Pell City, 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 Pell City, Alabama and the surrounding area include FirstBank (TN)FirstBank (TN)2408 Cogswell Ave, Pell City, AL 35125A5.0 ★Texas Ratio: 6.39% FirstUp Savings at 3.82% APY, PNC BankPNC Bank308 Martin Street, Pell City, AL 35125A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, AOD Federal Credit UnionAOD Federal Credit Union275 Vaughn Spur, Pell City, AL 35128 8000A+5.0 ★Texas Ratio: 1.42% Christmas Club Savings at 0.50% APY, ValleyDirectValleyDirect1930 Martin St S, Pell City, AL 35128A+5.0 ★Texas Ratio: 3.76% Kids First Savings at 0.25% APY, and Winsouth Credit UnionWinsouth Credit Union2950 Cogswell AVe, Pell City, AL 35125A+5.0 ★Texas Ratio: 2.57% Super Savings at 0.25% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Pell City, 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 Pell City, Alabama (AL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Pell City, Alabama and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Pell City, Alabama & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
2408 Cogswell Ave, Pell City, AL 35125
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
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
308 Martin Street, Pell City, AL 35125
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
275 Vaughn Spur, Pell City, AL 35128 8000
Christmas Club Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1930 Martin St S, Pell City, AL 35128
Kids First Savings
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 22, 2026
Details
No minimum balance; Available for minors under 18
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
275 Vaughn Spur, Pell City, AL 35128 8000
Primary Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
2950 Cogswell AVe, Pell City, AL 35125
Super Savings
0.25%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
15 20th St N, Pell City, AL 35125
Regular Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
2239 Martin St S, Pell City, AL 35128 2390
IRA Share Accounts
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
275 Vaughn Spur, Pell City, AL 35128 8000
Secondary Share Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
275 Vaughn Spur, Pell City, AL 35128 8000
Christmas Club Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
2239 Martin St S, Pell City, AL 35128 2390
IRA Share Accounts
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
275 Vaughn Spur, Pell City, AL 35128 8000
Kid's Club Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1930 Martin St S, Pell City, AL 35128
Tiered Money Market Savings
0.10%
$2,000
▼
Rate0.00%
Min Deposit$2,000
Min Balance—
UpdatedMar 22, 2026
Details
No maintenance charge for average daily balances of $10,000 or more
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
2950 Cogswell AVe, Pell City, AL 35125
Whatever Savings
0.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
2950 Cogswell AVe, Pell City, AL 35125
Share Savings
0.10%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
2239 Martin St S, Pell City, AL 35128 2390
IRA Share Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2708 Stemley Bridge Rd, Pell City, AL 35128 7560
Regular Share (Savings)
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
2408 Cogswell Ave, Pell City, AL 35125
UTMA-Minor Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 26, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1930 Martin St S, Pell City, AL 35128
Money Market Savings
0.05%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 22, 2026
Details
Great for balances over $10k; No maintenance charge for average daily balances of $10,000 or more
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
2408 Cogswell Ave, Pell City, AL 35125
Basic Savings
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
2239 Martin St S, Pell City, AL 35128 2390
IRA Share Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
308 Martin Street, Pell City, AL 35125
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
308 Martin Street, Pell City, AL 35125
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1930 Martin St S, Pell City, AL 35128
All Access Savings
0.01%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 22, 2026
Details
Comes with a card for ATM withdrawals; No maintenance charge for average daily balances of $300 or more
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
Centsible Savings2
7.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1000.00
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
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Round-Up Savings
5.10%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL 35205 4914
Incentive Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $1,000.00
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Brighter Day Savings Account
4.06%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL 35216
High Yield Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL 35216
High-Yield Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL 35216
Youth Savings
4.00%
$0
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
High Rate Savings
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$10,000 required average daily balance
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
High-Yield Savings
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $10,000.00; Ultimate Checking account required
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
High Yield Savings
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL 36609 1530
Savings
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $10,000.00
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL 35216
College Savings Plan
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
50 N Royal St, Mobile, AL 36602
Freestyle Savings Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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 27, 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 27, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
Coverdell Education Share
2.12%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
Health Savings Account
2.12%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL 35603
IRA Share
2.12%
$25
▼
Rate2.10%
Min Deposit$25
Min Balance—
UpdatedMar 28, 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
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL 36609 5195
Super Savings
1.81%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Round-Up Savings
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Local Bank Red Level, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
205 Mcfarland Cir N, Tuscaloosa, AL 35406
Savings Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
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.
Pell City, AL Savings Rate Trends
Compare local Pell City, 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%
▼ 0.714 from last week
Alabama high-yield savings rates fell 0.714 points this week to 1.084% APY, down from 1.799% last week.
Standard Savings — AL Avg
0.719%
▲ 0.307 from last week
Alabama standard savings rates rose 0.307 points this week to 0.719% APY, up from 0.412% last week.
As of Mar 28, 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 Pell City, 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 Pell City, 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 Pell City, 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 Pell City, 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 Pell City, 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 Pell City, 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 Pell City, Alabama?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Pell City, Alabama offer in-person customer service, which some customers prefer.
How do I open a savings account in Pell City, 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 Pell City, Alabama
Here are recent savings rates observed in Pell City, Alabama and the surrounding area:
- FirstBank (TN)
FirstUp Savings — 3.82% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - AOD Federal Credit Union
Christmas Club Savings — 0.50% APY - ValleyDirect
Kids First Savings — 0.25% APY - Winsouth Credit Union
Super Savings — 0.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Pell City, Alabama. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
