Huntsville, Alabama CD Rates Today - Compare Best APYs for June 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Huntsville, Alabama CD rates include UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1 Cottonvalley Dr NW, Huntsville, AL 35810 6045B4.4 ★Texas Ratio: 17.71%Real return: +1.09%APY minus CPI (February 2026) offering IRA Certificate Term 18-Month Variable at 3.89% APY, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union8200 Rideout Rd SW, Huntsville, AL 35808 1346A5.0 ★Texas Ratio: 8.11%Real return: +1.04%APY minus CPI (February 2026) offering 12 Month Bonus Certificates at 3.84% APY, Family Savings Credit UnionFamily Savings Credit Union10210 Memorial Pkwy NE, Huntsville, AL 35810 1217A5.0 ★Texas Ratio: 8.66%Real return: +0.95%APY minus CPI (February 2026) offering 60 Months* Share Certificates / IRA Certificates at 3.75% APY, North Alabama Educators Credit UnionNorth Alabama Educators Credit Union2309 Whitesburg Dr SE, Huntsville, AL 35801 3819A+5.0 ★Texas Ratio: 2.68%Real return: +0.64%APY minus CPI (February 2026) offering 6 Month Certificate at 3.44% APY, and Redstone Federal Credit UnionRedstone Federal Credit Union220 Wynn Dr, Huntsville, AL 35893A+5.0 ★Texas Ratio: 2.90%Real return: +0.59%APY minus CPI (February 2026) offering 60 Months Fixed IRA Certificates at 3.39% APY. CD rates as of June 3, 2026 according to verified data from MonitorBankRates.
Huntsville has 107 local institutions in our database, with CD rates as high as 3.89% APY from UNIFY Financial Federal Credit Union at 1 Cottonvalley Dr NW, Huntsville, AL 35810 6045. 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: June 3, 2026
Compare Best CD Rates in Huntsville, Alabama & the Surrounding Area
Huntsville 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
509 Madison St Se, Huntsville, AL 35801
90 Days
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2525 Memorial Pkwy Nw, Huntsville, AL 35810
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2525 Memorial Pkwy Nw, Huntsville, AL 35810
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Earn 3.55% APY on balances of $500 or more.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month Share/IRA Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month Share/IRA Certificates (CDs)
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 3 Months
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Month Share Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Share Certificates
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 months Share Certificates
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
3 Months Certificates of Deposit
$0
0.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Individual Retirement Account (IRA) 3 months
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
90 Day Certificate Account
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Personal Jumbo Share Certificates 90 Day
$100,000
0.20%
▼
Rate0.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
90 Days Certificate Account
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Huntsville 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
10210 Memorial Pkwy NE, Huntsville, AL 35810 1217
180 Days* Share Certificates / IRA Certificates
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
6 Month Bonus Certificates
$40,000
3.60%
▼
Rate3.55%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
6 Month Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
6 Month Certificate
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Compounding
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
6 Month Certificate
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Non-Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 6 Months Fixed
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 6 Months (Starter) Fixed
$0
2.98%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
509 Madison St Se, Huntsville, AL 35801
180 Days
$1,000
0.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2525 Memorial Pkwy Nw, Huntsville, AL 35810
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2525 Memorial Pkwy Nw, Huntsville, AL 35810
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 1 6 months
$100
4.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 1 6 months - FEATURED RATE
$100
4.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 months Share Certificates - 1
$500
4.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 months Share Certificates
$500
4.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates - 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
FEATURED RATE
The Citizens Bank Enterprise, AL
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
6-Month CD
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Limited Time Offer! Withdrawals will reduce earnings. A penalty will be imposed for early withdrawal.
