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CD Rate Trends

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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  • Location-Based Rate Tables
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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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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 13, 2026

Alabama CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Alabama CD rates include Platinum Federal Credit UnionPlatinum Federal Credit Union2020 Patton Chapel Rd, Hoover, AL 35216A+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 Union2725 35th Ave N, Birmingham, AL 35207 2839A+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, MS400 Arba St, Montgomery, AL 36104 5106A5.0 ★Texas Ratio: 7.78%Real return: +2.15%APY minus CPI (February 2026) offering 60 Month Share Certificates (CDs) - Jumbo at 4.95% APY, Service 1 Federal Credit UnionService 1 Federal Credit Union2051 S Broad St, Mobile, AL 36615 1286A+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 Union1509 4th Ave S, Birmingham, AL 35233 1612A+5.0 ★Texas Ratio: 4.81%Real return: +1.90%APY minus CPI (February 2026) offering 60 Month IRA at 4.70% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Alabama side-by-side. Alabama CD rates currently reach as high as 5.00% APY from Platinum Federal Credit Union at 2020 Patton Chapel Rd, Hoover, AL 35216. 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 13, 2026

Compare Best CD Rates in Alabama

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Alabama 3 Month CD Rates

MonitorBankRates Alabama Average · 3 Month CD2.14% APY▼ 0.04% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Alabama is 2.14% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
1290 S Donahue Dr, Auburn, AL 36832 6330
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%
1290 S Donahue Dr, Auburn, AL 36832 6330
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
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
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%
238 Virginia Ave, Daleville, AL 36322
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%
238 Virginia Ave, Daleville, AL 36322
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%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
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%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
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%
4643 Highway 280, Alexander City, AL 35010
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%
4113 Eva Rd, Eva, AL 35621
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%
2040 Valleydale Rd, Hoover, AL 35244 2006
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%
1810 Merchants Dr, Hoover, AL 35244 1005
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%
2340 Woodcrest Pl, Birmingham, AL 35209
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%
1000 Interstate Park Dr, Montgomery, AL 36109
Share Certificates - 3 Month
$0
2.52% ▲ 0.38% above Alabama avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.14%▲ 0.38% above avgNationally 2.09%
Details

Interest Compound Period: Quarterly

Rate History
2 changes since Sep 14, 2026 · 2.52% → 2.52% ▼ 0.00 pts · high 2.52% / low 2.52%
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 18, 2026: 2.52% APYSep 22, 2026: 2.52% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20262.52%▼ from 2.52%
  • Sep 18, 20262.52%▼ from 2.52%
  • Sep 14, 20262.52%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
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 13, 2026
Alabama Average2.14%▲ 0.33% above avgNationally 2.09%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
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%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
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 13, 2026
Alabama Average2.14%▲ 0.33% above avgNationally 2.09%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
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%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
3 Month Share Certificates
$0
2.27% ▲ 0.13% above Alabama avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.14%▲ 0.13% above avgNationally 2.09%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
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%
1600 Montclair Rd, Birmingham, AL 35210
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%
923 Cleveland Ave, Attalla, AL 35954
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%
716 Richard Arrington Jr Blvd N, Birmingham, AL 35203
3 Month Prosperity Certificate of Deposit
$5,000
2.00% ▼ 0.14% below Alabama avg
View
▼
Rate1.98%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.14%▼ 0.14% below avgNationally 2.09%
Details

Dividend Payment Frequency: Monthly; Dividends cap at $999,999.99

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
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%
2725 35th Ave N, Birmingham, AL 35207 2839
3 Month Share Certificate
$500
1.00% ▼ 1.14% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.14%▼ 1.14% below avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 9, 2026: 1.00% APYOct 9, 2026Oct 13, 2026
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1400 6TH Ave S, Birmingham, AL 35233
Certificate of Deposit - 3 Months
$0
0.75% ▼ 1.39% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.14%▼ 1.39% below avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 0.75% APY · checked 2 times
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%
200 E Nashville Ave, Atmore, AL 36502
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
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
105 Frankfurt Cir, Birmingham, AL 35211 6978
Certificate of Deposit - 3 month
$1,000
0.51% ▼ 1.63% below Alabama avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.14%▼ 1.63% below avgNationally 2.09%
Details

Certificates of Deposit and IRAs; Rates as of February 23, 2026

Rate History
No change since Oct 13, 2026 · 0.51% APY
0.01%0.51%1.01%Oct 13, 2026: 0.51% APYOct 13, 2026Oct 13, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
112 E Ladiga St, Piedmont, AL 36272
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%
304 W Montgomery Rd, Tuskegee, AL 36083 1520
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%
2309 Cobbs Ford Rd, Prattville, AL 36066
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%
2309 Cobbs Ford Rd, Prattville, AL 36066
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%
3722 US Highway 431 N, Phenix City, AL 36867
Standard Certificate - 3 Month
$0
0.15% ▼ 1.99% below Alabama avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.14%▼ 1.99% below avgNationally 2.09%
Details

Monthly & Quarterly Certificates; Additional deposits allowed; Prime Club members receive 0.15% bonus dividend rate

Rate History
No change since Oct 13, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 13, 2026: 0.15% APYOct 13, 2026Oct 13, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
201 South Commerce Street, Geneva, AL 36340
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%
622 Azalea Rd, Mobile, AL 36609 1530
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%
1901 6th Ave N, Birmingham, AL 35203
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%
1901 6th Ave N, Birmingham, AL 35203
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%
1901 6th Ave N, Birmingham, AL 35203
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%
409 Battle St E, Talladega, AL 35160
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%
1700 3rd Ave N, Birmingham, AL 35203
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%
1700 3rd Ave N, Birmingham, AL 35203
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%
409 Battle St E, Talladega, AL 35160
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%
409 Battle St E, Talladega, AL 35160
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

Alabama 6 Month CD Rates

MonitorBankRates Alabama Average · 6 Month CD3.24% APY▲ 0.09% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Alabama is 3.24% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
2051 S Broad St, Mobile, AL 36615 1286
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%
2051 S Broad St, Mobile, AL 36615 1286
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%
1290 S Donahue Dr, Auburn, AL 36832 6330
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%
1290 S Donahue Dr, Auburn, AL 36832 6330
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%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
301 S Edwards St, Enterprise, AL 36330
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%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
238 Virginia Ave, Daleville, AL 36322
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
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
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%
238 Virginia Ave, Daleville, AL 36322
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%
4113 Eva Rd, Eva, AL 35621
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
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
6 Month Share Certificate
$500
4.02% ▲ 0.78% above Alabama avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.24%▲ 0.78% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.02% ▲ 0.46 pts · high 4.02% / low 3.56%
3.06%3.79%4.52%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
200 E Nashville Ave, Atmore, AL 36502
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%
200 E Nashville Ave, Atmore, AL 36502
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%
2051 S Broad St, Mobile, AL 36615 1286
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%
2051 S Broad St, Mobile, AL 36615 1286
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%
622 Azalea Rd, Mobile, AL 36609 1530
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%
1509 4th Ave S, Birmingham, AL 35233 1612
Certificates of Deposit Regular - 6 Months
$0
4.00% ▲ 0.77% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1400 6TH Ave S, Birmingham, AL 35233
Certificate of Deposit - 6 Months
$0
4.00% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.24%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
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%
3003 2nd St, Rainbow City, AL 35906 5979
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%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
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%
220 Wynn Dr, Huntsville, AL 35893
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%
220 Wynn Dr, Huntsville, AL 35893
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%
351 24th St N, Birmingham, AL 35203 3836
Share Certificates (CD's) - 6 Months
$1
3.90% ▲ 0.67% above Alabama avg
View
▼
RateN/A
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.24%▲ 0.67% above avgNationally 2.78%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 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%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates - 6 Month
$10,000
3.85% ▲ 0.62% above Alabama avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.24%▲ 0.62% above avgNationally 2.78%
Details

