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CD Rate Trends

Sylvan Springs, Alabama Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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: October 12, 2026

Sylvan Springs, Alabama CD rates from banks and credit unions serving Alabama range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 12, 2026. Current Sylvan Springs, Alabama CD rates include Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.89%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 5.00% APY, Birmingham City Credit UnionBirmingham City Credit UnionA+5.0 ★Texas Ratio: 2.89%Real return: +2.20%APY minus CPI (February 2026) offering 18 Month Share Certificate at 5.00% APY, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 7.78%Real return: +2.15%APY minus CPI (February 2026) offering 60 Month Jumbo Share Certificates (CDs) at 4.95% APY, Service 1 Federal Credit UnionService 1 Federal Credit UnionA+5.0 ★Texas Ratio: 1.56%Real return: +1.95%APY minus CPI (February 2026) offering 6 Month Youth Certificates at 4.75% APY, and Federal Employees Credit UnionFederal Employees Credit UnionA+5.0 ★Texas Ratio: 4.81%Real return: +1.90%APY minus CPI (February 2026) offering 48 Month Certificate at 4.70% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Sylvan Springs is a smaller community with no bank or credit union branches currently in our database. 734 institutions serving the Alabama area are available to Sylvan Springs residents, with CD rates as high as 5.00% APY from Platinum Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 12, 2026

Compare Best CD Rates in Sylvan Springs, Alabama & the Surrounding Area

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Sylvan Springs 3 Month CD Rates

Alabama 3 Month CD Average2.14% APYNational 2.09%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
90 Day Share Certificate
$0
4.51% ▲ 2.37% above Alabama avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.14%▲ 2.37% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.51% ▲ 0.61 pts · high 4.51% / low 3.90%
3.29%4.21%5.12%Sep 14, 2026: 3.90% APYOct 10, 2026: 4.51% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.51%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
90 Day Share Certificate
$0
4.41% ▲ 2.27% above Alabama avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.14%▲ 2.27% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.41% ▲ 0.51 pts · high 4.41% / low 3.90%
3.39%4.15%4.92%Sep 14, 2026: 3.90% APYOct 10, 2026: 4.41% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.41%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
90 Days Special CD
$0
4.15% ▲ 2.01% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▲ 2.01% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 5, 2026: 4.15% APYOct 5, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.71% ▲ 1.57% above Alabama avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.14%▲ 1.57% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 7 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Certificate
$1,000
3.66% ▲ 1.52% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.14%▲ 1.52% above avgNationally 2.09%
Details

Rate History
No change since Sep 22, 2026 · 3.66% APY · checked 5 times
3.16%3.66%4.16%Sep 22, 2026: 3.66% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66% ▲ 1.52% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.14%▲ 1.52% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.46% above Alabama avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Alabama Average2.14%▲ 1.46% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.46% above Alabama avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Alabama Average2.14%▲ 1.46% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.41% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▲ 1.41% above avgNationally 2.09%
Details

Earn 3.55% APY on balances of $500 or more.

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
Eva Liquid CD - Renews every 3 months
$500
3.55% ▲ 1.41% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.14%▲ 1.41% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 13, 2026
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Month Share/IRA Certificate (CD)
$1,000
3.30% ▲ 1.16% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▲ 1.16% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
90 Days CD
$0
3.25% ▲ 1.11% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▲ 1.11% above avgNationally 2.09%
Details

Paid: At Maturity

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3 Month Certificate
$0
2.94% ▲ 0.80% above Alabama avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▲ 0.80% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 13, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3 Month Share Certificate
$500
2.52% ▲ 0.38% above Alabama avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▲ 0.38% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.52% → 2.52% ▼ 0.00 pts · high 2.52% / low 2.52%
2.02%2.52%3.02%Sep 18, 2026: 2.52% APYOct 9, 2026: 2.52% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20262.52%▼ from 2.52%
  • Sep 18, 20262.52%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month IRA Plus Certificates
$0
2.47% ▲ 0.33% above Alabama avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▲ 0.33% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates Plus
$0
2.47% ▲ 0.33% above Alabama avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▲ 0.33% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month IRA Certificate
$0
2.27% ▲ 0.13% above Alabama avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▲ 0.13% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 5, 2026: 2.27% APYOct 5, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificate
$0
2.27% ▲ 0.13% above Alabama avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▲ 0.13% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 5, 2026: 2.27% APYOct 5, 2026Oct 13, 2026
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Certificate
$0
2.10% ▼ 0.04% below Alabama avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.14%▼ 0.04% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00% ▼ 0.14% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▼ 0.14% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3 Month Certificate
$0
2.00% ▼ 0.14% below Alabama avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▼ 0.14% below avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 7, 2026: 2.00% APYSep 7, 2026Oct 13, 2026
Jefferson Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
3 Month Prosperity Certificate of Deposit
$0
2.00% ▼ 0.14% below Alabama avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▼ 0.14% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
3 Month Share Certificate
$0
1.00% ▼ 1.14% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▼ 1.14% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3 Month Certificate
$0
0.75% ▼ 1.39% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▼ 1.39% below avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 9, 2026: 0.75% APYOct 9, 2026Oct 13, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3 Month Standard CD
$0
0.55% ▼ 1.59% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▼ 1.59% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 19, 2026: 0.55% APYSep 19, 2026Oct 13, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
90 Day C.D.
$1,000
0.50% ▼ 1.64% below Alabama avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average2.14%▼ 1.64% below avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 13, 2026
Tuskegee Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 54.93%
3 Month CD
$0
0.25% ▼ 1.89% below Alabama avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.14%▼ 1.89% below avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 13, 2026
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
90 Day Certificate
$500
0.20% ▼ 1.94% below Alabama avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.14%▼ 1.94% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 13, 2026
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Jumbo Share Certificates - 90 Day
$100,000
0.20% ▼ 1.94% below Alabama avg
View
▼
Rate0.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.14%▼ 1.94% below avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 10, 2026: 0.20% APYOct 10, 2026Oct 13, 2026
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
3 Month Certificate
$0
0.15% ▼ 1.99% below Alabama avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▼ 1.99% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
90 Day Personal Certificates of Deposit
$1,000
0.10% ▼ 2.04% below Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▼ 2.04% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
90 Day Certificate Account
$0
0.10% ▼ 2.04% below Alabama avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.14%▼ 2.04% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.08% below Alabama avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▼ 2.08% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.08% below Alabama avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▼ 2.08% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.09% below Alabama avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▼ 2.09% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03% ▼ 2.11% below Alabama avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▼ 2.11% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day CD
$500
0.03% ▼ 2.11% below Alabama avg
View
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.14%▼ 2.11% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 13, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day Jumbo CD
$100,000
0.03% ▼ 2.11% below Alabama avg
View
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.14%▼ 2.11% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.02% ▼ 2.12% below Alabama avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▼ 2.12% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.01% ▼ 2.13% below Alabama avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.14%▼ 2.13% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Sylvan Springs 6 Month CD Rates

Alabama 6 Month CD Average3.24% APYNational 2.78%▲ 0.09% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.75% ▲ 1.52% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 1.52% above avgNationally 2.78%
Details

Term: 6 months - FEATURED RATE

Rate History
No change since Sep 30, 2026 · 4.75% APY · checked 4 times
4.25%4.75%5.25%Sep 30, 2026: 4.75% APYSep 30, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 1 6 months - FEATURED RATE
$0
4.75% ▲ 1.52% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 1.52% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 6, 2026: 4.75% APYOct 6, 2026Oct 13, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
180 Day Share Certificate
$0
4.56% ▲ 1.32% above Alabama avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 1.32% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.56% ▲ 0.56 pts · high 4.56% / low 4.00%
3.44%4.28%5.12%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.56% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.56%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
180 Day Share Certificate
$0
4.46% ▲ 1.23% above Alabama avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 1.23% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.46% ▲ 0.46 pts · high 4.46% / low 4.00%
3.50%4.23%4.96%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.46% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.46%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 6 Month
$0
4.36% ▲ 1.13% above Alabama avg
View
▼
Rate4.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 1.13% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 4.36% APY
3.86%4.36%4.86%Oct 10, 2026: 4.36% APYOct 10, 2026Oct 13, 2026
The Citizens Bank Enterprise, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
6 Month CD Special
$25,000
4.20% ▲ 0.97% above Alabama avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.24%▲ 0.97% above avgNationally 2.78%
Details

Limited-time special offer. Funds must be new money.

