama & the Surrounding Area

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

Sheffield 3 Month CD Rates

Alabama 3 Month CD Average1.25% APYNational 1.96%▼ 0.36% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
90 Days Special
$0
4.34% ▲ 3.09% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▲ 3.09% above avgNationally 1.96%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
3 Month IRA Jumbo
$100,000
3.66% ▲ 2.41% above Alabama avg
View
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▲ 2.41% above avgNationally 1.96%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
3 Month IRA
$1,000
3.56% ▲ 2.31% above Alabama avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▲ 2.31% above avgNationally 1.96%
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month CD
$500
3.55% ▲ 2.30% above Alabama avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▲ 2.30% above avgNationally 1.96%
Details

Account matures in 3 months.

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month Share/IRA Certificate
$1,000
3.30% ▲ 2.05% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▲ 2.05% above avgNationally 1.96%
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
90 Days
$0
3.25% ▲ 2.00% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▲ 2.00% above avgNationally 1.96%
Details

Paid At Maturity

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month
$0
2.52% ▲ 1.27% above Alabama avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▲ 1.27% above avgNationally 1.96%
Details

Interest Compound Period: Quarterly

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 3 Month
$0
2.27% ▲ 1.02% above Alabama avg
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▲ 1.02% above avgNationally 1.96%
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
3 month
$0
2.10% ▲ 0.85% above Alabama avg
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▲ 0.85% above avgNationally 1.96%
Details

Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 Months
$0
2.00% ▲ 0.75% above Alabama avg
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▲ 0.75% above avgNationally 1.96%
Details

F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
90 Day C.D.
$1,000
0.50% ▼ 0.75% below Alabama avg
View
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▼ 0.75% below avgNationally 1.96%
Details

Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 39.73%
3 Month CD
$0
0.25% ▼ 1.00% below Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▼ 1.00% below avgNationally 1.96%
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
90 Day
$500
0.20% ▼ 1.05% below Alabama avg
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▼ 1.05% below avgNationally 1.96%
Details

Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
3 Month Certificate
$0
0.15% ▼ 1.10% below Alabama avg
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▼ 1.10% below avgNationally 1.96%
Details

New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
90 Days Certificate
$500
0.10% ▼ 1.15% below Alabama avg
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▼ 1.15% below avgNationally 1.96%
Details

Early Withdrawal Penalty: 3 Months Dividend

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06% ▼ 1.19% below Alabama avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▼ 1.19% below avgNationally 1.96%
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.19% below Alabama avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▼ 1.19% below avgNationally 1.96%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.20% below Alabama avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▼ 1.20% below avgNationally 1.96%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.05% ▼ 1.20% below Alabama avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▼ 1.20% below avgNationally 1.96%
Details

Relationship Interest Rate 0.06%

Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
90 Day CD
$500
0.03% ▼ 1.22% below Alabama avg
View
▼
Rate0.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▼ 1.22% below avgNationally 1.96%
Details

Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
90 Day Jumbo CD
$100,000
0.03% ▼ 1.22% below Alabama avg
View
▼
Rate0.03%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average1.25%▼ 1.22% below avgNationally 1.96%
Details

Sheffield 6 Month CD Rates

Alabama 6 Month CD Average2.51% APYNational 2.67%▼ 0.26% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
6 Month Certificate
$0
3.30% ▲ 0.79% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.79% above avgNationally 2.67%
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month IRA
$0
4.10% ▲ 1.59% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.59% above avgNationally 2.67%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6 Month IRA Jumbo
$100,000
4.07% ▲ 1.56% above Alabama avg
View
▼
Rate4.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.56% above avgNationally 2.67%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6 Month IRA
$1,000
4.02% ▲ 1.51% above Alabama avg
View
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.51% above avgNationally 2.67%
Details

New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
180 Days Certificate
$500
4.00% ▲ 1.49% above Alabama avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.49% above avgNationally 2.67%
Details

Early Withdrawal Penalty: 3 Months Dividend

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Loyalty Share Certificates 6 Month
$10,000
3.85% ▲ 1.34% above Alabama avg
View
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.34% above avgNationally 2.67%
Details

Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
Regular & IRA Certificates 6 Months
$0
3.85% ▲ 1.34% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.34% above avgNationally 2.67%
Details

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 Month
$1,000
3.82% ▲ 1.31% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.31% above avgNationally 2.67%
Details

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
6 Month CD
$0
3.81% ▲ 1.30% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.30% above avgNationally 2.67%
Details

Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 6 Months
$0
3.76% ▲ 1.25% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.25% above avgNationally 2.67%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
6 Months
$0
3.75% ▲ 1.24% above Alabama avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.24% above avgNationally 2.67%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
6 Months CD
$500
3.75% ▲ 1.24% above Alabama avg
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.24% above avgNationally 2.67%
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
6 Month
$0
3.75% ▲ 1.24% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.24% above avgNationally 2.67%
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
6 Month Term
$0
3.72% ▲ 1.21% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.21% above avgNationally 2.67%
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
6-Months Certificate
$1,000
3.72% ▲ 1.21% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.21% above avgNationally 2.67%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 6 Months Fixed
$0
3.71% ▲ 1.20% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.20% above avgNationally 2.67%
Details

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
6 Month CD
$0
3.70% ▲ 1.19% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.19% above avgNationally 2.67%
Details

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
6 Month IRA CD
$0
3.70% ▲ 1.19% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.19% above avgNationally 2.67%
Details

Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificate of Deposit 6 Months
$0
3.70% ▲ 1.19% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.19% above avgNationally 2.67%
Details

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6 Months
$0
3.68% ▲ 1.17% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.17% above avgNationally 2.67%
Details

United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6-month CD
$2,500
3.65% ▲ 1.14% above Alabama avg
View
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.14% above avgNationally 2.67%
Details

Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly. Subject to early withdrawal penalty. Automatically renews on the maturity date.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
6 Months
$1,000
3.65% ▲ 1.14% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.14% above avgNationally 2.67%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Business 6 months
$1,000
3.65% ▲ 1.14% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.14% above avgNationally 2.67%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Regular Certificate of Deposit (CD) 6 months
$1,000
3.65% ▲ 1.14% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.14% above avgNationally 2.67%
Details

Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
6 Months
$0
3.63% ▲ 1.12% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.12% above avgNationally 2.67%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
6 Month Super Jumbo Certificate
$0
3.61% ▲ 1.10% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.10% above avgNationally 2.67%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60% ▲ 1.09% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.09% above avgNationally 2.67%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
6 Months
$0
3.56% ▲ 1.05% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.05% above avgNationally 2.67%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
6 Month Jumbo Certificate
$0
3.56% ▲ 1.05% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.05% above avgNationally 2.67%
Details

F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6 Month C.D.
$1,000
3.55% ▲ 1.04% above Alabama avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.04% above avgNationally 2.67%
Details

