Alabama CD Rates Today - Compare Best APYs for July 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Alabama CD rates include Bank47Bank47415a Church St Nw, Huntsville, AL 35801A+5.0 ★Real return: +2.20%APY minus CPI (February 2026) offering 6-Month Certificate of Deposit at 5.00% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1 Cottonvalley Dr NW, Huntsville, AL 35810 6045B4.4 ★Texas Ratio: 17.71%Real return: +1.32%APY minus CPI (February 2026) offering 36-Month Variable IRA Certificate at 4.12% APY, Family Savings Credit UnionFamily Savings Credit Union3003 2nd St, Rainbow City, AL 35906 5979A5.0 ★Texas Ratio: 8.66%Real return: +1.30%APY minus CPI (February 2026) offering Share Certificate / IRA Certificate 36 Months at 4.10% APY, New Horizons Credit UnionNew Horizons Credit Union622 Azalea Rd, Mobile, AL 36609 1530A+5.0 ★Texas Ratio: 1.07%Real return: +1.20%APY minus CPI (February 2026) offering 6-Month Certificate at 4.00% APY, and Winsouth Credit UnionWinsouth Credit Union110 S 26TH ST, GADSDEN, AL 35904 1935A+5.0 ★Texas Ratio: 2.45%Real return: +1.10%APY minus CPI (February 2026) offering 6 month special at 3.90% APY. CD rates as of July 12, 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 Bank47 at 415a Church St Nw, Huntsville, AL 35801. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 12, 2026
Compare Best CD Rates in Alabama
Alabama 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Earn 3.55% APY on balances of $500 or more.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Month Share/IRA Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 10, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
90 Days
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Paid At Maturity
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
IRA Certificate 3 Months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
923 Cleveland Ave, Attalla, AL 35954
3 Months
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
200 E 6TH ST, TUSCUMBIA, AL 35674
3 months
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Effective February 28,2024
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1901 6th Ave N, Birmingham, AL 35203
3 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1901 6th Ave N, Birmingham, AL 35203
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
34888 Us Highway 43, Hackleburg, AL 35564
3 Month Certificate
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Alabama 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank47
Institution Rating:
A+5.0 ★
415a Church St Nw, Huntsville, AL 35801
6-Month Certificate of Deposit
$500
5.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
New money to Bank47 required. Interest compounding daily, credited monthly. Auto renews at 6-month term. A penalty may be imposed for early withdrawal.
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL 36609 1530
6-Month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL 35904 1935
6 month special
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
6 Months Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
6 Month CD
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 6 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
6 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Monthly
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 6 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
6-Months Certificate
$1,000
3.72%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit 6 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
3003 2nd St, Rainbow City, AL 35906 5979
Share Certificate / IRA Certificate 180 Days
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
6 Month CD
$0
3.68%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
6 Months
$0
3.68%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
674 N Oates St, Dothan, AL 36303 4530
6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
674 N Oates St, Dothan, AL 36303 4530
6-Month Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2020 Patton Chapel Rd, Hoover, AL 35216
6 months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
200 E 6TH ST, TUSCUMBIA, AL 35674
6 Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
200 E 6TH ST, TUSCUMBIA, AL 35674
6 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Effective February 28,2024
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
6 month CD
$1,000
3.53%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
B4.4 ★Texas Ratio: 21.71%
2 1st St Ne, Lafayette, AL 36862
6 Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
The Annual Percentage Yield (APY) of 3.50% is effective and accurate as of December 22, 2025. Early withdrawal penalties may be imposed, and the fee could reduce principal. If the CD is fully or partially redeemed prior to original maturity date, a penalty equivalent to 1 month interest may be applied. Offer may be withdrawn or modified without prior notice. Fees could reduce earnings. See a Customer Service Representative for complete terms and conditions.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
6-Month Fixed Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2040 Valleydale Rd, Hoover, AL 35244 2006
6 Month Share/IRA Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 10, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
6 Months CD Special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL 35044 3016
6 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
APY = Annual Percentage Yield. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings.
