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Alabama Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Alabama CD rates include Platinum Federal Credit UnionPlatinum Federal Credit Union2020 Patton Chapel Rd, Hoover, AL 35216A+5.0 ★Texas Ratio: 1.90%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 5.00% APY, Birmingham City Credit UnionBirmingham City Credit Union2725 35th Ave N, Birmingham, AL 35207 2839A+5.0 ★Texas Ratio: 0.84%Real return: +2.20%APY minus CPI (February 2026) offering 18 Month Share Certificates at 5.00% APY, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS400 Arba St, Montgomery, AL 36104 5106A5.0 ★Texas Ratio: 6.51%Real return: +1.67%APY minus CPI (February 2026) offering 60 Month Jumbo Share Certificates (CDs) at 4.47% APY, F&M Bank Piedmont, ALF&M Bank Piedmont, AL112 E Ladiga St, Piedmont, AL 36272A+5.0 ★Texas Ratio: 3.75%Real return: +1.52%APY minus CPI (February 2026) offering 5 Year C.D. at 4.32% APY, and All In Credit UnionAll In Credit Union238 Virginia Ave, Daleville, AL 36322A5.0 ★Texas Ratio: 11.40%Real return: +1.48%APY minus CPI (February 2026) offering 18 Month IRA Jumbo at 4.28% APY. CD rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Alabama side-by-side. Alabama CD rates currently reach as high as 5.00% APY from Platinum Federal Credit Union at 2020 Patton Chapel Rd, Hoover, AL 35216. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026
Compare Best CD Rates in Alabama
Alabama 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
90 Day Certificate Special
$0
4.15%
▲ 2.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.09% above avg
Details
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1290 S Donahue Dr, Auburn, AL 36832 6330
90 Day Share Certificates
$0
4.00%
▲ 1.94% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1290 S Donahue Dr, Auburn, AL 36832 6330
90 Day Share Certificates
$0
3.90%
▲ 1.84% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.84% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
3 Month IRA Jumbo
$100,000
3.71%
▲ 1.65% above national avg
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.65% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
3 Month Jumbo Term Certificate
$100,000
3.71%
▲ 1.65% above national avg
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.65% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
3 Month IRA
$1,000
3.66%
▲ 1.60% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.60% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
3 Month Term Certificate
$1,000
3.66%
▲ 1.60% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.60% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
4643 Highway 280, Alexander City, AL 35010
3-Month Certificate of Deposit
$500
3.55%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
3 Month Eva Liquid CD
$500
3.55%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.49% above avg
Details
Renews every 3 months.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Month Share Certificate
$1,000
3.30%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.24% above avg
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Month Share/IRA Certificate
$0
3.30%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.24% above avg
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
1810 Merchants Dr, Hoover, AL 35244 1005
90 Day Certificate
$0
3.25%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.19% above avg
Details
Paid: At Maturity
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1000 Interstate Park Dr, Montgomery, AL 36109
3 Month Share Certificate
$500
2.52%
▲ 0.46% above national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.46% above avg
Details
Interest Compound Period: Quarterly
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
3 Month IRA Plus Certificates
$0
2.47%
▲ 0.41% above national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.41% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
3 Month Share Certificates Plus
$0
2.47%
▲ 0.41% above national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.41% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
3 Month IRA Certificates
$0
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.21% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
3 Month Share Certificates
$0
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.21% above avg
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
21511 State Highway 59 S, Robertsdale, AL 36567 6701
3 Month Certificate Account
$0
2.10%
▲ 0.04% above national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.04% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1600 Montclair Rd, Birmingham, AL 35210
3 Month CD
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
923 Cleveland Ave, Attalla, AL 35954
3 Month Certificate of Deposit
$0
2.00%
▼ 0.06% below national avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.06% below avg
Details
Jefferson Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
716 Richard Arrington Jr Blvd N, Birmingham, AL 35203
3 Month Prosperity Certificate of Deposit
$5,000
2.00%
▼ 0.06% below national avg
▼
Rate1.98%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2725 35th Ave N, Birmingham, AL 35207 2839