The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
6 Months
$0
3.55% ▲ 1.04% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.04% above avgNationally 2.67%
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
6 month CD
$1,000
3.53% ▲ 1.02% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.02% above avgNationally 2.67%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
6 Months
$0
3.51% ▲ 1.00% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.00% above avgNationally 2.67%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
6 Month Certificate
$0
3.51% ▲ 1.00% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 1.00% above avgNationally 2.67%
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
6-Month Certificate of Deposit
$500
3.50% ▲ 0.99% above Alabama avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.99% above avgNationally 2.67%
Details

Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
6-Month Fixed Rate CD
$0
3.50% ▲ 0.99% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.99% above avgNationally 2.67%
Details

Farmers and Merchants Bank Lafayette, AL
Institution Rating:
B4.4 ★Texas Ratio: 21.71%
6 Month CD
$500
3.50% ▲ 0.99% above Alabama avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.99% above avgNationally 2.67%
Details

The Annual Percentage Yield (APY) of 3.50% is effective and accurate as of December 22, 2025. Early withdrawal penalties may be imposed, and the fee could reduce principal. If the CD is fully or partially redeemed prior to original maturity date, a penalty equivalent to 1 month interest may be applied. Offer may be withdrawn or modified without prior notice. Fees could reduce earnings. See a Customer Service Representative for complete terms and conditions.

Local Bank Red Level, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 month
$0
3.50% ▲ 0.99% above Alabama avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.99% above avgNationally 2.67%
Details

Promo APY: 3.75%

Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6 months
$500
3.50% ▲ 0.99% above Alabama avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.99% above avgNationally 2.67%
Details

APY = Annual Percentage Yield. Rates are subject to change without notice. Contact credit union to verify current rates and yields. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
6 Months CD Special
$0
3.50% ▲ 0.99% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.99% above avgNationally 2.67%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.50% ▲ 0.99% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.99% above avgNationally 2.67%
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
6 Month
$0
3.50% ▲ 0.99% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.99% above avgNationally 2.67%
Details

Paid Quarterly

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
IRA CD 6 Month
$0
3.50% ▲ 0.99% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.99% above avgNationally 2.67%
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
6 Months
$0
3.50% ▲ 0.99% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.99% above avgNationally 2.67%
Details

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
6 Month Certificate Special
$500
3.50% ▲ 0.99% above Alabama avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.99% above avgNationally 2.67%
Details

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 MONTH
$0
3.44% ▲ 0.93% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.93% above avgNationally 2.67%
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Month Share/IRA Certificate
$1,000
3.40% ▲ 0.89% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.89% above avgNationally 2.67%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 6 Months Fixed
$0
3.39% ▲ 0.88% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.88% above avgNationally 2.67%
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 Month Certificate
$1,000
3.30% ▲ 0.79% above Alabama avg
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.79% above avgNationally 2.67%
Details

Daily

Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Months
$0
3.29% ▲ 0.78% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.51%▲ 0.78% above avgNationally 2.67%
Details

Sheffield 12 Month CD Rates

Alabama 12 Month CD Average2.78% APYNational 2.83%▼ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
12 Month Certificate
$0
3.45% ▲ 0.67% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.67% above avgNationally 2.83%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
12 Month IRA Jumbo
$100,000
4.18% ▲ 1.40% above Alabama avg
View
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.40% above avgNationally 2.83%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
12 Month IRA
$1,000
4.13% ▲ 1.35% above Alabama avg
View
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.35% above avgNationally 2.83%
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month IRA
$0
4.05% ▲ 1.27% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.27% above avgNationally 2.83%
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12 Month IRA
$0
4.00% ▲ 1.22% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.22% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89% ▲ 1.11% above Alabama avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.11% above avgNationally 2.83%
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1 Year
$0
3.85% ▲ 1.07% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.07% above avgNationally 2.83%
Details

Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
12-month Certificate of Deposit
$500
3.82% ▲ 1.04% above Alabama avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.04% above avgNationally 2.83%
Details

Up to

F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1 Year C.D.
$1,000
3.80% ▲ 1.02% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.02% above avgNationally 2.83%
Details

The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12 Months
$0
3.80% ▲ 1.02% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.02% above avgNationally 2.83%
Details

New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
12 Month Jumbo Certificate
$50,000
3.80% ▲ 1.02% above Alabama avg
View
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.02% above avgNationally 2.83%
Details

Early Withdrawal Penalty: 3 Months Dividend

New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
12 Months Certificate
$500
3.80% ▲ 1.02% above Alabama avg
View
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.02% above avgNationally 2.83%
Details

Early Withdrawal Penalty: 3 Months Dividend

New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
IRA Certificate 12 Months
$0
3.80% ▲ 1.02% above Alabama avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.02% above avgNationally 2.83%
Details

Early Withdrawal Penalty: 3 Months Dividend

Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificate of Deposit 12 Months
$0
3.80% ▲ 1.02% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 1.02% above avgNationally 2.83%
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
12 Month Certificate
$1,000
3.77% ▲ 0.99% above Alabama avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.99% above avgNationally 2.83%
Details

Daily

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 12 Months Fixed
$0
3.76% ▲ 0.98% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.98% above avgNationally 2.83%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
1 Year Super Jumbo Certificate
$0
3.76% ▲ 0.98% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.98% above avgNationally 2.83%
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12 Month Certificate of Deposit
$0
3.75% ▲ 0.97% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.97% above avgNationally 2.83%
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12 Month IRA
$0
3.75% ▲ 0.97% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.97% above avgNationally 2.83%
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
12 month CD
$1,000
3.75% ▲ 0.97% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.97% above avgNationally 2.83%
Details

Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
12 months
$500
3.75% ▲ 0.97% above Alabama avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.97% above avgNationally 2.83%
Details

APY = Annual Percentage Yield. Rates are subject to change without notice. Contact credit union to verify current rates and yields. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
12 Months
$1,000
3.75% ▲ 0.97% above Alabama avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.97% above avgNationally 2.83%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Business 12 months
$1,000
3.75% ▲ 0.97% above Alabama avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.97% above avgNationally 2.83%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Regular Certificate of Deposit (CD) 12 months
$1,000
3.75% ▲ 0.97% above Alabama avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.97% above avgNationally 2.83%
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1 Year
$0
3.75% ▲ 0.97% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.97% above avgNationally 2.83%
Details

Paid Quarterly

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
IRA CD 1 Year
$0
3.75% ▲ 0.97% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.97% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.74% ▲ 0.96% above Alabama avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.96% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
YOUth Boost 12-Month
$0
3.74% ▲ 0.96% above Alabama avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.96% above avgNationally 2.83%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
12 Months
$0
3.71% ▲ 0.93% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.93% above avgNationally 2.83%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
1 Year Jumbo Certificate
$0
3.71% ▲ 0.93% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.93% above avgNationally 2.83%
Details

Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 12 Months
$0
3.71% ▲ 0.93% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.93% above avgNationally 2.83%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
12 Months
$0
3.70% ▲ 0.92% above Alabama avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.92% above avgNationally 2.83%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
12 Months CD
$500
3.70% ▲ 0.92% above Alabama avg
View
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.92% above avgNationally 2.83%
Details

Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months
$0
3.70% ▲ 0.92% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.92% above avgNationally 2.83%
Details

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
12 Months
$0
3.67% ▲ 0.89% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.89% above avgNationally 2.83%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
12 Months
$0
3.66% ▲ 0.88% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.88% above avgNationally 2.83%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
1 Year Certificate
$0
3.66% ▲ 0.88% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.88% above avgNationally 2.83%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
12 Month Smart Start
$25
3.66% ▲ 0.88% above Alabama avg
View
▼
Rate3.60%
Min Deposit$25
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.88% above avgNationally 2.83%
Details

Additional funds may be added at any time.