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 6 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
6 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Paid Quarterly
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
IRA Certificate 6 months
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
Standard Certificates 6 months
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
923 Cleveland Ave, Attalla, AL 35954
6 Months
$0
3.45%
▼
Rate3.42%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
6 MONTH
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
NON-COMPOUNDING: 3.40%*, APY: 3.40%*
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 6 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
IRA Certificate 6 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Special Offers 6 Months (Starter) Fixed
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 6 Months (Starter) Fixed
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Special Offers
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
Share Certificate 6 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Share Certificates 6 Months
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
early withdrawal penalty rate is 30 days interest at prevailing rate
FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL 36117
6-Month Share Certificate
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
4301 Iverson Blvd, Trinity, AL 35673
Share Certificates/CDs - 6 Months
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
6 Month
$500
1.40%
▼
Rate1.39%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Compound Frequency: Monthly
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
6 Months IRA
$500
1.40%
▼
Rate1.39%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2420 PEPPERELL PKWY, OPELIKA, AL 36801 6257
6 Month Regular Certificate
$1,000
0.85%
▼
Rate0.85%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL 35904 1935
6 month
$0
0.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
6 Month Certificate
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1901 6th Ave N, Birmingham, AL 35203
6 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1901 6th Ave N, Birmingham, AL 35203
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
34888 Us Highway 43, Hackleburg, AL 35564
6 Month Certificate
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Alabama 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
1001 Spring Hill Ave, Mobile, AL 36604 2713
12-month Certificate of Deposit
$500
3.82%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
Up to
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL 36609 1530
12 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Early Withdrawal Penalty: 3 Months Dividend
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL 36609 1530
12-Month Certificate
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit 12 Months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
674 N Oates St, Dothan, AL 36303 4530
12 Months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
674 N Oates St, Dothan, AL 36303 4530
12-Month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
12 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Monthly
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2020 Patton Chapel Rd, Hoover, AL 35216
12 months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 12 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
12 month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL 35904 1935
12 month special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL 35044 3016
12 months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
APY = Annual Percentage Yield. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings.
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 1 Year
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
1 Year
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Paid Quarterly
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
200 E 6TH ST, TUSCUMBIA, AL 35674
12 months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Effective February 28,2024
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 12 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
IRA Certificate 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
Roth IRA Certificates 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
Standard Certificates 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
IRA Certificate 12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
IRA Certificate 12 Months
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
12 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
12-Months Certificate
$1,000
3.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
12 Month CD
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2040 Valleydale Rd, Hoover, AL 35244 2006
1 Year Elite Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$10k minimum deposit
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2040 Valleydale Rd, Hoover, AL 35244 2006
1 Year Share/IRA Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 10, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
12-Month Fixed Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
12 Months Certificate
$0
3.42%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
3003 2nd St, Rainbow City, AL 35906 5979
Share Certificate / IRA Certificate 12 Months
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
12-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
4301 Iverson Blvd, Trinity, AL 35673
Share Certificates/CDs - 12 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
12-Month Fixed IRA Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
B4.4 ★Texas Ratio: 21.71%
2 1st St Ne, Lafayette, AL 36862
12 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
The Annual Percentage Yield (APY) of 3.35% is effective and accurate as of December 22, 2025. Early withdrawal penalties may be imposed, and the fee could reduce principal. If the CD is fully or partially redeemed prior to original maturity date, a penalty equivalent to 1 month interest may be applied. Offer may be withdrawn or modified without prior notice. Fees could reduce earnings. See a Customer Service Representative for complete terms and conditions.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
IRA Certificate 12 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 12 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 12 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
1 Year
$500
3.25%
▼
Rate3.19%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
15660 Highway 280, Chelsea, AL 35043
12 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
15660 Highway 280, Chelsea, AL 35043
12-Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Interest Paid: Monthly
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
Share Certificate 12 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
1-Year
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 8, 2026
Details
Quarterly
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
12 Months CD Special
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 1-Year
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Dividends Compounded/Credited: Quarterly
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
923 Cleveland Ave, Attalla, AL 35954
12 Months
$0
3.00%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
12 MONTH