3 Month Share Certificates
$0
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
200 E Nashville Ave, Atmore, AL 36502
3 Month Standard CD
$0
0.55%
▼ 1.51% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.51% below avg
Details
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
112 E Ladiga St, Piedmont, AL 36272
90 Day C.D.
$1,000
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.56% below avg
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2309 Cobbs Ford Rd, Prattville, AL 36066
90 Day Certificate
$500
0.20%
▼ 1.86% below national avg
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.86% below avg
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2309 Cobbs Ford Rd, Prattville, AL 36066
90 Day Jumbo Share Certificate
$100,000
0.20%
▼ 1.86% below national avg
▼
Rate0.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.86% below avg
Details
Kinetic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
3722 US Highway 431 N, Phenix City, AL 36867
3 Month Certificate
$0
0.15%
▼ 1.91% below national avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.91% below avg
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
201 South Commerce Street, Geneva, AL 36340
90 Day Personal Certificates of Deposit
$1,000
0.10%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1901 6th Ave N, Birmingham, AL 35203
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1901 6th Ave N, Birmingham, AL 35203
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
1700 3rd Ave N, Birmingham, AL 35203
90 Day CD
$500
0.03%
▼ 2.03% below national avg
▼
Rate0.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 2.03% below avg
Details
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
1700 3rd Ave N, Birmingham, AL 35203
90 Day Jumbo CD
$100,000
0.03%
▼ 2.03% below national avg
▼
Rate0.03%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 2.03% below avg
Details
Alabama 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Citizens Bank Enterprise, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
301 S Edwards St, Enterprise, AL 36330
6 Month CD Special
$25,000
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.43% above avg
Details
Limited-time special offer. Funds must be new money.
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
6 Month IRA Jumbo
$100,000
4.12%
▲ 1.35% above national avg
▼
Rate4.05%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.35% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
6 Month Jumbo Term Certificate
$100,000
4.12%
▲ 1.35% above national avg
▼
Rate4.05%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.35% above avg
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
6 Month IRA Certificate
$0
4.10%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.33% above avg
Details
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1290 S Donahue Dr, Auburn, AL 36832 6330
180 Day Share Certificates
$0
4.10%
▲ 1.33% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.33% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
6 Month IRA
$1,000
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.30% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
6 Month Term Certificate
$1,000
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.30% above avg
Details
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
6 month CD
$1,000
4.04%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.27% above avg
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
3003 2nd St, Rainbow City, AL 35906 5979
180 Day Share Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1290 S Donahue Dr, Auburn, AL 36832 6330
180 Day Share Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
110 S 26TH ST, GADSDEN, AL 35904 1935
6 Month Share Certificate
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Alabama One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
6 Month Certificate of Deposit Account
$0
3.96%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.19% above avg
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
351 24th St N, Birmingham, AL 35203 3836
6 Month Share Certificates (CD's)
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate - 6 Months Fixed
$0
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.10% above avg
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
6 Month Loyalty Share Certificates
$10,000
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Red Oak Credit Union
Institution Rating:
A-4.3 ★Texas Ratio: 4.84%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Regular & IRA Certificates 6 Months
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
702 Walnut St, Gadsden, AL 35901
6 Month Term Share Certificate Accounts
$1,000
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.05% above avg
Details
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1501 31st Ave N, Birmingham, AL 35207
6 Month Certificate
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
6 Month CD
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.04% above avg
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
750 Morphy Ave, Fairhope, AL 36532
6 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $500 Minimum Balance
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates - 6 Month Term
$0
3.77%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.00% above avg
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2520 6th St, Tuscaloosa, AL 35401 1702
6 Month Share & IRA Certificates
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.99% above avg
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
6 Month Business Certificates of Deposit
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
6 Months* $500 Minimum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Certificates of Deposit - 6 Months
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Alabama One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
6 Month Certificates of Deposit Accounts
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
200 E Nashville Ave, Atmore, AL 36502
6 Month Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
200 E Nashville Ave, Atmore, AL 36502
6 Month IRA
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
6 Month Jumbo Share Certificates
$100,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Azalea City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit - 6 Months
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
80 Bank St, Stevenson, AL 35772
6 Month Certificate
$500
3.68%
▲ 0.91% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.91% above avg
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
674 N Oates St, Dothan, AL 36303 4530
6 Month Share Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2020 Patton Chapel Rd, Hoover, AL 35216
6 Months Business Share Certificate/CD
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000 - $9,999
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2020 Patton Chapel Rd, Hoover, AL 35216
6 Months CD
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000 - $9,999
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
2204 Family Security Pl SW, Decatur, AL 35603
6 Month Super Jumbo Certificate
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.84% above avg
Details
Term: 6 Month Super Jumbo Certificate
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
6 Month Bonus Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: 6 Month
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
6 Month Jumbo Certificates
$250,000
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6150 Omni Park Dr, Mobile, AL 36609 5195
6 Month Term Share Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
2204 Family Security Pl SW, Decatur, AL 35603
6 Month Jumbo Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Term: 6 Month Jumbo Certificate
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
6 Months Share Certificate
$500
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
112 E Ladiga St, Piedmont, AL 36272
6 Month C.D.
$1,000
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate - 6 Months Fixed
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.78% above avg
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
6 Month Share Certificates
$500
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
200 E 6TH ST, TUSCUMBIA, AL 35674
6 Month CD
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6150 Omni Park Dr, Mobile, AL 36609 5195
6 Month Certificate
$0
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.74% above avg
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
2204 Family Security Pl SW, Decatur, AL 35603
6 Month Certificate
$0
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.74% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
4643 Highway 280, Alexander City, AL 35010
6-Month Certificate of Deposit
$500
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
4643 Highway 280, Alexander City, AL 35010
6-Month Fixed Rate CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Farmers and Merchants Bank Lafayette, AL
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2 1st St Ne, Lafayette, AL 36862
6 Month CD
$500
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Minimum deposit of $500 with a maximum of $1,000,000. 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.