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
12 Months
$0
3.65% ▲ 0.87% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.87% above avgNationally 2.83%
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
12 Month
$0
3.65% ▲ 0.87% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.87% above avgNationally 2.83%
Details

Councill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
12 months
$0
3.65% ▲ 0.87% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.87% above avgNationally 2.83%
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
12 Month Term
$0
3.61% ▲ 0.83% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.83% above avgNationally 2.83%
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
12-Months Certificate
$1,000
3.61% ▲ 0.83% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.83% above avgNationally 2.83%
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Loyalty Share Certificates 12 Month
$10,000
3.60% ▲ 0.82% above Alabama avg
View
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.82% above avgNationally 2.83%
Details

HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★Texas Ratio: 38.77%
12 Months Certificate of Deposit
$1,000
3.56% ▲ 0.78% above Alabama avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.78% above avgNationally 2.83%
Details

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
12 Month CD
$0
3.56% ▲ 0.78% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.78% above avgNationally 2.83%
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Fixed Rate CD
$0
3.50% ▲ 0.72% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.72% above avgNationally 2.83%
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
1 Year
$0
3.50% ▲ 0.72% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.72% above avgNationally 2.83%
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
1 Year Elite Share Certificate
$0
3.50% ▲ 0.72% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.72% above avgNationally 2.83%
Details

$10k minimum deposit

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
1 Year Share/IRA Certificate
$1,000
3.50% ▲ 0.72% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average2.78%▲ 0.72% above avgNationally 2.83%
Details

Sheffield 18 Month CD Rates

Alabama 18 Month CD Average3.12% APYNational 2.67%▲ 0.29% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
18 Month Certificate
$0
3.75% ▲ 0.63% above Alabama avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.63% above avgNationally 2.67%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
18 Month IRA Jumbo
$100,000
4.28% ▲ 1.16% above Alabama avg
View
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 1.16% above avgNationally 2.67%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
18 Month IRA
$1,000
4.23% ▲ 1.11% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 1.11% above avgNationally 2.67%
Details

F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 Month C.D.
$1,000
4.01% ▲ 0.89% above Alabama avg
View
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.89% above avgNationally 2.67%
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18 Months
$0
4.00% ▲ 0.88% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.88% above avgNationally 2.67%
Details

Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
18 Months
$0
3.95% ▲ 0.83% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.83% above avgNationally 2.67%
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month
$0
3.80% ▲ 0.68% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.68% above avgNationally 2.67%
Details

Interest Compound Period: Quarterly

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
18 Month Certificate of Deposit
$0
3.75% ▲ 0.63% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.63% above avgNationally 2.67%
Details

Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificate of Deposit 18 Months
$0
3.75% ▲ 0.63% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.63% above avgNationally 2.67%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 18 Months Fixed
$0
3.66% ▲ 0.54% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.54% above avgNationally 2.67%
Details

Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 18 Months
$0
3.66% ▲ 0.54% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.54% above avgNationally 2.67%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
18 Months
$0
3.65% ▲ 0.53% above Alabama avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.53% above avgNationally 2.67%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
18 Months CD
$500
3.65% ▲ 0.53% above Alabama avg
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.53% above avgNationally 2.67%
Details

Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
CD Special 18 Month
$0
3.55% ▲ 0.43% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.43% above avgNationally 2.67%
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
18 Month
$0
3.55% ▲ 0.43% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.43% above avgNationally 2.67%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
18 Months
$0
3.51% ▲ 0.39% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.39% above avgNationally 2.67%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
18 Months
$0
3.46% ▲ 0.34% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.34% above avgNationally 2.67%
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
18 month CD
$1,000
3.41% ▲ 0.29% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.29% above avgNationally 2.67%
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month IRA
$500
3.40% ▲ 0.28% above Alabama avg
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.28% above avgNationally 2.67%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
18 Months Fixed
$0
3.34% ▲ 0.22% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.22% above avgNationally 2.67%
Details

Traditional IRAs and Roth IRA Certificates

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 18 Months Fixed
$0
3.34% ▲ 0.22% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.22% above avgNationally 2.67%
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
18 Months Share Certificate
$500
3.30% ▲ 0.18% above Alabama avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.18% above avgNationally 2.67%
Details

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
18 Month CD
$0
3.30% ▲ 0.18% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.18% above avgNationally 2.67%
Details

Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
Regular & IRA Certificates 18 Months
$0
3.29% ▲ 0.17% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.17% above avgNationally 2.67%
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
18 Month
$0
3.25% ▲ 0.13% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.13% above avgNationally 2.67%
Details

Paid Quarterly

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
IRA CD 18 Month
$0
3.25% ▲ 0.13% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.13% above avgNationally 2.67%
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 18 Month
$0
3.24% ▲ 0.12% above Alabama avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.12% above avgNationally 2.67%
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
18 Month Certificate
$1,000
3.20% ▲ 0.08% above Alabama avg
View
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▲ 0.08% above avgNationally 2.67%
Details

Daily

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Loyalty Share Certificates 18 Month
$10,000
3.09% ▼ 0.03% below Alabama avg
View
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.03% below avgNationally 2.67%
Details

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month
$0
3.04% ▼ 0.08% below Alabama avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.08% below avgNationally 2.67%
Details

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
18-Month Certificate
$0
3.00% ▼ 0.12% below Alabama avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.12% below avgNationally 2.67%
Details

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
18-Month IRA Certificate
$0
3.00% ▼ 0.12% below Alabama avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.12% below avgNationally 2.67%
Details

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
18-Month IRA CD
$0
2.78% ▼ 0.34% below Alabama avg
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.34% below avgNationally 2.67%
Details

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
18 MONTH
$0
2.68% ▼ 0.44% below Alabama avg
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.44% below avgNationally 2.67%
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
IRA 18-Month Certificate
$0
2.62% ▼ 0.50% below Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.50% below avgNationally 2.67%
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Month IRA
$0
2.53% ▼ 0.59% below Alabama avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.59% below avgNationally 2.67%
Details