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
180 Days Certificate Account
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 6 months - FEATURED RATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6 month special Share Certificate
$1,000
3.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
IRA Certificates 6 month special
$1,000
3.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificates of Deposit 6 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Share Certificates (CD's) 6 Months
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
6 Months Regular & IRA Certificates
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Loyalty Share Certificates 6 Month
$10,000
3.85%
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6 Months Share & IRA Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 6 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Certificates of Deposit - 6 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 months - FEATURED RATE Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 months Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 6 months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
FEATURED RATE
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
6 Months Certificates of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Share & IRA Certificates 6 Month Term
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
6-Months Certificate
$1,000
3.72%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
up to
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
6-Month Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
6 Months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 Month Share Certificates
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
6 Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Individual Retirement Account (IRA) 6 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
Certificates of Deposit Regular 6 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
6 Month Special Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Month Share/IRA Certificates (CDs)
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Month Share/IRA Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Huntsville 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
12 Month Bonus Certificates
$40,000
3.84%
▼
Rate3.78%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
12 Month Certificates
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
IRA Certificates 12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
YOUth Boost 12-Month Certificates
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
12-Month Share Certificate
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
10210 Memorial Pkwy NE, Huntsville, AL 35810 1217
12 Months* Share Certificates / IRA Certificates
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3301 Memorial Pkwy SW, Huntsville, AL 35801 5314
12-Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3301 Memorial Pkwy SW, Huntsville, AL 35801 5314
Business Certificate of Deposits (CD)1 12 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 12 Months Fixed
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 12 Months Fixed
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
12 Months Fixed IRA Certificates
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
12 Month Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Compounding
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
12 Month Certificate
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Non-Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 12 Months (No-Penalty) Fixed
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2525 Memorial Pkwy Nw, Huntsville, AL 35810
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2525 Memorial Pkwy Nw, Huntsville, AL 35810
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
509 Madison St Se, Huntsville, AL 35801
1 Year
$1,000
0.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12 months Share Certificates
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12 months Share Certificates - 1
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates - 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 1 12 months
$100
4.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
12 Months Certificate Account
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
12-month Certificate of Deposit
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Up to; min to open
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1 year Share Certificates
$1,000,000
3.90%
▼
Rate3.83%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
12-Month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1 year Share Certificates
$245,000
3.80%
▼
Rate3.73%
Min Deposit$245,000
Min Balance—
UpdatedMay 23, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificates of Deposit 12 Months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
12 month special Share Certificate
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
IRA Certificates 12 month special
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Share Certificates (CD's) 12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Share & IRA Certificates 12 months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Individual Retirement Account (IRA) 12 months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 12 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Certificates of Deposit - 12 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12 Months Share & IRA Certificates
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 12 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months Certificates of Deposit
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1 year Share Certificates
$100,000
3.70%
▼
Rate3.64%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificates 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Roth IRA Certificates 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 12 Months
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Huntsville 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
10210 Memorial Pkwy NE, Huntsville, AL 35810 1217
18 Months* Share Certificates / IRA Certificates
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
18 Months Fixed IRA Certificates
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 18 Months Fixed
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 18 Months Fixed
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
18-Month IRA CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
18 Month Certificate
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Compounding
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
18 Month Certificate
$0
2.65%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Non-Compounding
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
18 months Share Certificates
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificates of Deposit 18 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Share Certificates (CD's) 18 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18 Months Share & IRA Certificates
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 18 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Certificates of Deposit - 18 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
Certificates of Deposit Regular 18 Months
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
18 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
CD Special 18 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 18 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Certificates of Deposit (CDs) 18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificates 18 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Share CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Term Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 months Certificates of Deposit
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
Share Certificate 18 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
18 Months Regular & IRA Certificates
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
18 Month Share Certificate
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 18 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Individual Retirement Account (IRA) 18 months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Loyalty Share Certificates 18 Month
$10,000
3.09%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18 months Share Certificates
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18 months Share Certificates - 1
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates - 1 18 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
18-Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
18-Month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18 Month Share Certificates
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Month Certificate Account
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 Month C.D.
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
18 Months Certificates of Deposit
$0
1.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
IRA Certificates 18 Month
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
IRA Certificates 18 Month
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Huntsville 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
24 Month Bonus Certificates
$40,000
3.75%
▼
Rate3.69%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
10210 Memorial Pkwy NE, Huntsville, AL 35810 1217
24 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3301 Memorial Pkwy SW, Huntsville, AL 35801 5314
24-Month CD
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3301 Memorial Pkwy SW, Huntsville, AL 35801 5314
Business Certificate of Deposits (CD)1 24 Months
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
24-Month IRA CD
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 24 Months Fixed
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
24 Months Fixed IRA Certificates
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 24 Months Fixed
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
24 Month Certificate
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Compounding
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
24 Month Certificate
$0
2.70%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Non-Compounding
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
509 Madison St Se, Huntsville, AL 35801
2 Years
$1,000
0.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
24 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Business Share Certificates 2 Year
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
24 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
IRA Certificates 24 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2 Year Share Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificates of Deposit 24 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
2 year Share Certificates
$1,000,000
3.60%
▼
Rate3.54%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 23, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
Certificates of Deposit Regular 24 Months
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
24 Month IRA
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Certificates of Deposit - 24 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Share & IRA Certificates 24 Month Term
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
24 Months Share & IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 24 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Share Certificates (CD's) 24 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24 Month Term Share Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24 Month Share CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24 Month IRA
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2 Year Share/IRA Certificates (CDs)
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
24 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
2 year Share Certificates
$245,000
3.50%
▼
Rate3.44%
Min Deposit$245,000
Min Balance—
UpdatedMay 23, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
2 Year Share/IRA Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
24 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 24 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificates 24 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
2 year Share Certificates
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
24 months Certificates of Deposit
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
2 year Share Certificates
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Individual Retirement Account (IRA) 24 months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.24%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Huntsville 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
10210 Memorial Pkwy NE, Huntsville, AL 35810 1217
36 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
36 Month Bonus Certificates
$40,000
3.71%
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
IRA Certificates 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
36-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 36-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
36 Months Fixed IRA Certificates
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 36 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 36 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3301 Memorial Pkwy SW, Huntsville, AL 35801 5314
36-Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3301 Memorial Pkwy SW, Huntsville, AL 35801 5314
Business Certificate of Deposits (CD)1 36 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Member's Choice Share Certificate 36 Months Fixed
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
36-Month IRA CD
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
36 Month Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Compounding
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
36 Month Certificate
$0
2.80%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Non-Compounding
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
509 Madison St Se, Huntsville, AL 35801
3 Years
$1,000
0.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
36 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
IRA Certificates 36 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
Certificates of Deposit Regular 36 Months
$500
3.70%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Share & IRA Certificates 36 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificates of Deposit 36 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 Month Share CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 Month Term Share Certificate
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Executive
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3 year Share Certificates
$1,000,000
3.55%
▼
Rate3.49%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 23, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Business Share Certificates 3 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Year Share/IRA Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Year Share/IRA Certificates (CDs)
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
36 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Year Elite Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 36 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Certificates of Deposit - 36 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3 year Share Certificates
$245,000
3.45%
▼
Rate3.40%
Min Deposit$245,000
Min Balance—
UpdatedMay 23, 2026
Details
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Share Certificates (CD's) 36 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.29%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3 year Share Certificates
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Months Share & IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
Share Certificate 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Roth IRA Certificates 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificates 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 Months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
36 months Share Certificates
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Huntsville 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
10210 Memorial Pkwy NE, Huntsville, AL 35810 1217
48 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 48 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 48 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
48 Months Fixed IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3301 Memorial Pkwy SW, Huntsville, AL 35801 5314
48-Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3301 Memorial Pkwy SW, Huntsville, AL 35801 5314
Business Certificate of Deposits (CD)1 48 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Member's Choice Share Certificate 48 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
48-Month IRA CD
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
509 Madison St Se, Huntsville, AL 35801
4 Years
$1,000
0.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
Certificates of Deposit Regular 48 Months
$500
3.80%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
48 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
IRA Certificates 48 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificates of Deposit 48 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month Share CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month Term Share Certificate
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Share & IRA Certificates 48 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Business Share Certificates 4 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 48 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Certificates of Deposit - 48 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 Months Share & IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
48 Months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificates 48 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
48 months Certificates of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Certificates of Deposit (CDs) 48 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates - 1 48 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Individual Retirement Account (IRA) 48 months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 months Share Certificates - 1
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 months Share Certificates
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
48 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 48 Months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Loyalty Share Certificates 48 Month
$10,000
3.09%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Earn 3.05% APY on balances of $500 or more.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
48 months Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
4 Year Super Jumbo Certificate
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 minimum
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month Share Certificates
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Huntsville 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
60 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
10210 Memorial Pkwy NE, Huntsville, AL 35810 1217
60 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
8200 Rideout Rd SW, Huntsville, AL 35808 1346
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
60-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
60 Months Fixed IRA Certificates
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Share Certificate 60 Months Fixed
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Traditional IRAs and Roth IRA Certificates 60 Months Fixed
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL 35893
Member's Choice Share Certificate 60 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3301 Memorial Pkwy SW, Huntsville, AL 35801 5314
60-Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3301 Memorial Pkwy SW, Huntsville, AL 35801 5314
Business Certificate of Deposits (CD)1 60 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
60-Month IRA CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
509 Madison St Se, Huntsville, AL 35801
5 Years
$1,000
0.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
60 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
IRA Certificates 60 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month Term Share Certificate
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month Share CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Share and IRA Certificates of Deposit 60 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Executive
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Roth IRA Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Business Share Certificates 5 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 60 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5 Year Share/IRA Certificates (CDs)
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5 Year Share/IRA Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5 year Elite Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
60 months Share Certificates - 1
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates - 1 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
60 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Individual Retirement Account (IRA) 60 months
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
60 months Certificates of Deposit
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month IRA
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
up to
First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 60 Months
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
5 year Share Certificates
$1,000,000
3.40%
▼
Rate3.35%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Certificates of Deposit - 60 Months
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
up to
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
5 year Share Certificates
$245,000
3.30%
▼
Rate3.25%
Min Deposit$245,000
Min Balance—
UpdatedMay 23, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Months Share & IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share & IRA Certificates 60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
60 Months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
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MonitorBankRates
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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Huntsville, AL CD Rate Trends
Compare local Huntsville, 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.
12-Month CD — AL Avg
3.052%
▼ 0.010 vs 7 days ago
Alabama 12-month CD rates fell 0.010 points over the past 7 days to 3.052% APY.
6-Month CD — AL Avg
3.056%
▲ 0.032 vs 7 days ago
Alabama 6-month CD rates rose 0.032 points over the past 7 days to 3.056% APY.
As of Jun 3, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AL 12-Month Avg APY
3.052%
6-Month Forecast
3.052%
Range: 2.85% – 3.20%
12-Month Forecast
2.802%
Range: 2.60% – 2.95%
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 | 2.345% | $117.24 | $234.47 | $586.18 | $1,172.35 |
| 6-Month CD | 3.056% | $152.79 | $305.57 | $763.93 | $1,527.85 |
| 12-Month CD | 3.052% | $152.58 | $305.16 | $762.90 | $1,525.80 |
| 18-Month CD | 2.966% | $148.30 | $296.59 | $741.48 | $1,482.95 |
| 24-Month CD | 2.994% | $149.72 | $299.44 | $748.60 | $1,497.20 |
| 36-Month CD | 2.909% | $145.43 | $290.86 | $727.15 | $1,454.30 |
| 48-Month CD | 2.901% | $145.05 | $290.10 | $725.25 | $1,450.50 |
| 60-Month CD | 3.023% | $151.15 | $302.29 | $755.73 | $1,511.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 3, 2026. | |||||
Sample CD Ladder for Huntsville, 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 | 2.345% | $117.24 |
| 2 | 6-Month CD | $5,000 | 3.056% | $152.79 |
| 3 | 12-Month CD | $5,000 | 3.052% | $152.58 |
| 4 | 24-Month CD | $5,000 | 2.994% | $149.72 |
| 5 | 36-Month CD | $5,000 | 2.909% | $145.43 |
| Total ($25,000 invested) | $25,000 | 2.871% blended | $717.76/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.
504
CD Rates
Tracked in Huntsville, Alabama
Tracked in Huntsville, Alabama
14 Banks
50 Credit Unions
About Our Huntsville, Alabama CD Rate Database
MonitorBankRates tracks 504 CD rates from 14 banks and 50 credit unions with locations in Huntsville, 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: UNIFY Financial Federal Credit Union offers a CD at 3.89% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Huntsville, Alabama.
How to Find the Best CD Rates in Huntsville, Alabama
What to compare when shopping for a CD in Huntsville, Alabama
To find the best APYs in Huntsville, Alabama, start with credit unions and online-only banks — Huntsville, Alabama has 50 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 Huntsville, 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 Huntsville, Alabama — 64 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Huntsville, Alabama savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Huntsville, Alabama money market rates
Huntsville, Alabama Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
16.4%
National avg: 17.3%
Median Individual Earnings
$41,460
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$127/yr
At AL 12-mo avg 3.052% APY
16.4% of residents are 65 or older — below the national average of 17.3%. At today’s AL 12-month CD average of 3.052%, saving 10% of the local median salary ($4,146/year) and putting it in a CD would earn an additional $127 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 Huntsville, 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 Huntsville, 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 Huntsville, 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 Huntsville, Alabama as everywhere in the U.S.
Choosing a CD Term in Huntsville, 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 Huntsville, Alabama savers easier access to their funds. For example, Family Savings Credit Union is offering its 180 Days* Share Certificates / IRA Certificates at 3.70% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Northrop Grumman Federal Credit Union is offering its 60 Month Bonus Certificates at 3.76% 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 Huntsville, 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 Huntsville, 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 Huntsville, 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 Huntsville, 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 Huntsville, Alabama
Most CDs carry a fixed rate that is locked for the entire term, protecting a Huntsville, 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 Huntsville, Alabama
Are CD rates in Huntsville, Alabama FDIC insured?
Yes, most established banks in Huntsville, 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 Huntsville, 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 Huntsville, 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 Huntsville, 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 Huntsville, Alabama?
Here are recent top rates found for this area:
- UNIFY Financial Federal Credit Union: 3.89% APY (IRA Certificate Term 18-Month Variable)
- Northrop Grumman Federal Credit Union: 3.84% APY (Bonus IRA Certificates 12 Month)
- Family Savings Credit Union: 3.75% APY (60 Months* Share Certificates / IRA Certificates)
- North Alabama Educators Credit Union: 3.44% APY (6 Month Certificate)
- Redstone Federal Credit Union: 3.39% APY (60 Months Fixed IRA Certificates)
- Avadian Credit Union: 3.35% APY (Business Certificate of Deposits (CD)1 24 Months)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- BankPlus: 0.55% APY (5 Years)
- Birmingham City Credit Union: 5.00% APY (18 months Share Certificates)
- Service 1 Federal Credit Union: 4.75% APY (6 months Share Certificates)
Rates reflect recent verified offers available in Huntsville, Alabama. Last Updated: June 3, 2026
CD Calculators for Huntsville, Alabama
Huntsville, Alabama CD Calculator
At today’s AL top rate of 3.89% APY, a $10,000 deposit earns $389 in the first year. Enter your amount to see your exact return.
Huntsville, Alabama CD LadderAL CD rates currently range from 2.345% (3-month) to 2.909% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Huntsville, Alabama CD at 3.89% 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 3.052% 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 Huntsville, 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 Huntsville, 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 Huntsville, 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: June 3, 2026
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