Local Bank Red Level, AL
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
205 Mcfarland Cir N, Tuscaloosa, AL 35406
6 Month Certificates of Deposit Accounts
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
2700 Corporate Dr Ste 120, Hoover, AL 35242 2733
6 Months CD Special
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Alabama 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2020 Patton Chapel Rd, Hoover, AL 35216
12 Month Family Legacy Certificate Account
$0
5.00%
▲ 2.05% above national avg
▼
Rate4.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
The Family Legacy Certificate Account must be opened within two years of the date of death. Eligibility is subject to verification.
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
12 Month IRA Jumbo
$100,000
4.23%
▲ 1.28% above national avg
▼
Rate4.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.28% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
12 Month Jumbo Term Certificate
$100,000
4.23%
▲ 1.28% above national avg
▼
Rate4.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.28% above avg
Details
Alabama One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
12 Month Certificate of Deposit Account
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.25% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
12 Month IRA
$1,000
4.18%
▲ 1.23% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.23% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
12 Month Term Certificate
$1,000
4.18%
▲ 1.23% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.23% above avg
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
3003 2nd St, Rainbow City, AL 35906 5979
12 Month Share Certificate
$500
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
110 S 26TH ST, GADSDEN, AL 35904 1935
12 Month Share Certificate
$1,000
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
400 Arba St, Montgomery, AL 36104 5106
12 Month Jumbo Share Certificates (CDs)
$1,000
4.07%
▲ 1.12% above national avg
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
750 Morphy Ave, Fairhope, AL 36532
12 Month Certificate
$0
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.11% above avg
Details
Balance: $500 Minimum Balance
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
12 Month IRA Certificate
$0
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.10% above avg
Details
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
12 month CD
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
1 Year Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2302 JACK WARNER PKWY, TUSCALOOSA, AL 35401 1034
12 Month Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1509 4th Ave S, Birmingham, AL 35233 1612
12 Month Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1509 4th Ave S, Birmingham, AL 35233 1612
12 Month IRA
$0
4.00%
▲ 1.05% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
351 24th St N, Birmingham, AL 35203 3836
12 Month Share Certificates (CD's)
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Alabama One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
12 Month Certificates of Deposit Accounts
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
12 Month Bonus Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
12 Month Bonus IRA Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate - 12 Months Fixed
$0
3.92%
▲ 0.97% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.97% above avg
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3601 4th Ave S, Birmingham, AL 35222
1 Year Share Certificates
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Balance: $1,000,000.00 +
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
12 Months Share Certificate
$500
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.92% above avg
Details
Gulf Coast Federal Credit Union
Institution Rating:
B-4.0 ★Texas Ratio: 17.00%
1001 Spring Hill Ave, Mobile, AL 36604 2713
12-month Certificate of Deposit
$500
3.82%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
674 N Oates St, Dothan, AL 36303 4530
12 Month Share Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
112 E Ladiga St, Piedmont, AL 36272
1 Year C.D.
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3601 4th Ave S, Birmingham, AL 35222
1 Year Share Certificates
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $245,000.00 - $999,999.99
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
622 Azalea Rd, Mobile, AL 36609 1530
12 Month IRA Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Early Withdrawal Penalty: 3 Months Dividend
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
622 Azalea Rd, Mobile, AL 36609 1530
12 Month Jumbo Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Early Withdrawal Penalty: 3 Months Dividend
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
12 Month Jumbo Certificates
$250,000
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
Azalea City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit - 12 Months
$0
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
12 Month Certificates
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
YOUth Boost 12-Month
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: YOUth Boost 12-Month
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates - 12 Month Term- Jumbo
$0
3.77%
▲ 0.82% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.82% above avg
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
2204 Family Security Pl SW, Decatur, AL 35603
1 Year Roth Super Jumbo Certificate
$0
3.76%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.81% above avg
Details
Term: 1 YR Roth Super Jumbo Certificate
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
2204 Family Security Pl SW, Decatur, AL 35603
1 Year Super Jumbo Certificate
$0
3.76%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.81% above avg
Details
Term: 1 Year Super Jumbo Certificate
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
2204 Family Security Pl SW, Decatur, AL 35603
1 Year Traditional Super Jumbo IRA Certificate
$0
3.76%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.81% above avg
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
43243 Us Highway 72, Stevenson, AL 35772
12 Month Certificate of Deposit
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
43243 Us Highway 72, Stevenson, AL 35772
12 Month IRA
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2020 Patton Chapel Rd, Hoover, AL 35216
12 Months Business Share Certificate/CD
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $1,000 - $9,999
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2020 Patton Chapel Rd, Hoover, AL 35216
12 Months CD
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $1,000 - $9,999
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
1810 Merchants Dr, Hoover, AL 35244 1005
1 Year Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Paid: Quarterly
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
1810 Merchants Dr, Hoover, AL 35244 1005
1 Year IRA CD
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6150 Omni Park Dr, Mobile, AL 36609 5195
12 Month Term Share Certificate
$0
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.76% above avg
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
2204 Family Security Pl SW, Decatur, AL 35603
1 Year Jumbo Certificate
$0
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.76% above avg
Details
Term: 1 Year Jumbo Certificate
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
2204 Family Security Pl SW, Decatur, AL 35603
1 Year Roth Jumbo Certificate
$0
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.76% above avg
Details
Term: 1 YR Roth Jumbo Certificate
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
2204 Family Security Pl SW, Decatur, AL 35603
1 Year Traditional Jumbo IRA Certificate
$0
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.76% above avg
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2520 6th St, Tuscaloosa, AL 35401 1702
12 Month Share & IRA Certificates
$0
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.76% above avg
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
12 Month Business Certificates of Deposit
$500
3.70%
▲ 0.75% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details
12 Months* $500 Minimum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Certificates of Deposit - 12 Months
$500
3.70%
▲ 0.75% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details
Alabama 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2725 35th Ave N, Birmingham, AL 35207 2839
18 Month Share Certificates
$0
5.00%
▲ 2.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 2.18% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
18 Month IRA Jumbo
$100,000
4.28%
▲ 1.46% above national avg
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.46% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
18 Month Jumbo Term Certificate
$100,000
4.28%
▲ 1.46% above national avg
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.46% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
18 Month IRA
$1,000
4.23%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.41% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
18 Month Term Certificate
$1,000
4.23%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.41% above avg
Details
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
18 month CD
$1,000
4.08%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.26% above avg
Details
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
112 E Ladiga St, Piedmont, AL 36272
18 Month C.D.
$1,000
4.01%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.19% above avg
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1509 4th Ave S, Birmingham, AL 35233 1612
18 Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
750 17th St N, Birmingham, AL 35203
18 Month Certificates of Deposit (CDs)
$0
3.95%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.13% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate - 18 Months Fixed
$0
3.82%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.00% above avg
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1000 Interstate Park Dr, Montgomery, AL 36109
18 Month Share Certificate
$500
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details
Interest Compound Period: Quarterly
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
351 24th St N, Birmingham, AL 35203 3836
18 Month Share Certificates (CD's)
$0
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
43243 Us Highway 72, Stevenson, AL 35772
18 Month Certificate of Deposit
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.93% above avg
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1705 E 17th St, Sheffield, AL 35660 2517
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.93% above avg
Details
Azalea City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit - 18 Months
$0
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Alabama One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
18 Month Certificate of Deposit Account
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2520 6th St, Tuscaloosa, AL 35401 1702
18 Month Share & IRA Certificates
$0
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.84% above avg
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
18 Month Business Certificates of Deposit
$500
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
18 Months* $500 Minimum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Certificates of Deposit - 18 Months
$500
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
18 Months Share Certificate
$500
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.74% above avg
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
18 Month Jumbo Certificates
$250,000
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
16601 County Road 150, Courtland, AL 35618
CD Special 18 Month
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Alabama One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
18 Month Certificates of Deposit Accounts
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6150 Omni Park Dr, Mobile, AL 36609 5195
18 Month Term Share Certificate
$0
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.69% above avg
Details
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
1400 20th St S, Birmingham, AL 35205 4914
18 Month Certificate & IRA
$0
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.68% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate - 18 Months Fixed
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.67% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRA and Roth IRA Certificate 18 Months Fixed
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.67% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates - 18 Months Fixed
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.67% above avg
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6150 Omni Park Dr, Mobile, AL 36609 5195
18 Month Certificate
$0
3.46%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.64% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
18 Month IRA Plus Certificates
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.62% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
18 Month Share Certificates Plus
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.62% above avg
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
18 Month IRA Certificates
$500
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.62% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
18 Month Standard Certificate
$500
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.62% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
18 Month IRA
$500
3.40%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.58% above avg
Details
Compound Frequency: Monthly
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
18 Month Share CD
$500
3.40%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.58% above avg
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
18 Month Term Share Certificate
$500
3.40%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.58% above avg
Details
Compound Frequency: Monthly
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
3003 2nd St, Rainbow City, AL 35906 5979
18 Month Share Certificate
$500
3.35%
▲ 0.53% above national avg
▼
Rate3.31%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.53% above avg
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
425 Cox Blvd, Sheffield, AL 35660
18 Month Certificate of Deposit
$500
3.30%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.48% above avg
Details
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
60 Gene E Stewart Blvd, Sylacauga, AL 35151
18 Month CD
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.48% above avg
Details
Red Oak Credit Union
Institution Rating:
A-4.3 ★Texas Ratio: 4.84%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Regular & IRA Certificates 18 Months
$0
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.47% above avg
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
1810 Merchants Dr, Hoover, AL 35244 1005
18 Month Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.43% above avg
Details
Paid: Quarterly
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
1810 Merchants Dr, Hoover, AL 35244 1005
18 Month IRA CD
$0
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.43% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
18 Month IRA Certificates
$0
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.42% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
18 Month Share Certificates
$0
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.42% above avg
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
18 Month Loyalty Share Certificates
$10,000
3.09%
▲ 0.27% above national avg
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.27% above avg
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3150 AIRPORT BLVD, MOBILE, AL 36606
18 Month Certificate
$0
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.22% above avg
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
105 Frankfurt Cir, Birmingham, AL 35211 6978
18 month Certificate of Deposit
$1,000
3.03%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.21% above avg
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
105 Frankfurt Cir, Birmingham, AL 35211 6978
18 month IRA Certificate of Deposit
$500
3.03%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.21% above avg
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1731 Noble St, Anniston, AL 36201
18-Month Certificate
$0
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.18% above avg
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1731 Noble St, Anniston, AL 36201
18-Month IRA Certificate
$0
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.18% above avg
Details
Alabama 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
400 Arba St, Montgomery, AL 36104 5106
24 Month Jumbo Share Certificates (CDs)
$1,000
4.28%
▲ 1.44% above national avg
▼
Rate4.19%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.44% above avg
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1509 4th Ave S, Birmingham, AL 35233 1612
24 Month Certificate
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1509 4th Ave S, Birmingham, AL 35233 1612
24 Month IRA
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
3003 2nd St, Rainbow City, AL 35906 5979
24 Month Share Certificate
$500
4.20%
▲ 1.36% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
24 month IRA
$500
4.08%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.24% above avg
Details
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
112 E Ladiga St, Piedmont, AL 36272
2 Year C.D.
$1,000
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.22% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2020 Patton Chapel Rd, Hoover, AL 35216
24 Months Business Share Certificate/CD
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $1,000 - $9,999
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2020 Patton Chapel Rd, Hoover, AL 35216
24 Months CD
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $1,000 - $9,999
Neighborhood Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
22 Inverness Center Pkwy, Hoover, AL 35242
24-month certificate
$0
3.97%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.13% above avg
Details
APY = Annual Percentage Yield. Rates subject to change. Membership eligibility required.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
24 Month Bonus Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
24 Month Bonus IRA Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate - 24 Months Fixed
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.08% above avg
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
2 Year Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
24 Month IRA Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
24 Month IRA Jumbo
$100,000
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.03% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
24 Month Jumbo Term Certificate
$100,000
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.03% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
750 17th St N, Birmingham, AL 35203
24 Month Certificates of Deposit (CDs)
$0
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
24 month CD
$1,000
3.82%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
24 Month IRA
$1,000
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.98% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
24 Month Term Certificate
$1,000
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.98% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
2 Year IRA Certificates - Roth Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
2 Year IRA Certificates - Traditional Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
2 Year Roth Executive
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
750 Morphy Ave, Fairhope, AL 36532
24 Month Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: $500 Minimum Balance
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
24 Month Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: 24 Month
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificate 2 Year
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Interest Compound Period: Quarterly
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1000 Interstate Park Dr, Montgomery, AL 36109
2 Year Share Certificate
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Interest Compound Period: Quarterly
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
702 Walnut St, Gadsden, AL 35901
24 Month Term Share Certificate Accounts
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
110 S 26TH ST, GADSDEN, AL 35904 1935
24 Month Share Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
2 Year IRA Certificates - Roth Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
2 Year IRA Certificates - Traditional Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Alabama One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
24 Month Certificate of Deposit Account
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2040 Valleydale Rd, Hoover, AL 35244 2006
2 Year Share Certificate
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2040 Valleydale Rd, Hoover, AL 35244 2006
2 Year Share/IRA Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
Azalea City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit - 24 Months
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates - 24 Month Term- Jumbo
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.77% above avg
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
674 N Oates St, Dothan, AL 36303 4530
24 Month Share Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate - 24 Months Fixed
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.76% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRA and Roth IRA Certificate 24 Months Fixed
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.76% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates - 24 Months Fixed
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.76% above avg
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1705 E 17th St, Sheffield, AL 35660 2517
24 Month Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
2 Year IRA Certificates - Roth
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
2 Year IRA Certificates - Traditional
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3601 4th Ave S, Birmingham, AL 35222
2 Year Share Certificates
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $1,000,000.00 +
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
24 Months Share Certificate
$500
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.72% above avg
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
24 Month Business Certificates of Deposit
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
24 Months* $500 Minimum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Certificates of Deposit - 24 Months
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
24 Month Jumbo Certificates
$250,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
351 24th St N, Birmingham, AL 35203 3836
24 Month Share Certificates (CD's)
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates - 24 Month Term
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.67% above avg
Details
Alabama 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
400 Arba St, Montgomery, AL 36104 5106
36 Month Jumbo Share Certificates (CDs)
$1,000
4.35%
▲ 1.59% above national avg
▼
Rate4.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.59% above avg
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1509 4th Ave S, Birmingham, AL 35233 1612
36 Month Certificate
$0
4.20%
▲ 1.44% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.44% above avg
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1509 4th Ave S, Birmingham, AL 35233 1612
36 Month IRA
$0
4.20%
▲ 1.44% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.44% above avg
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
3003 2nd St, Rainbow City, AL 35906 5979
36 Month Share Certificate
$500
4.20%
▲ 1.44% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.44% above avg
Details
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
112 E Ladiga St, Piedmont, AL 36272
3 Year C.D.
$1,000
4.16%
▲ 1.40% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.40% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate - 36 Months Fixed
$0
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.26% above avg
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Certificates of Deposit - 36 Months Special
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Certificates of Deposit - 36 Months Special
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2020 Patton Chapel Rd, Hoover, AL 35216
36 Months Business Share Certificate/CD
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $1,000 - $9,999
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2020 Patton Chapel Rd, Hoover, AL 35216
36 Months CD
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $1,000 - $9,999
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
36 Month Bonus Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
36 Month Bonus IRA Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
36 Month IRA Jumbo
$100,000
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.11% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
36 Month Jumbo Term Certificate
$100,000
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.11% above avg
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
36 Month IRA Certificate
$0
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
702 Walnut St, Gadsden, AL 35901
36 Month Term Share Certificate Accounts
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
36 month CD
$1,000
3.82%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
36 Month IRA
$1,000
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.06% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
36 Month Term Certificate
$1,000
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.06% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
36 Month Certificates
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.05% above avg
Details
Balance: 36 Month
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
3 Year Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
36 Month IRA Plus Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
36 Month Share Certificates Plus
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
750 17th St N, Birmingham, AL 35203
36 Month Certificates of Deposit (CDs)
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
110 S 26TH ST, GADSDEN, AL 35904 1935
36 Month Share Certificate
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate - 36 Months Fixed
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRA and Roth IRA Certificate 36 Months Fixed
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates - 36 Months Fixed
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Year Elite Share Certificate
$10
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$10
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Year Share Certificate
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2040 Valleydale Rd, Hoover, AL 35244 2006
3 Year Share/IRA Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Alabama One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
36 Month Certificate of Deposit Account
$0
3.66%
▲ 0.90% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.90% above avg
Details
Azalea City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit - 36 Months
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Member's Choice Share Certificate - 36 Months Fixed
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.84% above avg
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
351 24th St N, Birmingham, AL 35203 3836
36 Month Share Certificates (CD's)
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
36 Month IRA
$500
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details
Compound Frequency: Monthly
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
36 Month Share CD
$500
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
36 Month Term Share Certificate
$500
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details
Compound Frequency: Monthly
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
23210 US Highway 98 Ste B1, Fairhope, AL 36532
36 Months Share Certificate
$500
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.80% above avg
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
674 N Oates St, Dothan, AL 36303 4530
36 Month Share Certificate
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
3 Year IRA Certificates - Roth Executive
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
3 Year IRA Certificates - Traditional Executive
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
36 Month IRA Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
36 Month Share Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3601 4th Ave S, Birmingham, AL 35222
3 Year Share Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $1,000,000.00 +
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificate 3 Year
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Interest Compound Period: Quarterly
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6150 Omni Park Dr, Mobile, AL 36609 5195
36 Month Term Share Certificate
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.75% above avg
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
36 Month Business Certificates of Deposit
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
36 Months* $500 Minimum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Certificates of Deposit - 36 Months
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
1400 20th St S, Birmingham, AL 35205 4914
36 Month Certificate & IRA
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Alabama 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1509 4th Ave S, Birmingham, AL 35233 1612
48 Month Certificate
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
112 E Ladiga St, Piedmont, AL 36272
4 Year C.D.
$1,000
4.22%
▲ 1.45% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.45% above avg
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
3003 2nd St, Rainbow City, AL 35906 5979
48 Month Share Certificate
$500
4.20%
▲ 1.43% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.43% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate - 48 Months Fixed
$0
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.30% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
48 Month Bonus Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
48 Month Bonus IRA Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
48 Month IRA Jumbo
$100,000
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.15% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
48 Month Jumbo Term Certificate
$100,000
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.15% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
48 Month IRA
$1,000
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.10% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
48 Month Term Certificate
$1,000
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.10% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
48 Month IRA Plus Certificates
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
48 Month Share Certificates Plus
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
48 month CD
$1,000
3.82%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
48 Month Certificates
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details
Balance: 48 Month
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
48 Month IRA Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate - 48 Months Fixed
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRA and Roth IRA Certificate 48 Months Fixed
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates - 48 Months Fixed
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
750 17th St N, Birmingham, AL 35203
48 Month Certificates of Deposit (CDs)
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
702 Walnut St, Gadsden, AL 35901
48 Month Term Share Certificate Accounts
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
110 S 26TH ST, GADSDEN, AL 35904 1935
48 Month Share Certificate
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Alabama One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
48 Month Certificate of Deposit Account
$0
3.66%
▲ 0.89% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.89% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Member's Choice Share Certificate - 48 Months Fixed
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.88% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
48 Month IRA Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
48 Month Share Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Azalea City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit - 48 Months
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
48 Month IRA
$500
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Compound Frequency: Monthly
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
48 Month Share CD
$500
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
48 Month Term Share Certificate
$500
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Compound Frequency: Monthly
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
4 Year Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificate 4 Year
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Interest Compound Period: Quarterly
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
674 N Oates St, Dothan, AL 36303 4530
48 Month Share Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
1400 20th St S, Birmingham, AL 35205 4914
48 Month Certificate & IRA
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
48 Month Business Certificates of Deposit
$500
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
48 Months* $500 Minimum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Certificates of Deposit - 48 Months
$500
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Alabama One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
48 Month Certificates of Deposit Accounts
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
48 Month Jumbo Certificates
$250,000
3.39%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.62% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Share & IRA Certificates - 48 Month Term
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
2915 Pepperell Pkwy, Opelika, AL 36801 6127
48 Month Certificate
$500
3.34%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.57% above avg
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2520 6th St, Tuscaloosa, AL 35401 1702
48 Month Share & IRA Certificates
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.53% above avg
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
750 Morphy Ave, Fairhope, AL 36532
48 Month Certificate
$0
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.52% above avg
Details
Balance: $500 Minimum Balance
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
48 Month IRA Certificates
$500
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.52% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
48 Month Standard Certificate
$500
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.52% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
105 Frankfurt Cir, Birmingham, AL 35211 6978
4 year Certificate of Deposit
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
105 Frankfurt Cir, Birmingham, AL 35211 6978
4 year IRA Certificate of Deposit
$500
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
425 Cox Blvd, Sheffield, AL 35660
48 Month Certificate of Deposit
$500
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
15660 Highway 280, Chelsea, AL 35043
48 Month Business Certificate of Deposits (CD)
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Interest Paid: Monthly
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
15660 Highway 280, Chelsea, AL 35043
48-Month CD
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Interest Paid: Monthly
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6470 Spanish Fort Blvd, Spanish Fort, AL 36527
48 Month Certificate
$1,000
3.10%
▲ 0.33% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.33% above avg
Details
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6470 Spanish Fort Blvd, Spanish Fort, AL 36527
48 Month IRA Certificate
$1,000
3.10%
▲ 0.33% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.33% above avg
Details
Alabama 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
400 Arba St, Montgomery, AL 36104 5106
60 Month Jumbo Share Certificates (CDs)
$1,000
4.47%
▲ 1.63% above national avg
▼
Rate4.37%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.63% above avg
Details
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
112 E Ladiga St, Piedmont, AL 36272
5 Year C.D.
$1,000
4.32%
▲ 1.48% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.48% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
60 Month IRA Jumbo
$100,000
4.28%
▲ 1.44% above national avg
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.44% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
60 Month Jumbo Term Certificate
$100,000
4.28%
▲ 1.44% above national avg
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.44% above avg
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1509 4th Ave S, Birmingham, AL 35233 1612
60 Month IRA
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
60 Month IRA
$1,000
4.23%
▲ 1.39% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.39% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
238 Virginia Ave, Daleville, AL 36322
60 Month Term Certificate
$1,000
4.23%
▲ 1.39% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.39% above avg
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
3003 2nd St, Rainbow City, AL 35906 5979
60 Month Share Certificate
$500
4.20%
▲ 1.36% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate - 60 Months Fixed
$0
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.29% above avg
Details
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1290 S Donahue Dr, Auburn, AL 36832 6330
54 - 60 Month IRA Share Certificates
$0
4.13%
▲ 1.29% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.29% above avg
Details
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1290 S Donahue Dr, Auburn, AL 36832 6330
54 - 60 Month Share Certificates
$0
4.13%
▲ 1.29% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.29% above avg
Details
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1290 S Donahue Dr, Auburn, AL 36832 6330
54 - 60 Month IRA Share Certificates
$0
4.03%
▲ 1.19% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.19% above avg
Details
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1290 S Donahue Dr, Auburn, AL 36832 6330
54 - 60 Month Share Certificates
$0
4.03%
▲ 1.19% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.19% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
60 Month IRA Plus Certificates
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.17% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
60 Month Share Certificates Plus
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.17% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
60 Month Bonus Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
60 Month Bonus IRA Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
60 Month Certificates
$0
3.84%
▲ 1.00% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.00% above avg
Details
Balance: 60 Month
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
4113 Eva Rd, Eva, AL 35621
60 month CD
$1,000
3.82%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate - 60 Months Fixed
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.96% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRA and Roth IRA Certificate 60 Months Fixed
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.96% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates - 60 Months Fixed
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.96% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
60 Month IRA Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
60 Month Share Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2040 Valleydale Rd, Hoover, AL 35244 2006
5 year Elite Share Certificate
$10
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$10
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2040 Valleydale Rd, Hoover, AL 35244 2006
5 Year Share Certificate
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2040 Valleydale Rd, Hoover, AL 35244 2006
5 Year Share/IRA Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
60 Month IRA Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
750 17th St N, Birmingham, AL 35203
60 Month Certificates of Deposit (CDs)
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
702 Walnut St, Gadsden, AL 35901
60 Month Term Share Certificate Accounts
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
110 S 26TH ST, GADSDEN, AL 35904 1935
60 Month Share Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
220 Wynn Dr, Huntsville, AL 35893
Member's Choice Share Certificate - 60 Months Fixed
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.86% above avg
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
60 Month IRA
$500
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Compound Frequency: Monthly
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
60 Month Share CD
$500
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
201 S Main St, Atmore, AL 36502 2447
60 Month Term Share Certificate
$500
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Compound Frequency: Monthly
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
60 Month Jumbo Certificates
$250,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
Azalea City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit - 60 Months
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details
Alabama One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
60 Month Certificate of Deposit Account
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.77% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
5 Year IRA Certificates - Roth Executive
$100,000
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
5 Year IRA Certificates - Traditional Executive
$100,000
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
60 Month IRA Certificates
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
60 Month Roth IRA Certificates
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4790 2nd St, Muscle Shoals, AL 35661 1285
60 Month Standard Certificate
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificate 5 Year
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Interest Compound Period: Quarterly
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
43243 Us Highway 72, Stevenson, AL 35772
60 Month Certificate of Deposit
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
43243 Us Highway 72, Stevenson, AL 35772
60 Month IRA
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
200 S Quintard Ave, Anniston, AL 36201
5 Year Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
5 Year IRA Certificates - Roth Premier
$10,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL 35096 5105
5 Year IRA Certificates - Traditional Premier
$10,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
1400 20th St S, Birmingham, AL 35205 4914
60 Month Certificate & IRA
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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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
2.952%
▲ 0.030 vs 7 days ago
Alabama 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD AL Avg
2.767%
▲ 0.021 vs 7 days ago
Alabama 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AL 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 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 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
791
CD Rates
Tracked in Alabama
Tracked in Alabama
19 Banks
65 Credit Unions
About Our Alabama CD Rate Database
MonitorBankRates tracks 791 CD rates from 19 banks and 65 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: Platinum Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Alabama.
How to Find the Best CD Rates in Alabama
What to compare when shopping for a CD in Alabama
To find the best APYs in Alabama, start with credit unions and online-only banks: Alabama has 65 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: 84 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Alabama savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Alabama money market rates
Alabama Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.8%
National avg: 17.3%
Median Individual Earnings
$40,605
National avg: $47,340
Poverty Rate
15.6%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$120/yr
At AL 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,060/year) and putting it in a CD would earn an additional $120 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, The Citizens Bank Enterprise, AL is offering its 6 Month CD Special at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its 60 Month Jumbo Share Certificates (CDs) at 4.47% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Alabama Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Alabama saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Alabama
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Alabama CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Alabama
Most CDs carry a fixed rate that is locked for the entire term, protecting a Alabama depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Alabama
Are CD rates in Alabama FDIC insured?
Yes, most established banks in Alabama are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Alabama?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Alabama.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Alabama may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Alabama?
Here are recent top rates found for this area:
- Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
- Birmingham City Credit Union: 5.00% APY (18 Month Share Certificates)
- Hope Federal Credit Union Jackson, MS: 4.47% APY (60 Month Jumbo Share Certificates (CDs))
- F&M Bank Piedmont, AL: 4.32% APY (5 Year C.D.)
- All In Credit Union: 4.28% APY (18 Month IRA Jumbo)
- Federal Employees Credit Union: 4.25% APY (48 Month Certificate)
- The Citizens Bank Enterprise, AL: 4.20% APY (6 Month CD Special)
- Alabama One Credit Union: 4.20% APY (12 Month Certificate of Deposit Account)
- Family Savings Credit Union: 4.20% APY (24 Month Share Certificate)
- Northeast Alabama Postal FCU: 4.15% APY (90 Day Certificate Special)
Rates reflect recent verified offers available in Alabama. Last Updated: September 21, 2026
Alabama CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Alabama rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
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 2.065% (3-month) to 2.765% (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 2.952% 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: September 21, 2026
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