Rate History
No change since Sep 19, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 19, 2026: 4.20% APYSep 19, 2026Oct 13, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
6 Month Certificate
$0
4.15% ▲ 0.92% above Alabama avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.92% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$100,000
4.12% ▲ 0.89% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.89% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 7 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Oct 13, 2026
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
6 Month IRA Certificate
$0
4.10% ▲ 0.86% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month Certificate
$1,000
4.07% ▲ 0.84% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Sep 22, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 22, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA
$1,000
4.07% ▲ 0.84% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
6 month CD
$1,000
4.04% ▲ 0.81% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.24%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 6 times
3.54%4.04%4.54%Sep 14, 2026: 4.04% APYSep 14, 2026Oct 13, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month CD
$0
4.00% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month IRA CD
$0
4.00% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificate
$0
4.00% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

Term: 6 months - FEATURED RATE

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Youth Certificates - 6 months - FEATURED RATE
$0
4.00% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
180 Day Certificate Account
$0
4.00% ▲ 0.77% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month Certificate
$500
4.00% ▲ 0.77% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6 Month Certificate
$0
4.00% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
180 Days Share Certificate
$500
4.00% ▲ 0.77% above Alabama avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

180 Days*

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
6 Month Share Certificate
$1,000
4.00% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Accounts - 6 month special
$1,000
4.00% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 6 Month Term
$0
3.98% ▲ 0.75% above Alabama avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.24%▲ 0.75% above avgNationally 2.78%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 14, 2026: 3.77% APYOct 12, 2026: 3.98% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.98%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 6 Months Fixed
$100,000
3.97% ▲ 0.74% above Alabama avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.24%▲ 0.74% above avgNationally 2.78%
Details

Compounding: dividend rate 3.90%, APY compounding 3.97%

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYSep 18, 2026: 3.87% APYOct 4, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.97%▲ from 3.87%
  • Sep 18, 20263.87%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 6 Months Fixed
$100,000
3.90% ▲ 0.67% above Alabama avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.24%▲ 0.67% above avgNationally 2.78%
Details

Non-Compounding: dividend rate 3.90%, APY non-compounding 3.90%

Rate History
3 changes since Sep 14, 2026 · 3.76% → 3.90% ▲ 0.14 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYSep 18, 2026: 3.87% APYOct 4, 2026: 3.97% APYOct 12, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.90%▼ from 3.97%
  • Oct 4, 20263.97%▲ from 3.87%
  • Sep 18, 20263.87%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 6 Months
$0
3.90% ▲ 0.67% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificate - 6 Month
$10,000
3.85% ▲ 0.62% above Alabama avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 5, 2026: 3.85% APYOct 5, 2026Oct 13, 2026
Red Oak Credit Union
Institution Rating:
B3.8 ★Texas Ratio: 4.34%
Regular & IRA Certificates - 6 Months
$0
3.85% ▲ 0.62% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
6 Month Certificate
$1,000
3.82% ▲ 0.59% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.59% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 9, 2026: 3.82% APYOct 9, 2026Oct 13, 2026
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month Certificate
$0
3.81% ▲ 0.58% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.58% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 8 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
6 Month CD
$0
3.81% ▲ 0.58% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.58% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
6 Month Business Certificates of Deposit
$500
3.80% ▲ 0.57% above Alabama avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.24%▲ 0.57% above avgNationally 2.78%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 18, 2026: 3.75% APYOct 2, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.80%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 6 Months
$500
3.80% ▲ 0.57% above Alabama avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.24%▲ 0.57% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 18, 2026: 3.75% APYOct 2, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.80%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Local Bank Red Level, AL
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6 Month Certificate of Deposit
$0
3.80% ▲ 0.57% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.24%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
6 Month Certificate
$0
3.80% ▲ 0.57% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.57% above avgNationally 2.78%
Details

Balance: 6 Months $500 Minimum Balance

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
6 Month Certificate
$0
3.76% ▲ 0.52% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.52% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.76% APY
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 13, 2026
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 6 Months
$0
3.76% ▲ 0.52% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.52% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
6 Month CD
$500
3.75% ▲ 0.52% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.24%▲ 0.52% above avgNationally 2.78%
Details

Minimum deposit of $500 with a maximum of $1,000,000. The Annual Percentage Yield (APY) of 3.75% is effective and accurate as of October 2, 2026. 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.

Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 8, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 8, 20263.50%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Share Certificate
$0
3.75% ▲ 0.52% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.52% above avgNationally 2.78%
Details

Term: 6 months - FEATURED RATE

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 6 months
$500
3.75% ▲ 0.52% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.52% above avgNationally 2.78%
Details

FEATURED RATE

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Months CD Special
$0
3.75% ▲ 0.52% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.24%▲ 0.52% above avgNationally 2.78%
Details

Special CD rate; see footnote ** on source page

Rate History
1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 12, 2026: 3.50% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 12, 20263.50%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6-Month Share Certificate
$5,000
3.75% ▲ 0.52% above Alabama avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.24%▲ 0.52% above avgNationally 2.78%
Details

Featured term; requires a minimum deposit of $5,000 (new or existing funds)

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
6 Month Jumbo Share Certificate
$100,000
3.70% ▲ 0.47% above Alabama avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share and IRA Certificates of Deposit - 6 Months
$0
3.70% ▲ 0.47% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.24%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month CD
$0
3.68% ▲ 0.45% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.24%▲ 0.45% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 7, 2026: 3.68% APYOct 7, 2026Oct 13, 2026
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Certificate of Deposit - 6 Months
$500
3.68% ▲ 0.45% above Alabama avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.24%▲ 0.45% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 7, 2026: 3.68% APYOct 7, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
6 Month Bonus Certificates
$0
3.66% ▲ 0.43% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.43% above avgNationally 2.78%
Details

Balance: 6 Month

Rate History
1 change since Sep 21, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 21, 2026: 3.60% APYOct 5, 2026: 3.66% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20263.66%▲ from 3.60%
  • Sep 21, 20263.60%first recorded
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
6 Month Share Certificate
$500
3.65% ▲ 0.42% above Alabama avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.24%▲ 0.42% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 6 Months Fixed
$1,000
3.65% ▲ 0.42% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.24%▲ 0.42% above avgNationally 2.78%
Details

Compounding: dividend rate 3.60%, APY compounding 3.65%

Rate History
2 changes since Sep 14, 2026 · 3.44% → 3.65% ▲ 0.21 pts · high 3.65% / low 3.44%
2.94%3.55%4.15%Sep 14, 2026: 3.44% APYSep 18, 2026: 3.55% APYOct 4, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.65%▲ from 3.55%
  • Sep 18, 20263.55%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Months Business Share Certificate/CD
$1,000
3.65% ▲ 0.42% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.24%▲ 0.42% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 13, 2026

Sylvan Springs 12 Month CD Rates

Alabama 12 Month CD Average3.30% APYNational 2.99%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 1.70% above Alabama avg
View
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 1.70% above avgNationally 2.99%
Details

The Family Legacy Certificate Account must be opened within two years of the date of death. Eligibility is subject to verification.

Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
4.41%4.96%5.50%Sep 14, 2026: 4.91% APYSep 17, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.00%▲ from 4.91%
  • Sep 14, 20264.91%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
12 Month Jumbo Share Certificates (CDs)
$0
4.53% ▲ 1.23% above Alabama avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 1.23% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.07% → 4.53% ▲ 0.46 pts · high 4.53% / low 4.07%
3.57%4.30%5.03%Sep 18, 2026: 4.07% APYOct 9, 2026: 4.53% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.53%▲ from 4.07%
  • Sep 18, 20264.07%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Youth Certificates
$0
4.50% ▲ 1.20% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 1.20% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 30, 2026: 4.50% APYSep 30, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 1 12 months
$0
4.50% ▲ 1.20% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 1.20% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.05% above Alabama avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 1.05% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 12 Month
$0
4.31% ▲ 1.01% above Alabama avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 1.01% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.31% APY
3.81%4.31%4.81%Oct 10, 2026: 4.31% APYOct 10, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$100,000
4.23% ▲ 0.93% above Alabama avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 0.93% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12 Month Certificate
$500
4.20% ▲ 0.90% above Alabama avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.90% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12 Month IRA
$0
4.20% ▲ 0.90% above Alabama avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.90% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month Certificate
$1,000
4.18% ▲ 0.88% above Alabama avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 0.88% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 4.18% APY · checked 5 times
3.68%4.18%4.68%Sep 22, 2026: 4.18% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA
$1,000
4.18% ▲ 0.88% above Alabama avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 0.88% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month CD
$0
4.16% ▲ 0.86% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 9, 2026: 4.16% APYOct 9, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Jumbo Certificate
$250,000
4.16% ▲ 0.86% above Alabama avg
View
▼
Rate4.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.86% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.16% / low 3.80%
3.30%3.98%4.66%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.16%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 12 Months Fixed
$100,000
4.13% ▲ 0.83% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.30%▲ 0.83% above avgNationally 2.99%
Details

Compounding: dividend rate 4.05%, APY compounding 4.13%

Rate History
3 changes since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYSep 25, 2026: 4.02% APYOct 4, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 25, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Local Bank Red Level, AL
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
12 Month Certificate of Deposit
$0
4.10% ▲ 0.80% above Alabama avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.30%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
12 Month Certificate
$0
4.10% ▲ 0.80% above Alabama avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 0.80% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
12 Months Share Certificate
$500
4.10% ▲ 0.80% above Alabama avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 0.80% above avgNationally 2.99%
Details

12 Months*

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month Share Certificate
$1,000
4.10% ▲ 0.80% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Accounts - 12 month special
$1,000
4.10% ▲ 0.80% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 10, 2026: 4.10% APYOct 10, 2026Oct 13, 2026
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
12 month certificate
$1,000
4.08% ▲ 0.78% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 0.78% above avgNationally 2.99%
Details

Best rate

Rate History
No change since Oct 10, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 10, 2026: 4.08% APYOct 10, 2026Oct 13, 2026
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
12 Month Certificate
$0
4.06% ▲ 0.76% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.76% above avgNationally 2.99%
Details

Balance: 12 Months $500 Minimum Balance

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Roth IRA Certificate
$500
4.06% ▲ 0.76% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.76% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 14, 2026: 3.70% APYSep 29, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.06%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Standard Certificate
$500
4.06% ▲ 0.76% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.76% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 14, 2026: 3.70% APYSep 29, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.06%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 12 Months Fixed
$100,000
4.05% ▲ 0.75% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.30%▲ 0.75% above avgNationally 2.99%
Details

Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05%

Rate History
4 changes since Sep 14, 2026 · 3.82% → 4.05% ▲ 0.23 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYSep 25, 2026: 4.02% APYOct 4, 2026: 4.13% APYOct 12, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.05%▼ from 4.13%
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 25, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
12 Month IRA Certificate
$0
4.05% ▲ 0.75% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.75% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month Bonus Certificates
$0
4.02% ▲ 0.72% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.72% above avgNationally 2.99%
Details

Balance: 12 Month

Rate History
2 changes since Sep 21, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 21, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month Bonus IRA Certificate
$0
4.02% ▲ 0.72% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.72% above avgNationally 2.99%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.70% above Alabama avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.30%▲ 0.70% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
12 month CD
$1,000
4.00% ▲ 0.70% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.30%▲ 0.70% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
1 Year CD
$0
4.00% ▲ 0.70% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.70% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month Certificates
$0
4.00% ▲ 0.70% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Alabama Average3.30%▲ 0.70% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month IRA Certificate
$500
4.00% ▲ 0.70% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.70% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 14, 2026: 3.70% APYSep 29, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.00%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 12 Months
$0
4.00% ▲ 0.70% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.70% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
12 Month Business Certificates of Deposit
$500
3.95% ▲ 0.65% above Alabama avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.30%▲ 0.65% above avgNationally 2.99%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 18, 2026: 3.70% APYOct 2, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.95%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 12 Months
$500
3.95% ▲ 0.65% above Alabama avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.30%▲ 0.65% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 18, 2026: 3.70% APYOct 2, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.95%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1 Year Share Certificates
$0
3.90% ▲ 0.60% above Alabama avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.60% above avgNationally 2.99%
Details

Balance: $1,000,000.00 +

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 12 Month Term- Jumbo
$0
3.87% ▲ 0.57% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.30%▲ 0.57% above avgNationally 2.99%
Details

Jumbo; dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.87% ▲ 0.10 pts · high 3.87% / low 3.77%
3.27%3.82%4.37%Sep 14, 2026: 3.77% APYOct 12, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
Share Certificate 12 Months
$500
3.87% ▲ 0.57% above Alabama avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.57% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 22, 2026: 3.87% APYSep 22, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month Certificate
$0
3.86% ▲ 0.56% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.56% above avgNationally 2.99%
Details

Balance: $2,500

Rate History
1 change since Sep 14, 2026 · 3.79% → 3.86% ▲ 0.07 pts · high 3.86% / low 3.79%
3.29%3.82%4.36%Sep 14, 2026: 3.79% APYOct 5, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.86%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 12 Month
$0
3.86% ▲ 0.56% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.56% above avgNationally 2.99%
Details

Balance: $2,000

Rate History
No change since Oct 5, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Oct 5, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
YOUth Boost 12-Month
$0
3.86% ▲ 0.56% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.56% above avgNationally 2.99%
Details

Balance: $250

Rate History
2 changes since Sep 21, 2026 · 3.79% → 3.86% ▲ 0.07 pts · high 3.86% / low 3.79%
3.29%3.82%4.36%Sep 21, 2026: 3.79% APYSep 25, 2026: 3.81% APYOct 5, 2026: 3.86% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.79%
  • Sep 21, 20263.79%first recorded
Gulf Coast Federal Credit Union
Institution Rating:
C+3.8 ★Texas Ratio: 17.15%
12-month Certificate of Deposit
$500
3.82% ▲ 0.52% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.30%▲ 0.52% above avgNationally 2.99%
Details

Up to 3.82% APY; $500 min to open

Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 12, 2026: 3.82% APYSep 12, 2026Oct 13, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
12 Month Share Certificate
$500
3.80% ▲ 0.50% above Alabama avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.30%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 Year C.D.
$1,000
3.80% ▲ 0.50% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.30%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 12 Months Fixed
$1,000
3.80% ▲ 0.50% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.30%▲ 0.50% above avgNationally 2.99%
Details

Compounding: dividend rate 3.75%, APY compounding 3.80%

Rate History
3 changes since Sep 14, 2026 · 3.49% → 3.80% ▲ 0.31 pts · high 3.80% / low 3.49%
2.99%3.65%4.30%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYSep 25, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 25, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 12 Months Fixed
$0
3.80% ▲ 0.50% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.30%▲ 0.50% above avgNationally 2.99%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$0
3.80% ▲ 0.50% above Alabama avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.50% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
2.95%3.63%4.30%Sep 14, 2026: 3.45% APYOct 5, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.80%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1 Year Share Certificates
$0
3.80% ▲ 0.50% above Alabama avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.50% above avgNationally 2.99%
Details

Balance: $245,000.00 - $999,999.99

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
12 Month Certificate Account
$0
3.80% ▲ 0.50% above Alabama avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
12 Month Individual Retirement Account (IRA) Certificate
$0
3.80% ▲ 0.50% above Alabama avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.30%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026

Sylvan Springs 18 Month CD Rates

Alabama 18 Month CD Average3.21% APYNational 2.87%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
18 Month Share Certificate
$0
5.00% ▲ 1.79% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 1.79% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month CD
$0
4.35% ▲ 1.14% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.21%▲ 1.14% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month IRA CD
$0
4.35% ▲ 1.14% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.21%▲ 1.14% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Month Certificate
$500
4.30% ▲ 1.09% above Alabama avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 1.09% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
4.28% ▲ 1.07% above Alabama avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 1.07% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 18 Month
$0
4.26% ▲ 1.05% above Alabama avg
View
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 1.05% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.26% APY
3.76%4.26%4.76%Oct 10, 2026: 4.26% APYOct 10, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Certificate
$1,000
4.23% ▲ 1.02% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 1.02% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 4.23% APY · checked 5 times
3.73%4.23%4.73%Sep 22, 2026: 4.23% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$1,000
4.23% ▲ 1.02% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 1.02% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
4.10% ▲ 0.89% above Alabama avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.89% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
18 month CD
$1,000
4.08% ▲ 0.87% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.21%▲ 0.87% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
18 Month Business Certificates of Deposit
$500
4.05% ▲ 0.84% above Alabama avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.21%▲ 0.84% above avgNationally 2.87%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 18, 2026: 3.65% APYOct 2, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.05%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 18 Months
$500
4.05% ▲ 0.84% above Alabama avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.21%▲ 0.84% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 18, 2026: 3.65% APYOct 2, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.05%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
18 Month Certificate
$0
4.05% ▲ 0.84% above Alabama avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 0.84% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month C.D.
$1,000
4.01% ▲ 0.80% above Alabama avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.21%▲ 0.80% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 4.01% APY · checked 5 times
3.51%4.01%4.51%Sep 24, 2026: 4.01% APYSep 24, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month Certificate
$0
3.95% ▲ 0.74% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.74% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 18 Months Fixed
$100,000
3.92% ▲ 0.71% above Alabama avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.21%▲ 0.71% above avgNationally 2.87%
Details

Compounding: dividend rate 3.85%, APY compounding 3.92%

Rate History
2 changes since Sep 14, 2026 · 3.71% → 3.92% ▲ 0.21 pts · high 3.92% / low 3.71%
3.21%3.82%4.42%Sep 14, 2026: 3.71% APYSep 18, 2026: 3.82% APYOct 4, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.92%▲ from 3.82%
  • Sep 18, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 18 Months Fixed
$100,000
3.85% ▲ 0.64% above Alabama avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.21%▲ 0.64% above avgNationally 2.87%
Details

Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85%

Rate History
3 changes since Sep 14, 2026 · 3.71% → 3.85% ▲ 0.14 pts · high 3.92% / low 3.71%
3.21%3.82%4.42%Sep 14, 2026: 3.71% APYSep 18, 2026: 3.82% APYOct 4, 2026: 3.92% APYOct 12, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.85%▼ from 3.92%
  • Oct 4, 20263.92%▲ from 3.82%
  • Sep 18, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
18 Month Share Certificate
$500
3.80% ▲ 0.59% above Alabama avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.59% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 3.80% / low 3.80%
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYOct 9, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.80%▼ from 3.80%
  • Sep 18, 20263.80%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 18 Months
$0
3.80% ▲ 0.59% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.59% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month Certificate of Deposit
$0
3.75% ▲ 0.54% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.21%▲ 0.54% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share and IRA Certificates of Deposit - 18 Months
$0
3.75% ▲ 0.54% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 0.54% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.49% above Alabama avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 0.49% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18 Month Certificate
$0
3.66% ▲ 0.45% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.45% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 9, 2026: 3.66% APYOct 9, 2026Oct 13, 2026
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 18 Months
$0
3.66% ▲ 0.45% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.45% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 18 Months Fixed
$1,000
3.60% ▲ 0.39% above Alabama avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.21%▲ 0.39% above avgNationally 2.87%
Details

Compounding: dividend rate 3.55%, APY compounding 3.60%

Rate History
2 changes since Sep 14, 2026 · 3.39% → 3.60% ▲ 0.21 pts · high 3.60% / low 3.39%
2.89%3.50%4.10%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.49% APYOct 4, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.60%▲ from 3.49%
  • Sep 18, 20263.49%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 18 Months Fixed
$0
3.60% ▲ 0.39% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.21%▲ 0.39% above avgNationally 2.87%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
Share Certificate 18 Months
$500
3.56% ▲ 0.35% above Alabama avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.35% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 22, 2026: 3.56% APYSep 22, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 18 Months Fixed
$1,000
3.55% ▲ 0.34% above Alabama avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.21%▲ 0.34% above avgNationally 2.87%
Details

Non-Compounding: dividend rate 3.55%, APY non-compounding 3.55%

Rate History
3 changes since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.60% / low 3.39%
2.89%3.50%4.10%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.49% APYOct 4, 2026: 3.60% APYOct 12, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.55%▼ from 3.60%
  • Oct 4, 20263.60%▲ from 3.49%
  • Sep 18, 20263.49%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Jumbo Certificate
$250,000
3.55% ▲ 0.34% above Alabama avg
View
▼
Rate3.50%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.34% above avgNationally 2.87%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
CD Special 18 Month
$0
3.55% ▲ 0.34% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.34% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Term Share Certificate
$0
3.51% ▲ 0.30% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.30% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 18, 2026 · 3.51% → 3.51% ▼ 0.00 pts · high 3.51% / low 3.46%
2.96%3.49%4.01%Sep 18, 2026: 3.51% APYOct 5, 2026: 3.46% APYOct 9, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.51%▲ from 3.46%
  • Oct 5, 20263.46%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
18 Month Share Certificate
$0
3.50% ▲ 0.29% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 0.29% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 18 months
$500
3.50% ▲ 0.29% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 0.29% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
Legacy Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
18 Month Certificate & IRA
$0
3.50% ▲ 0.29% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.29% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
18 Month Certificate
$0
3.46% ▲ 0.25% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.21%▲ 0.25% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Certificate
$0
3.46% ▲ 0.25% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.25% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 14, 2026 · 3.46% → 3.46% ▼ 0.00 pts · high 3.51% / low 3.46%
2.96%3.49%4.01%Sep 14, 2026: 3.46% APYOct 5, 2026: 3.51% APYOct 9, 2026: 3.46% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.46%▼ from 3.51%
  • Oct 5, 20263.51%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month IRA Plus Certificates
$0
3.44% ▲ 0.23% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.23% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates Plus
$0
3.44% ▲ 0.23% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.23% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month IRA Certificate
$500
3.44% ▲ 0.23% above Alabama avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.23% above avgNationally 2.87%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 4 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Standard Certificate
$500
3.44% ▲ 0.23% above Alabama avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.23% above avgNationally 2.87%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 5 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 Month Certificate
$500
3.40% ▲ 0.19% above Alabama avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 0.19% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 Month IRA
$500
3.40% ▲ 0.19% above Alabama avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 0.19% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18 Month IRA Certificate
$0
3.35% ▲ 0.14% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Alabama Average3.21%▲ 0.14% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18 Month Share Certificates
$0
3.35% ▲ 0.14% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Alabama Average3.21%▲ 0.14% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
18 Months Share Certificate
$500
3.35% ▲ 0.14% above Alabama avg
View
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 0.14% above avgNationally 2.87%
Details

18 Months*

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month Certificate of Deposit
$500
3.30% ▲ 0.09% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 0.09% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
18 Month CD
$0
3.30% ▲ 0.09% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 0.09% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Red Oak Credit Union
Institution Rating:
B3.8 ★Texas Ratio: 4.34%
Regular & IRA Certificates - 18 Months
$500
3.29% ▲ 0.08% above Alabama avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.21%▲ 0.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Sep 22, 2026: 3.29% APYSep 22, 2026Oct 13, 2026
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
18 month certificate
$1,000
3.25% ▲ 0.04% above Alabama avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.21%▲ 0.04% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 13, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
18 Month Jumbo Share & IRA Certificates
$0
3.25% ▲ 0.04% above Alabama avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.21%▲ 0.04% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026

Sylvan Springs 24 Month CD Rates

Alabama 24 Month CD Average3.19% APYNational 2.88%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
24 Month Jumbo Share Certificates (CDs)
$0
4.82% ▲ 1.63% above Alabama avg
View
▼
Rate4.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 1.63% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.82% ▲ 0.54 pts · high 4.82% / low 4.28%
3.74%4.55%5.37%Sep 18, 2026: 4.28% APYOct 9, 2026: 4.82% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.82%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Month Certificate
$500
4.40% ▲ 1.21% above Alabama avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 1.21% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Month IRA
$0
4.40% ▲ 1.21% above Alabama avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 1.21% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24-month CD
$0
4.25% ▲ 1.06% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▲ 1.06% above avgNationally 2.88%
Details

Save on your terms with a guaranteed rate of return on a Certificate of Deposit.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 24 Month
$0
4.20% ▲ 1.01% above Alabama avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 1.01% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 10, 2026: 4.20% APYOct 10, 2026Oct 13, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
24 Months Share Certificate
$500
4.20% ▲ 1.01% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 1.01% above avgNationally 2.88%
Details

24 Months*

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$100,000
4.13% ▲ 0.94% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 0.94% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
24 month IRA
$500
4.08% ▲ 0.89% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.89% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month Certificate
$1,000
4.07% ▲ 0.88% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 0.88% above avgNationally 2.88%
Details

Rate History
1 change since Sep 22, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 22, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 22, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA
$1,000
4.07% ▲ 0.88% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 0.88% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2 Year C.D.
$1,000
4.06% ▲ 0.87% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.19%▲ 0.87% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 24, 2026: 4.06% APYSep 24, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 24 Months Fixed
$100,000
4.02% ▲ 0.83% above Alabama avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.83% above avgNationally 2.88%
Details

Compounding: dividend rate 3.95%, APY compounding 4.02%

Rate History
2 changes since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYOct 4, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus Certificates
$0
4.02% ▲ 0.83% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.83% above avgNationally 2.88%
Details

Balance: 24 Month

Rate History
2 changes since Sep 21, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 21, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 21, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus IRA Certificate
$0
4.02% ▲ 0.83% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.83% above avgNationally 2.88%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 13, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
24 Month Business Certificates of Deposit
$500
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.88%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Sep 18, 2026: 3.55% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.00%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 24 Months
$500
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Sep 18, 2026: 3.55% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.00%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Months Business Share Certificate/CD
$1,000
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Months CD
$1,000
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
24 Month Certificate
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Neighborhood Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
24-month certificate
$0
3.97% ▲ 0.78% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.78% above avgNationally 2.88%
Details

APY = Annual Percentage Yield. Rates subject to change. Membership eligibility required.

Rate History
No change since Sep 17, 2026 · 3.97% APY · checked 6 times
3.47%3.97%4.47%Sep 17, 2026: 3.97% APYSep 17, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 24 Months Fixed
$100,000
3.95% ▲ 0.76% above Alabama avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.76% above avgNationally 2.88%
Details

Non-Compounding: dividend rate 3.95%, APY non-compounding 3.95%

Rate History
3 changes since Sep 14, 2026 · 3.82% → 3.95% ▲ 0.13 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYOct 4, 2026: 4.02% APYOct 12, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.95%▼ from 4.02%
  • Oct 4, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
2 Years CD
$0
3.90% ▲ 0.71% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.71% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 5, 2026: 3.90% APYOct 5, 2026Oct 13, 2026
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
24 Month IRA Certificate
$0
3.90% ▲ 0.71% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.71% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Certificate
$0
3.86% ▲ 0.67% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.67% above avgNationally 2.88%
Details

Balance: $2,500

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Certificate
$0
3.85% ▲ 0.66% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.66% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
24 month CD
$1,000
3.82% ▲ 0.63% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.63% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 24 Month
$0
3.82% ▲ 0.63% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.63% above avgNationally 2.88%
Details

Balance: $2,000

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Roth Executive
$100,000
3.80% ▲ 0.61% above Alabama avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Traditional Executive
$100,000
3.80% ▲ 0.61% above Alabama avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Executive
$0
3.80% ▲ 0.61% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 21, 2026: 3.80% APYSep 21, 2026Oct 13, 2026
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
24 Month Certificate
$0
3.80% ▲ 0.61% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details

Balance: 24 Months $500 Minimum Balance

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Business Share Certificates - 2 Year
$0
3.80% ▲ 0.61% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
24 Month Youth Certificate
$0
3.75% ▲ 0.56% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Youth Certificates - 24 months
$0
3.75% ▲ 0.56% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
2 Year Share Certificate
$500
3.75% ▲ 0.56% above Alabama avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
24 Month Certificate
$1,000
3.75% ▲ 0.56% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
24 Month IRA Share Certificate
$1,000
3.75% ▲ 0.56% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.53% → 3.75% ▲ 1.22 pts · high 3.75% / low 2.53%
1.31%3.14%4.97%Sep 14, 2026: 2.53% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 2.53%
  • Sep 14, 20262.53%first recorded
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
24 Month Share Certificate
$1,000
3.75% ▲ 0.56% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Accounts - 24 month
$1,000
3.75% ▲ 0.56% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 24 Months Fixed
$1,000
3.70% ▲ 0.51% above Alabama avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.51% above avgNationally 2.88%
Details

Compounding: dividend rate 3.65%, APY compounding 3.70%

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 24 Months Fixed
$0
3.70% ▲ 0.51% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.51% above avgNationally 2.88%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Roth Premier
$10,000
3.70% ▲ 0.51% above Alabama avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.51% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Traditional Premier
$10,000
3.70% ▲ 0.51% above Alabama avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.51% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2 Year Share/IRA Certificate (CD)
$1,000
3.70% ▲ 0.51% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.51% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 14, 2026: 3.65% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.70%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 24 Month Term- Jumbo
$0
3.67% ▲ 0.48% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.48% above avgNationally 2.88%
Details

Jumbo; dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.67% ▲ 0.06 pts · high 3.67% / low 3.61%
3.11%3.64%4.17%Sep 14, 2026: 3.61% APYOct 12, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.67%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 24 Months Fixed
$1,000
3.65% ▲ 0.46% above Alabama avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.46% above avgNationally 2.88%
Details

Non-Compounding: dividend rate 3.65%, APY non-compounding 3.65%

Rate History
3 changes since Sep 14, 2026 · 3.49% → 3.65% ▲ 0.16 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYOct 12, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.65%▼ from 3.70%
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
24-Month IRA CD
$0
3.65% ▲ 0.46% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.46% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.65% ▲ 0.41 pts · high 3.65% / low 3.24%
2.74%3.45%4.15%Sep 14, 2026: 3.24% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.65%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share and IRA Certificates of Deposit - 24 Months
$0
3.65% ▲ 0.46% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.41% above Alabama avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.19%▲ 0.41% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026

Sylvan Springs 36 Month CD Rates

Alabama 36 Month CD Average3.05% APYNational 2.81%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
36 Month Jumbo Share Certificates (CDs)
$0
4.93% ▲ 1.88% above Alabama avg
View
▼
Rate4.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 1.88% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.93% ▲ 0.57 pts · high 4.93% / low 4.35%
3.78%4.64%5.50%Sep 18, 2026: 4.35% APYOct 9, 2026: 4.93% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.93%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
36 Month Certificate
$500
4.60% ▲ 1.55% above Alabama avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 1.55% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
36 Month IRA
$0
4.60% ▲ 1.55% above Alabama avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 1.55% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 36 Month
$0
4.26% ▲ 1.21% above Alabama avg
View
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 1.21% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 4.26% APY
3.76%4.26%4.76%Oct 10, 2026: 4.26% APYOct 10, 2026Oct 13, 2026
First National Bank of Pulaski
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
36 Month Certificate of Deposit
$10,000
4.25% ▲ 1.20% above Alabama avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▲ 1.20% above avgNationally 2.81%
Details

Term: 36 Months CD with 1x Bump; You may exercise a one-time rate bump during the CD term, the new rate will be determined by the book rate for a 36 month CD and effective for the remaining CD term. Member FDIC.

Rate History
No change since Sep 29, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 29, 2026: 4.25% APYSep 29, 2026Oct 13, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
36 Months Share Certificate
$500
4.20% ▲ 1.15% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 1.15% above avgNationally 2.81%
Details

36 Months*

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 Year C.D.
$1,000
4.16% ▲ 1.11% above Alabama avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.05%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 4.16% APY · checked 5 times
3.66%4.16%4.66%Sep 24, 2026: 4.16% APYSep 24, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.10% above Alabama avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 1.10% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 36 Months Fixed
$100,000
4.13% ▲ 1.08% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 1.08% above avgNationally 2.81%
Details

Compounding: dividend rate 4.05%, APY compounding 4.13%

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 18, 2026: 4.02% APYOct 4, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$100,000
4.13% ▲ 1.08% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.05% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 1.05% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month Certificate
$1,000
4.07% ▲ 1.02% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 1.02% above avgNationally 2.81%
Details

Rate History
1 change since Sep 22, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 22, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 22, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA
$1,000
4.07% ▲ 1.02% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 1.02% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 36 Months Fixed
$100,000
4.05% ▲ 1.00% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 1.00% above avgNationally 2.81%
Details

Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05%

Rate History
3 changes since Sep 14, 2026 · 3.92% → 4.05% ▲ 0.13 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 18, 2026: 4.02% APYOct 4, 2026: 4.13% APYOct 12, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.05%▼ from 4.13%
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
36 Month Certificate
$0
4.05% ▲ 1.00% above Alabama avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 1.00% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.05% ▲ 0.60 pts · high 4.05% / low 3.45%
2.85%3.75%4.65%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.05%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus Certificates
$0
4.02% ▲ 0.97% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.97% above avgNationally 2.81%
Details

Balance: 36 Month

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.02% ▲ 0.05 pts · high 4.02% / low 3.97%
3.47%4.00%4.52%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus IRA Certificate
$0
4.02% ▲ 0.97% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.97% above avgNationally 2.81%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Months Business Share Certificate/CD
$1,000
4.00% ▲ 0.95% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Months CD
$1,000
4.00% ▲ 0.95% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
36 Month Business Certificates of Deposit
$500
3.90% ▲ 0.85% above Alabama avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▲ 0.85% above avgNationally 2.81%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 18, 2026: 3.50% APYOct 2, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.90%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 36 Months
$500
3.90% ▲ 0.85% above Alabama avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▲ 0.85% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 18, 2026: 3.50% APYOct 2, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.90%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Certificate
$0
3.86% ▲ 0.81% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.81% above avgNationally 2.81%
Details