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
NON-COMPOUNDING: 2.75%**, APY: 2.75%**
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Share Certificates 12 Months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
early withdrawal penalty rate is 30 days interest at prevailing rate
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 12 Months (No-Penalty) Fixed
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Special Offers
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Special Offers 12 Months (No-Penalty) Fixed
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Compounding
Alabama 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
18-Month Variable IRA Certificate
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit 18 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 18 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
18 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Monthly
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 18 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
16601 County Road 150, Courtland, AL 35618
CD Special 18 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
IRA Certificate 18 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
Standard Certificates 18 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
18 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
18 Month
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Compound Frequency: Monthly
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
18 Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
3003 2nd St, Rainbow City, AL 35906 5979
Share Certificate / IRA Certificate 18 Months
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
Share Certificate 18 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
18 Month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
18 Months Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
18 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Paid Quarterly
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 18 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
IRA Certificate 18 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 18 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 18 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
200 E 6TH ST, TUSCUMBIA, AL 35674
18 months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Effective February 28,2024
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
18-Month IRA CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
18 MONTH
$0
2.68%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
NON-COMPOUNDING: 2.65%*, APY: 2.65%*
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
400 Arba St, Montgomery, AL 36104 5106
IRA 18-Month Certificate
$0
2.48%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL 36117
18-Month Share Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
IRA 18-Month Fixed
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
34888 Us Highway 43, Hackleburg, AL 35564
18 Month Certificate
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
18 Month Certificate
$1,000
0.12%
▼
Rate0.12%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
18 Month Education IRA Certificate
$2,000
0.12%
▼
Rate0.12%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
18 Month IRA Certificate
$2,000
0.12%
▼
Rate0.12%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
18 Month ROTH IRA Certificate
$2,000
0.12%
▼
Rate0.12%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
Alabama 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
3003 2nd St, Rainbow City, AL 35906 5979
Share Certificate / IRA Certificate 24 Months
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
2 Year Executive
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL 35904 1935
24 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit 24 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
2 Years
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
674 N Oates St, Dothan, AL 36303 4530
24 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
IRA Certificate 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
24 month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
24 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Monthly
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 24 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 24 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2040 Valleydale Rd, Hoover, AL 35244 2006
2 Year Share/IRA Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 10, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
24 Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Compound Frequency: Monthly
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
24 Month IRA
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
24-Month Fixed IRA Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
IRA Certificate 24 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
Standard Certificates 24 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
24 month IRA
$500
3.41%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
200 E 6TH ST, TUSCUMBIA, AL 35674
24 months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Effective February 28,2024
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
15660 Highway 280, Chelsea, AL 35043
24 Months
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
15660 Highway 280, Chelsea, AL 35043
24-Month CD
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Interest Paid: Monthly
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
IRA Certificate 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
Share Certificate 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 24 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
24 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 24 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
24-Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
24-Month IRA CD
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
IRA Certificate 24 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
24 Month CD
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
24 Months Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL 35044 3016
24 months
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. APY = Annual Percentage Yield. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2020 Patton Chapel Rd, Hoover, AL 35216
24 months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 2 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
2 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Paid Quarterly
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
1501 31st Ave N, Birmingham, AL 35207
IRA Certificate (24 month)
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL 36609 1530
24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Early Withdrawal Penalty: 3 Months Dividend
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
24 MONTH
$0
2.73%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
NON-COMPOUNDING: 2.70%*, APY: 2.70%*
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Share Certificates 24 Months
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
early withdrawal penalty rate is 60 days interest at prevailing rate
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
923 Cleveland Ave, Attalla, AL 35954
2 Year
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2420 PEPPERELL PKWY, OPELIKA, AL 36801 6257
24 Month Regular Certificate
