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CD Rate Trends

Madison, Alabama Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Madison, Alabama CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Madison, Alabama CD rates include First National Bank of PulaskiFirst National Bank of Pulaski503 Town Madison Blvd, Madison, AL 35758A+5.0 ★Texas Ratio: 2.25%Real return: +1.45%APY minus CPI (February 2026) offering 36 Month Certificate of Deposit at 4.25% APY, Redstone Federal Credit UnionRedstone Federal Credit Union4005 Lawson Ridge Dr, Madison, AL 35757A+5.0 ★Texas Ratio: 2.10%Real return: +1.43%APY minus CPI (February 2026) offering Jumbo Certificate - 60 Months Fixed at 4.23% APY, EvaBankEvaBank8848 Madison Blvd, Madison, AL 35758A5.0 ★Texas Ratio: 6.16%Real return: +1.28%APY minus CPI (February 2026) offering 18 month CD at 4.08% APY, Family Security Credit UnionFamily Security Credit Union8230 Madison Blvd, Madison, AL 35758 2002A+5.0 ★Texas Ratio: 1.16%Real return: +0.96%APY minus CPI (February 2026) offering 1 Year Roth Super Jumbo Certificate at 3.76% APY, and North Alabama Educators Credit UnionNorth Alabama Educators Credit Union7559 Highway 72 W Ste 114, Madison, AL 35758 8816A+5.0 ★Texas Ratio: 3.45%Real return: +0.85%APY minus CPI (February 2026) offering 24-Month IRA CD at 3.65% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Madison has 171 local institutions in our database, with CD rates as high as 4.25% APY from First National Bank of Pulaski at 503 Town 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, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026

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

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Madison 3 Month CD Rates

Alabama 3 Month CD Average2.08% APYNational 2.09%▼ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
8848 Madison Blvd, Madison, AL 35758
Eva Liquid CD - Renews every 3 months
$500
3.55% ▲ 1.47% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.08%▲ 1.47% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
53 Hughes Rd, Madison, AL 35758
3 Month Certificate
$0
2.94% ▲ 0.86% above Alabama avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▲ 0.86% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
3 Month Three-Month CD
$1,000
2.85% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 0.77% above avgNationally 2.09%
Details

Interest Paid: At Maturity

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
8650 Madison Blvd, Madison, AL 35758
3 Month CD
$500
2.00% ▼ 0.08% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▼ 0.08% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9044 Madison Blvd, Madison, AL 35758
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.02% below Alabama avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▼ 2.02% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9044 Madison Blvd, Madison, AL 35758
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.02% below Alabama avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▼ 2.02% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9044 Madison Blvd, Madison, AL 35758
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.03% below Alabama avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▼ 2.03% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
3 Month Certificate of Deposit
$0
0.03% ▼ 2.05% below Alabama avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▼ 2.05% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
3 Month Certificate of Deposit
$0
0.02% ▼ 2.06% below Alabama avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▼ 2.06% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
3 Month Certificate of Deposit
$0
0.01% ▼ 2.07% below Alabama avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▼ 2.07% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
90 Day Share Certificates - Jumbo Rate
$100,000
4.51% ▲ 2.43% above Alabama avg
View
▼
Rate4.51%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 2.43% above avgNationally 2.09%
Details

$100,000+; Compound Period: Maturity

Rate History
No change since Oct 14, 2026 · 4.51% APY
4.01%4.51%5.01%Oct 14, 2026: 4.51% APYOct 14, 2026Oct 14, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
90 Day Share Certificates
$2,500
4.41% ▲ 2.33% above Alabama avg
View
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 2.33% above avgNationally 2.09%
Details

Compound Period: Maturity

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.41% ▲ 0.41 pts · high 4.41% / low 4.00%
3.50%4.21%4.91%Sep 18, 2026: 4.00% APYOct 14, 2026: 4.41% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.41%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.71% ▲ 1.63% above Alabama avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 1.63% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 8 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 3 Month Jumbo
$100,000
3.71% ▲ 1.63% above Alabama avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 1.63% above avgNationally 2.09%
Details

Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Oct 14, 2026 · 3.71% APY
3.21%3.71%4.21%Oct 14, 2026: 3.71% APYOct 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66% ▲ 1.58% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 1.58% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 3 Month
$1,000
3.66% ▲ 1.58% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 1.58% above avgNationally 2.09%
Details

Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.47% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▲ 1.47% above avgNationally 2.09%
Details

Earn 3.55% APY on balances of $500 or more.

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Month Share/IRA Certificate (CD)
$1,000
3.30% ▲ 1.22% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.08%▲ 1.22% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
90 Days CD
$0
3.25% ▲ 1.17% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.08%▲ 1.17% above avgNationally 2.09%
Details

Paid: At Maturity

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Share Certificates - 3 Month
$0
2.52% ▲ 0.44% above Alabama avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▲ 0.44% above avgNationally 2.09%
Details

Interest Compound Period: Quarterly

Rate History
2 changes since Sep 14, 2026 · 2.52% → 2.52% ▼ 0.00 pts · high 2.52% / low 2.52%
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 18, 2026: 2.52% APYSep 22, 2026: 2.52% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20262.52%▼ from 2.52%
  • Sep 18, 20262.52%▼ from 2.52%
  • Sep 14, 20262.52%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month IRA Plus Certificates
$0
2.47% ▲ 0.39% above Alabama avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▲ 0.39% above avgNationally 2.09%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 14, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates Plus
$0
2.47% ▲ 0.39% above Alabama avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▲ 0.39% above avgNationally 2.09%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 14, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates
$0
2.27% ▲ 0.19% above Alabama avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▲ 0.19% above avgNationally 2.09%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 14, 2026
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Certificate Account - 3 month
$0
2.10% ▲ 0.02% above Alabama avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▲ 0.02% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 14, 2026
Exchange Bank of Alabama
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3 Month Certificate
$0
2.00% ▼ 0.08% below Alabama avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▼ 0.08% below avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 7, 2026: 2.00% APYSep 7, 2026Oct 14, 2026
Jefferson Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
3 Month Prosperity Certificate of Deposit
$5,000
2.00% ▼ 0.08% below Alabama avg
View
▼
Rate1.98%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▼ 0.08% below avgNationally 2.09%
Details

Dividend Payment Frequency: Monthly; Dividends cap at $999,999.99

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.53% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 0.53% below avgNationally 2.09%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50% ▼ 0.58% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 0.58% below avgNationally 2.09%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 14, 2026
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
3 Month Share Certificate
$500
1.00% ▼ 1.08% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▼ 1.08% below avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 9, 2026: 1.00% APYOct 9, 2026Oct 14, 2026
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Certificate of Deposit - 3 Months
$0
0.75% ▼ 1.33% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▼ 1.33% below avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 9, 2026: 0.75% APYOct 9, 2026Oct 14, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3 Month Standard CD
$0
0.55% ▼ 1.53% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▼ 1.53% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 19, 2026: 0.55% APYSep 19, 2026Oct 14, 2026
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Certificate of Deposit - 3 month
$1,000
0.51% ▼ 1.57% below Alabama avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▼ 1.57% below avgNationally 2.09%
Details

Certificates of Deposit and IRAs; Rates as of February 23, 2026

Rate History
No change since Oct 13, 2026 · 0.51% APY
0.01%0.51%1.01%Oct 13, 2026: 0.51% APYOct 13, 2026Oct 14, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
90 Day C.D.
$1,000
0.50% ▼ 1.58% below Alabama avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average2.08%▼ 1.58% below avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
Tuskegee Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 54.93%
3 Month CD
$0
0.25% ▼ 1.83% below Alabama avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.08%▼ 1.83% below avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 14, 2026
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Certificate Accounts - 90 Day
$500
0.20% ▼ 1.88% below Alabama avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 1.88% below avgNationally 2.09%
Details

Dividend Frequency: At Maturity

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 14, 2026
Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Jumbo Share Certificates - 90 Day
$100,000
0.20% ▼ 1.88% below Alabama avg
View
▼
Rate0.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.08%▼ 1.88% below avgNationally 2.09%
Details

Dividend Frequency: At Maturity

Rate History
No change since Oct 10, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 10, 2026: 0.20% APYOct 10, 2026Oct 14, 2026
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Standard Certificate - 3 Month
$0
0.15% ▼ 1.93% below Alabama avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.08%▼ 1.93% below avgNationally 2.09%
Details

Monthly & Quarterly Certificates; Additional deposits allowed; Prime Club members receive 0.15% bonus dividend rate

Rate History
No change since Oct 13, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 13, 2026: 0.15% APYOct 13, 2026Oct 14, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
90 Day Personal Certificates of Deposit
$1,000
0.10% ▼ 1.98% below Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.08%▼ 1.98% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 14, 2026
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
90 Day Certificate Account
$0
0.10% ▼ 1.98% below Alabama avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.08%▼ 1.98% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 14, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day CD
$500
0.03% ▼ 2.05% below Alabama avg
View
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.08%▼ 2.05% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 14, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day Jumbo CD
$100,000
0.03% ▼ 2.05% below Alabama avg
View
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.08%▼ 2.05% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 14, 2026

Madison 6 Month CD Rates

Alabama 6 Month CD Average3.19% APYNational 2.77%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
8848 Madison Blvd, Madison, AL 35758
6 month CD
$1,000
4.04% ▲ 0.85% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.85% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 6 times
3.54%4.04%4.54%Sep 14, 2026: 4.04% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 6 Months Fixed
$100,000
3.97% ▲ 0.78% above Alabama avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.78% above avgNationally 2.77%
Details

Compounding: dividend rate 3.90%, APY compounding 3.97%

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYSep 18, 2026: 3.87% APYOct 4, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.97%▲ from 3.87%
  • Sep 18, 20263.87%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 6 Months Fixed
$100,000
3.90% ▲ 0.71% above Alabama avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.71% above avgNationally 2.77%
Details

Non-Compounding: dividend rate 3.90%, APY non-compounding 3.90%

Rate History
3 changes since Sep 14, 2026 · 3.76% → 3.90% ▲ 0.14 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYSep 18, 2026: 3.87% APYOct 4, 2026: 3.97% APYOct 12, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.90%▼ from 3.97%
  • Oct 4, 20263.97%▲ from 3.87%
  • Sep 18, 20263.87%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 6 Months Fixed
$1,000
3.65% ▲ 0.46% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.46% above avgNationally 2.77%
Details

Compounding: dividend rate 3.60%, APY compounding 3.65%

Rate History
2 changes since Sep 14, 2026 · 3.44% → 3.65% ▲ 0.21 pts · high 3.65% / low 3.44%
2.94%3.55%4.15%Sep 14, 2026: 3.44% APYSep 18, 2026: 3.55% APYOct 4, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.65%▲ from 3.55%
  • Sep 18, 20263.55%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
6 Month Certificate
$0
3.65% ▲ 0.46% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.46% above avgNationally 2.77%
Details

Non-Compounding: 3.60%*, Compounding: 3.60%

Rate History
3 changes since Sep 14, 2026 · 3.44% → 3.65% ▲ 0.21 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 14, 2026: 3.44% APYSep 18, 2026: 3.40% APYSep 21, 2026: 3.44% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.65%▲ from 3.44%
  • Sep 21, 20263.44%▲ from 3.40%
  • Sep 18, 20263.40%▼ from 3.44%
  • Sep 14, 20263.44%first recorded
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
6 Month Super Jumbo Certificate
$100,000
3.61% ▲ 0.42% above Alabama avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.42% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.61% APY · checked 4 times
3.11%3.61%4.11%Sep 18, 2026: 3.61% APYSep 18, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 6 Months Fixed
$1,000
3.60% ▲ 0.41% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.41% above avgNationally 2.77%
Details

Non-Compounding: dividend rate 3.60%, APY non-compounding 3.60%

Rate History
3 changes since Sep 14, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.65% / low 3.44%
2.94%3.55%4.15%Sep 14, 2026: 3.44% APYSep 18, 2026: 3.55% APYOct 4, 2026: 3.65% APYOct 12, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.60%▼ from 3.65%
  • Oct 4, 20263.65%▲ from 3.55%
  • Sep 18, 20263.55%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
6 Month Jumbo Certificate
$50,000
3.56% ▲ 0.37% above Alabama avg
View
▼
Rate3.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.37% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
6 Month Certificate
$1,000
3.51% ▲ 0.32% above Alabama avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.32% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 4 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Special Offers - 6 Months (Starter) Fixed
$0
3.44% ▲ 0.25% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.25% above avgNationally 2.77%
Details

Compounding: dividend rate 3.40%, APY compounding 3.44%

Rate History
2 changes since Sep 14, 2026 · 3.24% → 3.44% ▲ 0.20 pts · high 3.44% / low 3.24%
2.74%3.34%3.94%Sep 14, 2026: 3.24% APYSep 18, 2026: 3.34% APYOct 4, 2026: 3.44% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.44%▲ from 3.34%
  • Sep 18, 20263.34%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Special Offers - 6 Months (Starter) Fixed
$0
3.40% ▲ 0.21% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.21% above avgNationally 2.77%
Details

Non-Compounding: dividend rate 3.40%, APY non-compounding 3.40%

Rate History
3 changes since Sep 14, 2026 · 3.24% → 3.40% ▲ 0.16 pts · high 3.44% / low 3.24%
2.74%3.34%3.94%Sep 14, 2026: 3.24% APYSep 18, 2026: 3.34% APYOct 4, 2026: 3.44% APYOct 12, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.40%▼ from 3.44%
  • Oct 4, 20263.44%▲ from 3.34%
  • Sep 18, 20263.34%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
53 Hughes Rd, Madison, AL 35758
6 Month Certificate
$0
3.20% ▲ 0.01% above Alabama avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▲ 0.01% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
6 Month Six-Month CD
$1,000
3.00% ▼ 0.19% below Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▼ 0.19% below avgNationally 2.77%
Details

Interest Paid: At Maturity

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
8650 Madison Blvd, Madison, AL 35758
6 Month CD
$500
2.25% ▼ 0.94% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▼ 0.94% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9044 Madison Blvd, Madison, AL 35758
6 month Standard Fixed Rate
$2,500
0.06% ▼ 3.13% below Alabama avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▼ 3.13% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9044 Madison Blvd, Madison, AL 35758
6 month Standard Interest Rate
$2,500
0.06% ▼ 3.13% below Alabama avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▼ 3.13% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9044 Madison Blvd, Madison, AL 35758
6 month Standard Fixed Rate
$2,500
0.05% ▼ 3.14% below Alabama avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▼ 3.14% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
6 Month Certificate of Deposit
$0
0.03% ▼ 3.16% below Alabama avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▼ 3.16% below avgNationally 2.77%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
6 Month Certificate of Deposit
$0
0.02% ▼ 3.17% below Alabama avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▼ 3.17% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
6 Month Certificate of Deposit
$0
0.01% ▼ 3.18% below Alabama avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▼ 3.18% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Share Certificates
$0
4.75% ▲ 1.56% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.56% above avgNationally 2.77%
Details

FEATURED RATE

Rate History
1 change since Sep 30, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
2.75%4.25%5.75%Sep 30, 2026: 3.75% APYOct 14, 2026: 4.75% APYSep 30, 2026Oct 14, 2026
  • Oct 14, 20264.75%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.75% ▲ 1.56% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.56% above avgNationally 2.77%
Details

Featured rate

Rate History
No change since Sep 30, 2026 · 4.75% APY · checked 5 times
4.25%4.75%5.25%Sep 30, 2026: 4.75% APYSep 30, 2026Oct 14, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
180 Day Share Certificates - Jumbo Rate
$100,000
4.56% ▲ 1.37% above Alabama avg
View
▼
Rate4.56%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.37% above avgNationally 2.77%
Details

$100,000+; Compound Period: Maturity

Rate History
No change since Oct 14, 2026 · 4.56% APY
4.06%4.56%5.06%Oct 14, 2026: 4.56% APYOct 14, 2026Oct 14, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
180 Day Share Certificates
$2,500
4.46% ▲ 1.27% above Alabama avg
View
▼
Rate4.46%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.27% above avgNationally 2.77%
Details

Compound Period: Maturity

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.46% ▲ 0.36 pts · high 4.46% / low 4.10%
3.60%4.28%4.96%Sep 18, 2026: 4.10% APYOct 14, 2026: 4.46% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.46%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 6 Month
$1,000
4.36% ▲ 1.17% above Alabama avg
View
▼
Rate4.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 1.17% above avgNationally 2.77%
Details

IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity

Rate History
No change since Oct 10, 2026 · 4.36% APY · checked 2 times
3.86%4.36%4.86%Oct 10, 2026: 4.36% APYOct 10, 2026Oct 14, 2026
The Citizens Bank Enterprise, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
6 Month CD Special
$25,000
4.20% ▲ 1.01% above Alabama avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.19%▲ 1.01% above avgNationally 2.77%
Details

Limited-time special offer. Funds must be new money.

Rate History
No change since Sep 19, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 19, 2026: 4.20% APYSep 19, 2026Oct 14, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 6 Month
$0
4.15% ▲ 0.96% above Alabama avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.96% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.15% ▲ 0.19 pts · high 4.15% / low 3.96%
3.46%4.06%4.65%Sep 14, 2026: 3.96% APYSep 27, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.15%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$100,000
4.12% ▲ 0.93% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.93% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 8 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 6 Month Jumbo
$100,000
4.12% ▲ 0.93% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.93% above avgNationally 2.77%
Details

Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Oct 14, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 14, 2026: 4.12% APYOct 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA
$1,000
4.07% ▲ 0.88% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.88% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 6 Month
$1,000
4.07% ▲ 0.88% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.88% above avgNationally 2.77%
Details

Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
6 Month Share Certificate
$500
4.02% ▲ 0.83% above Alabama avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.83% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.02% ▲ 0.46 pts · high 4.02% / low 3.56%
3.06%3.79%4.52%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month CD
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month IRA CD
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details

FEATURED RATE

Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 30, 2026: 4.00% APYSep 30, 2026Oct 14, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Youth Certificates - 6 months
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details

Featured rate; APY includes .25% Club Benefit Earned payment; youth certificate for members age 17 and under; Club Benefit payments discontinue at age 18

Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 30, 2026: 4.00% APYSep 30, 2026Oct 14, 2026
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
180 Day Certificate Account
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificates of Deposit Regular - 6 Months
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Certificate of Deposit - 6 Months
$0
4.00% ▲ 0.81% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 14, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 180 Days
$500
4.00% ▲ 0.81% above Alabama avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details

Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 6 month special
$1,000
4.00% ▲ 0.81% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details

Special rate

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA 6 month special
$1,000
4.00% ▲ 0.81% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate 6 month special
$1,000
4.00% ▲ 0.81% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.81% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 6 Month Term
$0
3.98% ▲ 0.79% above Alabama avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.19%▲ 0.79% above avgNationally 2.77%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 14, 2026: 3.77% APYOct 12, 2026: 3.98% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.98%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 6 Months
$1
3.90% ▲ 0.71% above Alabama avg
View
▼
RateN/A
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.71% above avgNationally 2.77%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 6 Month
$10,000
3.85% ▲ 0.66% above Alabama avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.66% above avgNationally 2.77%
Details

Available only to members of at least fifteen (15) years of membership

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 14, 2026
Red Oak Credit Union
Institution Rating:
B3.8 ★Texas Ratio: 4.34%
6 Month Regular & IRA Certificates
$0
3.85% ▲ 0.66% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.66% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate - 6 Month
$1,000
3.82% ▲ 0.63% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.63% above avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 14, 2026
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month Certificate
$0
3.81% ▲ 0.62% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.19%▲ 0.62% above avgNationally 2.77%
Details

A penalty may apply for early withdrawal of funds

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 9 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
6 Month CD
$0
3.81% ▲ 0.62% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.19%▲ 0.62% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 7 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 14, 2026

Madison 12 Month CD Rates

Alabama 12 Month CD Average3.31% APYNational 2.99%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 12 Months Fixed
$100,000
4.13% ▲ 0.82% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.82% above avgNationally 2.99%
Details

Compounding: dividend rate 4.05%, APY compounding 4.13%

Rate History
3 changes since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYSep 25, 2026: 4.02% APYOct 4, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 25, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 12 Months Fixed
$100,000
4.05% ▲ 0.74% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.74% above avgNationally 2.99%
Details

Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05%

Rate History
4 changes since Sep 14, 2026 · 3.82% → 4.05% ▲ 0.23 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYSep 25, 2026: 4.02% APYOct 4, 2026: 4.13% APYOct 12, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.05%▼ from 4.13%
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 25, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
8848 Madison Blvd, Madison, AL 35758
12 month CD
$1,000
4.00% ▲ 0.69% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.69% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 12 Months Fixed
$1,000
3.80% ▲ 0.49% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.49% above avgNationally 2.99%
Details

Compounding: dividend rate 3.75%, APY compounding 3.80%

Rate History
3 changes since Sep 14, 2026 · 3.49% → 3.80% ▲ 0.31 pts · high 3.80% / low 3.49%
2.99%3.65%4.30%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYSep 25, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 25, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Traditional and Roth IRA Certificate - 12 Months Fixed
$0
3.80% ▲ 0.49% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.49% above avgNationally 2.99%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
1 Year Roth Super Jumbo Certificate
$0
3.76% ▲ 0.45% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
1 Year Super Jumbo Certificate
$100,000
3.76% ▲ 0.45% above Alabama avg
View
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 4 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
1 Year Traditional Super Jumbo IRA Certificate
$0
3.76% ▲ 0.45% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 4 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 12 Months Fixed
$1,000
3.75% ▲ 0.44% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▲ 0.44% above avgNationally 2.99%
Details

Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75%

Rate History
4 changes since Sep 14, 2026 · 3.49% → 3.75% ▲ 0.26 pts · high 3.80% / low 3.49%
2.99%3.65%4.30%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYSep 25, 2026: 3.70% APYOct 4, 2026: 3.80% APYOct 12, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.75%▼ from 3.80%
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 25, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
1 Year Jumbo Certificate
$50,000
3.71% ▲ 0.40% above Alabama avg
View
▼
Rate3.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.40% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 4 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
1 Year Roth Jumbo Certificate
$0
3.71% ▲ 0.40% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.40% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
1 Year Traditional Jumbo IRA Certificate
$0
3.71% ▲ 0.40% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.40% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 4 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
1 Year Certificate
$1,000
3.66% ▲ 0.35% above Alabama avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
1 Year Roth Certificate
$0
3.66% ▲ 0.35% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 5 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
1 Year Traditional IRA Certificate
$0
3.66% ▲ 0.35% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
53 Hughes Rd, Madison, AL 35758
12 Month Certificate
$0
3.51% ▲ 0.20% above Alabama avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.31%▲ 0.20% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 24, 2026: 3.51% APYSep 24, 2026Oct 14, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
8857 Madison Blvd, Madison, AL 35758
12-month CD
$0
3.25% ▼ 0.06% below Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.31%▼ 0.06% below avgNationally 2.99%
Details

Special rate for select new CD accounts.

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
12 Month Business Certificate of Deposits (CD)
$1,000
3.25% ▼ 0.06% below Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▼ 0.06% below avgNationally 2.99%
Details

Interest Paid: Monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
12-Month CD
$1,000
3.25% ▼ 0.06% below Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▼ 0.06% below avgNationally 2.99%
Details

Interest Paid: Monthly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
12 Month Certificate
$0
3.03% ▼ 0.28% below Alabama avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▼ 0.28% below avgNationally 2.99%
Details

Non-Compounding: 3.00%**, Compounding: 3.00%**

Rate History
3 changes since Sep 14, 2026 · 2.78% → 3.03% ▲ 0.25 pts · high 3.03% / low 2.75%
2.25%2.89%3.53%Sep 14, 2026: 2.78% APYSep 18, 2026: 2.75% APYSep 21, 2026: 2.78% APYOct 9, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.03%▲ from 2.78%
  • Sep 21, 20262.78%▲ from 2.75%
  • Sep 18, 20262.75%▼ from 2.78%
  • Sep 14, 20262.78%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Special Offers - 12 Months (No-Penalty) Fixed
$0
2.98% ▼ 0.33% below Alabama avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▼ 0.33% below avgNationally 2.99%
Details

Compounding: dividend rate 2.95%, APY compounding 2.98%

Rate History
3 changes since Sep 14, 2026 · 2.68% → 2.98% ▲ 0.30 pts · high 2.98% / low 2.68%
2.18%2.83%3.48%Sep 14, 2026: 2.68% APYSep 18, 2026: 2.78% APYSep 25, 2026: 2.88% APYOct 4, 2026: 2.98% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20262.98%▲ from 2.88%
  • Sep 25, 20262.88%▲ from 2.78%
  • Sep 18, 20262.78%▲ from 2.68%
  • Sep 14, 20262.68%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Special Offers - 12 Months (No-Penalty) Fixed
$0
2.95% ▼ 0.36% below Alabama avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.31%▼ 0.36% below avgNationally 2.99%
Details

Non-Compounding: dividend rate 2.95%, APY non-compounding 2.95%

Rate History
4 changes since Sep 14, 2026 · 2.68% → 2.95% ▲ 0.27 pts · high 2.98% / low 2.68%
2.18%2.83%3.48%Sep 14, 2026: 2.68% APYSep 18, 2026: 2.78% APYSep 25, 2026: 2.88% APYOct 4, 2026: 2.98% APYOct 12, 2026: 2.95% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20262.95%▼ from 2.98%
  • Oct 4, 20262.98%▲ from 2.88%
  • Sep 25, 20262.88%▲ from 2.78%
  • Sep 18, 20262.78%▲ from 2.68%
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
8650 Madison Blvd, Madison, AL 35758
1 Year CD
$500
2.00% ▼ 1.31% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.31%▼ 1.31% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9044 Madison Blvd, Madison, AL 35758
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.80% below Alabama avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.31%▼ 1.80% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9044 Madison Blvd, Madison, AL 35758
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.80% below Alabama avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.31%▼ 1.80% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
9044 Madison Blvd, Madison, AL 35758
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.81% below Alabama avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.31%▼ 1.81% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
12 Month Certificate of Deposit
$0
0.03% ▼ 3.28% below Alabama avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.31%▼ 3.28% below avgNationally 2.99%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
12 Month Certificate of Deposit
$0
0.02% ▼ 3.29% below Alabama avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.31%▼ 3.29% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
12 Month Certificate of Deposit
$0
0.01% ▼ 3.30% below Alabama avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.31%▼ 3.30% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 1.69% above Alabama avg
View
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 1.69% above avgNationally 2.99%
Details

Eligibility: must be opened within two years of the date of death; eligibility subject to verification; 12-month fixed term from account opening; one renewal at rate in effect at maturity, rate not guaranteed to match original

Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
4.41%4.96%5.50%Sep 14, 2026: 4.91% APYSep 17, 2026: 5.00% APYSep 14, 2026Oct 14, 2026
  • Sep 17, 20265.00%▲ from 4.91%
  • Sep 14, 20264.91%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
12 Month Share Certificates (CDs) - Jumbo
$1,000
4.53% ▲ 1.22% above Alabama avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 1.22% above avgNationally 2.99%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.53% APY
4.03%4.53%5.03%Oct 13, 2026: 4.53% APYOct 13, 2026Oct 14, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Share Certificates
$0
4.50% ▲ 1.19% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 30, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 30, 2026: 3.50% APYOct 14, 2026: 4.50% APYSep 30, 2026Oct 14, 2026
  • Oct 14, 20264.50%▲ from 3.50%
  • Sep 30, 20263.50%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Youth Certificates
$0
4.50% ▲ 1.19% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 1.19% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 30, 2026: 4.50% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.04% above Alabama avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 12 Month
$1,000
4.31% ▲ 1.00% above Alabama avg
View
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 1.00% above avgNationally 2.99%
Details

IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity

Rate History
No change since Oct 10, 2026 · 4.31% APY · checked 2 times
3.81%4.31%4.81%Oct 10, 2026: 4.31% APYOct 10, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$100,000
4.23% ▲ 0.92% above Alabama avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.92% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month Jumbo
$100,000
4.23% ▲ 0.92% above Alabama avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.92% above avgNationally 2.99%
Details

Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Oct 14, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 14, 2026: 4.23% APYOct 14, 2026Oct 14, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12 Month IRA
$0
4.20% ▲ 0.89% above Alabama avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.89% above avgNationally 2.99%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificates of Deposit Regular - 12 Months
$0
4.20% ▲ 0.89% above Alabama avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.89% above avgNationally 2.99%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 14, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
12 Month Share Certificate
$500
4.18% ▲ 0.87% above Alabama avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.87% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA
$1,000
4.18% ▲ 0.87% above Alabama avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 8 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month
$1,000
4.18% ▲ 0.87% above Alabama avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.87% above avgNationally 2.99%
Details

Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 8 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month CD
$0
4.16% ▲ 0.85% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.31%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 9, 2026: 4.16% APYOct 9, 2026Oct 14, 2026
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificates of Deposit
$0
4.16% ▲ 0.85% above Alabama avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.85% above avgNationally 2.99%
Details

Balance: $500.00 Minimum; Rates effective as of March 12, 2025

Rate History
No change since Oct 13, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 13, 2026: 4.16% APYOct 13, 2026Oct 14, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Jumbo Certificate
$250,000
4.16% ▲ 0.85% above Alabama avg
View
▼
Rate4.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.31%▲ 0.85% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.16% / low 3.80%
3.30%3.98%4.66%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.16% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.16%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 0.79% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Local Bank Red Level, AL
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
12 Month Certificate of Deposit
$0
4.10% ▲ 0.79% above Alabama avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 14, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 12 Month
$0
4.10% ▲ 0.79% above Alabama avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 12 Months
$500
4.10% ▲ 0.79% above Alabama avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
Details

Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 12 month special
$1,000
4.10% ▲ 0.79% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.31%▲ 0.79% above avgNationally 2.99%
Details

Special rate

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026

Madison 18 Month CD Rates

Alabama 18 Month CD Average3.22% APYNational 2.88%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
8848 Madison Blvd, Madison, AL 35758
18 month CD
$1,000
4.08% ▲ 0.86% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 18 Months Fixed
$100,000
3.92% ▲ 0.70% above Alabama avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.70% above avgNationally 2.88%
Details

Compounding: dividend rate 3.85%, APY compounding 3.92%

Rate History
2 changes since Sep 14, 2026 · 3.71% → 3.92% ▲ 0.21 pts · high 3.92% / low 3.71%
3.21%3.82%4.42%Sep 14, 2026: 3.71% APYSep 18, 2026: 3.82% APYOct 4, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.92%▲ from 3.82%
  • Sep 18, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 18 Months Fixed
$100,000
3.85% ▲ 0.63% above Alabama avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.63% above avgNationally 2.88%
Details

Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85%

Rate History
3 changes since Sep 14, 2026 · 3.71% → 3.85% ▲ 0.14 pts · high 3.92% / low 3.71%
3.21%3.82%4.42%Sep 14, 2026: 3.71% APYSep 18, 2026: 3.82% APYOct 4, 2026: 3.92% APYOct 12, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.85%▼ from 3.92%
  • Oct 4, 20263.92%▲ from 3.82%
  • Sep 18, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 18 Months Fixed
$1,000
3.60% ▲ 0.38% above Alabama avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Compounding: dividend rate 3.55%, APY compounding 3.60%

Rate History
2 changes since Sep 14, 2026 · 3.39% → 3.60% ▲ 0.21 pts · high 3.60% / low 3.39%
2.89%3.50%4.10%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.49% APYOct 4, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.60%▲ from 3.49%
  • Sep 18, 20263.49%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Traditional and Roth IRA Certificate - 18 Months Fixed
$0
3.60% ▲ 0.38% above Alabama avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 18 Months Fixed
$1,000
3.55% ▲ 0.33% above Alabama avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.22%▲ 0.33% above avgNationally 2.88%
Details

Non-Compounding: dividend rate 3.55%, APY non-compounding 3.55%

Rate History
3 changes since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.60% / low 3.39%
2.89%3.50%4.10%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.49% APYOct 4, 2026: 3.60% APYOct 12, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.55%▼ from 3.60%
  • Oct 4, 20263.60%▲ from 3.49%
  • Sep 18, 20263.49%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
53 Hughes Rd, Madison, AL 35758
18 Month Certificate
$0
3.46% ▲ 0.24% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.22%▲ 0.24% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 14, 2026
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
18-Month IRA CD
$0
3.03% ▼ 0.19% below Alabama avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.22%▼ 0.19% below avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.78% → 3.03% ▲ 0.25 pts · high 3.03% / low 2.78%
2.28%2.91%3.53%Sep 14, 2026: 2.78% APYOct 9, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.03%▲ from 2.78%
  • Sep 14, 20262.78%first recorded
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
18 Month Certificate
$0
2.88% ▼ 0.34% below Alabama avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.22%▼ 0.34% below avgNationally 2.88%
Details

Non-Compounding: 2.85%*, Compounding: 2.85%

Rate History
3 changes since Sep 14, 2026 · 2.68% → 2.88% ▲ 0.20 pts · high 2.88% / low 2.65%
2.15%2.76%3.38%Sep 14, 2026: 2.68% APYSep 18, 2026: 2.65% APYSep 21, 2026: 2.68% APYOct 9, 2026: 2.88% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20262.88%▲ from 2.68%
  • Sep 21, 20262.68%▲ from 2.65%
  • Sep 18, 20262.65%▼ from 2.68%
  • Sep 14, 20262.68%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
18 Month Certificate of Deposit
$0
0.03% ▼ 3.19% below Alabama avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.22%▼ 3.19% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
18 Month Certificate of Deposit
$0
0.02% ▼ 3.20% below Alabama avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.22%▼ 3.20% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
18 Month Certificate of Deposit
$0
0.01% ▼ 3.21% below Alabama avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.22%▼ 3.21% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
18 Month Share Certificate
$500
5.00% ▲ 1.78% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 1.78% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 9, 2026: 5.00% APYOct 9, 2026Oct 14, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
18 Month Share Certificate
$500
4.49% ▲ 1.27% above Alabama avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.49% ▲ 0.93 pts · high 4.49% / low 3.56%
2.63%4.03%5.42%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.49% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.49%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month CD
$0
4.35% ▲ 1.13% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.22%▲ 1.13% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month IRA CD
$0
4.35% ▲ 1.13% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.22%▲ 1.13% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificates of Deposit Regular - 18 Months
$0
4.30% ▲ 1.08% above Alabama avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
4.28% ▲ 1.06% above Alabama avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 1.06% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 8 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 18 Month Jumbo
$100,000
4.28% ▲ 1.06% above Alabama avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 1.06% above avgNationally 2.88%
Details

Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Oct 14, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 14, 2026: 4.28% APYOct 14, 2026Oct 14, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 18 Month
$1,000
4.26% ▲ 1.04% above Alabama avg
View
▼
Rate4.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 1.04% above avgNationally 2.88%
Details

IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity

Rate History
No change since Oct 10, 2026 · 4.26% APY · checked 2 times
3.76%4.26%4.76%Oct 10, 2026: 4.26% APYOct 10, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$1,000
4.23% ▲ 1.01% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 1.01% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 18 Month
$1,000
4.23% ▲ 1.01% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 1.01% above avgNationally 2.88%
Details

Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 0.93% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.93% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 0.88% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.88% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
4.10% ▲ 0.88% above Alabama avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.88% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
18 Month Business Certificates of Deposit
$500
4.05% ▲ 0.83% above Alabama avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.22%▲ 0.83% above avgNationally 2.88%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 18, 2026: 3.65% APYOct 2, 2026: 4.05% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.05%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 18 Months
$500
4.05% ▲ 0.83% above Alabama avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.22%▲ 0.83% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 18, 2026: 3.65% APYOct 2, 2026: 4.05% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.05%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 18 Month
$0
4.05% ▲ 0.83% above Alabama avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.83% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month C.D.
$1,000
4.01% ▲ 0.79% above Alabama avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.22%▲ 0.79% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.01% APY · checked 5 times
3.51%4.01%4.51%Sep 24, 2026: 4.01% APYSep 24, 2026Oct 14, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month Certificate of Deposit
$500
3.95% ▲ 0.73% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.73% above avgNationally 2.88%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificates of Deposit
$0
3.80% ▲ 0.58% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.58% above avgNationally 2.88%
Details

Balance: $500.00 Minimum; Rates effective as of March 12, 2025

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 14, 2026
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Share Certificates - 18 Month
$0
3.80% ▲ 0.58% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.58% above avgNationally 2.88%
Details

Interest Compound Period: Quarterly

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 3.80% / low 3.80%
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 18, 2026: 3.80% APYSep 22, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.80%▼ from 3.80%
  • Sep 18, 20263.80%▼ from 3.80%
  • Sep 14, 20263.80%first recorded
Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Share Certificates (CD's) - 18 Months
$1
3.80% ▲ 0.58% above Alabama avg
View
▼
RateN/A
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.58% above avgNationally 2.88%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month Certificate of Deposit
$0
3.75% ▲ 0.53% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.22%▲ 0.53% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share and IRA Certificates of Deposit - 18 Months
$1,000
3.75% ▲ 0.53% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.53% above avgNationally 2.88%
Details

$1,000.00 minimum on all CDs; CDs pay interest quarterly unless the account pays monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.48% above Alabama avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18 Month Certificate
$0
3.66% ▲ 0.44% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.22%▲ 0.44% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 9, 2026: 3.66% APYOct 9, 2026Oct 14, 2026
Riverfall Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Share & IRA Certificates - 18 Months
$0
3.66% ▲ 0.44% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.22%▲ 0.44% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Jumbo Certificate
$250,000
3.55% ▲ 0.33% above Alabama avg
View
▼
Rate3.50%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.33% above avgNationally 2.88%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
CD Special 18 Month
$0
3.55% ▲ 0.33% above Alabama avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.33% above avgNationally 2.88%
Details

Share Certificate; dividends credited quarterly; substantial penalty for early withdrawal; no deposits after opening until maturity

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Term Share Certificate
$50,000
3.51% ▲ 0.29% above Alabama avg
View
▼
Rate3.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.29% above avgNationally 2.88%
Details

Minimum $50,000.00

Rate History
2 changes since Sep 18, 2026 · 3.51% → 3.51% ▼ 0.00 pts · high 3.51% / low 3.46%
2.96%3.49%4.01%Sep 18, 2026: 3.51% APYOct 5, 2026: 3.46% APYOct 9, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.51%▲ from 3.46%
  • Oct 5, 20263.46%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
18 Month Share Certificates
$0
3.50% ▲ 0.28% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Penalties may apply for early withdrawals

Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 30, 2026: 3.50% APYSep 30, 2026Oct 14, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 18 months
$0
3.50% ▲ 0.28% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Penalties may apply for early withdrawals

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 14, 2026
Legacy Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
18 Month Certificate & IRA
$0
3.50% ▲ 0.28% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Term Share Certificate
$1,000
3.46% ▲ 0.24% above Alabama avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.24% above avgNationally 2.88%
Details

Minimum $1,000.00; Rates effective as of 10/01/2026

Rate History
3 changes since Sep 18, 2026 · 3.51% → 3.46% ▼ 0.05 pts · high 3.51% / low 3.46%
2.96%3.49%4.01%Sep 18, 2026: 3.51% APYOct 5, 2026: 3.46% APYOct 9, 2026: 3.51% APYOct 13, 2026: 3.46% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20263.46%▼ from 3.51%
  • Oct 9, 20263.51%▲ from 3.46%
  • Oct 5, 20263.46%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month IRA Plus Certificates
$0
3.44% ▲ 0.22% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.22% above avgNationally 2.88%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 14, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates Plus
$0
3.44% ▲ 0.22% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.22% above avgNationally 2.88%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 14, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month IRA Certificate
$500
3.44% ▲ 0.22% above Alabama avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.22% above avgNationally 2.88%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 5 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 14, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Standard Certificate
$500
3.44% ▲ 0.22% above Alabama avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.22%▲ 0.22% above avgNationally 2.88%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 14, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 Month IRA
$500
3.40% ▲ 0.18% above Alabama avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.22%▲ 0.18% above avgNationally 2.88%
Details

Compound Frequency: Monthly; APY assumes interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026

Madison 24 Month CD Rates

Alabama 24 Month CD Average3.18% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
8848 Madison Blvd, Madison, AL 35758
24 month IRA
$500
4.08% ▲ 0.90% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 24 Months Fixed
$100,000
4.02% ▲ 0.84% above Alabama avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.84% above avgNationally 2.88%
Details

Compounding: dividend rate 3.95%, APY compounding 4.02%

Rate History
2 changes since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYOct 4, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 24 Months Fixed
$100,000
3.95% ▲ 0.77% above Alabama avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.77% above avgNationally 2.88%
Details

Non-Compounding: dividend rate 3.95%, APY non-compounding 3.95%

Rate History
3 changes since Sep 14, 2026 · 3.82% → 3.95% ▲ 0.13 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYOct 4, 2026: 4.02% APYOct 12, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.95%▼ from 4.02%
  • Oct 4, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
8848 Madison Blvd, Madison, AL 35758
24 month CD
$1,000
3.82% ▲ 0.64% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.64% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 24 Months Fixed
$1,000
3.70% ▲ 0.52% above Alabama avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.52% above avgNationally 2.88%
Details

Compounding: dividend rate 3.65%, APY compounding 3.70%

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Traditional and Roth IRA Certificate - 24 Months Fixed
$0
3.70% ▲ 0.52% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.52% above avgNationally 2.88%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 24 Months Fixed
$1,000
3.65% ▲ 0.47% above Alabama avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.18%▲ 0.47% above avgNationally 2.88%
Details

Non-Compounding: dividend rate 3.65%, APY non-compounding 3.65%

Rate History
3 changes since Sep 14, 2026 · 3.49% → 3.65% ▲ 0.16 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYOct 12, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.65%▼ from 3.70%
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
24-Month IRA CD
$0
3.65% ▲ 0.47% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.47% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.65% ▲ 0.41 pts · high 3.65% / low 3.24%
2.74%3.45%4.15%Sep 14, 2026: 3.24% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.65%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
2 Year Roth Super Jumbo Certificate
$0
3.45% ▲ 0.27% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
2 Year Super Jumbo Certificate
$100,000
3.45% ▲ 0.27% above Alabama avg
View
▼
Rate3.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
2 Year Traditional Super Jumbo IRA Certificate
$0
3.45% ▲ 0.27% above Alabama avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
53 Hughes Rd, Madison, AL 35758
24 Month Certificate
$0
3.41% ▲ 0.23% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.18%▲ 0.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
2 Year Jumbo Certificate
$50,000
3.40% ▲ 0.22% above Alabama avg
View
▼
Rate3.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.22% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
2 Year Roth Jumbo Certificate
$0
3.40% ▲ 0.22% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.22% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
2 Year Traditional Jumbo IRA Certificate
$0
3.40% ▲ 0.22% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.22% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
2 Year Certificate
$1,000
3.35% ▲ 0.17% above Alabama avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
2 Year Roth Certificate
$0
3.35% ▲ 0.17% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
2 Year Traditional IRA Certificate
$0
3.35% ▲ 0.17% above Alabama avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
24 Month Business Certificate of Deposits (CD)
$1,000
3.35% ▲ 0.17% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.17% above avgNationally 2.88%
Details

Interest Paid: Monthly

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
24-Month CD
$1,000
3.35% ▲ 0.17% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.17% above avgNationally 2.88%
Details

Interest Paid: Monthly

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
24 Month Certificate
$0
2.93% ▼ 0.25% below Alabama avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.18%▼ 0.25% below avgNationally 2.88%
Details

Non-Compounding: 2.90%*, Compounding: 2.90%

Rate History
3 changes since Sep 14, 2026 · 2.73% → 2.93% ▲ 0.20 pts · high 2.93% / low 2.70%
2.20%2.82%3.43%Sep 14, 2026: 2.73% APYSep 18, 2026: 2.70% APYSep 21, 2026: 2.73% APYOct 9, 2026: 2.93% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20262.93%▲ from 2.73%
  • Sep 21, 20262.73%▲ from 2.70%
  • Sep 18, 20262.70%▼ from 2.73%
  • Sep 14, 20262.73%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
8650 Madison Blvd, Madison, AL 35758
2 Year CD
$500
2.25% ▼ 0.93% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.18%▼ 0.93% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
24 Month Certificate of Deposit
$0
0.03% ▼ 3.15% below Alabama avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.18%▼ 3.15% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
24 Month Certificate of Deposit
$0
0.02% ▼ 3.16% below Alabama avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.18%▼ 3.16% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
24 Month Certificate of Deposit
$0
0.01% ▼ 3.17% below Alabama avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.18%▼ 3.17% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
24 Month Share Certificates (CDs) - Jumbo
$1,000
4.82% ▲ 1.64% above Alabama avg
View
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 1.64% above avgNationally 2.88%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.82% APY
4.32%4.82%5.32%Oct 13, 2026: 4.82% APYOct 13, 2026Oct 14, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
24 Month Share Certificate
$500
4.49% ▲ 1.31% above Alabama avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 1.31% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.49% ▲ 0.93 pts · high 4.49% / low 3.56%
2.63%4.03%5.42%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.49% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.49%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Month IRA
$0
4.40% ▲ 1.22% above Alabama avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 1.22% above avgNationally 2.88%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificates of Deposit Regular - 24 Months
$0
4.40% ▲ 1.22% above Alabama avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 1.22% above avgNationally 2.88%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24-month CD
$0
4.25% ▲ 1.07% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.18%▲ 1.07% above avgNationally 2.88%
Details

Save on your terms with a guaranteed rate of return on a Certificate of Deposit.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 24 Month
$1,000
4.20% ▲ 1.02% above Alabama avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 1.02% above avgNationally 2.88%
Details

IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity

Rate History
No change since Oct 10, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 10, 2026: 4.20% APYOct 10, 2026Oct 14, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 24 Months
$500
4.20% ▲ 1.02% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 1.02% above avgNationally 2.88%
Details

Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$100,000
4.13% ▲ 0.95% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.95% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 24 Month Jumbo
$100,000
4.13% ▲ 0.95% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.95% above avgNationally 2.88%
Details

Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Oct 14, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 14, 2026: 4.13% APYOct 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA
$1,000
4.07% ▲ 0.89% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.89% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 24 Month
$1,000
4.07% ▲ 0.89% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.89% above avgNationally 2.88%
Details

Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2 Year C.D.
$1,000
4.06% ▲ 0.88% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.18%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 24, 2026: 4.06% APYSep 24, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.02% ▲ 0.84% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.84% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 0.84% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.84% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
24 Month Business Certificates of Deposit
$500
4.00% ▲ 0.82% above Alabama avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Sep 18, 2026: 3.55% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.00%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 24 Months
$500
4.00% ▲ 0.82% above Alabama avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Sep 18, 2026: 3.55% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.00%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$0
4.00% ▲ 0.82% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Business Share Certificate/CD
$1,000
4.00% ▲ 0.82% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Regular and IRA Certificate of Deposit
$1,000
4.00% ▲ 0.82% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 24 months
$0
4.00% ▲ 0.82% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 24 months
$0
4.00% ▲ 0.82% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 24 Month
$0
4.00% ▲ 0.82% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.18%▲ 0.82% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 14, 2026: 3.70% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.00%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Neighborhood Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
24-Month Certificate
$0
3.97% ▲ 0.79% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.79% above avgNationally 2.88%
Details

Promotional banner: earn up to 3.97% APY on 24-month certificate; membership eligibility required; rates subject to change

Rate History
No change since Sep 17, 2026 · 3.97% APY · checked 7 times
3.47%3.97%4.47%Sep 17, 2026: 3.97% APYSep 17, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 24 Month
$0
3.86% ▲ 0.68% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.68% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Certificate of Deposit
$500
3.85% ▲ 0.67% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.18%▲ 0.67% above avgNationally 2.88%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026

Madison 36 Month CD Rates

Alabama 36 Month CD Average3.05% APYNational 2.81%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Pulaski
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
503 Town Madison Blvd, Madison, AL 35758
36 Month Certificate of Deposit
$10,000
4.25% ▲ 1.20% above Alabama avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▲ 1.20% above avgNationally 2.81%
Details

Term: 36 Months CD with 1x Bump; You may exercise a one-time rate bump during the CD term, the new rate will be determined by the book rate for a 36 month CD and effective for the remaining CD term. Member FDIC.

Rate History
No change since Sep 29, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 29, 2026: 4.25% APYSep 29, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 36 Months Fixed
$100,000
4.13% ▲ 1.08% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 1.08% above avgNationally 2.81%
Details

Compounding: dividend rate 4.05%, APY compounding 4.13%

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 18, 2026: 4.02% APYOct 4, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 36 Months Fixed
$100,000
4.05% ▲ 1.00% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 1.00% above avgNationally 2.81%
Details

Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05%

Rate History
3 changes since Sep 14, 2026 · 3.92% → 4.05% ▲ 0.13 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 18, 2026: 4.02% APYOct 4, 2026: 4.13% APYOct 12, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.05%▼ from 4.13%
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
8848 Madison Blvd, Madison, AL 35758
36 month CD
$1,000
3.82% ▲ 0.77% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 36 Months Fixed
$1,000
3.80% ▲ 0.75% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.75% above avgNationally 2.81%
Details

Compounding: dividend rate 3.75%, APY compounding 3.80%

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Traditional and Roth IRA Certificate - 36 Months Fixed
$0
3.80% ▲ 0.75% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.75% above avgNationally 2.81%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 36 Months Fixed
$1,000
3.75% ▲ 0.70% above Alabama avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75%

Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYOct 12, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.75%▼ from 3.80%
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Member's Choice Share Certificate - 36 Months Fixed
$0
3.70% ▲ 0.65% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.65% above avgNationally 2.81%
Details

Compounding: dividend rate 3.65%, APY compounding 3.70%

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Member's Choice Share Certificate - 36 Months Fixed
$0
3.65% ▲ 0.60% above Alabama avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.05%▲ 0.60% above avgNationally 2.81%
Details

Non-Compounding: dividend rate 3.65%, APY non-compounding 3.65%

Rate History
3 changes since Sep 14, 2026 · 3.49% → 3.65% ▲ 0.16 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYOct 12, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.65%▼ from 3.70%
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
53 Hughes Rd, Madison, AL 35758
36 Month Certificate
$0
3.41% ▲ 0.36% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
36 Month Business Certificate of Deposits (CD)
$1,000
3.25% ▲ 0.20% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 0.20% above avgNationally 2.81%
Details

Interest Paid: Monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
36-Month CD
$1,000
3.25% ▲ 0.20% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 0.20% above avgNationally 2.81%
Details

Interest Paid: Monthly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
36 Month Certificate
$0
3.19% ▲ 0.14% above Alabama avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.14% above avgNationally 2.81%
Details

Non-Compounding: 3.15%*, Compounding: 3.15%

Rate History
3 changes since Sep 14, 2026 · 2.83% → 3.19% ▲ 0.36 pts · high 3.19% / low 2.80%
2.30%3.00%3.69%Sep 14, 2026: 2.83% APYSep 18, 2026: 2.80% APYSep 21, 2026: 2.83% APYOct 9, 2026: 3.19% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.19%▲ from 2.83%
  • Sep 21, 20262.83%▲ from 2.80%
  • Sep 18, 20262.80%▼ from 2.83%
  • Sep 14, 20262.83%first recorded
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
36-Month IRA CD
$0
3.19% ▲ 0.14% above Alabama avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▲ 0.14% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.88% → 3.19% ▲ 0.31 pts · high 3.19% / low 2.88%
2.38%3.04%3.69%Sep 14, 2026: 2.88% APYOct 9, 2026: 3.19% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.19%▲ from 2.88%
  • Sep 14, 20262.88%first recorded
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
3 Year Roth Super Jumbo Certificate
$0
2.94% ▼ 0.11% below Alabama avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▼ 0.11% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 14, 2026: 2.94% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
3 Year Super Jumbo Certificate
$100,000
2.94% ▼ 0.11% below Alabama avg
View
▼
Rate2.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▼ 0.11% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 4 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
3 Year Traditional Super Jumbo IRA Certificate
$0
2.94% ▼ 0.11% below Alabama avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▼ 0.11% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 4 times
2.44%2.94%3.44%Sep 14, 2026: 2.94% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
3 Year Jumbo Certificate
$50,000
2.89% ▼ 0.16% below Alabama avg
View
▼
Rate2.85%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▼ 0.16% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.89% APY · checked 4 times
2.39%2.89%3.39%Sep 18, 2026: 2.89% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
3 Year Roth Jumbo Certificate
$0
2.89% ▼ 0.16% below Alabama avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▼ 0.16% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 5 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
3 Year Traditional Jumbo IRA Certificate
$0
2.89% ▼ 0.16% below Alabama avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▼ 0.16% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 4 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
3 Year Certificate
$1,000
2.84% ▼ 0.21% below Alabama avg
View
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▼ 0.21% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 4 times
2.34%2.84%3.34%Sep 18, 2026: 2.84% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
3 Year Roth Certificate
$0
2.84% ▼ 0.21% below Alabama avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▼ 0.21% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 5 times
2.34%2.84%3.34%Sep 14, 2026: 2.84% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
3 Year Traditional IRA Certificate
$0
2.84% ▼ 0.21% below Alabama avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.05%▼ 0.21% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 4 times
2.34%2.84%3.34%Sep 14, 2026: 2.84% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
8650 Madison Blvd, Madison, AL 35758
3 Year CD
$500
1.40% ▼ 1.65% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▼ 1.65% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
36 Month Certificate of Deposit
$0
0.03% ▼ 3.02% below Alabama avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▼ 3.02% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
36 Month Certificate of Deposit
$0
0.02% ▼ 3.03% below Alabama avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▼ 3.03% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
36 Month Certificate of Deposit
$0
0.01% ▼ 3.04% below Alabama avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▼ 3.04% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
36 Month Share Certificates (CDs) - Jumbo
$1,000
4.93% ▲ 1.88% above Alabama avg
View
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.88% above avgNationally 2.81%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.93% APY
4.43%4.93%5.43%Oct 13, 2026: 4.93% APYOct 13, 2026Oct 14, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
36 Month IRA
$0
4.60% ▲ 1.55% above Alabama avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.55% above avgNationally 2.81%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.60% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificates of Deposit Regular - 36 Months
$0
4.60% ▲ 1.55% above Alabama avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.55% above avgNationally 2.81%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 14, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 36 Month
$1,000
4.26% ▲ 1.21% above Alabama avg
View
▼
Rate4.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.21% above avgNationally 2.81%
Details

IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity

Rate History
No change since Oct 10, 2026 · 4.26% APY · checked 2 times
3.76%4.26%4.76%Oct 10, 2026: 4.26% APYOct 10, 2026Oct 14, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 36 Months
$500
4.20% ▲ 1.15% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.15% above avgNationally 2.81%
Details

Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 Year C.D.
$1,000
4.16% ▲ 1.11% above Alabama avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.05%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 4.16% APY · checked 5 times
3.66%4.16%4.66%Sep 24, 2026: 4.16% APYSep 24, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15% ▲ 1.10% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.10% above avgNationally 2.81%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$100,000
4.13% ▲ 1.08% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 36 Month Jumbo
$100,000
4.13% ▲ 1.08% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.08% above avgNationally 2.81%
Details

Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Oct 14, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 14, 2026: 4.13% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.05% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.05% above avgNationally 2.81%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
36 Month Share Certificate
$500
4.07% ▲ 1.02% above Alabama avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 1.02% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA
$1,000
4.07% ▲ 1.02% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.02% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 36 Month
$1,000
4.07% ▲ 1.02% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.02% above avgNationally 2.81%
Details

Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 36 Month
$0
4.05% ▲ 1.00% above Alabama avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.05%▲ 1.00% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.05% ▲ 0.39 pts · high 4.05% / low 3.66%
3.16%3.86%4.55%Sep 14, 2026: 3.66% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.05%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.02% ▲ 0.97% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.97% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 0.97% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.97% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Business Share Certificate/CD
$1,000
4.00% ▲ 0.95% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Regular and IRA Certificate of Deposit
$1,000
4.00% ▲ 0.95% above Alabama avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 36 months
$0
4.00% ▲ 0.95% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 36 months
$0
4.00% ▲ 0.95% above Alabama avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
36 Month Business Certificates of Deposit
$500
3.90% ▲ 0.85% above Alabama avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▲ 0.85% above avgNationally 2.81%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 18, 2026: 3.50% APYOct 2, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.90%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 36 Months
$500
3.90% ▲ 0.85% above Alabama avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.05%▲ 0.85% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 18, 2026: 3.50% APYOct 2, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.90%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month IRA Certificates
$0
3.86% ▲ 0.81% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.05%▲ 0.81% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded

Madison 48 Month CD Rates

Alabama 48 Month CD Average2.90% APYNational 2.80%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 48 Months Fixed
$100,000
4.18% ▲ 1.28% above Alabama avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 1.28% above avgNationally 2.80%
Details

Compounding: dividend rate 4.10%, APY compounding 4.18%

Rate History
2 changes since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.07% APYOct 4, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.18%▲ from 4.07%
  • Sep 18, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 48 Months Fixed
$100,000
4.10% ▲ 1.20% above Alabama avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 1.20% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 4.10%, APY non-compounding 4.10%

Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.10% ▲ 0.13 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.07% APYOct 4, 2026: 4.18% APYOct 12, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.10%▼ from 4.18%
  • Oct 4, 20264.18%▲ from 4.07%
  • Sep 18, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 48 Months Fixed
$1,000
3.85% ▲ 0.95% above Alabama avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Compounding: dividend rate 3.80%, APY compounding 3.85%

Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Traditional and Roth IRA Certificate - 48 Months Fixed
$0
3.85% ▲ 0.95% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 14, 2026
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
8848 Madison Blvd, Madison, AL 35758
48 month CD
$1,000
3.82% ▲ 0.92% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.92% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 48 Months Fixed
$1,000
3.80% ▲ 0.90% above Alabama avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.90% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 3.80%, APY non-compounding 3.80%

Rate History
3 changes since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.80%▼ from 3.85%
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Member's Choice Share Certificate - 48 Months Fixed
$0
3.75% ▲ 0.85% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Compounding: dividend rate 3.70%, APY compounding 3.75%

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.65% APYOct 4, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Member's Choice Share Certificate - 48 Months Fixed
$0
3.70% ▲ 0.80% above Alabama avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average2.90%▲ 0.80% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 3.70%, APY non-compounding 3.70%

Rate History
3 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.65% APYOct 4, 2026: 3.75% APYOct 12, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.70%▼ from 3.75%
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
53 Hughes Rd, Madison, AL 35758
48 Month Certificate
$0
3.41% ▲ 0.51% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.90%▲ 0.51% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
48-Month IRA CD
$0
3.29% ▲ 0.39% above Alabama avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.39% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.93% → 3.29% ▲ 0.36 pts · high 3.29% / low 2.93%
2.43%3.11%3.79%Sep 14, 2026: 2.93% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.29%▲ from 2.93%
  • Sep 14, 20262.93%first recorded
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
48 Month Business Certificate of Deposits (CD)
$1,000
3.25% ▲ 0.35% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.35% above avgNationally 2.80%
Details

Interest Paid: Monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
48-Month CD
$1,000
3.25% ▲ 0.35% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.35% above avgNationally 2.80%
Details

Interest Paid: Monthly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
4 Year Roth Super Jumbo Certificate
$0
3.04% ▲ 0.14% above Alabama avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.14% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
4 Year Traditional Super Jumbo IRA Certificate
$0
3.04% ▲ 0.14% above Alabama avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.14% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
4 Year Jumbo Certificate
$50,000
2.99% ▲ 0.09% above Alabama avg
View
▼
Rate2.95%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.09% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 4 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
4 Year Roth Jumbo Certificate
$0
2.99% ▲ 0.09% above Alabama avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.09% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 5 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
4 Year Traditional Jumbo IRA Certificate
$0
2.99% ▲ 0.09% above Alabama avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.09% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 4 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
4 Year Certificate
$1,000
2.94% ▲ 0.04% above Alabama avg
View
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.04% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 4 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
4 Year Roth Certificate
$0
2.94% ▲ 0.04% above Alabama avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.04% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 14, 2026: 2.94% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
4 Year Super Jumbo Certificate
$100,000
2.94% ▲ 0.04% above Alabama avg
View
▼
Rate2.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.04% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 4 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
4 Year Traditional IRA Certificate
$0
2.94% ▲ 0.04% above Alabama avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average2.90%▲ 0.04% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 4 times
2.44%2.94%3.44%Sep 14, 2026: 2.94% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
8650 Madison Blvd, Madison, AL 35758
4 Year CD
$500
1.15% ▼ 1.75% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.90%▼ 1.75% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
48 Month Certificate of Deposit
$0
0.03% ▼ 2.87% below Alabama avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.90%▼ 2.87% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
48 Month Certificate of Deposit
$0
0.02% ▼ 2.88% below Alabama avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.90%▼ 2.88% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
48 Month Certificate of Deposit
$0
0.01% ▼ 2.89% below Alabama avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.90%▼ 2.89% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificates of Deposit Regular - 48 Months
$0
4.70% ▲ 1.80% above Alabama avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 1.80% above avgNationally 2.80%
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 14, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 48 Month
$1,000
4.31% ▲ 1.41% above Alabama avg
View
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.41% above avgNationally 2.80%
Details

IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity

Rate History
No change since Oct 10, 2026 · 4.31% APY · checked 2 times
3.81%4.31%4.81%Oct 10, 2026: 4.31% APYOct 10, 2026Oct 14, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4 Year C.D.
$1,000
4.22% ▲ 1.32% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average2.90%▲ 1.32% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 4.22% APY · checked 5 times
3.72%4.22%4.72%Sep 24, 2026: 4.22% APYSep 24, 2026Oct 14, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 48 Months
$500
4.20% ▲ 1.30% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.30% above avgNationally 2.80%
Details

Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$100,000
4.13% ▲ 1.23% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.23% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.13%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 48 Month Jumbo
$100,000
4.13% ▲ 1.23% above Alabama avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.23% above avgNationally 2.80%
Details

Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Oct 14, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 14, 2026: 4.13% APYOct 14, 2026Oct 14, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 48 Month
$0
4.10% ▲ 1.20% above Alabama avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.20% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.10% ▲ 0.44 pts · high 4.10% / low 3.66%
3.16%3.88%4.60%Sep 14, 2026: 3.66% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.10%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$1,000
4.07% ▲ 1.17% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.17% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 48 Month
$1,000
4.07% ▲ 1.17% above Alabama avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 1.17% above avgNationally 2.80%
Details

Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97% ▲ 1.07% above Alabama avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 1.07% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 1.07% above Alabama avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 1.07% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
48 Month Business Certificates of Deposit
$500
3.85% ▲ 0.95% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 18, 2026: 3.45% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 48 Months
$500
3.85% ▲ 0.95% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 18, 2026: 3.45% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month IRA Plus Certificates
$0
3.85% ▲ 0.95% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates Plus
$0
3.85% ▲ 0.95% above Alabama avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month Certificate of Deposit
$500
3.85% ▲ 0.95% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
3.81% ▲ 0.91% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.91% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.81% ▲ 0.91% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.91% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
48 Month IRA Share Certificate
$1,000
3.75% ▲ 0.85% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Minimum balance to earn APY: Any Balance

Rate History
1 change since Sep 14, 2026 · 2.58% → 3.75% ▲ 1.17 pts · high 3.75% / low 2.58%
1.41%3.17%4.92%Sep 14, 2026: 2.58% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.75%▲ from 2.58%
  • Sep 14, 20262.58%first recorded
Emblem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Term Share Certificate - 48 Month
$1,000
3.75% ▲ 0.85% above Alabama avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Individual Retirement Accounts - 48 month
$1,000
3.75% ▲ 0.85% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates
$0
3.65% ▲ 0.75% above Alabama avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average2.90%▲ 0.75% above avgNationally 2.80%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share and IRA Certificates of Deposit - 48 Months
$1,000
3.65% ▲ 0.75% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.75% above avgNationally 2.80%
Details

$1,000.00 minimum on all CDs; CDs pay interest quarterly unless the account pays monthly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 Month IRA
$500
3.65% ▲ 0.75% above Alabama avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.75% above avgNationally 2.80%
Details

Compound Frequency: Monthly; APY assumes interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Term Share Certificate - 48 Month
$500
3.65% ▲ 0.75% above Alabama avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average2.90%▲ 0.75% above avgNationally 2.80%
Details

Compound Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026

Madison 60 Month CD Rates

Alabama 60 Month CD Average3.14% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 60 Months Fixed
$100,000
4.23% ▲ 1.09% above Alabama avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 1.09% above avgNationally 2.91%
Details

Compounding: dividend rate 4.15%, APY compounding 4.23%

Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.23% ▲ 0.21 pts · high 4.23% / low 4.02%
3.52%4.13%4.73%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.13% APYOct 4, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.23%▲ from 4.13%
  • Sep 18, 20264.13%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Jumbo Certificate - 60 Months Fixed
$100,000
4.15% ▲ 1.01% above Alabama avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 1.01% above avgNationally 2.91%
Details

Non-Compounding: dividend rate 4.15%, APY non-compounding 4.15%

Rate History
3 changes since Sep 14, 2026 · 4.02% → 4.15% ▲ 0.13 pts · high 4.23% / low 4.02%
3.52%4.13%4.73%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.13% APYOct 4, 2026: 4.23% APYOct 12, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.15%▼ from 4.23%
  • Oct 4, 20264.23%▲ from 4.13%
  • Sep 18, 20264.13%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 60 Months Fixed
$1,000
3.91% ▲ 0.77% above Alabama avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.77% above avgNationally 2.91%
Details

Compounding: dividend rate 3.85%, APY compounding 3.91%

Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYOct 4, 2026: 3.91% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Traditional and Roth IRA Certificate - 60 Months Fixed
$0
3.91% ▲ 0.77% above Alabama avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.77% above avgNationally 2.91%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Share Certificate - 60 Months Fixed
$1,000
3.85% ▲ 0.71% above Alabama avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.91%
Details

Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85%

Rate History
3 changes since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYOct 4, 2026: 3.91% APYOct 12, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.85%▼ from 3.91%
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
EvaBank
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
8848 Madison Blvd, Madison, AL 35758
60 month CD
$1,000
3.82% ▲ 0.68% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.68% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Member's Choice Share Certificate - 60 Months Fixed
$0
3.80% ▲ 0.66% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.66% above avgNationally 2.91%
Details

Compounding: dividend rate 3.75%, APY compounding 3.80%

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
4005 Lawson Ridge Dr, Madison, AL 35757
Member's Choice Share Certificate - 60 Months Fixed
$0
3.75% ▲ 0.61% above Alabama avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Alabama Average3.14%▲ 0.61% above avgNationally 2.91%
Details

Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75%

Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYOct 12, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.75%▼ from 3.80%
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
53 Hughes Rd, Madison, AL 35758
60 Month Certificate
$0
3.41% ▲ 0.27% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.14%▲ 0.27% above avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7559 Highway 72 W Ste 114, Madison, AL 35758 8816
60-Month IRA CD
$0
3.39% ▲ 0.25% above Alabama avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.25% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.39% ▲ 0.36 pts · high 3.39% / low 3.03%
2.53%3.21%3.89%Sep 14, 2026: 3.03% APYOct 9, 2026: 3.39% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.39%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
60 Month Business Certificate of Deposits (CD)
$1,000
3.25% ▲ 0.11% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.11% above avgNationally 2.91%
Details

Interest Paid: Monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8566 Madison Blvd, Madison, AL 35758
60-Month CD
$1,000
3.25% ▲ 0.11% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.11% above avgNationally 2.91%
Details

Interest Paid: Monthly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
5 Year Super Jumbo Certificate
$100,000
3.14% At Alabama avg
View
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%At the averageNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.14% APY · checked 4 times
2.64%3.14%3.64%Sep 18, 2026: 3.14% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
5 Year Roth Jumbo Certificate
$0
3.09% ▼ 0.05% below Alabama avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▼ 0.05% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 5 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
5 Year Traditional Jumbo IRA Certificate
$0
3.09% ▼ 0.05% below Alabama avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▼ 0.05% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 4 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
5 Year Jumbo Certificate
$50,000
3.05% ▼ 0.09% below Alabama avg
View
▼
Rate3.04%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▼ 0.09% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
5 Year Certificate
$1,000
3.04% ▼ 0.10% below Alabama avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▼ 0.10% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
5 Year Roth Certificate
$0
3.04% ▼ 0.10% below Alabama avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▼ 0.10% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
8230 Madison Blvd, Madison, AL 35758 2002
5 Year Traditional IRA Certificate
$0
3.04% ▼ 0.10% below Alabama avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▼ 0.10% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
8650 Madison Blvd, Madison, AL 35758
5 Year CD
$500
1.25% ▼ 1.89% below Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.14%▼ 1.89% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
60 Month Certificate of Deposit
$0
0.03% ▼ 3.11% below Alabama avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.14%▼ 3.11% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
60 Month Certificate of Deposit
$0
0.02% ▼ 3.12% below Alabama avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.14%▼ 3.12% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7930 Highway 72 W, Madison, AL 35758
60 Month Certificate of Deposit
$0
0.01% ▼ 3.13% below Alabama avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.14%▼ 3.13% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
60 Month Share Certificates (CDs) - Jumbo
$1,000
4.95% ▲ 1.81% above Alabama avg
View
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.81% above avgNationally 2.91%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.95% APY
4.45%4.95%5.45%Oct 13, 2026: 4.95% APYOct 13, 2026Oct 14, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
60 Month IRA
$0
4.70% ▲ 1.56% above Alabama avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.56% above avgNationally 2.91%
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.70% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
54 - 60 Month Share Certificates - Jumbo Rate
$100,000
4.61% ▲ 1.47% above Alabama avg
View
▼
Rate4.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.47% above avgNationally 2.91%
Details

$100,000+; Compound Period: Quarterly

Rate History
No change since Oct 14, 2026 · 4.61% APY
4.11%4.61%5.11%Oct 14, 2026: 4.61% APYOct 14, 2026Oct 14, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Share Certificate Jumbo - 54-60 Months
$100,000
4.61% ▲ 1.47% above Alabama avg
View
▼
Rate4.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.47% above avgNationally 2.91%
Details

Jumbo Rate $100,000+ deposit; Compound Period: Quarterly

Rate History
No change since Oct 14, 2026 · 4.61% APY
4.11%4.61%5.11%Oct 14, 2026: 4.61% APYOct 14, 2026Oct 14, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate - Roth
$500
4.60% ