Madison, Alabama (AL) Savings Rates - March 2026
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The savings 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.
The best savings rates for Madison, Alabama and the surrounding area include Avadian Credit UnionAvadian Credit Union8566 Madison Blvd, Madison, AL 35758A+5.0 ★Texas Ratio: 3.11% Centsible Savings2 at 7.00% APY, Redstone Federal Credit UnionRedstone Federal Credit Union4005 Lawson Ridge Dr, Madison, AL 35757A+5.0 ★Texas Ratio: 3.00% Brighter Day Savings Account at 4.06% APY, PNC BankPNC Bank7930 Highway 72 W, Madison, AL 35758A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Family Security Credit UnionFamily Security Credit Union8230 Madison Blvd, Madison, AL 35758 2002A+5.0 ★Texas Ratio: 1.42% Share Savings Account at 2.12% APY, and North Alabama Educators Credit UnionNorth Alabama Educators Credit Union7559 Highway 72 W Ste 114, Madison, AL 35758 8816A+5.0 ★Texas Ratio: 2.73% Super Shares Account at 1.66% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Madison, Alabama, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Madison, Alabama (AL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Madison, Alabama and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Madison, Alabama & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
Centsible Savings2
7.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1000.00
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Brighter Day Savings Account
4.06%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $2,500.00
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
High Yield Savings
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7930 Highway 72 W, Madison, AL 35758
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
8230 Madison Blvd, Madison, AL 35758 2002
Share Savings Account
2.12%
$25
▼
Rate2.10%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
8230 Madison Blvd, Madison, AL 35758 2002
Share Account
2.12%
$25
▼
Rate2.10%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
Super Shares Account
1.66%
$0
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
Super Shares Account
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
Super Shares Account
1.46%
$0
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
Super Shares Account
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
Super Shares Account
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
IRA Savings and Education (Coverdell) Savings
1.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
IRA Savings and Education (Coverdell) Savings
0.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
IRA Savings and Education (Coverdell) Savings
0.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
53 Hughes Rd, Madison, AL 35758
TotalView Money Market Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
IRA Savings and Education (Coverdell) Savings
0.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
53 Hughes Rd, Madison, AL 35758
TotalView Money Market Savings
0.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
53 Hughes Rd, Madison, AL 35758
TotalView Money Market Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
IRA Share Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
8230 Madison Blvd, Madison, AL 35758 2002
Share Savings Account
0.40%
$25
▼
Rate0.40%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
Business Savings Accounts
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL 35756 4453
IRA Savings Account (Traditional, Roth and Coverdell)
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
Savings Accounts
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Regular Share Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
"You Name It" Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Christmas Club Share Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Traditional and Roth Savings IRA N/A
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
Share Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Endeavor Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL 35756
SHARE SAVINGS
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL 35756
SPECIAL SAVINGS
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
Business Savings Accounts
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Traditional and Roth Savings IRA
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
Health Savings Account
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
53 Hughes Rd, Madison, AL 35758
Traditional Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
53 Hughes Rd, Madison, AL 35758
Money Market Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
53 Hughes Rd, Madison, AL 35758
Money Market Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7930 Highway 72 W, Madison, AL 35758
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7930 Highway 72 W, Madison, AL 35758
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
First US Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
131 Main St, Grove Hill, AL 36451
NextGEN Savings
5.12%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $500.00
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
548 Main St, Roanoke, AL 36274
FirstUp Savings
3.82%
$50
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
Qualifications Required: recurring monthly transfer totaling $50.00 or more from the FirstBank personal checking or FirstBank personal money market; Qualifying balance up to $25,000.00
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
50 N Royal St, Mobile, AL 36602
Freestyle Savings Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
50 N Royal St, Mobile, AL 36602
Freestyle Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
50 N Royal St, Mobile, AL 36602
Freestyle Savings Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1605 Eastern Blvd, Montgomery, AL 36117
Kids Savings
2.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Complimentary Kids Savings stackable money bank and passbook at new account opening
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Madison, AL Savings Rate Trends
Compare local Madison, AL savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — AL Avg
1.084%
▼ 0.398 from last week
Alabama high-yield savings rates fell 0.398 points this week to 1.084% APY, down from 1.482% last week.
Standard Savings — AL Avg
0.528%
▲ 0.193 from last week
Alabama standard savings rates rose 0.193 points this week to 0.528% APY, up from 0.335% last week.
As of Mar 26, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Madison, Alabama directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Madison, Alabama. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in AL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Madison, Alabama
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Alabama, help your money grow faster through a higher APY.
Are savings accounts in Madison, Alabama safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Alabama up to $250,000 per depositor, per institution.
How often do savings rates change in Madison, Alabama?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Alabama rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Madison, Alabama may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Madison, Alabama?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Madison, Alabama offer in-person customer service, which some customers prefer.
How do I open a savings account in Madison, Alabama?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Madison, Alabama
Here are recent savings rates observed in Madison, Alabama and the surrounding area:
- Avadian Credit Union
Centsible Savings2 — 7.00% APY - Redstone Federal Credit Union
Brighter Day Savings Account — 4.06% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Family Security Credit Union
Share Savings Account — 2.12% APY - North Alabama Educators Credit Union
Super Shares Account — 1.66% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Madison, Alabama. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026