Balance: $2,500

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 36 Month
$0
3.86% ▲ 0.81% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.81% above avgNationally 2.81%
Details

Balance: $2,000

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
36 Month IRA Certificate
$0
3.85% ▲ 0.80% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
36 Month Certificate
$1,000
3.85% ▲ 0.80% above Alabama avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
36 Month IRA Share Certificate
$1,000
3.85% ▲ 0.80% above Alabama avg
View
▼
Rate3.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.80% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.53% → 3.85% ▲ 1.32 pts · high 3.85% / low 2.53%
1.21%3.19%5.17%Sep 14, 2026: 2.53% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 2.53%
  • Sep 14, 20262.53%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
36 month CD
$1,000
3.82% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 36 Months Fixed
$1,000
3.80% ▲ 0.75% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.75% above avgNationally 2.81%
Details

Compounding: dividend rate 3.75%, APY compounding 3.80%

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 36 Months Fixed
$0
3.80% ▲ 0.75% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.75% above avgNationally 2.81%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Year Elite Share Certificate
$10,000
3.80% ▲ 0.75% above Alabama avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.75% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.70% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Year Share/IRA Certificate (CD)
$1,000
3.80% ▲ 0.75% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.75% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.70% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 36 Months Fixed
$1,000
3.75% ▲ 0.70% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75%

Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYOct 12, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.75%▼ from 3.80%
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
3 Years CD
$0
3.75% ▲ 0.70% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month IRA Plus Certificates
$0
3.75% ▲ 0.70% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificates Plus
$0
3.75% ▲ 0.70% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Certificate
$0
3.75% ▲ 0.70% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
36 Month Share Certificate
$1,000
3.75% ▲ 0.70% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Accounts - 36 month
$1,000
3.75% ▲ 0.70% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 36 Months Fixed
$0
3.70% ▲ 0.65% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.65% above avgNationally 2.81%
Details

Compounding: dividend rate 3.65%, APY compounding 3.70%

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 36 Months Fixed
$0
3.65% ▲ 0.60% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.60% above avgNationally 2.81%
Details

Non-Compounding: dividend rate 3.65%, APY non-compounding 3.65%

Rate History
3 changes since Sep 14, 2026 · 3.49% → 3.65% ▲ 0.16 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYOct 12, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.65%▼ from 3.70%
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share and IRA Certificates of Deposit - 36 Months
$0
3.65% ▲ 0.60% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 0.60% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 36 Months
$0
3.60% ▲ 0.55% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.55% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
36 Month Certificate
$500
3.60% ▲ 0.55% above Alabama avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 0.55% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
36 Month IRA
$500
3.60% ▲ 0.55% above Alabama avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.05%▲ 0.55% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
Share Certificate 36 Months
$500
3.56% ▲ 0.51% above Alabama avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.51% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 22, 2026: 3.56% APYSep 22, 2026Oct 13, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
36 Month Share Certificate
$500
3.55% ▲ 0.50% above Alabama avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year IRA Certificate Roth Executive
$100,000
3.55% ▲ 0.50% above Alabama avg
View
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year IRA Certificate Traditional Executive
$100,000
3.55% ▲ 0.50% above Alabama avg
View
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month IRA Certificate
$0
3.55% ▲ 0.50% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificate
$0
3.55% ▲ 0.50% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 13, 2026

Sylvan Springs 48 Month CD Rates

Alabama 48 Month CD Average2.92% APYNational 2.80%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
48 Month Certificate
$500
4.70% ▲ 1.78% above Alabama avg
View
▼
Rate4.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 1.78% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 48 Month
$0
4.31% ▲ 1.39% above Alabama avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 1.39% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 4.31% APY
3.81%4.31%4.81%Oct 10, 2026: 4.31% APYOct 10, 2026Oct 13, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4 Year C.D.
$1,000
4.22% ▲ 1.30% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average2.92%▲ 1.30% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 4.22% APY · checked 5 times
3.72%4.22%4.72%Sep 24, 2026: 4.22% APYSep 24, 2026Oct 13, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
48 Months Share Certificate
$500
4.20% ▲ 1.28% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 1.28% above avgNationally 2.80%
Details

48 Months*

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$100,000
4.18% ▲ 1.26% above Alabama avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.92%▲ 1.26% above avgNationally 2.80%
Details

Compounding: dividend rate 4.10%, APY compounding 4.18%

Rate History
2 changes since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.07% APYOct 4, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.18%▲ from 4.07%
  • Sep 18, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$100,000
4.13% ▲ 1.21% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 1.21% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$100,000
4.10% ▲ 1.18% above Alabama avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.92%▲ 1.18% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 4.10%, APY non-compounding 4.10%

Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.10% ▲ 0.13 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.07% APYOct 4, 2026: 4.18% APYOct 12, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.10%▼ from 4.18%
  • Oct 4, 20264.18%▲ from 4.07%
  • Sep 18, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
48 Month Certificate
$0
4.10% ▲ 1.18% above Alabama avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 1.18% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Certificate
$1,000
4.07% ▲ 1.15% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 1.15% above avgNationally 2.80%
Details

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$1,000
4.07% ▲ 1.15% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 1.15% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus Certificates
$0
3.97% ▲ 1.05% above Alabama avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 1.05% above avgNationally 2.80%
Details

Balance: 48 Month

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus IRA Certificate
$0
3.97% ▲ 1.05% above Alabama avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 1.05% above avgNationally 2.80%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 9, 2026: 3.97% APYOct 9, 2026Oct 13, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
48 Month Business Certificates of Deposit
$500
3.85% ▲ 0.93% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.92%▲ 0.93% above avgNationally 2.80%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 18, 2026: 3.45% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 48 Months
$500
3.85% ▲ 0.93% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.92%▲ 0.93% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 18, 2026: 3.45% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 48 Months Fixed
$1,000
3.85% ▲ 0.93% above Alabama avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.92%▲ 0.93% above avgNationally 2.80%
Details

Compounding: dividend rate 3.80%, APY compounding 3.85%

Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 48 Months Fixed
$0
3.85% ▲ 0.93% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.92%▲ 0.93% above avgNationally 2.80%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month IRA Plus Certificates
$0
3.85% ▲ 0.93% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.93% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates Plus
$0
3.85% ▲ 0.93% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.93% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month Certificate
$0
3.85% ▲ 0.93% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.93% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
48 month CD
$1,000
3.82% ▲ 0.90% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.92%▲ 0.90% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Certificate
$0
3.81% ▲ 0.89% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.89% above avgNationally 2.80%
Details

Balance: $2,500

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 48 Month
$0
3.81% ▲ 0.89% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.89% above avgNationally 2.80%
Details

Balance: $2,000

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 48 Months Fixed
$1,000
3.80% ▲ 0.88% above Alabama avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.92%▲ 0.88% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 3.80%, APY non-compounding 3.80%

Rate History
3 changes since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.80%▼ from 3.85%
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
48 Month IRA Certificate
$0
3.80% ▲ 0.88% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.88% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 48 Months Fixed
$0
3.75% ▲ 0.83% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.92%▲ 0.83% above avgNationally 2.80%
Details

Compounding: dividend rate 3.70%, APY compounding 3.75%

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.65% APYOct 4, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
48 Month Certificate
$1,000
3.75% ▲ 0.83% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
48 Month IRA Share Certificate
$1,000
3.75% ▲ 0.83% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.83% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.58% → 3.75% ▲ 1.17 pts · high 3.75% / low 2.58%
1.41%3.17%4.92%Sep 14, 2026: 2.58% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 2.58%
  • Sep 14, 20262.58%first recorded
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
48 Month Share Certificate
$1,000
3.75% ▲ 0.83% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Accounts - 48 month
$1,000
3.75% ▲ 0.83% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 48 Months Fixed
$0
3.70% ▲ 0.78% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.92%▲ 0.78% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 3.70%, APY non-compounding 3.70%

Rate History
3 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.65% APYOct 4, 2026: 3.75% APYOct 12, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.70%▼ from 3.75%
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month IRA Certificate
$0
3.65% ▲ 0.73% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificate
$0
3.65% ▲ 0.73% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 13, 2026
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share and IRA Certificates of Deposit - 48 Months
$0
3.65% ▲ 0.73% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 Month Certificate
$500
3.65% ▲ 0.73% above Alabama avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 Month IRA
$500
3.65% ▲ 0.73% above Alabama avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
4 Years CD
$0
3.60% ▲ 0.68% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 5, 2026: 3.60% APYOct 5, 2026Oct 13, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Business Share Certificates - 4 Year
$0
3.55% ▲ 0.63% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.63% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
48 Month Share Certificate
$500
3.50% ▲ 0.58% above Alabama avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.92%▲ 0.58% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
48 Month Share Certificate
$0
3.50% ▲ 0.58% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 0.58% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 48 months
$500
3.50% ▲ 0.58% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average2.92%▲ 0.58% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month IRA Certificate
$0
3.50% ▲ 0.58% above Alabama avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Alabama Average2.92%▲ 0.58% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month Share Certificates
$0
3.50% ▲ 0.58% above Alabama avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Alabama Average2.92%▲ 0.58% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Legacy Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
48 Month Certificate & IRA
$0
3.50% ▲ 0.58% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.58% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
48 Month Certificate
$0
3.41% ▲ 0.49% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.92%▲ 0.49% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$0
3.40% ▲ 0.48% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.48% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.40% ▲ 0.40 pts · high 3.40% / low 3.00%
2.50%3.20%3.90%Sep 14, 2026: 3.00% APYOct 5, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.40%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48 Month Jumbo Certificate
$250,000
3.39% ▲ 0.47% above Alabama avg
View
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.47% above avgNationally 2.80%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 4 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 48 Month Term
$0
3.35% ▲ 0.43% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.92%▲ 0.43% above avgNationally 2.80%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Certificate
$500
3.34% ▲ 0.42% above Alabama avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.42% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 6 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 13, 2026
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
48 Month Certificate
$0
3.30% ▲ 0.38% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.38% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 13, 2026
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 48 Months
$0
3.30% ▲ 0.38% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.38% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026

Sylvan Springs 60 Month CD Rates

Alabama 60 Month CD Average3.14% APYNational 2.90%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
60 Month Jumbo Share Certificates (CDs)
$0
4.95% ▲ 1.81% above Alabama avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 1.81% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.47% → 4.95% ▲ 0.48 pts · high 4.95% / low 4.47%
3.97%4.71%5.45%Sep 18, 2026: 4.47% APYOct 9, 2026: 4.95% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.95%▲ from 4.47%
  • Sep 18, 20264.47%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
60 Month IRA
$0
4.70% ▲ 1.56% above Alabama avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 1.56% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
54 - 60 Month IRA Share Certificate
$0
4.61% ▲ 1.47% above Alabama avg
View
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.13% → 4.61% ▲ 0.48 pts · high 4.61% / low 4.13%
3.63%4.37%5.11%Sep 18, 2026: 4.13% APYOct 10, 2026: 4.61% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.61%▲ from 4.13%
  • Sep 18, 20264.13%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
54 - 60 Month Share Certificate
$0
4.61% ▲ 1.47% above Alabama avg
View
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.03% → 4.61% ▲ 0.58 pts · high 4.61% / low 4.03%
3.45%4.32%5.19%Sep 18, 2026: 4.03% APYOct 10, 2026: 4.61% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.61%▲ from 4.03%
  • Sep 18, 20264.03%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
54 - 60 Month IRA Share Certificate
$0
4.50% ▲ 1.36% above Alabama avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 1.36% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.13% → 4.50% ▲ 0.37 pts · high 4.50% / low 4.13%
3.63%4.31%5.00%Sep 18, 2026: 4.13% APYOct 10, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.50%▲ from 4.13%
  • Sep 18, 20264.13%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
54 - 60 Month Share Certificate
$0
4.50% ▲ 1.36% above Alabama avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 1.36% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.03% → 4.50% ▲ 0.47 pts · high 4.50% / low 4.03%
3.53%4.27%5.00%Sep 18, 2026: 4.03% APYOct 10, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.50%▲ from 4.03%
  • Sep 18, 20264.03%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 60 Month
$0
4.36% ▲ 1.22% above Alabama avg
View
▼
Rate4.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 1.22% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 4.36% APY
3.86%4.36%4.86%Oct 10, 2026: 4.36% APYOct 10, 2026Oct 13, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Year C.D.
$1,000
4.32% ▲ 1.18% above Alabama avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.14%▲ 1.18% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 4.32% APY · checked 5 times
3.82%4.32%4.82%Sep 24, 2026: 4.32% APYSep 24, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$100,000
4.28% ▲ 1.14% above Alabama avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 1.14% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 60 Months Fixed
$100,000
4.23% ▲ 1.09% above Alabama avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 1.09% above avgNationally 2.90%
Details

Compounding: dividend rate 4.15%, APY compounding 4.23%

Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.23% ▲ 0.21 pts · high 4.23% / low 4.02%
3.52%4.13%4.73%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.13% APYOct 4, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.23%▲ from 4.13%
  • Sep 18, 20264.13%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month Certificate
$1,000
4.23% ▲ 1.09% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 4.23% APY · checked 5 times
3.73%4.23%4.73%Sep 22, 2026: 4.23% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA
$1,000
4.23% ▲ 1.09% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
60 Months Share Certificate
$500
4.20% ▲ 1.06% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 1.06% above avgNationally 2.90%
Details

60 Months*

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 60 Months Fixed
$100,000
4.15% ▲ 1.01% above Alabama avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 1.01% above avgNationally 2.90%
Details

Non-Compounding: dividend rate 4.15%, APY non-compounding 4.15%

Rate History
3 changes since Sep 14, 2026 · 4.02% → 4.15% ▲ 0.13 pts · high 4.23% / low 4.02%
3.52%4.13%4.73%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.13% APYOct 4, 2026: 4.23% APYOct 12, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.15%▼ from 4.23%
  • Oct 4, 20264.23%▲ from 4.13%
  • Sep 18, 20264.13%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
60 Month Certificate
$0
4.15% ▲ 1.01% above Alabama avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 1.01% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
2.65%3.78%4.90%Sep 14, 2026: 3.40% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month IRA Plus Certificates
$0
4.01% ▲ 0.87% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.87% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates Plus
$0
4.01% ▲ 0.87% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.87% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Bonus Certificates
$0
4.00% ▲ 0.86% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
Details

Balance: 60 Month

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Bonus IRA Certificate
$0
4.00% ▲ 0.86% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
5 year Elite Share Certificate
$10,000
4.00% ▲ 0.86% above Alabama avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
5 Year Share/IRA Certificate (CD)
$1,000
4.00% ▲ 0.86% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 60 Months Fixed
$1,000
3.91% ▲ 0.77% above Alabama avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.77% above avgNationally 2.90%
Details

Compounding: dividend rate 3.85%, APY compounding 3.91%

Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYOct 4, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 60 Months Fixed
$0
3.91% ▲ 0.77% above Alabama avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.77% above avgNationally 2.90%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.76% above Alabama avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 0.76% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.71% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
60 Month Business Certificates of Deposit
$500
3.85% ▲ 0.71% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.90%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
2.90%3.63%4.35%Sep 18, 2026: 3.40% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.85%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 60 Months
$500
3.85% ▲ 0.71% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
2.90%3.63%4.35%Sep 18, 2026: 3.40% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.85%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 60 Months Fixed
$1,000
3.85% ▲ 0.71% above Alabama avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.90%
Details

Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85%

Rate History
3 changes since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYOct 4, 2026: 3.91% APYOct 12, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.85%▼ from 3.91%
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month Certificate
$0
3.85% ▲ 0.71% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Certificate
$0
3.84% ▲ 0.70% above Alabama avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.70% above avgNationally 2.90%
Details

Balance: $2,500

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 60 Month
$0
3.84% ▲ 0.70% above Alabama avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.70% above avgNationally 2.90%
Details

Balance: $2,000

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 2 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 13, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
60 month CD
$1,000
3.82% ▲ 0.68% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 60 Months Fixed
$0
3.80% ▲ 0.66% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.66% above avgNationally 2.90%
Details

Compounding: dividend rate 3.75%, APY compounding 3.80%

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month IRA Certificate
$0
3.80% ▲ 0.66% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.66% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 5, 2026: 3.80% APYOct 5, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificate
$0
3.80% ▲ 0.66% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.66% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 5, 2026: 3.80% APYOct 5, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 60 Months Fixed
$0
3.75% ▲ 0.61% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75%

Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYOct 12, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.75%▼ from 3.80%
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
60 Month IRA Certificate
$0
3.75% ▲ 0.61% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
60 Month Certificate
$1,000
3.75% ▲ 0.61% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
60 Month IRA Share Certificate
$1,000
3.75% ▲ 0.61% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.48% → 3.75% ▲ 1.27 pts · high 3.75% / low 2.48%
1.21%3.11%5.02%Sep 14, 2026: 2.48% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 2.48%
  • Sep 14, 20262.48%first recorded
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
60 Month Share Certificate
$1,000
3.75% ▲ 0.61% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Accounts - 60 month
$1,000
3.75% ▲ 0.61% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
60 Month Certificate
$500
3.70% ▲ 0.56% above Alabama avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
60 Month IRA
$500
3.70% ▲ 0.56% above Alabama avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 0.56% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60 Month Jumbo Certificate
$250,000
3.65% ▲ 0.51% above Alabama avg
View
▼
Rate3.60%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.51% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share and IRA Certificates of Deposit - 60 Months
$0
3.65% ▲ 0.51% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Alabama Average3.14%▲ 0.51% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Local Bank Red Level, AL
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
60 Month Certificate of Deposit
$0
3.60% ▲ 0.46% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.14%▲ 0.46% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Roth Executive
$100,000
3.60% ▲ 0.46% above Alabama avg
View
▼
Rate3.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.46% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Traditional Executive
$100,000
3.60% ▲ 0.46% above Alabama avg
View
▼
Rate3.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.46% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60 Month IRA Certificate
$500
3.55% ▲ 0.41% above Alabama avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.41% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60 Month Roth IRA Certificate
$500
3.55% ▲ 0.41% above Alabama avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.41% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
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 Sylvan Springs, Alabama Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
United Bank (AL)
18 Month CD
A+ 5.0 ★ TX: 5.81%
Min: $0
4.35%
F&M Bank Piedmont, AL
5 Year C.D.
A+ 5.0 ★ TX: 3.75%
Min: $1,000
4.32%
Hancock Whitney Bank
24-month CD
A+ 5.0 ★ TX: 3.41%
Min: $0
4.25%
First National Bank of Pulaski
36 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.25%
Min: $10,000
4.25%
The Citizens Bank Enterprise, AL
6 Month CD Special
A+ 5.0 ★ TX: 2.99%
Min: $25,000
4.20%
CU Top 5 Credit Union Rates
Platinum Federal Credit Union
12 Month Family Legacy Certificate Account
A+ 5.0 ★ TX: 1.89%
Min: $0
5.00%
Birmingham City Credit Union
18 Month Share Certificate
A+ 5.0 ★ TX: 2.89%
Min: $0
5.00%
Hope Federal Credit Union Jackson, MS
60 Month Jumbo Share Certificates (CDs)
A 5.0 ★ TX: 7.78%
Min: $0
4.95%
Service 1 Federal Credit Union
6 Month Youth Certificates
A+ 5.0 ★ TX: 1.56%
Min: $0
4.75%
Federal Employees Credit Union
48 Month Certificate
A+ 5.0 ★ TX: 4.81%
Min: $500
4.70%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Sylvan Springs, AL CD Rate Trends

Compare local Sylvan Springs, 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
3.299%
▲ 0.048 vs 7 days ago

Alabama 12-month CD rates rose 0.048 points over the past 7 days to 3.299% APY.

6-Month CD AL Avg
3.235%
▲ 0.094 vs 7 days ago

Alabama 6-month CD rates rose 0.094 points over the past 7 days to 3.235% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

AL CD Rate Forecast, Next 12 Months

Where are Alabama CD rates headed through October 2027?

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

AL 12-Month Avg APY
3.299%
6-Month Forecast
3.299%
Range: 3.10%, 3.45%
12-Month Forecast
3.549%
Range: 3.35%, 3.70%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch 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 1.08% 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% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

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

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What Your Savings Earn at AL CD Rates Today

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

CD Term AL Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.138% $106.88 $213.75 $534.38 $1,068.75
6-Month CD 3.235% $161.75 $323.50 $808.75 $1,617.50
12-Month CD 3.299% $164.94 $329.87 $824.68 $1,649.35
18-Month CD 3.209% $160.46 $320.92 $802.30 $1,604.60
24-Month CD 3.193% $159.67 $319.34 $798.35 $1,596.70
36-Month CD 3.049% $152.43 $304.86 $762.15 $1,524.30
48-Month CD 2.918% $145.90 $291.80 $729.50 $1,459.00
60-Month CD 3.141% $157.04 $314.07 $785.18 $1,570.35
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for Sylvan Springs, 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 2.138% $106.88
2 6-Month CD $5,000 3.235% $161.75
3 12-Month CD $5,000 3.299% $164.94
4 24-Month CD $5,000 3.193% $159.67
5 36-Month CD $5,000 3.049% $152.43
Total ($25,000 invested) $25,000 2.983% blended $745.67/yr

Ladder example uses equal $5,000 rungs and Alabama average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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908
CD Rates
Tracked in Sylvan Springs, Alabama
20 Banks 75 Credit Unions

About Our Sylvan Springs, Alabama CD Rate Database

MonitorBankRates tracks 908 CD rates from 20 banks and 75 credit unions with locations in Sylvan Springs, Alabama, plus national online institutions available to Alabama residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Platinum Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sylvan Springs, Alabama.

How to Find the Best CD Rates in Sylvan Springs, Alabama

What to compare when shopping for a CD in Sylvan Springs, Alabama

To find the best APYs in Sylvan Springs, Alabama, start with credit unions and online-only banks: Sylvan Springs, Alabama has 75 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Sylvan Springs, 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 Sylvan Springs, Alabama: 95 institutions here report CD rates

Consider an Alternative If…

Sylvan Springs, Alabama Financial Snapshot

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

Population 65+
20.4%
National avg: 17.3%
Median Individual Earnings
$47,981
National avg: $47,340
Poverty Rate
10.7%
National avg: 11.1%
Unemployment Rate
3.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$158/yr
At AL 12-mo avg 3.299% APY

20.4% 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; a low unemployment rate of 3.5% reflects a strong local economy. At today’s AL 12-month CD average of 3.299%, saving 10% of the local median salary ($4,798/year) and putting it in a CD would earn an additional $158 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 Sylvan Springs, Alabama

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

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

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

Choosing a CD Term in Sylvan Springs, 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 Sylvan Springs, Alabama savers easier access to their funds. For example, Service 1 Federal Credit Union is offering its 6 Month Youth Certificates at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its 60 Month Jumbo Share Certificates (CDs) at 4.95% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Sylvan Springs, 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 Sylvan Springs, 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 Sylvan Springs, 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 Sylvan Springs, 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 Sylvan Springs, Alabama

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

Are CD rates in Sylvan Springs, Alabama FDIC insured?

Yes, most established banks in Sylvan Springs, 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 Sylvan Springs, 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 Sylvan Springs, 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 Sylvan Springs, 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 Sylvan Springs, Alabama?

Here are recent top rates found for this area:
  • Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
  • Birmingham City Credit Union: 5.00% APY (18 Month Share Certificate)
  • Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Jumbo Share Certificates (CDs))
  • Service 1 Federal Credit Union: 4.75% APY (6 Month Youth Certificates)
  • Federal Employees Credit Union: 4.70% APY (48 Month Certificate)
  • Auburn University Credit Union: 4.61% APY (54 - 60 Month IRA Share Certificate)
  • Alabama One Credit Union: 4.36% APY (Certificate IRA (Traditional & Roth) - 6 Month)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • United Bank (AL): 4.35% APY (18 Month CD)
  • F&M Bank Piedmont, AL: 4.32% APY (5 Year C.D.)
Rates reflect recent verified offers available in Sylvan Springs, Alabama. Last Updated: October 12, 2026

Sylvan Springs, 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 Sylvan Springs, Alabama rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Sylvan Springs, Alabama CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Sylvan Springs, Alabama. Averages shown use the Alabama state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Sylvan Springs, Alabama

Sylvan Springs, Alabama CD Calculator

At today’s AL top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Sylvan Springs, Alabama CD Ladder

AL CD rates currently range from 2.138% (3-month) to 3.049% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Sylvan Springs, Alabama CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Alabama’s average 12-month CD is 3.299% 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 Sylvan Springs, 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 Sylvan Springs, 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 Sylvan Springs, Alabama. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in AL.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 12, 2026

Sylvan Springs, Alabama Rates & Resources

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