Fixed Rate

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Month
$500
2.52% ▼ 0.60% below Alabama avg
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.60% below avgNationally 2.67%
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Month
$100,000
2.50% ▼ 0.62% below Alabama avg
View
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.62% below avgNationally 2.67%
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 month
$0
2.40% ▼ 0.72% below Alabama avg
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.72% below avgNationally 2.67%
Details

First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
18 Month CD
$1,000
2.25% ▼ 0.87% below Alabama avg
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 0.87% below avgNationally 2.67%
Details

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
18 Month IRA Certificate
$2,000
2.00% ▼ 1.12% below Alabama avg
View
▼
Rate1.98%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 1.12% below avgNationally 2.67%
Details

Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
18 Month CD
$500
1.25% ▼ 1.87% below Alabama avg
View
▼
Rate1.24%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 1.87% below avgNationally 2.67%
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Jumbo IRA Certificates & Over) 18 Month
$0
1.00% ▼ 2.12% below Alabama avg
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 2.12% below avgNationally 2.67%
Details

$100,000.00

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
IRA Certificates 18 Month
$0
0.95% ▼ 2.17% below Alabama avg
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 2.17% below avgNationally 2.67%
Details

$25,000.01 - $99,999.99

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Jumbo Share Certificates and Over) 18 Month
$0
0.90% ▼ 2.22% below Alabama avg
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 2.22% below avgNationally 2.67%
Details

$100,000.00

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Share Certificates 18 Month
$0
0.85% ▼ 2.27% below Alabama avg
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 2.27% below avgNationally 2.67%
Details

$25,000.01 - $99,999.99

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
18 Month
$0
0.80% ▼ 2.32% below Alabama avg
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 2.32% below avgNationally 2.67%
Details

FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
18-Month Share Certificate
$0
0.75% ▼ 2.37% below Alabama avg
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 2.37% below avgNationally 2.67%
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
18-Month Fixed IRA
$0
0.65% ▼ 2.47% below Alabama avg
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 2.47% below avgNationally 2.67%
Details

Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
18 Month Certificate
$0
0.50% ▼ 2.62% below Alabama avg
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.12%▼ 2.62% below avgNationally 2.67%
Details

Sheffield 24 Month CD Rates

Alabama 24 Month CD Average3.20% APYNational 2.71%▲ 0.32% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
24 Month Certificate
$0
3.60% ▲ 0.40% above Alabama avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.40% above avgNationally 2.71%
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
24 Month IRA
$0
4.20% ▲ 1.00% above Alabama avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 1.00% above avgNationally 2.71%
Details

F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2 Year C.D.
$1,000
4.06% ▲ 0.86% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.86% above avgNationally 2.71%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24 Months
$1,000
4.00% ▲ 0.80% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.80% above avgNationally 2.71%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Business 24 months
$1,000
4.00% ▲ 0.80% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.80% above avgNationally 2.71%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Regular Certificate of Deposit (CD) 24 months
$1,000
4.00% ▲ 0.80% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.80% above avgNationally 2.71%
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month IRA
$0
3.90% ▲ 0.70% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.70% above avgNationally 2.71%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.90% ▲ 0.70% above Alabama avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.70% above avgNationally 2.71%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
24 Month IRA Jumbo
$100,000
3.87% ▲ 0.67% above Alabama avg
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.67% above avgNationally 2.71%
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
24 month IRA
$500
3.82% ▲ 0.62% above Alabama avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.62% above avgNationally 2.71%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
24 Month IRA
$1,000
3.82% ▲ 0.62% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.62% above avgNationally 2.71%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Executive
$0
3.80% ▲ 0.60% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.60% above avgNationally 2.71%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 2 Years
$100,000
3.80% ▲ 0.60% above Alabama avg
View
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.60% above avgNationally 2.71%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 2 Years
$100,000
3.80% ▲ 0.60% above Alabama avg
View
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.60% above avgNationally 2.71%
Details

The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
24 Months
$0
3.80% ▲ 0.60% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.60% above avgNationally 2.71%
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Business 2 Year
$0
3.80% ▲ 0.60% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.60% above avgNationally 2.71%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 24 Months Fixed
$0
3.76% ▲ 0.56% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.56% above avgNationally 2.71%
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2 Years
$0
3.75% ▲ 0.55% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.55% above avgNationally 2.71%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.75% ▲ 0.55% above Alabama avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.55% above avgNationally 2.71%
Details

Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 Months
$0
3.75% ▲ 0.55% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.55% above avgNationally 2.71%
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2 Year
$0
3.75% ▲ 0.55% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.55% above avgNationally 2.71%
Details

Interest Compound Period: Quarterly

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 2 Years
$10,000
3.70% ▲ 0.50% above Alabama avg
View
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.50% above avgNationally 2.71%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 2 Years
$10,000
3.70% ▲ 0.50% above Alabama avg
View
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.50% above avgNationally 2.71%
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2 Year Share/IRA Certificate
$1,000
3.65% ▲ 0.45% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.45% above avgNationally 2.71%
Details

Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificate of Deposit 24 Months
$0
3.65% ▲ 0.45% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.45% above avgNationally 2.71%
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
24 month CD
$1,000
3.56% ▲ 0.36% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.36% above avgNationally 2.71%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
24 Months
$0
3.55% ▲ 0.35% above Alabama avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.35% above avgNationally 2.71%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
24 Months CD
$500
3.55% ▲ 0.35% above Alabama avg
View
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.35% above avgNationally 2.71%
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Month Term
$0
3.51% ▲ 0.31% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.31% above avgNationally 2.71%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 Months
$0
3.51% ▲ 0.31% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.31% above avgNationally 2.71%
Details

Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 24 Months
$0
3.51% ▲ 0.31% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.31% above avgNationally 2.71%
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
24 Month
$0
3.50% ▲ 0.30% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.30% above avgNationally 2.71%
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24 Month IRA
$500
3.50% ▲ 0.30% above Alabama avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.30% above avgNationally 2.71%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 Months
$0
3.46% ▲ 0.26% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.26% above avgNationally 2.71%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
2 Year Super Jumbo Certificate
$0
3.45% ▲ 0.25% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.25% above avgNationally 2.71%
Details

Councill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
24 months
$0
3.44% ▲ 0.24% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.24% above avgNationally 2.71%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
24 Months Fixed
$0
3.44% ▲ 0.24% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.24% above avgNationally 2.71%
Details

Traditional IRAs and Roth IRA Certificates

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 24 Months Fixed
$0
3.44% ▲ 0.24% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.24% above avgNationally 2.71%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
2 Year Jumbo Certificate
$0
3.40% ▲ 0.20% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.20% above avgNationally 2.71%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
2 Year Certificate
$0
3.35% ▲ 0.15% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.15% above avgNationally 2.71%
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
24-Month CD
$1,000
3.35% ▲ 0.15% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.15% above avgNationally 2.71%
Details

