CD Rates Madison, Alabama (AL) for April 2026

Current Madison, Alabama CD rates include EvaBankEvaBank8848 Madison Blvd, Madison, AL 35758A+5.0 ★Texas Ratio: 5.46%Real return: +0.95%APY minus CPI (February 2026) offering 12 month CD at 3.75% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union9000 Greenbrier Pkwy NW, Madison, AL 35756 4453B4.4 ★Texas Ratio: 21.76%Real return: +0.89%APY minus CPI (February 2026) offering IRA Certificate Term 18-Month Variable at 3.69% APY, United Community BankUnited Community Bank8337 Highway 72 W, Madison, AL 35758A+5.0 ★Texas Ratio: 3.01%Real return: +0.85%APY minus CPI (February 2026) offering 6-month CD at 3.65% APY, North Alabama Educators Credit UnionNorth Alabama Educators Credit Union7559 Highway 72 W Ste 114, Madison, AL 35758 8816A+5.0 ★Texas Ratio: 2.73%Real return: +0.64%APY minus CPI (February 2026) offering 6 Month Certificate at 3.44% APY, and Family Security Credit UnionFamily Security Credit Union8230 Madison Blvd, Madison, AL 35758 2002A+5.0 ★Texas Ratio: 1.42%Real return: +0.55%APY minus CPI (February 2026) offering 1 Year Super Jumbo Certificate at 3.35% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.

Madison has 38 local institutions in our database, with CD rates as high as 3.75% APY from EvaBank at 8848 Madison Blvd, Madison, AL 35758. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Alabama area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 12, 2026