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CD Rates Kennedy, Alabama (AL) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

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 12, 2026

Current Kennedy, Alabama CD rates include Keesler Federal Credit UnionKeesler Federal Credit UnionA+5.0 ★Texas Ratio: 4.31%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Share & IRA Certificate at 5.00% APY, Alabama Central Credit UnionAlabama Central Credit UnionA+5.0 ★Texas Ratio: 0.75%Real return: +1.55%APY minus CPI (February 2026) offering 1 year Share Certificates at 4.35% APY, New Horizons Credit UnionNew Horizons Credit UnionA+5.0 ★Texas Ratio: 1.08%Real return: +1.40%APY minus CPI (February 2026) offering 6-Month Certificate at 4.20% APY, Northeast Alabama Postal FCUNortheast Alabama Postal FCUA+5.0 ★Texas Ratio: 5.93%Real return: +1.30%APY minus CPI (February 2026) offering IRA 6 Month at 4.10% APY, and Gulf Coast Federal Credit UnionGulf Coast Federal Credit UnionA5.0 ★Texas Ratio: 10.79%Real return: +1.27%APY minus CPI (February 2026) offering 12-month Certificate of Deposit at 4.07% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.

Kennedy is a smaller community with no bank or credit union branches currently in our database. 238 institutions serving the Alabama area are available to Kennedy residents, with CD rates as high as 5.00% APY from Keesler Federal Credit Union. 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 12, 2026

Compare Best CD Rates in Kennedy, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3 month Certificate of Deposit
$0
0.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 12, 2026
Details

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

New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6-Month Certificate
$500
4.20%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

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 12, 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 12, 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 12, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 6 Month
$10,000
3.85%
View
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
6 Month CD
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6 Month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details

Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
6-Month Share Certificates
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6 Month CD
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
6 month CD
$1,000
3.53%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
IRA CD 6 Month
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 2026
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 Month Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
6 Month Jumbo Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$50,000 minimum

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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

$1,000

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 month Certificate of Deposit
$0
1.26%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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 12, 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 12, 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 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 12, 2026
Details

New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12-Month Certificate
$500
4.10%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Share Certificate 12 month special
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
IRA CD 1 Year
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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 12, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 12 Month
$10,000
3.60%
View
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
12 Month CD
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1 year Certificate of Deposit
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details

$100,000 Minimum to Earn APY

Farmers and Merchants Bank Lafayette, AL
Institution Rating:
B4.4 ★Texas Ratio: 21.71%
12 Month CD
$500
3.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.50%
View
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 12, 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 12, 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 12, 2026
Details

$100,000 Minimum to Earn APY

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 12, 2026
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
18 month CD
$1,000
3.41%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month IRA
$500
3.40%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
18 Month CD
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
IRA CD 18 Month
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 18 Month
$10,000
3.09%
View
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18 month Certificate of Deposit
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
IRA 18-Month Certificate
$0
2.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 24 Month
$0
3.59%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Month IRA
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

$100,000 Minimum to Earn APY

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
24 month CD
$1,000
3.41%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
24 Month CD
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
2 year Certificate of Deposit
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
IRA CD 2 Year
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 24 Month
$10,000
2.83%
View
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
IRA Certificate (24 month)
$0
2.78%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2 Year Super Jumbo Certificate
$0
2.68%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 minimum

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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 12, 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 12, 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 12, 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 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
36 month CD
$1,000
3.41%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3 year Certificate of Deposit
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 2026
Details

Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
IRA Certficate (36 month)
$0
3.04%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
IRA CD 3 Year
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 36 Month
$10,000
2.93%
View
▼
Rate2.90%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
36 Month CD
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
3 Year Super Jumbo Certificate
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 minimum

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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 12, 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 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

$100,000 Minimum to Earn APY

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
48 month CD
$1,000
3.41%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
4 year Certificate of Deposit
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
IRA CD 4 Year
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Jumbo Share Certificates 48 Month
$100,000
2.93%
View
▼
Rate2.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
4 Year Super Jumbo Certificate
$0
2.84%
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 minimum

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
48 Month CD
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 12, 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 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 2026
Details

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
5 year Share Certificates
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First Southern State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month IRA
$0
3.41%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

up to

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 12, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
5 year Certificate of Deposit
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
IRA CD 5 Year
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 60 Month
$10,000
3.19%
View
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 2026
Details

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
5 Year Super Jumbo Certificate
$0
2.94%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 minimum

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 12, 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 12, 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 12, 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 12, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
IRA 60-Month Certificate
$0
2.44%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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.

Top CD Rates from Kennedy, Alabama Institutions

Highest verified APYs available today — updated April 12, 2026

B Top 5 Bank Rates
Investar Bank National Association
3-Month Certificate of Deposit
A+ 5.0 ★ TX: 3.85%
Min: $500
3.90%
FirstBank (TN)
6 Month CD
A 5.0 ★ TX: 6.39%
Min: $0
3.80%
First Southern State Bank
6 Month CD
A+ 5.0 ★ TX: 0.51%
Min: $0
3.68%
ValleyDirect
3-Month CD
A+ 5.0 ★ TX: 3.76%
Min: $500
3.55%
EvaBank
6 month CD
A+ 5.0 ★ TX: 5.46%
Min: $1,000
3.53%
CU Top 5 Credit Union Rates
Keesler Federal Credit Union
6 Month Share & IRA Certificate
A+ 5.0 ★ TX: 4.31%
Min: $0
5.00%
Alabama Central Credit Union
1 year Share Certificates
A+ 5.0 ★ TX: 0.75%
Min: $0
4.35%
New Horizons Credit Union
6-Month Certificate
A+ 5.0 ★ TX: 1.08%
Min: $500
4.20%
Northeast Alabama Postal FCU
IRA 6 Month
A+ 5.0 ★ TX: 5.93%
Min: $0
4.10%
Gulf Coast Federal Credit Union
12-month Certificate of Deposit
A 5.0 ★ TX: 10.79%
Min: $0
4.07%
Rates verified April 12, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Kennedy, AL CD Rate Trends