Available only to members of at least fifteen (15) years of membership

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Red Oak Credit Union
Institution Rating:
B3.8 ★Texas Ratio: 4.34%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
6 Month Regular & IRA Certificates
$0
3.85% ▲ 0.62% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.24%▲ 0.62% above avgNationally 2.78%
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
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
702 Walnut St, Gadsden, AL 35901
Term Share Certificate - 6 Month
$1,000
3.82% ▲ 0.59% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.24%▲ 0.59% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 13, 2026
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
1501 31st Ave N, Birmingham, AL 35207
6 Month Certificate
$0
3.81% ▲ 0.58% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.24%▲ 0.58% above avgNationally 2.78%
Details

A penalty may apply for early withdrawal of funds

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 9 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%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
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%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
205 Mcfarland Cir N, Tuscaloosa, AL 35406
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%
750 Morphy Ave, Fairhope, AL 36532
Certificate - 6 Months
$500
3.80% ▲ 0.57% above Alabama avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.24%▲ 0.57% above avgNationally 2.78%
Details

Dividends compounded and paid quarterly; penalty for early withdrawal

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
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
2520 6th St, Tuscaloosa, AL 35401 1702
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%
2520 6th St, Tuscaloosa, AL 35401 1702
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%
2 1st St Ne, Lafayette, AL 36862
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%
2051 S Broad St, Mobile, AL 36615 1286
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%
2051 S Broad St, Mobile, AL 36615 1286
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%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
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%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
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%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Jumbo Share Certificates - 6 Month
$100,000
3.70% ▲ 0.47% above Alabama avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.24%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 5, 2026: 3.70% APYOct 5, 2026Oct 13, 2026
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
5662 Cottage Hill Rd, MOBILE, AL 36609
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%
80 Bank St, Stevenson, AL 35772
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%
80 Bank St, Stevenson, AL 35772
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%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates - 6 Month
$0
3.66% ▲ 0.43% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.24%▲ 0.43% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 14, 2026: 3.60% APYOct 13, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
674 N Oates St, Dothan, AL 36303 4530
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%
220 Wynn Dr, Huntsville, AL 35893
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%
2020 Patton Chapel Rd, Hoover, AL 35216
6 Month 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 13, 2026
Alabama Average3.24%▲ 0.42% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 29, 2026: 3.65% APYSep 29, 2026Oct 13, 2026

Alabama 12 Month CD Rates

MonitorBankRates Alabama Average · 12 Month CD3.30% APY▲ 0.05% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Alabama is 3.30% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
2020 Patton Chapel Rd, Hoover, AL 35216
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 13, 2026
Alabama Average3.30%▲ 1.70% above avgNationally 2.99%
Details

Eligibility: must be opened within two years of the date of death; eligibility subject to verification; 12-month fixed term from account opening; one renewal at rate in effect at maturity, rate not guaranteed to match original

Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
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%
400 Arba St, Montgomery, AL 36104 5106
12 Month Share Certificates (CDs) - Jumbo
$1,000
4.53% ▲ 1.23% above Alabama avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 1.23% above avgNationally 2.99%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.53% APY
4.03%4.53%5.03%Oct 13, 2026: 4.53% APYOct 13, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2051 S Broad St, Mobile, AL 36615 1286
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%
2051 S Broad St, Mobile, AL 36615 1286
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%
621 Boll Weevil Cir, Enterprise, AL 36330
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%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
238 Virginia Ave, Daleville, AL 36322
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%
1509 4th Ave S, Birmingham, AL 35233 1612
12 Month IRA
$0
4.20% ▲ 0.90% above Alabama avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.90% above avgNationally 2.99%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
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%
1509 4th Ave S, Birmingham, AL 35233 1612
Certificates of Deposit Regular - 12 Months
$0
4.20% ▲ 0.90% above Alabama avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.90% above avgNationally 2.99%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
12 Month Share Certificate
$500
4.18% ▲ 0.88% above Alabama avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
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%
238 Virginia Ave, Daleville, AL 36322
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%
200 E 6TH ST, TUSCUMBIA, AL 35674
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
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
103 Mangum St, Florence, AL 35630 1559
12 Month Certificates of Deposit
$0
4.16% ▲ 0.86% above Alabama avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.86% above avgNationally 2.99%
Details

Balance: $500.00 Minimum; Rates effective as of March 12, 2025

Rate History
No change since Oct 13, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 13, 2026: 4.16% APYOct 13, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
4790 2nd St, Muscle Shoals, AL 35661 1285
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 13, 2026
Alabama Average3.30%▲ 0.86% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.16% / low 3.80%
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%
220 Wynn Dr, Huntsville, AL 35893
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%
205 Mcfarland Cir N, Tuscaloosa, AL 35406
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%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
3003 2nd St, Rainbow City, AL 35906 5979
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%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
1808 2nd Ave S, Irondale, AL 35210 1512
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%
750 Morphy Ave, Fairhope, AL 36532
Certificate - 12 Months
$500
4.06% ▲ 0.76% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.76% above avgNationally 2.99%
Details

Dividends compounded and paid quarterly; penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
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%
4790 2nd St, Muscle Shoals, AL 35661 1285
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 13, 2026
Alabama Average3.30%▲ 0.76% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
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%
4790 2nd St, Muscle Shoals, AL 35661 1285
12 Month Standard Certificate
$500
4.06% ▲ 0.76% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.76% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
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%
220 Wynn Dr, Huntsville, AL 35893
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%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates - 12 Month
$0
4.02% ▲ 0.72% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.72% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates - 12 Month
$0
4.02% ▲ 0.72% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.72% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
621 Boll Weevil Cir, Enterprise, AL 36330
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%
4113 Eva Rd, Eva, AL 35621
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
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2302 JACK WARNER PKWY, TUSCALOOSA, AL 35401 1034
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%
4790 2nd St, Muscle Shoals, AL 35661 1285
12 Month IRA Certificate
$500
4.00% ▲ 0.70% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.70% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
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%
351 24th St N, Birmingham, AL 35203 3836
Share Certificates (CD's) - 12 Months
$1
4.00% ▲ 0.70% above Alabama avg
View
▼
RateN/A
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.70% above avgNationally 2.99%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 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%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
3601 4th Ave S, Birmingham, AL 35222
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%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
12 Month IRA Certificates
$0
3.86% ▲ 0.56% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.56% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.86% APY · checked 3 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%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Certificates - 12 Month
$0
3.86% ▲ 0.56% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.56% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.86% ▲ 0.07 pts · high 3.86% / low 3.79%
3.29%3.82%4.36%Sep 14, 2026: 3.79% APYSep 25, 2026: 3.81% APYOct 5, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Certificates - YOUth Boost 12-Month
$0
3.86% ▲ 0.56% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.30%▲ 0.56% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 13, 2026: 3.86% APYOct 13, 2026Oct 13, 2026
Gulf Coast Federal Credit Union
Institution Rating:
C+3.8 ★Texas Ratio: 17.15%
1001 Spring Hill Ave, Mobile, AL 36604 2713
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%
674 N Oates St, Dothan, AL 36303 4530
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%
112 E Ladiga St, Piedmont, AL 36272
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%
220 Wynn Dr, Huntsville, AL 35893
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%
220 Wynn Dr, Huntsville, AL 35893
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%
1705 E 17th St, Sheffield, AL 35660 2517
12 Month Certificate
$0
3.80% ▲ 0.50% above Alabama avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 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%
3601 4th Ave S, Birmingham, AL 35222
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%
622 Azalea Rd, Mobile, AL 36609 1530
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%
622 Azalea Rd, Mobile, AL 36609 1530
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
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
622 Azalea Rd, Mobile, AL 36609 1530
12 Month Jumbo 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

Early Withdrawal Penalty: 3 Months Dividend

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026

Alabama 18 Month CD Rates

MonitorBankRates Alabama Average · 18 Month CD3.21% APY▼ 0.02% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Alabama is 3.21% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
2725 35th Ave N, Birmingham, AL 35207 2839
18 Month Share Certificate
$500
5.00% ▲ 1.79% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 1.79% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 9, 2026: 5.00% APYOct 9, 2026Oct 13, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
18 Month Share Certificate
$500
4.49% ▲ 1.28% above Alabama avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 1.28% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.49% ▲ 0.93 pts · high 4.49% / low 3.56%
2.63%4.03%5.42%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.49%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
200 E Nashville Ave, Atmore, AL 36502
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%
200 E Nashville Ave, Atmore, AL 36502
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%
1509 4th Ave S, Birmingham, AL 35233 1612
Certificates of Deposit Regular - 18 Months
$0
4.30% ▲ 1.09% above Alabama avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 1.09% above avgNationally 2.87%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
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%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
238 Virginia Ave, Daleville, AL 36322
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%
238 Virginia Ave, Daleville, AL 36322
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%
1705 E 17th St, Sheffield, AL 35660 2517
18 Month Certificate
$0
4.10% ▲ 0.89% above Alabama avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 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%
4113 Eva Rd, Eva, AL 35621
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%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
112 E Ladiga St, Piedmont, AL 36272
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%
750 17th St N, Birmingham, AL 35203
18 Month Certificate of Deposit
$500
3.95% ▲ 0.74% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 0.74% above avgNationally 2.87%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
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%
220 Wynn Dr, Huntsville, AL 35893
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%
220 Wynn Dr, Huntsville, AL 35893
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
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
103 Mangum St, Florence, AL 35630 1559
18 Month Certificates of Deposit
$0
3.80% ▲ 0.59% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 0.59% above avgNationally 2.87%
Details

Balance: $500.00 Minimum; Rates effective as of March 12, 2025

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1000 Interstate Park Dr, Montgomery, AL 36109
Share Certificates - 18 Month
$0
3.80% ▲ 0.59% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 0.59% above avgNationally 2.87%
Details

Interest Compound Period: Quarterly

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 3.80% / low 3.80%
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 18, 2026: 3.80% APYSep 22, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.80%▼ from 3.80%
  • Sep 18, 20263.80%▼ from 3.80%
  • Sep 14, 20263.80%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
351 24th St N, Birmingham, AL 35203 3836
Share Certificates (CD's) - 18 Months
$1
3.80% ▲ 0.59% above Alabama avg
View
▼
RateN/A
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 0.59% above avgNationally 2.87%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 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%
43243 Us Highway 72, Stevenson, AL 35772
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%
5662 Cottage Hill Rd, MOBILE, AL 36609
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%
621 Boll Weevil Cir, Enterprise, AL 36330
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%
2520 6th St, Tuscaloosa, AL 35401 1702
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%
2520 6th St, Tuscaloosa, AL 35401 1702
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%
220 Wynn Dr, Huntsville, AL 35893
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%
220 Wynn Dr, Huntsville, AL 35893
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
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
220 Wynn Dr, Huntsville, AL 35893
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%
4790 2nd St, Muscle Shoals, AL 35661 1285
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 13, 2026
Alabama Average3.21%▲ 0.34% above avgNationally 2.87%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
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%
16601 County Road 150, Courtland, AL 35618
CD Special 18 Month
$0
3.55% ▲ 0.34% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 0.34% above avgNationally 2.87%
Details

Share Certificate; dividends credited quarterly; substantial penalty for early withdrawal; no deposits after opening until maturity

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
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%
6150 Omni Park Dr, Mobile, AL 36609 5195
18 Month Term Share Certificate
$50,000
3.51% ▲ 0.30% above Alabama avg
View
▼
Rate3.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 0.30% above avgNationally 2.87%
Details

Minimum $50,000.00

Rate History
2 changes since Sep 18, 2026 · 3.51% → 3.51% ▼ 0.00 pts · high 3.51% / low 3.46%
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%
2051 S Broad St, Mobile, AL 36615 1286
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%
2051 S Broad St, Mobile, AL 36615 1286
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%
1400 20th St S, Birmingham, AL 35205 4914
18 Month Certificate & IRA
$0
3.50% ▲ 0.29% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 0.29% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 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%
2340 Woodcrest Pl, Birmingham, AL 35209
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%
6150 Omni Park Dr, Mobile, AL 36609 5195
18 Month Term Share Certificate
$1,000
3.46% ▲ 0.25% above Alabama avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 0.25% above avgNationally 2.87%
Details

Minimum $1,000.00; Rates effective as of 10/01/2026

Rate History
3 changes since Sep 18, 2026 · 3.51% → 3.46% ▼ 0.05 pts · high 3.51% / low 3.46%
2.96%3.49%4.01%Sep 18, 2026: 3.51% APYOct 5, 2026: 3.46% APYOct 9, 2026: 3.51% APYOct 13, 2026: 3.46% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.46%▼ from 3.51%
  • Oct 9, 20263.51%▲ from 3.46%
  • Oct 5, 20263.46%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
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 13, 2026
Alabama Average3.21%▲ 0.23% above avgNationally 2.87%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 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%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
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 13, 2026
Alabama Average3.21%▲ 0.23% above avgNationally 2.87%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 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%
4790 2nd St, Muscle Shoals, AL 35661 1285
18 Month IRA Certificate
$500
3.44% ▲ 0.23% above Alabama avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 0.23% above avgNationally 2.87%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 5 times
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%
4790 2nd St, Muscle Shoals, AL 35661 1285
18 Month Standard Certificate
$500
3.44% ▲ 0.23% above Alabama avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 0.23% above avgNationally 2.87%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
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%
201 S Main St, Atmore, AL 36502 2447
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%
201 S Main St, Atmore, AL 36502 2447
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%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
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%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
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%
3003 2nd St, Rainbow City, AL 35906 5979
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%
425 Cox Blvd, Sheffield, AL 35660
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%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
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%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
18 Month Regular & IRA Certificates
$0
3.29% ▲ 0.08% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.21%▲ 0.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1808 2nd Ave S, Irondale, AL 35210 1512
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

Alabama 24 Month CD Rates

MonitorBankRates Alabama Average · 24 Month CD3.19% APY▲ 0.06% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Alabama is 3.19% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
400 Arba St, Montgomery, AL 36104 5106
24 Month Share Certificates (CDs) - Jumbo
$1,000
4.82% ▲ 1.63% above Alabama avg
View
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 1.63% above avgNationally 2.88%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.82% APY
4.32%4.82%5.32%Oct 13, 2026: 4.82% APYOct 13, 2026Oct 13, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
24 Month Share Certificate
$500
4.49% ▲ 1.30% above Alabama avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 1.30% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.49% ▲ 0.93 pts · high 4.49% / low 3.56%
2.63%4.03%5.42%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.49%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
24 Month IRA
$0
4.40% ▲ 1.21% above Alabama avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 1.21% above avgNationally 2.88%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
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%
1509 4th Ave S, Birmingham, AL 35233 1612
Certificates of Deposit Regular - 24 Months
$0
4.40% ▲ 1.21% above Alabama avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 1.21% above avgNationally 2.88%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 13, 2026
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
50 N Royal St, Mobile, AL 36602
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%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
3003 2nd St, Rainbow City, AL 35906 5979
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%
238 Virginia Ave, Daleville, AL 36322
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%
4113 Eva Rd, Eva, AL 35621
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%
238 Virginia Ave, Daleville, AL 36322
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%
238 Virginia Ave, Daleville, AL 36322
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%
112 E Ladiga St, Piedmont, AL 36272
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%
220 Wynn Dr, Huntsville, AL 35893
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%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates - 24 Month
$0
4.02% ▲ 0.83% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.83% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 0.83% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.83% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
1705 E 17th St, Sheffield, AL 35660 2517
24 Month Certificate
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 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%
2020 Patton Chapel Rd, Hoover, AL 35216
24 Month 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 13, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
2020 Patton Chapel Rd, Hoover, AL 35216
24 Month Regular and IRA Certificate of Deposit
$1,000
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
2020 Patton Chapel Rd, Hoover, AL 35216
Business Share Certificate - 24 months
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 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 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
2020 Patton Chapel Rd, Hoover, AL 35216
Regular and IRA Certificate of Deposit - 24 months
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
22 Inverness Center Pkwy, Hoover, AL 35242
24-Month Certificate
$0
3.97% ▲ 0.78% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.78% above avgNationally 2.88%
Details

Promotional banner: earn up to 3.97% APY on 24-month certificate; membership eligibility required; rates subject to change

Rate History
No change since Sep 17, 2026 · 3.97% APY · checked 7 times
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%
220 Wynn Dr, Huntsville, AL 35893
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Certificates - 24 Month
$0
3.86% ▲ 0.67% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.67% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
750 17th St N, Birmingham, AL 35203
24 Month Certificate of Deposit
$500
3.85% ▲ 0.66% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.66% above avgNationally 2.88%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
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%
4113 Eva Rd, Eva, AL 35621
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%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
24 Month IRA Certificates
$0
3.82% ▲ 0.63% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.63% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
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%
1800 Honda Dr, Lincoln, AL 35096 5105
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 13, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1800 Honda Dr, Lincoln, AL 35096 5105
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 13, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
750 Morphy Ave, Fairhope, AL 36532
Certificate - 24 Months
$500
3.80% ▲ 0.61% above Alabama avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details

Dividends compounded and paid quarterly; penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
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%
1000 Interstate Park Dr, Montgomery, AL 36109
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 13, 2026
Alabama Average3.19%▲ 0.61% above avgNationally 2.88%
Details

Interest Compound Period: Quarterly

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2051 S Broad St, Mobile, AL 36615 1286
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%
2051 S Broad St, Mobile, AL 36615 1286
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%
1000 Interstate Park Dr, Montgomery, AL 36109
Share Certificates - 2 Year
$0
3.75% ▲ 0.56% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details

Interest Compound Period: Quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
702 Walnut St, Gadsden, AL 35901
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 13, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details

Minimum balance to earn APY: Any Balance

Rate History
1 change since Sep 14, 2026 · 2.53% → 3.75% ▲ 1.22 pts · high 3.75% / low 2.53%
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
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
702 Walnut St, Gadsden, AL 35901
Term Share Certificate - 24 Month
$1,000
3.75% ▲ 0.56% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
220 Wynn Dr, Huntsville, AL 35893
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%
220 Wynn Dr, Huntsville, AL 35893
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%
1800 Honda Dr, Lincoln, AL 35096 5105
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 13, 2026
Alabama Average3.19%▲ 0.51% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1800 Honda Dr, Lincoln, AL 35096 5105
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 13, 2026
Alabama Average3.19%▲ 0.51% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2040 Valleydale Rd, Hoover, AL 35244 2006
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%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
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%
220 Wynn Dr, Huntsville, AL 35893
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%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
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%
5662 Cottage Hill Rd, MOBILE, AL 36609
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%
621 Boll Weevil Cir, Enterprise, AL 36330
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

Alabama 36 Month CD Rates

MonitorBankRates Alabama Average · 36 Month CD3.05% APY▲ 0.04% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Alabama is 3.05% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
400 Arba St, Montgomery, AL 36104 5106
36 Month Share Certificates (CDs) - Jumbo
$1,000
4.93% ▲ 1.88% above Alabama avg
View
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.88% above avgNationally 2.81%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.93% APY
4.43%4.93%5.43%Oct 13, 2026: 4.93% APYOct 13, 2026Oct 13, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
36 Month IRA
$0
4.60% ▲ 1.55% above Alabama avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.55% above avgNationally 2.81%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
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%
1509 4th Ave S, Birmingham, AL 35233 1612
Certificates of Deposit Regular - 36 Months
$0
4.60% ▲ 1.55% above Alabama avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.55% above avgNationally 2.81%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 13, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
2101 Clinton Ave W, Huntsville, AL 35805
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%
3003 2nd St, Rainbow City, AL 35906 5979
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%
112 E Ladiga St, Piedmont, AL 36272
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%
621 Boll Weevil Cir, Enterprise, AL 36330
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%
220 Wynn Dr, Huntsville, AL 35893
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%
238 Virginia Ave, Daleville, AL 36322
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%
621 Boll Weevil Cir, Enterprise, AL 36330
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
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
36 Month Share Certificate
$500
4.07% ▲ 1.02% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.02% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
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%
238 Virginia Ave, Daleville, AL 36322
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%
220 Wynn Dr, Huntsville, AL 35893
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%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates - 36 Month
$0
4.02% ▲ 0.97% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.97% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 0.97% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.97% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
2020 Patton Chapel Rd, Hoover, AL 35216
36 Month 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 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
2020 Patton Chapel Rd, Hoover, AL 35216
36 Month Regular and IRA Certificate of Deposit
$1,000
4.00% ▲ 0.95% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
2020 Patton Chapel Rd, Hoover, AL 35216
Business Share Certificate - 36 months
$0
4.00% ▲ 0.95% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
2020 Patton Chapel Rd, Hoover, AL 35216
Regular and IRA Certificate of Deposit - 36 months
$0
4.00% ▲ 0.95% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
36 Month IRA Certificates
$0
3.86% ▲ 0.81% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.81% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Certificates - 36 Month
$0
3.86% ▲ 0.81% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.81% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
702 Walnut St, Gadsden, AL 35901
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 13, 2026
Alabama Average3.05%▲ 0.80% above avgNationally 2.81%
Details

Minimum balance to earn APY: Any Balance

Rate History
1 change since Sep 14, 2026 · 2.53% → 3.85% ▲ 1.32 pts · high 3.85% / low 2.53%
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
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
702 Walnut St, Gadsden, AL 35901
Term Share Certificate - 36 Month
$1,000
3.85% ▲ 0.80% above Alabama avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
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%
220 Wynn Dr, Huntsville, AL 35893
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%
220 Wynn Dr, Huntsville, AL 35893
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%
2040 Valleydale Rd, Hoover, AL 35244 2006
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%
2040 Valleydale Rd, Hoover, AL 35244 2006
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%
220 Wynn Dr, Huntsville, AL 35893
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
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
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 13, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
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%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
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 13, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
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%
750 17th St N, Birmingham, AL 35203
36 Month Certificate of Deposit
$500
3.75% ▲ 0.70% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
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%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
220 Wynn Dr, Huntsville, AL 35893
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%
220 Wynn Dr, Huntsville, AL 35893
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%
5662 Cottage Hill Rd, MOBILE, AL 36609
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%
351 24th St N, Birmingham, AL 35203 3836
Share Certificates (CD's) - 36 Months
$1
3.60% ▲ 0.55% above Alabama avg
View
▼
RateN/A
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.55% above avgNationally 2.81%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
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%
201 S Main St, Atmore, AL 36502 2447
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%
201 S Main St, Atmore, AL 36502 2447
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
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
674 N Oates St, Dothan, AL 36303 4530
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%
1800 Honda Dr, Lincoln, AL 35096 5105
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 13, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1800 Honda Dr, Lincoln, AL 35096 5105
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 13, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
36 Month Share Certificates
$0
3.55% ▲ 0.50% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3601 4th Ave S, Birmingham, AL 35222
3 Year Share Certificates
$0
3.55% ▲ 0.50% above Alabama avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.50% above avgNationally 2.81%
Details

Balance: $1,000,000.00 +

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026

Alabama 48 Month CD Rates

MonitorBankRates Alabama Average · 48 Month CD2.92% APY▲ 0.05% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Alabama is 2.92% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
1509 4th Ave S, Birmingham, AL 35233 1612
Certificates of Deposit Regular - 48 Months
$0
4.70% ▲ 1.78% above Alabama avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 1.78% above avgNationally 2.80%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 13, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
112 E Ladiga St, Piedmont, AL 36272
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%
3003 2nd St, Rainbow City, AL 35906 5979
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%
220 Wynn Dr, Huntsville, AL 35893
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%
238 Virginia Ave, Daleville, AL 36322
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%
220 Wynn Dr, Huntsville, AL 35893
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%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
238 Virginia Ave, Daleville, AL 36322
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%
238 Virginia Ave, Daleville, AL 36322
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%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates - 48 Month
$0
3.97% ▲ 1.05% above Alabama avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 1.05% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 1.05% above Alabama avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 1.05% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
220 Wynn Dr, Huntsville, AL 35893
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%
220 Wynn Dr, Huntsville, AL 35893
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%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
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 13, 2026
Alabama Average2.92%▲ 0.93% above avgNationally 2.80%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
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%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
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 13, 2026
Alabama Average2.92%▲ 0.93% above avgNationally 2.80%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
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%
750 17th St N, Birmingham, AL 35203
48 Month Certificate of Deposit
$500
3.85% ▲ 0.93% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 0.93% above avgNationally 2.80%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
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%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
48 Month IRA Certificates
$0
3.81% ▲ 0.89% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Certificates - 48 Month
$0
3.81% ▲ 0.89% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 0.89% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
220 Wynn Dr, Huntsville, AL 35893
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
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
220 Wynn Dr, Huntsville, AL 35893
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%
702 Walnut St, Gadsden, AL 35901
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 13, 2026
Alabama Average2.92%▲ 0.83% above avgNationally 2.80%
Details

Minimum balance to earn APY: Any Balance

Rate History
1 change since Sep 14, 2026 · 2.58% → 3.75% ▲ 1.17 pts · high 3.75% / low 2.58%
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
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
702 Walnut St, Gadsden, AL 35901
Term Share Certificate - 48 Month
$1,000
3.75% ▲ 0.83% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
220 Wynn Dr, Huntsville, AL 35893
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%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
48 Month Share Certificates
$0
3.65% ▲ 0.73% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 0.73% above avgNationally 2.80%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
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%
5662 Cottage Hill Rd, MOBILE, AL 36609
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%
201 S Main St, Atmore, AL 36502 2447
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%
201 S Main St, Atmore, AL 36502 2447
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
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1000 Interstate Park Dr, Montgomery, AL 36109
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 13, 2026
Alabama Average2.92%▲ 0.63% above avgNationally 2.80%
Details

Interest Compound Period: Quarterly

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
674 N Oates St, Dothan, AL 36303 4530
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%
2051 S Broad St, Mobile, AL 36615 1286
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%
2051 S Broad St, Mobile, AL 36615 1286
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%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
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%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
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%
1400 20th St S, Birmingham, AL 35205 4914
48 Month Certificate & IRA
$0
3.50% ▲ 0.58% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 0.58% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 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%
2340 Woodcrest Pl, Birmingham, AL 35209
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%
1705 E 17th St, Sheffield, AL 35660 2517
48 Month Certificate
$0
3.40% ▲ 0.48% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 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%
4790 2nd St, Muscle Shoals, AL 35661 1285
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 13, 2026
Alabama Average2.92%▲ 0.47% above avgNationally 2.80%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 5 times
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%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
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%
2915 Pepperell Pkwy, Opelika, AL 36801 6127
48 Month Certificate
$500
3.34% ▲ 0.42% above Alabama avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 0.42% above avgNationally 2.80%
Details

Standard Certificates

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 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%
2520 6th St, Tuscaloosa, AL 35401 1702
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%
2520 6th St, Tuscaloosa, AL 35401 1702
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
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
750 Morphy Ave, Fairhope, AL 36532
Certificate - 48 Months
$500
3.29% ▲ 0.37% above Alabama avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 0.37% above avgNationally 2.80%
Details

Dividends compounded and paid quarterly; penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
48-Month IRA CD
$0
3.29% ▲ 0.37% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.92%▲ 0.37% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.93% → 3.29% ▲ 0.36 pts · high 3.29% / low 2.93%
2.43%3.11%3.79%Sep 14, 2026: 2.93% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 2.93%
  • Sep 14, 20262.93%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
4790 2nd St, Muscle Shoals, AL 35661 1285
48 Month IRA Certificate
$500
3.29% ▲ 0.37% above Alabama avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.92%▲ 0.37% above avgNationally 2.80%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026

Alabama 60 Month CD Rates

MonitorBankRates Alabama Average · 60 Month CD3.14% APY▲ 0.06% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Alabama is 3.14% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
400 Arba St, Montgomery, AL 36104 5106
60 Month Share Certificates (CDs) - Jumbo
$1,000
4.95% ▲ 1.81% above Alabama avg
View
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.81% above avgNationally 2.90%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.95% APY
4.45%4.95%5.45%Oct 13, 2026: 4.95% APYOct 13, 2026Oct 13, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
60 Month IRA
$0
4.70% ▲ 1.56% above Alabama avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.56% above avgNationally 2.90%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
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%
1290 S Donahue Dr, Auburn, AL 36832 6330
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%
1290 S Donahue Dr, Auburn, AL 36832 6330
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
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1800 Honda Dr, Lincoln, AL 35096 5105
5 Year IRA Certificate - Roth
$500
4.60% ▲ 1.46% above Alabama avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.46% above avgNationally 2.90%
Details

Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Oct 9, 2026: 3.40% APYOct 13, 2026: 4.60% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1800 Honda Dr, Lincoln, AL 35096 5105
5 Year IRA Certificate - Traditional
$500
4.60% ▲ 1.46% above Alabama avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.46% above avgNationally 2.90%
Details

Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Oct 9, 2026: 3.40% APYOct 13, 2026: 4.60% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1290 S Donahue Dr, Auburn, AL 36832 6330
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%
1290 S Donahue Dr, Auburn, AL 36832 6330
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%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
112 E Ladiga St, Piedmont, AL 36272
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%
238 Virginia Ave, Daleville, AL 36322
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%
220 Wynn Dr, Huntsville, AL 35893
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%
238 Virginia Ave, Daleville, AL 36322
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%
238 Virginia Ave, Daleville, AL 36322
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%
3003 2nd St, Rainbow City, AL 35906 5979
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%
220 Wynn Dr, Huntsville, AL 35893
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%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
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%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
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 13, 2026
Alabama Average3.14%▲ 0.87% above avgNationally 2.90%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 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%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
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 13, 2026
Alabama Average3.14%▲ 0.87% above avgNationally 2.90%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 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%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates - 60 Month
$0
4.00% ▲ 0.86% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 0.86% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2040 Valleydale Rd, Hoover, AL 35244 2006
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%
2040 Valleydale Rd, Hoover, AL 35244 2006
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%
220 Wynn Dr, Huntsville, AL 35893
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%
220 Wynn Dr, Huntsville, AL 35893
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%
621 Boll Weevil Cir, Enterprise, AL 36330
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%
621 Boll Weevil Cir, Enterprise, AL 36330
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%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
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%
220 Wynn Dr, Huntsville, AL 35893
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%
750 17th St N, Birmingham, AL 35203
60 Month Certificate of Deposit
$500
3.85% ▲ 0.71% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.90%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
60 Month IRA Certificates
$0
3.84% ▲ 0.70% above Alabama avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.70% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Certificates - 60 Month
$0
3.84% ▲ 0.70% above Alabama avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.70% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
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%
220 Wynn Dr, Huntsville, AL 35893
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%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
60 Month Share Certificates
$0
3.80% ▲ 0.66% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.66% above avgNationally 2.90%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

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
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
220 Wynn Dr, Huntsville, AL 35893
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
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
702 Walnut St, Gadsden, AL 35901
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 13, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Minimum balance to earn APY: Any Balance

Rate History
1 change since Sep 14, 2026 · 2.48% → 3.75% ▲ 1.27 pts · high 3.75% / low 2.48%
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
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
702 Walnut St, Gadsden, AL 35901
Term Share Certificate - 60 Month
$1,000
3.75% ▲ 0.61% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
110 S 26TH ST, GADSDEN, AL 35904 1935
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%
201 S Main St, Atmore, AL 36502 2447
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%
201 S Main St, Atmore, AL 36502 2447
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%
4790 2nd St, Muscle Shoals, AL 35661 1285
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 13, 2026
Alabama Average3.14%▲ 0.51% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
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%
5662 Cottage Hill Rd, MOBILE, AL 36609
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%
205 Mcfarland Cir N, Tuscaloosa, AL 35406
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
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
4790 2nd St, Muscle Shoals, AL 35661 1285
60 Month IRA Certificate
$500
3.55% ▲ 0.41% above Alabama avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.41% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
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%
4790 2nd St, Muscle Shoals, AL 35661 1285
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 13, 2026
Alabama Average3.14%▲ 0.41% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
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%
4790 2nd St, Muscle Shoals, AL 35661 1285
60 Month Standard Certificate
$500
3.55% ▲ 0.41% above Alabama avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.41% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates - 5 Year
$0
3.55% ▲ 0.41% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.41% above avgNationally 2.90%
Details

Interest Compound Period: Quarterly

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 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 Alabama Institutions

Highest verified APYs available today, updated October 13, 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: $500
5.00%
Hope Federal Credit Union Jackson, MS
60 Month Share Certificates (CDs) - Jumbo
A 5.0 ★ TX: 7.78%
Min: $1,000
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
60 Month IRA
A+ 5.0 ★ TX: 4.81%
Min: $0
4.70%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Alabama CD Rate Trends

Compare local Alabama 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 13, 2026.
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Sample CD Ladder for 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 Alabama
20 Banks 75 Credit Unions

About Our Alabama CD Rate Database

MonitorBankRates tracks 908 CD rates from 20 banks and 75 credit unions with locations in 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 Alabama.

How to Find the Best CD Rates in Alabama

What to compare when shopping for a CD in Alabama

To find the best APYs in Alabama, start with credit unions and online-only banks: 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 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 Alabama: 95 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Alabama savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Alabama money market rates

Alabama Financial Snapshot

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

Population 65+
17.8%
National avg: 17.3%
Median Individual Earnings
$40,605
National avg: $47,340
Poverty Rate
15.6%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$134/yr
At AL 12-mo avg 3.299% APY

17.8% of residents are 65 or older, in line with the national average of 17.3%. At today’s AL 12-month CD average of 3.299%, saving 10% of the local median salary ($4,060/year) and putting it in a CD would earn an additional $134 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in 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 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 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 Alabama as everywhere in the U.S.

Choosing a CD Term in 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 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 Share Certificates (CDs) - Jumbo at 4.95% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for 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 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 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 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 Alabama

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

Are CD rates in Alabama FDIC insured?

Yes, most established banks in 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 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 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 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 Alabama?

Here are recent top rates found for this area:
  • Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
  • Birmingham City Credit Union: 5.00% APY (18 Month Share Certificate)
  • Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Share Certificates (CDs) - Jumbo)
  • Service 1 Federal Credit Union: 4.75% APY (6 Month Youth Certificates)
  • Federal Employees Credit Union: 4.70% APY (60 Month IRA)
  • Auburn University Credit Union: 4.61% APY (54 - 60 Month IRA Share Certificate)
  • Honda Federal Credit Union: 4.60% APY (5 Year IRA Certificate - Roth)
  • Weyco Community Credit Union: 4.49% APY (18 Month Share Certificate)
  • Alabama One Credit Union: 4.36% APY (Certificate IRA (Traditional & Roth) - 6 Month)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
Rates reflect recent verified offers available in Alabama. Last Updated: October 13, 2026

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 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 Alabama CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Alabama. Averages shown use the Alabama state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Alabama

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.

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 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 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 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 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 13, 2026

Alabama Rates & Resources

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Cities in Alabama

  • Abbeville
  • Abernant
  • Adamsville
  • Addison
  • Adger
  • Akron
  • Alabaster
  • Alberta
  • Albertville
  • Alexander City
  • Alexandria
  • Aliceville
  • Allgood
  • Alma
  • Alpine
  • Alton
  • Altoona
  • Andalusia
  • Anderson
  • Annemanie
  • Anniston
  • Arab
  • Ardmore
  • Argo
  • Ariton
  • Arley
  • Arlington
  • Ashford
  • Ashland
  • Ashville
  • Athens
  • Atmore
  • Attalla
  • Auburn
  • Auburn University
  • Autaugaville
  • Avon
  • Axis
  • Babbie
  • Baileyton
  • Bakerhill
  • Banks
  • Bankston
  • Bay Minette
  • Bayou La Batre
  • Bear Creek
  • Beatrice
  • Beaverton
  • Belk
  • Bellamy
  • Belle Mina
  • Bellwood
  • Benton
  • Berlin
  • Berry
  • Bessemer
  • Billingsley
  • Birmingham
  • Black
  • Blountsville
  • Blue Springs
  • Boaz
  • Boligee
  • Bon Air
  • Bon Secour
  • Booth
  • Boykin
  • Brantley
  • Bremen
  • Brent
  • Brewton
  • Bridgeport
  • Brierfield
  • Brighton
  • Brilliant
  • Brooklyn
  • Brookside
  • Brookwood
  • Brownsboro
  • Brundidge
  • Bryant
  • Bucks
  • Buhl
  • Burnt Corn
  • Burnwell
  • Butler
  • Bynum
  • Calera
  • Calvert
  • Camden
  • Camp Hill
  • Campbell
  • Capshaw
  • Carbon Hill
  • Cardiff
  • Carlton
  • Carolina
  • Carrollton
  • Castleberry
  • Catherine
  • Cecil
  • Cedar Bluff
  • Center Point
  • Centre
  • Centreville
  • Chancellor
  • Chapman
  • Chatom
  • Chelsea
  • Cherokee
  • Cherokee Ridge
  • Chickasaw
  • Childersburg
  • Choccolocco
  • Chunchula
  • Citronelle
  • Clanton
  • Clay
  • Clayhatchee
  • Clayton
  • Cleveland
  • Clinton
  • Clio
  • Clopton
  • Cloverdale
  • Coaling
  • Coden
  • Coffee Springs
  • Coffeeville
  • Coker
  • Collinsville
  • Colony
  • Columbia
  • Columbiana
  • Cook Springs
  • Coosada
  • Cordova
  • Cottondale
  • Cottonton
  • Cottonwood
  • County Line
  • Courtland
  • Cowarts
  • Coy
  • Cragford
  • Crane Hill
  • Creola
  • Cromwell
  • Cropwell
  • Crossville
  • Cuba
  • Cullman
  • Cusseta
  • Dadeville
  • Daleville
  • Danville
  • Daphne
  • Dauphin Island
  • Daviston
  • Dawson
  • Dayton
  • De Armanville
  • Deatsville
  • Decatur
  • Deer Park
  • Delmar
  • Delta
  • Demopolis
  • Detroit
  • Dickinson
  • Dixons Mills
  • Docena
  • Dodge City
  • Dolomite
  • Dora
  • Dothan
  • Double Springs
  • Douglas
  • Dozier
  • Duncanville
  • Dutton
  • East Brewton
  • East Tallassee
  • Eastaboga
  • Echola
  • Eclectic
  • Edwardsville
  • Eight Mile
  • Elba
  • Elberta
  • Eldridge
  • Elkmont
  • Elmore
  • Elrod
  • Emelle
  • Empire
  • Enterprise
  • Epes
  • Equality
  • Estillfork
  • Ethelsville
  • Eufaula
  • Eutaw
  • Eva
  • Evergreen
  • Excel
  • Fackler
  • Fairfield
  • Fairhope
  • Fairview
  • Falkville
  • Faunsdale
  • Fayette
  • Fitzpatrick
  • Five Points
  • Flat Rock
  • Flomaton
  • Florala
  • Florence
  • Foley
  • Forest Home
  • Forkland
  • Fort Davis
  • Fort Deposit
  • Fort Mitchell
  • Fort Payne
  • Fort Rucker
  • Fosters
  • Franklin
  • Frankville
  • Frisco City
  • Fruitdale
  • Fruithurst
  • Fulton
  • Fultondale
  • Furman
  • Fyffe
  • Gadsden
  • Gainestown
  • Gainesville
  • Gallant
  • Gallion
  • Gantt
  • Garden City
  • Gardendale
  • Gaylesville
  • Geiger
  • Geneva
  • Georgiana
  • Geraldine
  • Gilbertown
  • Glen Allen
  • Glencoe
  • Glenwood
  • Goldville
  • Good Hope
  • Goodsprings
  • Goodwater
  • Goodway
  • Gordo
  • Gordon
  • Gordonville
  • Goshen
  • Grady
  • Graham
  • Grand Bay
  • Grant
  • Graysville
  • Green Pond
  • Greensboro
  • Greenville
  • Grimes
  • Grove Hill
  • Groveoak
  • Gu-Win
  • Guin
  • Gulf Shores
  • Guntersville
  • Gurley
  • Hackleburg
  • Haleburg
  • Haleyville
  • Hamilton
  • Hammondville
  • Hanceville
  • Hardaway
  • Harpersville
  • Hartford
  • Hartselle
  • Harvest
  • Hatchechubbee
  • Hayden
  • Hayneville
  • Hazel Green
  • Headland
  • Heath
  • Heflin
  • Helena
  • Henagar
  • Higdon
  • Highland Home
  • Highland Lake
  • Hillsboro
  • Hobson City
  • Hodges
  • Hokes Bluff
  • Hollins
  • Holly Pond
  • Hollytree
  • Hollywood
  • Holy Trinity
  • Homewood
  • Honoraville
  • Hoover
  • Hope Hull
  • Horn Hill
  • Horton
  • Houston
  • Hueytown
  • Huntsville
  • Hurtsboro
  • Huxford
  • Hytop
  • Ider
  • Indian Springs Village
  • Irondale
  • Irvington
  • Iuka
  • Jachin
  • Jack
  • Jackson
  • Jacksons Gap
  • Jacksonville
  • Jasper
  • Jefferson
  • Jemison
  • Jones
  • Joppa
  • Kansas
  • Kellerman
  • Kellyton
  • Kennedy
  • Kent
  • Killen
  • Kimberly
  • Kinsey
  • Kinston
  • Knoxville
  • Laceys Spring
  • Lafayette
  • Lakeview
  • Lanett
  • Langston
  • Lapine
  • Lawley
  • Leeds
  • Leesburg
  • Leighton
  • Lenox
  • Leroy
  • Lester
  • Letohatchee
  • Level Plains
  • Lexington
  • Libertyville
  • Lillian
  • Lincoln
  • Linden
  • Lineville
  • Lipscomb
  • Lisman
  • Little River
  • Littleville
  • Livingston
  • Loachapoka
  • Lockhart
  • Locust Fork
  • Logan
  • Louisville
  • Lower Peach Tree
  • Lowndesboro
  • Loxley
  • Luverne
  • Lynn
  • Madison
  • Madrid
  • Magnolia
  • Magnolia Springs
  • Malcolm
  • Malvern
  • Maplesville
  • Marbury
  • Margaret
  • Marion
  • Marion Junction
  • Mathews
  • Maylene
  • Maytown
  • McCalla
  • McIntosh
  • McKenzie
  • McMullen
  • McShan
  • McWilliams
  • Megargel
  • Melvin
  • Memphis
  • Mentone
  • Meridianville
  • Mexia
  • Midfield
  • Midland City
  • Midway
  • Millbrook
  • Millerville
  • Millport
  • Millry
  • Minter
  • Mobile
  • Monroeville
  • Montevallo
  • Montgomery
  • Montrose
  • Moody
  • Mooresville
  • Morris
  • Morvin
  • Mosses
  • Moulton
  • Moundville
  • Mount Hope
  • Mount Meigs
  • Mount Olive
  • Mount Vernon
  • Mountain Brook
  • Mulga
  • Munford
  • Muscadine
  • Muscle Shoals
  • Myrtlewood
  • Nanafalia
  • Napier Field
  • Natural Bridge
  • Nauvoo
  • Nectar
  • Needham
  • New Brockton
  • New Castle
  • New Hope
  • New Market
  • New Site
  • Newbern
  • Newell
  • Newton
  • Newville
  • Normal
  • North Courtland
  • North Johns
  • Northport
  • Notasulga
  • Oak Grove
  • Oak Hill
  • Oakman
  • Odenville
  • Ohatchee
  • Oneonta
  • Onycha
  • Opelika
  • Opp
  • Orange Beach
  • Orrville
  • Owens Cross Roads
  • Oxford
  • Ozark
  • Paint Rock
  • Palmerdale
  • Panola
  • Pansey
  • Parrish
  • Pelham
  • Pell City
  • Pennington
  • Perdido
  • Perdido Beach
  • Perdue Hill
  • Perote
  • Peterman
  • Peterson
  • Petrey
  • Phenix City
  • Phil Campbell
  • Pickensville
  • Piedmont
  • Pike Road
  • Pinckard
  • Pine Apple
  • Pine Hill
  • Pine Level
  • Pine Ridge
  • Pinson
  • Pisgah
  • Pittsview
  • Plantersville
  • Pleasant Grove
  • Pleasant Groves
  • Point Clear
  • Pollard
  • Powell
  • Prattville
  • Priceville
  • Prichard
  • Princeton
  • Providence
  • Quinton
  • Ragland
  • Rainbow City
  • Rainsville
  • Ralph
  • Ramer
  • Ranburne
  • Randolph
  • Range
  • Red Bay
  • Red Level
  • Reece City
  • Reform
  • Rehobeth
  • Remlap
  • Repton
  • Ridgeville
  • River Falls
  • Riverside
  • Riverview
  • Roanoke
  • Robertsdale
  • Rockford
  • Rogersville
  • Rosa
  • Russellville
  • Rutledge
  • Ryland
  • Safford
  • Saginaw
  • Saint Elmo
  • Saint Florian
  • Saint Stephens
  • Salem
  • Salitpa
  • Samantha
  • Samson
  • Sand Rock
  • Sanford
  • Saraland
  • Sardis
  • Sardis City
  • Satsuma
  • Sawyerville
  • Sayre
  • Scottsboro
  • Seale
  • Section
  • Selma
  • Seminole
  • Semmes
  • Shannon
  • Sheffield
  • Shelby
  • Shiloh
  • Shorter
  • Shorterville
  • Silas
  • Siluria
  • Silverhill
  • Sipsey
  • Skipperville
  • Skyline
  • Slocomb
  • Smiths
  • Smiths Station
  • Snead
  • Snow Hill
  • Somerville
  • South Vinemont
  • Southside
  • Spanish Fort
  • Spring Garden
  • Springville
  • Sprott
  • Spruce Pine
  • Stanton
  • Stapleton
  • Steele
  • Sterrett
  • Stevenson
  • Stockton
  • Sulligent
  • Sumiton
  • Summerdale
  • Sunflower
  • Susan Moore
  • Sweet Water
  • Sycamore
  • Sylacauga
  • Sylvan Springs
  • Sylvania
  • Talladega
  • Talladega Springs
  • Tallassee
  • Tanner
  • Tarrant
  • Taylor
  • Theodore
  • Thomaston
  • Thomasville
  • Thorsby
  • Tibbie
  • Titus
  • Toney
  • Town Creek
  • Townley
  • Toxey
  • Trafford
  • Trenton
  • Triana
  • Trinity
  • Troy
  • Trussville
  • Tuscaloosa
  • Tuscumbia
  • Tuskegee
  • Tuskegee Institute
  • Twin
  • Tyler
  • Union
  • Union Grove
  • Union Springs
  • Uniontown
  • Uriah
  • Valhermoso Springs
  • Valley
  • Valley Grande
  • Valley Head
  • Vance
  • Vandiver
  • Verbena
  • Vernon
  • Vestavia Hills
  • Vina
  • Vincent
  • Vinegar Bend
  • Vinemont
  • Vredenburgh
  • Wadley
  • Wagarville
  • Waldo
  • Walker Springs
  • Walnut Grove
  • Ward
  • Warrior
  • Waterloo
  • Watson
  • Wattsville
  • Waverly
  • Weaver
  • Webb
  • Wedowee
  • Wellington
  • Weogufka
  • West Blocton
  • West Greene
  • West Jefferson
  • West Point
  • Westover
  • Wetumpka
  • Whatley
  • White Hall
  • Wilmer
  • Wilsonville
  • Wilton
  • Winfield
  • Wing
  • Woodland
  • Woodstock
  • Woodville
  • Yellow Bluff
  • York