Interest Paid: Monthly

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Business Certificate of Deposits (CD) - 24 Months
$1,000
3.35% ▲ 0.15% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.15% above avgNationally 2.71%
Details

Interest Paid: Monthly

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
24 Months
$0
3.30% ▲ 0.10% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.10% above avgNationally 2.71%
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
24 Months Share Certificate
$500
3.30% ▲ 0.10% above Alabama avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.10% above avgNationally 2.71%
Details

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
24 Months
$0
3.29% ▲ 0.09% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.09% above avgNationally 2.71%
Details

Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Months
$0
3.29% ▲ 0.09% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.09% above avgNationally 2.71%
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
24-Month Fixed Rate CD
$0
3.25% ▲ 0.05% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.05% above avgNationally 2.71%
Details

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
24-Month IRA CD
$0
3.24% ▲ 0.04% above Alabama avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▲ 0.04% above avgNationally 2.71%
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 24 Month
$0
3.14% ▼ 0.06% below Alabama avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▼ 0.06% below avgNationally 2.71%
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
24 Month Certificate
$1,000
3.04% ▼ 0.16% below Alabama avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.20%▼ 0.16% below avgNationally 2.71%
Details

Daily

Sheffield 36 Month CD Rates

Alabama 36 Month CD Average3.06% APYNational 2.66%▲ 0.19% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
36 Month Certificate
$0
3.00% ▼ 0.06% below Alabama avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▼ 0.06% below avgNationally 2.66%
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
36 Month IRA
$0
4.20% ▲ 1.14% above Alabama avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 1.14% above avgNationally 2.66%
Details

F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Year C.D.
$1,000
4.16% ▲ 1.10% above Alabama avg
View
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 1.10% above avgNationally 2.66%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Certificates of Deposit 36 Months Special
$0
4.00% ▲ 0.94% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.94% above avgNationally 2.66%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
36 Months
$1,000
4.00% ▲ 0.94% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.94% above avgNationally 2.66%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Business 36 months
$1,000
4.00% ▲ 0.94% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.94% above avgNationally 2.66%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Regular Certificate of Deposit (CD) 36 months
$1,000
4.00% ▲ 0.94% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.94% above avgNationally 2.66%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 36 Months Fixed
$0
3.87% ▲ 0.81% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.81% above avgNationally 2.66%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
36 Month IRA Jumbo
$100,000
3.87% ▲ 0.81% above Alabama avg
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.81% above avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.86% ▲ 0.80% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.80% above avgNationally 2.66%
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month IRA
$0
3.85% ▲ 0.79% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.79% above avgNationally 2.66%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
36 Month IRA
$1,000
3.82% ▲ 0.76% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.76% above avgNationally 2.66%
Details

Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
36 Months
$0
3.75% ▲ 0.69% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.69% above avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.71% ▲ 0.65% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.65% above avgNationally 2.66%
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Year
$0
3.70% ▲ 0.64% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.64% above avgNationally 2.66%
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Year Elite Share Certificate
$0
3.70% ▲ 0.64% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.64% above avgNationally 2.66%
Details

$10k minimum deposit

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Year Share/IRA Certificate
$1,000
3.70% ▲ 0.64% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.64% above avgNationally 2.66%
Details

Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificate of Deposit 36 Months
$0
3.65% ▲ 0.59% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.59% above avgNationally 2.66%
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 Month IRA
$500
3.60% ▲ 0.54% above Alabama avg
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.54% above avgNationally 2.66%
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
36 month CD
$1,000
3.56% ▲ 0.50% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.50% above avgNationally 2.66%
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
36 Month Term
$0
3.56% ▲ 0.50% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.50% above avgNationally 2.66%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
36 Months Fixed
$0
3.55% ▲ 0.49% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.49% above avgNationally 2.66%
Details

Traditional IRAs and Roth IRA Certificates

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 36 Months Fixed
$0
3.55% ▲ 0.49% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.49% above avgNationally 2.66%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 3 Years
$100,000
3.55% ▲ 0.49% above Alabama avg
View
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.49% above avgNationally 2.66%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 3 Years
$100,000
3.55% ▲ 0.49% above Alabama avg
View
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.49% above avgNationally 2.66%
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 36 Month
$0
3.55% ▲ 0.49% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.49% above avgNationally 2.66%
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Business 3 Year
$0
3.55% ▲ 0.49% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.49% above avgNationally 2.66%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
36 Months
$0
3.51% ▲ 0.45% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.45% above avgNationally 2.66%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
36 Months
$0
3.50% ▲ 0.44% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.44% above avgNationally 2.66%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
36 Months CD
$500
3.50% ▲ 0.44% above Alabama avg
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.44% above avgNationally 2.66%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
36 Months
$0
3.46% ▲ 0.40% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.40% above avgNationally 2.66%
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3 Years
$0
3.45% ▲ 0.39% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.39% above avgNationally 2.66%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 3 Years
$10,000
3.45% ▲ 0.39% above Alabama avg
View
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.39% above avgNationally 2.66%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 3 Years
$10,000
3.45% ▲ 0.39% above Alabama avg
View
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.39% above avgNationally 2.66%
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
36 Month
$0
3.45% ▲ 0.39% above Alabama avg
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.39% above avgNationally 2.66%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Member's Choice Share Certificate 36 Months Fixed
$0
3.44% ▲ 0.38% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.38% above avgNationally 2.66%
Details

Councill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
36 months
$0
3.34% ▲ 0.28% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.28% above avgNationally 2.66%
Details

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
36 Months
$0
3.34% ▲ 0.28% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.28% above avgNationally 2.66%
Details

Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 36 Months
$0
3.30% ▲ 0.24% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.24% above avgNationally 2.66%
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
36 Months Share Certificate
$500
3.30% ▲ 0.24% above Alabama avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.24% above avgNationally 2.66%
Details

The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 Months
$0
3.29% ▲ 0.23% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.23% above avgNationally 2.66%
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36-Month CD
$1,000
3.25% ▲ 0.19% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.19% above avgNationally 2.66%
Details

Interest Paid: Monthly

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Business Certificate of Deposits (CD) - 36 Months
$1,000
3.25% ▲ 0.19% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.19% above avgNationally 2.66%
Details

Interest Paid: Monthly

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
36-Month Certificate of Deposit
$500
3.20% ▲ 0.14% above Alabama avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.14% above avgNationally 2.66%
Details

Earn 3.20% APY on balances of $500 or more. Account matures in 36 months.

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
36-Month Fixed Rate CD
$0
3.20% ▲ 0.14% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.14% above avgNationally 2.66%
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
36 Month Certificate of Deposit
$0
3.10% ▲ 0.04% above Alabama avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.04% above avgNationally 2.66%
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
36 Month IRA
$0
3.10% ▲ 0.04% above Alabama avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▲ 0.04% above avgNationally 2.66%
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
36 Month Certificate
$1,000
3.04% ▼ 0.02% below Alabama avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▼ 0.02% below avgNationally 2.66%
Details

Daily

Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Months
$0
3.03% ▼ 0.03% below Alabama avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▼ 0.03% below avgNationally 2.66%
Details

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
36-Month Certificate
$1,000
3.00% ▼ 0.06% below Alabama avg
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.06%▼ 0.06% below avgNationally 2.66%
Details

Sheffield 48 Month CD Rates

Alabama 48 Month CD Average3.05% APYNational 2.65%▲ 0.24% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
48 Month Certificate
$0
3.00% ▼ 0.05% below Alabama avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.05% below avgNationally 2.65%
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
48 Months
$0
4.25% ▲ 1.20% above Alabama avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 1.20% above avgNationally 2.65%
Details

F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4 Year C.D.
$1,000
4.22% ▲ 1.17% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 1.17% above avgNationally 2.65%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 48 Months Fixed
$0
3.92% ▲ 0.87% above Alabama avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.87% above avgNationally 2.65%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
48 Month IRA Jumbo
$100,000
3.92% ▲ 0.87% above Alabama avg
View
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.87% above avgNationally 2.65%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
48 Month IRA
$1,000
3.87% ▲ 0.82% above Alabama avg
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.82% above avgNationally 2.65%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.86% ▲ 0.81% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.81% above avgNationally 2.65%
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month IRA
$0
3.80% ▲ 0.75% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.75% above avgNationally 2.65%
Details

Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Months
$0
3.75% ▲ 0.70% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.65%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.71% ▲ 0.66% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.66% above avgNationally 2.65%
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 48 Month
$0
3.65% ▲ 0.60% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.60% above avgNationally 2.65%
Details

Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificate of Deposit 48 Months
$0
3.65% ▲ 0.60% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.60% above avgNationally 2.65%
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month IRA
$500
3.65% ▲ 0.60% above Alabama avg
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.60% above avgNationally 2.65%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
48 Months Fixed
$0
3.60% ▲ 0.55% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.55% above avgNationally 2.65%
Details

Traditional IRAs and Roth IRA Certificates

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 48 Months Fixed
$0
3.60% ▲ 0.55% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.55% above avgNationally 2.65%
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
48 month CD
$1,000
3.56% ▲ 0.51% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.51% above avgNationally 2.65%
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
48 Month Term
$0
3.56% ▲ 0.51% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.51% above avgNationally 2.65%
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Business 4 Year
$0
3.55% ▲ 0.50% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.65%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Member's Choice Share Certificate 48 Months Fixed
$0
3.49% ▲ 0.44% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.44% above avgNationally 2.65%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
48 Months
$0
3.45% ▲ 0.40% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.40% above avgNationally 2.65%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
48 Months CD
$500
3.45% ▲ 0.40% above Alabama avg
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.40% above avgNationally 2.65%
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
48 Month
$0
3.45% ▲ 0.40% above Alabama avg
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.40% above avgNationally 2.65%
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
4 Years
$0
3.32% ▲ 0.27% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.27% above avgNationally 2.65%
Details

Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 48 Months
$0
3.30% ▲ 0.25% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.25% above avgNationally 2.65%
Details

The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
48 Months
$0
3.29% ▲ 0.24% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.24% above avgNationally 2.65%
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
48-Month CD
$1,000
3.25% ▲ 0.20% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.20% above avgNationally 2.65%
Details

Interest Paid: Monthly

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Business Certificate of Deposits (CD) - 48 Months
$1,000
3.25% ▲ 0.20% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.20% above avgNationally 2.65%
Details

Interest Paid: Monthly

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
48-Month Certificate
$1,000
3.10% ▲ 0.05% above Alabama avg
View
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.05% above avgNationally 2.65%
Details

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
IRA Certificate 48-Month
$1,000
3.10% ▲ 0.05% above Alabama avg
View
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.05% above avgNationally 2.65%
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Loyalty Share Certificates 48 Month
$10,000
3.09% ▲ 0.04% above Alabama avg
View
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▲ 0.04% above avgNationally 2.65%
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month CD
$500
3.05% At Alabama avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%At the averageNationally 2.65%
Details

APY is fixed for a 48-month term.

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
48 Month Certificate
$1,000
3.04% ▼ 0.01% below Alabama avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.01% below avgNationally 2.65%
Details

Daily

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
4 Year
$0
3.00% ▼ 0.05% below Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.05% below avgNationally 2.65%
Details

Paid Quarterly

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
IRA CD 4 Year
$0
3.00% ▼ 0.05% below Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.05% below avgNationally 2.65%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
4 Year Jumbo Certificate
$0
2.99% ▼ 0.06% below Alabama avg
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.06% below avgNationally 2.65%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
4 Year Certificate
$0
2.94% ▼ 0.11% below Alabama avg
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.11% below avgNationally 2.65%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
4 Year Super Jumbo Certificate
$0
2.94% ▼ 0.11% below Alabama avg
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.11% below avgNationally 2.65%
Details

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
48-Month IRA CD
$0
2.93% ▼ 0.12% below Alabama avg
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.12% below avgNationally 2.65%
Details

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 Month
$1,000
2.84% ▼ 0.21% below Alabama avg
View
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.21% below avgNationally 2.65%
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
4 Year
$0
2.78% ▼ 0.27% below Alabama avg
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.27% below avgNationally 2.65%
Details

Interest Compound Period: Quarterly

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
48 Month CD
$0
2.78% ▼ 0.27% below Alabama avg
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.27% below avgNationally 2.65%
Details

Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
48 months
$500
2.75% ▼ 0.30% below Alabama avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.30% below avgNationally 2.65%
Details

The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. APY = Annual Percentage Yield. Rates are subject to change without notice. Contact credit union to verify current rates and yields. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings.