Compare local Kennedy, 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
2.965%
Unchanged vs 7 days ago

Alabama 12-month CD rates currently average 2.965% APY based on data from institutions in our monitoring network.

6-Month CD — AL Avg
2.838%
Unchanged vs 7 days ago

Alabama 6-month CD rates currently average 2.838% APY based on data from institutions in our monitoring network.

As of Apr 12, 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 April 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

AL 12-Month Avg APY
2.965%
6-Month Forecast
2.965%
Range: 2.77% – 3.12%
12-Month Forecast
2.715%
Range: 2.52% – 2.87%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Alabama average 12-month CD APY in our database.

Spread model: The Alabama 12-month CD average currently trades 1.41% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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 2.182% $109.08 $218.15 $545.38 $1,090.75
6-Month CD 2.838% $141.92 $283.84 $709.60 $1,419.20
12-Month CD 2.965% $148.24 $296.48 $741.20 $1,482.40
18-Month CD 2.918% $145.89 $291.78 $729.45 $1,458.90
24-Month CD 3.010% $150.48 $300.96 $752.40 $1,504.80
36-Month CD 2.923% $146.14 $292.27 $730.68 $1,461.35
48-Month CD 2.893% $144.64 $289.27 $723.18 $1,446.35
60-Month CD 3.033% $151.67 $303.33 $758.33 $1,516.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026.

Sample CD Ladder for Kennedy, Alabama Savers

$25,000 split equally across 5 terms using today’s Alabama average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder →
Rung Term Deposit AL Avg APY Annual Earnings
1 3-Month CD $5,000 2.182% $109.08
2 6-Month CD $5,000 2.838% $141.92
3 12-Month CD $5,000 2.965% $148.24
4 24-Month CD $5,000 3.010% $150.48
5 36-Month CD $5,000 2.923% $146.14
Total ($25,000 invested) $25,000 2.783% blended $695.86/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.

53
Institutions
in Kennedy, Alabama
14 Banks 39 Credit Unions

About Our Kennedy, Alabama CD Rate Database

MonitorBankRates tracks CD rates from 14 banks and 39 credit unions with locations in Kennedy, 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: Keesler Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Kennedy, Alabama.

How to Find the Best CD Rates in Kennedy, Alabama

What to compare when shopping for a CD in Kennedy, Alabama

To find the best APYs in Kennedy, Alabama, start with credit unions and online-only banks — Kennedy, Alabama has 39 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 Kennedy, 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 Kennedy, Alabama — 53 institutions here report CD rates

Consider an Alternative If…

Alabama Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)

Population 65+
17.8%
National avg: 17.3%
Median Individual Earnings
$40,605
National avg: $47,340
Poverty Rate
15.6%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$120/yr
At AL 12-mo avg 2.965% APY

17.8% of residents are 65 or older, in line with the national average of 17.3%. At today’s AL 12-month CD average of 2.965%, saving 10% of the local median salary ($4,060/year) and putting it in a CD would earn an additional $120 annually in interest.

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

CD Rates vs. Other Savings Options in Kennedy, 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

Frequently Asked Questions about CD Rates in Kennedy, Alabama

Are CD rates in Kennedy, Alabama FDIC insured?

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

Here are recent top rates found for this area:
  • Keesler Federal Credit Union: 5.00% APY (6 Month Share & IRA Certificate)
  • Alabama Central Credit Union: 4.35% APY (1 year Share Certificates)
  • New Horizons Credit Union: 4.20% APY (6-Month Certificate)
  • Northeast Alabama Postal FCU: 4.10% APY (IRA 6 Month)
  • Gulf Coast Federal Credit Union: 4.07% APY (12-month Certificate of Deposit)
  • Winsouth Credit Union: 3.95% APY (Share Certificate 6 month special)
  • All In Credit Union: 3.92% APY (60 Month IRA Jumbo)
  • Investar Bank National Association: 3.90% APY (3-Month Certificate of Deposit)
  • Garden Island Federal Credit Union: 3.85% APY (Loyalty Share Certificates 6 Month)
  • Northrop Grumman Federal Credit Union: 3.84% APY (Bonus Certificate 12-Month)
Rates reflect recent verified offers available in Kennedy, Alabama. Last Updated: April 12, 2026

CD Calculators for Kennedy, Alabama

Kennedy, Alabama CD Calculator

At today’s AL top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Kennedy, Alabama CD Ladder

AL CD rates currently range from 2.182% (3-month) to 2.923% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Kennedy, Alabama CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Alabama’s average 12-month CD is 2.965% 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

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Kennedy, 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 Kennedy, 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 12, 2026

Kennedy, Alabama Rates & Resources

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