$1,000
1.61%
▼
Rate1.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
2-Year
$2,500
1.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 8, 2026
Details
Quarterly
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 2-Year
$1,000
1.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Dividends Compounded/Credited: Quarterly
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
15 20th St N, Pell City, AL 35125
2 Years
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
IRA 24-Month Fixed
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
24 Month Certificate
$1,000
0.23%
▼
Rate0.23%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
34888 Us Highway 43, Hackleburg, AL 35564
24 Month Certificate
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Alabama 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
36-Month Variable IRA Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
3003 2nd St, Rainbow City, AL 35906 5979
Share Certificate / IRA Certificate 36 Months
$500
4.10%
▼
Rate4.04%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL 35904 1935
36 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit 36 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
36 Month
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Compound Frequency: Monthly
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
36 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
36 month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
IRA Certificate 36 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
IRA Certificate 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
674 N Oates St, Dothan, AL 36303 4530
36 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
36 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Monthly
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 36 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
36-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Year Share/IRA Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 10, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Year Elite Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$10k minimum deposit
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 36 Months Fixed
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 36 Months Fixed
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
3 Years
$500
3.35%
▼
Rate3.29%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
36 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
Share Certificate 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
Standard Certificates 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
Roth IRA Certificates 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
IRA Certificate 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Member's Choice Share Certificate 36 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
15660 Highway 280, Chelsea, AL 35043
36 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
15660 Highway 280, Chelsea, AL 35043
36-Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Interest Paid: Monthly
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
APY is fixed for a 36-month term. Early withdrawal penalties may be imposed.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
36-Month Fixed Rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
1501 31st Ave N, Birmingham, AL 35207
IRA Certficate (36 month)
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
200 E 6TH ST, TUSCUMBIA, AL 35674
36 months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Effective February 28,2024
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
3 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Paid Quarterly
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 3 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2020 Patton Chapel Rd, Hoover, AL 35216
36 months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
36-Month IRA CD
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
36 MONTH
$0
2.83%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
NON-COMPOUNDING: 2.80%*, APY: 2.80%*
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
36 Month CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL 35044 3016
36 months
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. APY = Annual Percentage Yield. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings.
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
36 Months Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL 36609 1530
36 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Early Withdrawal Penalty: 3 Months Dividend
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
923 Cleveland Ave, Attalla, AL 35954
3 Year
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2420 PEPPERELL PKWY, OPELIKA, AL 36801 6257
36 Month Regular Certificate
$1,000
1.66%
▼
Rate1.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
3-Year
$2,500
1.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 8, 2026
Details
Quarterly
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 3-Year
$1,000
1.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Dividends Compounded/Credited: Quarterly
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
15 20th St N, Pell City, AL 35125
3 Years
$0
1.40%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account.
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
36 Month Certificate
$1,000
0.39%
▼
Rate0.39%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
36 Month Education IRA Certificate
$2,000
0.39%
▼
Rate0.39%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
Alabama 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
3003 2nd St, Rainbow City, AL 35906 5979
Share Certificate / IRA Certificate 48 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL 35904 1935
48 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
IRA Certificate 48 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit 48 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
48 Month
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Compound Frequency: Monthly
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
IRA Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
48 month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
48-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
674 N Oates St, Dothan, AL 36303 4530
48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
48 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Monthly
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 48 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 48 Months Fixed
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 48 Months Fixed
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Member's Choice Share Certificate 48 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
Standard Certificates 48 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
IRA Certificate 48 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
200 E 6TH ST, TUSCUMBIA, AL 35674
48 months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Effective February 28,2024
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
15660 Highway 280, Chelsea, AL 35043
48 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
15660 Highway 280, Chelsea, AL 35043
48-Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Interest Paid: Monthly
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
APY is fixed for a 48-month term.