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
48-Month Certificate
$0
2.75% ▼ 0.30% below Alabama avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.30% below avgNationally 2.65%
Details

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
48-Month IRA Certificate
$0
2.75% ▼ 0.30% below Alabama avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.30% below avgNationally 2.65%
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
48 month
$0
2.75% ▼ 0.30% below Alabama avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.30% below avgNationally 2.65%
Details

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 Month IRA Share Certificate
$1,000
2.58% ▼ 0.47% below Alabama avg
View
▼
Rate2.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.47% below avgNationally 2.65%
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
48 Month
$500
2.52% ▼ 0.53% below Alabama avg
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.53% below avgNationally 2.65%
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
48 Month
$100,000
2.50% ▼ 0.55% below Alabama avg
View
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.55% below avgNationally 2.65%
Details

Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
Regular & IRA Certificates 48 Months
$0
2.26% ▼ 0.79% below Alabama avg
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.79% below avgNationally 2.65%
Details

Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
4 Year
$0
2.16% ▼ 0.89% below Alabama avg
View
▼
Rate2.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.05%▼ 0.89% below avgNationally 2.65%
Details

Sheffield 60 Month CD Rates

Alabama 60 Month CD Average3.19% APYNational 2.76%▲ 0.27% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL 35660 2517
60 Month Certificate
$0
3.00% ▼ 0.19% below Alabama avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▼ 0.19% below avgNationally 2.76%
Details

F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
5 Year C.D.
$1,000
4.32% ▲ 1.13% above Alabama avg
View
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 1.13% above avgNationally 2.76%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
60 Month IRA Jumbo
$100,000
4.28% ▲ 1.09% above Alabama avg
View
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 1.09% above avgNationally 2.76%
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
60 Month IRA
$0
4.25% ▲ 1.06% above Alabama avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 1.06% above avgNationally 2.76%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
60 Month IRA
$1,000
4.23% ▲ 1.04% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 1.04% above avgNationally 2.76%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 60 Months Fixed
$0
3.97% ▲ 0.78% above Alabama avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.78% above avgNationally 2.76%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.97% ▲ 0.78% above Alabama avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.78% above avgNationally 2.76%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.81% ▲ 0.62% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.62% above avgNationally 2.76%
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 60 Month
$0
3.80% ▲ 0.61% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.76%
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5 year
$0
3.80% ▲ 0.61% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.76%
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5 Year Elite Share Certificate
$0
3.80% ▲ 0.61% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.76%
Details

$10k minimum deposit

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5 Year Share/IRA Certificate
$1,000
3.80% ▲ 0.61% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.76%
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month IRA
$0
3.75% ▲ 0.56% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.76%
Details

Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
60 Months
$0
3.75% ▲ 0.56% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.76%
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month IRA
$500
3.70% ▲ 0.51% above Alabama avg
View
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.51% above avgNationally 2.76%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
60 Months Fixed
$0
3.65% ▲ 0.46% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.46% above avgNationally 2.76%
Details

Traditional IRAs and Roth IRA Certificates

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 60 Months Fixed
$0
3.65% ▲ 0.46% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.46% above avgNationally 2.76%
Details

Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificate of Deposit 60 Months
$0
3.65% ▲ 0.46% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.46% above avgNationally 2.76%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 5 Years
$100,000
3.60% ▲ 0.41% above Alabama avg
View
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.41% above avgNationally 2.76%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 5 Years
$100,000
3.60% ▲ 0.41% above Alabama avg
View
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.41% above avgNationally 2.76%
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
60 month CD
$1,000
3.56% ▲ 0.37% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.37% above avgNationally 2.76%
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Member's Choice Share Certificate 60 Months Fixed
$0
3.55% ▲ 0.36% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.36% above avgNationally 2.76%
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Business 5 Year
$0
3.55% ▲ 0.36% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.36% above avgNationally 2.76%
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
60 Month Certificate of Deposit
$0
3.50% ▲ 0.31% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.31% above avgNationally 2.76%
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
60 Month IRA
$0
3.50% ▲ 0.31% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.31% above avgNationally 2.76%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 5 Years
$10,000
3.50% ▲ 0.31% above Alabama avg
View
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.31% above avgNationally 2.76%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 5 Years
$10,000
3.50% ▲ 0.31% above Alabama avg
View
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.31% above avgNationally 2.76%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
60 Months
$1,000
3.50% ▲ 0.31% above Alabama avg
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.31% above avgNationally 2.76%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Business 60 months
$1,000
3.50% ▲ 0.31% above Alabama avg
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.31% above avgNationally 2.76%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Regular Certificate of Deposit (CD) 60 months
$1,000
3.50% ▲ 0.31% above Alabama avg
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.31% above avgNationally 2.76%
Details

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month IRA
$0
3.41% ▲ 0.22% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.22% above avgNationally 2.76%
Details

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Months
$0
3.41% ▲ 0.22% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.22% above avgNationally 2.76%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
60 Months
$0
3.41% ▲ 0.22% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.22% above avgNationally 2.76%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
60 Months
$0
3.40% ▲ 0.21% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.21% above avgNationally 2.76%
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
60 Months CD
$500
3.40% ▲ 0.21% above Alabama avg
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.21% above avgNationally 2.76%
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
60 Month
$0
3.40% ▲ 0.21% above Alabama avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.21% above avgNationally 2.76%
Details

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Months
$0
3.39% ▲ 0.20% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.20% above avgNationally 2.76%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
60 Months
$0
3.36% ▲ 0.17% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.17% above avgNationally 2.76%
Details

Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 60 Months
$0
3.30% ▲ 0.11% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.11% above avgNationally 2.76%
Details

The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
60 Months
$0
3.29% ▲ 0.10% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.10% above avgNationally 2.76%
Details

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
60-Month Certificate
$1,000
3.25% ▲ 0.06% above Alabama avg
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.06% above avgNationally 2.76%
Details

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
IRA Certificate 60-Month
$1,000
3.25% ▲ 0.06% above Alabama avg
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.06% above avgNationally 2.76%
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
5 Year
$0
3.25% ▲ 0.06% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.06% above avgNationally 2.76%
Details

Paid Quarterly

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
IRA CD 5 Year
$0
3.25% ▲ 0.06% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.06% above avgNationally 2.76%
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
60-Month CD
$1,000
3.25% ▲ 0.06% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.06% above avgNationally 2.76%
Details

Interest Paid: Monthly

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Business Certificate of Deposits (CD) - 60 Months
$1,000
3.25% ▲ 0.06% above Alabama avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.06% above avgNationally 2.76%
Details

Interest Paid: Monthly

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
5 Years
$0
3.20% ▲ 0.01% above Alabama avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▲ 0.01% above avgNationally 2.76%
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Loyalty Share Certificates 60 Month
$10,000
3.19% At Alabama avg
View
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%At the averageNationally 2.76%
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5 Year Super Jumbo Certificate
$0
3.14% ▼ 0.05% below Alabama avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▼ 0.05% below avgNationally 2.76%
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
60 Month Certificate
$1,000
3.04% ▼ 0.15% below Alabama avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Alabama Average3.19%▼ 0.15% below avgNationally 2.76%
Details

Daily

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Sheffield, Alabama Institutions

Highest verified APYs available today — updated August 28, 2026

B Top 5 Bank Rates
F&M Bank Piedmont, AL
5 Year C.D.
A+ 5.0 ★ TX: 2.03%
Min: $1,000
4.32%
EvaBank
24 month IRA
A+ 5.0 ★ TX: 5.46%
Min: $500
3.82%
First Jackson Bank
12 Month Certificate of Deposit
A+ 5.0 ★ TX: 0.12%
Min: $0
3.75%
United Bank (AL)
6 Month CD
A 5.0 ★ TX: 6.18%
Min: $0
3.70%
First Southern State Bank
6 Months
A+ 5.0 ★ TX: 0.51%
Min: $0
3.68%
CU Top 5 Credit Union Rates
Electrical Workers No 558 Federal Credit Union
18 Month Certificate
A+ 5.0 ★ TX: 0.01%
Min: $0
3.75%
Northeast Alabama Postal FCU
90 Days Special
A+ 5.0 ★ TX: 5.65%
Min: $0
4.34%
All In Credit Union
18 Month IRA Jumbo
A 5.0 ★ TX: 10.02%
Min: $100,000
4.28%
Federal Employees Credit Union
48 Months
A+ 5.0 ★ TX: 5.58%
Min: $0
4.25%
Guardian Credit Union Montgomery, AL
Certificates of Deposit 36 Months Special
A 5.0 ★ TX: 10.26%
Min: $0
4.00%
Rates verified August 28, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Sheffield, AL CD Rate Trends

Compare local Sheffield, AL CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Alabama CD Trends
12-Month CD — AL Avg
2.780%
▼ 0.067 vs 7 days ago

Alabama 12-month CD rates fell 0.067 points over the past 7 days to 2.780% APY.

6-Month CD — AL Avg
2.515%
▼ 0.262 vs 7 days ago

Alabama 6-month CD rates fell 0.262 points over the past 7 days to 2.515% APY.

As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

AL CD Rate Forecast — Next 12 Months

Where are Alabama CD rates headed through August 2027?

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

AL 12-Month Avg APY
2.780%
6-Month Forecast
2.780%
Range: 2.58% – 2.93%
12-Month Forecast
2.530%
Range: 2.33% – 2.68%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Alabama average 12-month CD APY in our database.

Spread model: The Alabama 12-month CD average currently trades 1.60% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

What Your Savings Earn at AL CD Rates Today

Annual interest earnings at today’s Alabama average APYs. State average used where available; national average as fallback.

CD Term AL Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.249% $62.46 $124.91 $312.28 $624.55
6-Month CD 2.515% $125.74 $251.47 $628.68 $1,257.35
12-Month CD 2.780% $139.00 $278.00 $695.00 $1,390.00
18-Month CD 3.118% $155.90 $311.80 $779.50 $1,559.00
24-Month CD 3.203% $160.14 $320.27 $800.68 $1,601.35
36-Month CD 3.057% $152.86 $305.71 $764.28 $1,528.55
48-Month CD 3.050% $152.50 $304.99 $762.48 $1,524.95
60-Month CD 3.190% $159.50 $318.99 $797.48 $1,594.95
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026.

Sample CD Ladder for Sheffield, Alabama Savers

$25,000 split equally across 5 terms using today’s Alabama average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit AL Avg APY Annual Earnings
1 3-Month CD $5,000 1.249% $62.46
2 6-Month CD $5,000 2.515% $125.74
3 12-Month CD $5,000 2.780% $139.00
4 24-Month CD $5,000 3.203% $160.14
5 36-Month CD $5,000 3.057% $152.86
Total ($25,000 invested) $25,000 2.561% blended $640.20/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.

472
CD Rates
Tracked in Sheffield, Alabama
16 Banks 48 Credit Unions

About Our Sheffield, Alabama CD Rate Database

MonitorBankRates tracks 472 CD rates from 16 banks and 48 credit unions with locations in Sheffield, Alabama, plus national online institutions available to Alabama residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.

Current top rate: Electrical Workers No 558 Federal Credit Union offers a CD at 3.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sheffield, Alabama.

How to Find the Best CD Rates in Sheffield, Alabama

What to compare when shopping for a CD in Sheffield, Alabama

To find the best APYs in Sheffield, Alabama, start with credit unions and online-only banks — Sheffield, Alabama has 48 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 Sheffield, 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 Sheffield, Alabama — 64 institutions here report CD rates

Consider an Alternative If…

Sheffield, Alabama Financial Snapshot

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

Population 65+
25.6%
National avg: 17.3%
Median Individual Earnings
$30,972
National avg: $47,340
Poverty Rate
26.6%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$86/yr
At AL 12-mo avg 2.780% APY

25.6% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s AL 12-month CD average of 2.780%, saving 10% of the local median salary ($3,097/year) and putting it in a CD would earn an additional $86 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 Sheffield, Alabama

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Sheffield, 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 Sheffield, 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 Sheffield, Alabama as everywhere in the U.S.

Choosing a CD Term in Sheffield, 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 Sheffield, Alabama savers easier access to their funds. For example, Electrical Workers No 558 Federal Credit Union is offering its 6 Month Certificate at 3.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Electrical Workers No 558 Federal Credit Union is offering its 60 Month Certificate at 3.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Sheffield, 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 Sheffield, 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 Sheffield, 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 Sheffield, 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 Sheffield, Alabama

Most CDs carry a fixed rate that is locked for the entire term, protecting a Sheffield, 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 Sheffield, Alabama

Are CD rates in Sheffield, Alabama FDIC insured?

Yes, most established banks in Sheffield, 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 Sheffield, 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 Sheffield, 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 Sheffield, 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 Sheffield, Alabama?

Here are recent top rates found for this area:
  • Electrical Workers No 558 Federal Credit Union: 3.75% APY (18 Month Certificate)
  • Northeast Alabama Postal FCU: 4.34% APY (90 Days Special)
  • F&M Bank Piedmont, AL: 4.32% APY (5 Year C.D.)
  • All In Credit Union: 4.28% APY (18 Month IRA Jumbo)
  • Federal Employees Credit Union: 4.25% APY (48 Months)
  • Guardian Credit Union Montgomery, AL: 4.00% APY (Certificates of Deposit 36 Months Special)
  • Platinum Federal Credit Union: 4.00% APY (24 Months)
  • New Horizons Credit Union: 4.00% APY (180 Days Certificate)
  • Redstone Federal Credit Union: 3.97% APY (Jumbo Certificate 60 Months Fixed)
  • Northrop Grumman Federal Credit Union: 3.97% APY (Bonus IRA Certificates 60 Month)
Rates reflect recent verified offers available in Sheffield, Alabama. Last Updated: August 28, 2026

Sheffield, 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 Sheffield, 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 30–180 days of interest. Estimates are for informational purposes only.

Top Sheffield, Alabama CD Rates by Term

Verified August 28, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Sheffield, Alabama. Averages shown use the Alabama state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Sheffield, Alabama

Sheffield, Alabama CD Calculator

At today’s AL top rate of 3.75% APY, a $10,000 deposit earns $375 in the first year. Enter your amount to see your exact return.

Sheffield, Alabama CD Ladder

AL CD rates currently range from 1.249% (3-month) to 3.057% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Sheffield, Alabama CD at 3.75% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Alabama’s average 12-month CD is 2.780% 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 Sheffield, 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 Sheffield, 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 Sheffield, 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: August 28, 2026

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