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CD Rates Cullman, Alabama (AL) for April 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 6, 2026

Current Cullman, Alabama CD rates include FirstBank (TN)FirstBank (TN)315 2nd Ave Se, Cullman, AL 35055A5.0 ★Texas Ratio: 6.39% offering 6 Month CD at 3.80% APY, EvaBankEvaBank3210 Alabama Highway 157, Cullman, AL 35058A+5.0 ★Texas Ratio: 5.46% offering 12 month CD at 3.75% APY, Family Security Credit UnionFamily Security Credit Union811 2nd Ave NW, Cullman, AL 35055A+5.0 ★Texas Ratio: 1.42% offering 1 Year Jumbo Certificate at 3.35% APY, Keesler Federal Credit UnionKeesler Federal Credit UnionA+5.0 ★Texas Ratio: 4.31% offering 6 Month Share & IRA Certificate at 5.00% APY, and Alabama Central Credit UnionAlabama Central Credit UnionA+5.0 ★Texas Ratio: 0.75% offering 1 year Share Certificates at 4.35% APY. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.

Cullman has 14 local institutions in our database, with CD rates as high as 3.80% APY from FirstBank (TN) at 315 2nd Ave Se, Cullman, AL 35055. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Alabama area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 6, 2026

Compare Best CD Rates in Cullman, Alabama & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3-Month Certificate of Deposit
$500
3.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Consumer Online Banking Only

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month CD
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Share/IRA Certificates
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Month Share Certificate
$0
2.58%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
3 Month Share Certificates
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 month Certificate Account
$0
2.10%
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
3 Month CD
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
90 Day Certificate Account
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 month Certificates of Deposit & IRA
$1,000
0.05%
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
90 Day CD
$500
0.03%
View
▼
Rate0.03%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
315 2nd Ave Se, Cullman, AL 35055
6 Month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3210 Alabama Highway 157, Cullman, AL 35058
6 month CD
$1,000
3.53%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
811 2nd Ave NW, Cullman, AL 35055
6 Month Super Jumbo Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 minimum

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
6 Month Share & IRA Certificate
$0
5.00%
View
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

*Promotional rate. Subject to change. Max $50,000 per certificate.

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
IRA 6 Month
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Certificate IRA (Traditional & Roth) 6 Month
$0
3.96%
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Share Certificate 6 month special
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share & IRA Certificates 6 Month Term
$0
3.72%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6 Month CD
$0
3.68%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6-month CD
$2,500
3.65%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
6 Month Bonus Certificates
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Farmers and Merchants Bank Lafayette, AL
Institution Rating:
B4.4 ★Texas Ratio: 21.71%
6 Month CD
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
6 Month Certificate
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Compounding

Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6 Month Certificate
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
6-Month Certificate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
6 Month Share Certificate
$0
2.93%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
6 Month Share Certificates
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6 Month IRA Certificate
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month Certificate Account
$0
2.20%
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6-Month Share Certificate
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates minimum) 6 Month
$0
1.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$1,000

EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month Regular Certificate
$1,000
0.85%
View
▼
Rate0.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 6 Month
$100,000
0.60%
View
▼
Rate0.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
6 Month CD
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
6 Month Certificate
$500
0.10%
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6 month Certificates of Deposit & IRA
$1,000
0.05%
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6 Month CD
$500
0.03%
View
▼
Rate0.03%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3210 Alabama Highway 157, Cullman, AL 35058
12 month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
811 2nd Ave NW, Cullman, AL 35055
1 Year Jumbo Certificate
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$50,000 minimum

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1 year Share Certificates
$0
4.35%
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
12-month Certificate of Deposit
$0
4.07%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$500 min to open

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
IRA 12 Month
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12 Month Bonus Certificates
$0
3.89%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Certificate IRA (Traditional & Roth) 12 Month
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
12 Month Certificate
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
12-month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Limited time offer. Only available in our branches.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share & IRA Certificates 12 Month Term- Jumbo
$0
3.67%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-month CD promotion
$500
3.65%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

New money deposit only

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12 Month Certificate of Deposit
$0
3.55%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
12 Month IRA
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
12-Month Share Certificate
$100,000
3.40%
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12 Month Share Certificate
$0
3.34%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
12 Month Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificates 1 Year
$500
3.29%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
12-Month Save-Up CD
$500
3.25%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 Month Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 1-Year
$1,000
3.00%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
12 Month Certificate
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Compounding

First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
1 Year CD
$1,000
2.75%
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 Month IRA Certificate
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
IRA Certificates 12-Month
$1,000
2.50%
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
12 month Certificate Account
$0
2.35%
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
12-Month Share Certificate
$0
2.01%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12 Month IRA
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month Regular Certificate
$1,000
1.51%
View
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
1 Year CD Term
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
12 Month CD
$500
1.25%
View
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1 Year FirstStep Share & IRA Certificate
$0
1.05%
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12-Month Certificate
$0
1.00%
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 12 Month
$100,000
0.90%
View
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Share Certificate 12 month
$0
0.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
IRA 12-Month Fixed
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
12 Month Certificate
$500
0.12%
View
▼
Rate0.12%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
12 month Certificates of Deposit & IRA
$1,000
0.10%
View
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3210 Alabama Highway 157, Cullman, AL 35058
18 month CD
$1,000
3.41%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
18 Month Share Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Certificate IRA (Traditional & Roth) 18 Month
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
View
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month IRA
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
CD Special 18 Month
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
18-Month Fixed Rate CD
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
18 Month Share & IRA Certificate
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18 Month Share Certificate
$0
3.24%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
18-Month Step-Up CD
$1,000
3.20%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
18-Month Certificate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18-Month IRA CD
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month IRA Certificate
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 month Certificate Account
$0
2.40%
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
18 Month CD
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
18 Month IRA Certificate
$2,000
2.00%
View
▼
Rate1.98%
Min Deposit$2,000
Min Balance—
UpdatedApr 6, 2026
Details

First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
18 Month CD Term
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
18 Month CD
$500
1.25%
View
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 18 Month
$100,000
1.00%
View
▼
Rate0.99%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18-Month Share Certificate
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
IRA 18-Month Fixed
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 month Certificates of Deposit & IRA
$1,000
0.15%
View
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3210 Alabama Highway 157, Cullman, AL 35058
24 month CD
$1,000
3.41%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
811 2nd Ave NW, Cullman, AL 35055
2 Year Super Jumbo Certificate
$0
2.68%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 minimum

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
2 year Share Certificates
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
IRA 24 Month
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificates 2 Year
$500
3.80%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Share Certificate 24 month
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Certificate IRA (Traditional & Roth) 24 Month
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share & IRA Certificates 24 Month Term- Jumbo
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
24 Month IRA
$0
3.60%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
24 Month Certificates
$0
3.59%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
24 Month Share Certificate
$1,000
3.30%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2 Year Share/IRA Certificates
$1,000
3.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
24-Month IRA CD
$0
3.24%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24 Month Share Certificate
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
24-Month Step-Up CD
$1,000
3.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
24 Month Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
24-Month Certificate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
24 Month Certificate of Deposit
$0
2.90%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
IRA Certificates 24-Month
$1,000
2.75%
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
24 month Certificate Account
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month Certificate Account
$500
2.52%
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
First-time Homebuyer Certificate 24-month term
$500
2.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Eligible for additional deposits throughout the certificate term; Maximum balance of $15,000; Limit one certificate per membership; Closing credit of $500 towards your mortgage closing with Kinetic

First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
2 Year CD
$1,000
2.00%
View
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month Regular Certificate
$1,000
1.61%
View
▼
Rate1.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 2-Year
$1,000
1.50%
View
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
24 Month CD
$500
1.25%
View
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 24 Month
$100,000
1.05%
View
▼
Rate1.04%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Jumbo Share & IRA Certificates 2 Year
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
IRA 24-Month Fixed
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
24 Month Certificate
$1,000
0.23%
View
▼
Rate0.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
24 month Certificates of Deposit & IRA
$1,000
0.20%
View
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3210 Alabama Highway 157, Cullman, AL 35058
36 month CD
$1,000
3.41%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
811 2nd Ave NW, Cullman, AL 35055
3 Year Super Jumbo Certificate
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 minimum

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3 year Share Certificates
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
IRA 36 Month
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Share Certificate 36 month
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
36 Month Bonus Certificates
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
36 Month IRA
$0
3.70%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Certificate IRA (Traditional & Roth) 36 Month
$0
3.66%
View
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share & IRA Certificates 36 Month Term
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month IRA
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
View
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificates 3 Year
$500
3.55%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Year Elite Share Certificates
$10,000
3.35%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
36-Month CD
$500
3.20%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
36 Month Certificate of Deposit
$0
3.10%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36 Month Share Certificate
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
36 Month Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
IRA Certificates 36-Month
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
36-Month IRA CD
$0
2.88%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
36 Month Share Certificate
$1,000
2.79%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
36-Month Certificate
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 month Certificate Account
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
36 Month Certificate Account
$500
2.52%
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
3 Year CD Term
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 Month Regular Certificate
$1,000
1.66%
View
▼
Rate1.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 3-Year
$1,000
1.50%
View
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
36 Month CD
$500
1.25%
View
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
36 Month Certificate
$0
1.16%
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 36 Month
$100,000
1.15%
View
▼
Rate1.14%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Jumbo Share & IRA Certificates 3 Year
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
36 Month Certificate
$1,000
0.39%
View
▼
Rate0.39%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
3 Year CD
$1,000
0.35%
View
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
36 month Certificates of Deposit & IRA
$1,000
0.25%
View
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3210 Alabama Highway 157, Cullman, AL 35058
48 month CD
$1,000
3.41%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
811 2nd Ave NW, Cullman, AL 35055
4 Year Super Jumbo Certificate
$0
2.84%
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 minimum

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
IRA 48 Month
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
48 Month Bonus Certificates
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Share Certificate 48 month
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Certificate IRA (Traditional & Roth) 48 Month
$0
3.66%
View
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month IRA
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share & IRA Certificates 48 Month Term
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificates 4 Year
$500
3.55%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
48-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
IRA Certificates 48-Month
$1,000
3.10%
View
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48 Month Share Certificate
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$500
3.05%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
48-Month Step-Up CD
$1,000
3.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
48-Month IRA CD
$0
2.93%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
48 Month Share Certificate
$1,000
2.79%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
48 month Certificate Account
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
48 Month Certificate Account
$500
2.52%
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
4 Year CD Term
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 48 Month
$100,000
1.30%
View
▼
Rate1.29%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
48 Month Certificate
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
48 Month CD
$500
1.25%
View
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Jumbo Share & IRA Certificates 4 Year
$0
1.20%
View
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 4-Year
$1,000
1.00%
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
48 Month Certificate
$1,000
0.46%
View
▼
Rate0.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
4 Year CD
$1,000
0.45%
View
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
48 month Certificates of Deposit & IRA
$1,000
0.30%
View
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3210 Alabama Highway 157, Cullman, AL 35058
60 month CD
$1,000
3.41%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
811 2nd Ave NW, Cullman, AL 35055
5 Year Super Jumbo Certificate
$0
2.94%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 minimum

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$0
3.92%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
60 Month IRA
$0
3.80%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
60 Month Bonus Certificates
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Share Certificate 60 month
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month IRA
$500
3.70%
View
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Certificate IRA (Traditional & Roth) 60 Month
$0
3.61%
View
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificates 5 Year
$500
3.55%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
60-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
5 year Elite Share Certificates
$10,000
3.40%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month CD
$0
3.39%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
5 year Share Certificates
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
60 Month Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60-Month IRA CD
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
60-Month Step-Up CD
$1,000
3.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
60 month Certificate Account
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60 Month Share Certificate
$0
2.83%
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
60 Month Share Certificate
$1,000
2.79%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
60-Month Certificate
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
60 Month Certificate Account
$500
2.52%
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
5 Year CD Term
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 60 Month
$100,000
1.55%
View
▼
Rate1.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
60 Month Certificate
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Jumbo Share & IRA Certificates 5 Year
$0
1.45%
View
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
60 Month CD
$500
1.25%
View
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 5-Year
$1,000
1.00%
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

First National Bank and Trust AL
Institution Rating:
A-5.0 ★Texas Ratio: 14.94%
5 Year CD
$1,000
0.60%
View
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
60 Month Certificate
$1,000
0.49%
View
▼
Rate0.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

PeoplesTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
60 month Certificates of Deposit & IRA
$1,000
0.40%
View
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
12 - 60 Month CD
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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.

Cullman, AL CD Rate Trends

Compare local Cullman, AL CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Alabama CD Trends →
12-Month CD — AL Avg
3.125%
▲ 0.039 vs 7 days ago

Alabama 12-month CD rates rose 0.039 points over the past 7 days to 3.125% APY.

6-Month CD — AL Avg
3.318%
▲ 0.298 vs 7 days ago

Alabama 6-month CD rates rose 0.298 points over the past 7 days to 3.318% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Cullman, Alabama

Are CD rates in Cullman, Alabama FDIC insured?

Yes, most established banks in Cullman, 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 Cullman, 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 Cullman, 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 Cullman, 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 Cullman, Alabama?

Here are recent top rates found for this area:
  • FirstBank (TN): 3.80% APY (6 Month CD)
  • EvaBank: 3.75% APY (12 month CD)
  • Family Security Credit Union: 3.35% APY (1 Year Jumbo Certificate)
  • Keesler Federal Credit Union: 5.00% APY (6 Month Share & IRA Certificate)
  • Alabama Central Credit Union: 4.35% APY (1 year Share Certificates)
  • Northeast Alabama Postal FCU: 4.10% APY (IRA 6 Month)
  • Gulf Coast Federal Credit Union: 4.07% APY (12-month Certificate of Deposit)
  • Alabama One Credit Union: 3.96% APY (Certificate IRA (Traditional & Roth) 6 Month)
  • Winsouth Credit Union: 3.95% APY (Share Certificate 6 month special)
  • All In Credit Union: 3.92% APY (60 Month IRA Jumbo)
Rates reflect recent verified offers available in Cullman, Alabama. Last Updated: April 6, 2026

CD Calculators

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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Cullman, 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 pulling data straight 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 Cullman, 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: April 6, 2026

Cullman, Alabama Rates & Resources

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