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
4 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Paid Quarterly
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 4 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
48-Month IRA CD
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
48 Month CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL 35044 3016
48 months
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. APY = Annual Percentage Yield. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings.
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
48 Months Certificate
$0
2.26%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
48 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
923 Cleveland Ave, Attalla, AL 35954
4 Year
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
15 20th St N, Pell City, AL 35125
4 Years
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
4-Year
$2,500
1.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 8, 2026
Details
Quarterly
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 4-Year
$1,000
1.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Dividends Compounded/Credited: Quarterly
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
48 Month Certificate
$1,000
0.46%
▼
Rate0.46%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
48 Month Education IRA Certificate
$2,000
0.46%
▼
Rate0.46%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
48 Month IRA Certificate
$2,000
0.46%
▼
Rate0.46%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
48 Month ROTH IRA Certificate
$2,000
0.46%
▼
Rate0.46%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
34888 Us Highway 43, Hackleburg, AL 35564
48 Month Certificate
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Alabama 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
IRA Certificate 60 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
3003 2nd St, Rainbow City, AL 35906 5979
Share Certificate / IRA Certificate 60 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL 35904 1935
60 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
60 Month
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Compound Frequency: Monthly
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
201 S Main St, Atmore, AL 36502 2447
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit 60 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
IRA Certificate 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
5 Year Executive
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
60 month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
Standard Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
Roth IRA Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
4790 2nd St, Muscle Shoals, AL 35661 1285
IRA Certificate 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
60-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2040 Valleydale Rd, Hoover, AL 35244 2006
5 Year Elite Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$10k minimum deposit
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2040 Valleydale Rd, Hoover, AL 35244 2006
5 Year Share/IRA Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 10, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 60 Months Fixed
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 60 Months Fixed
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
200 E 6TH ST, TUSCUMBIA, AL 35674
60 months
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Effective February 28,2024
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
674 N Oates St, Dothan, AL 36303 4530
60 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
60 Month IRA
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
IRA Certificate 60 Months
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit 60 Months
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
5 Years
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
60 Months
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Monthly
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Member's Choice Share Certificate 60 Months Fixed
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
60 Month CD
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
60 Months
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2520 6th St, Tuscaloosa, AL 35401 1702
Share & IRA Certificates 60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
5 Year
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Paid Quarterly
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL 35244 1005
IRA CD 5 Year
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
15660 Highway 280, Chelsea, AL 35043
60 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
15660 Highway 280, Chelsea, AL 35043
60-Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Interest Paid: Monthly
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2020 Patton Chapel Rd, Hoover, AL 35216
60 months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
60-Month IRA CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL 35044 3016
60 months
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. APY = Annual Percentage Yield. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
400 Arba St, Montgomery, AL 36104 5106
IRA 60-Month Certificate
$0
2.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
60 Months Certificate
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
923 Cleveland Ave, Attalla, AL 35954
5 Year
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
15 20th St N, Pell City, AL 35125
5 Years
$0
1.75%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
5-Year
$2,500
1.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 8, 2026
Details
Quarterly
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
IRA Certificate 5-Year
$1,000
1.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Dividends Compounded/Credited: Quarterly
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
60 Month Certificate
$1,000
0.49%
▼
Rate0.49%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
60 Month Education IRA Certificate
$2,000
0.49%
▼
Rate0.49%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
60 Month IRA Certificate
$2,000
0.49%
▼
Rate0.49%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
334 Victory Drive, Bynum, AL 36253
60 Month ROTH IRA Certificate
$2,000
0.49%
▼
Rate0.49%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
34888 Us Highway 43, Hackleburg, AL 35564
60 Month Certificate
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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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.
12-Month CD — AL Avg
2.670%
▼ 0.216 vs 7 days ago
Alabama 12-month CD rates fell 0.216 points over the past 7 days to 2.670% APY.
6-Month CD — AL Avg
2.542%
▼ 0.195 vs 7 days ago
Alabama 6-month CD rates fell 0.195 points over the past 7 days to 2.542% APY.
As of Jul 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
AL CD Rate Forecast — Next 12 Months
Where are Alabama CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AL 12-Month Avg APY
2.670%
6-Month Forecast
2.670%
Range: 2.47% – 2.82%
12-Month Forecast
2.420%
Range: 2.22% – 2.57%
Powered by
MonitorBankRates
What Your Savings Earn at AL CD Rates Today
Annual interest earnings at today’s Alabama average APYs. State average used where available; national average as fallback.
| CD Term | AL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.180% | $59.01 | $118.02 | $295.05 | $590.10 |
| 6-Month CD | 2.542% | $127.08 | $254.16 | $635.40 | $1,270.80 |
| 12-Month CD | 2.670% | $133.50 | $266.99 | $667.48 | $1,334.95 |
| 18-Month CD | 2.916% | $145.81 | $291.61 | $729.03 | $1,458.05 |
| 24-Month CD | 3.105% | $155.24 | $310.48 | $776.20 | $1,552.40 |
| 36-Month CD | 2.993% | $149.66 | $299.32 | $748.30 | $1,496.60 |
| 48-Month CD | 2.934% | $146.69 | $293.38 | $733.45 | $1,466.90 |
| 60-Month CD | 3.092% | $154.61 | $309.21 | $773.03 | $1,546.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 12, 2026. | |||||
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.
| Rung | Term | Deposit | AL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.180% | $59.01 |
| 2 | 6-Month CD | $5,000 | 2.542% | $127.08 |
| 3 | 12-Month CD | $5,000 | 2.670% | $133.50 |
| 4 | 24-Month CD | $5,000 | 3.105% | $155.24 |
| 5 | 36-Month CD | $5,000 | 2.993% | $149.66 |
| Total ($25,000 invested) | $25,000 | 2.498% blended | $624.49/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.
297
CD Rates
Tracked in Alabama
Tracked in Alabama
11 Banks
33 Credit Unions
About Our Alabama CD Rate Database
MonitorBankRates tracks 297 CD rates from 11 banks and 33 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 (1–5), 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: Bank47 offers a CD at 5.00% APY with a minimum deposit of $500. 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 33 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 — 44 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Alabama savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$108/yr
At AL 12-mo avg 2.670% 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 2.670%, saving 10% of the local median salary ($4,060/year) and putting it in a CD would earn an additional $108 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 (90–180 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, Bank47 is offering its 6-Month Certificate of Deposit at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, MTC Federal Credit Union is offering its IRA Certificate 60 Months at 3.80% 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:
- Bank47: 5.00% APY (6-Month Certificate of Deposit)
- UNIFY Financial Federal Credit Union: 4.12% APY (36-Month Variable IRA Certificate)
- Family Savings Credit Union: 4.10% APY (Share Certificate / IRA Certificate 36 Months)
- New Horizons Credit Union: 4.00% APY (6-Month Certificate)
- Winsouth Credit Union: 3.90% APY (6 month special)
- Red Oak Credit Union: 3.85% APY (6 Months Certificate)
- Northrop Grumman Federal Credit Union: 3.84% APY (Bonus Certificates 12 Month)
- Gulf Coast Federal Credit Union: 3.82% APY (12-month Certificate of Deposit)
- Heritage South Credit Union: 3.81% APY (6 Month CD)
- Honda Federal Credit Union: 3.80% APY (2 Year Executive)
Rates reflect recent verified offers available in Alabama. Last Updated: July 12, 2026
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 LadderAL CD rates currently range from 1.180% (3-month) to 2.993% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Alabama CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsAlabama’s average 12-month CD is 2.670% 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: July 12, 2026
Cities in Alabama
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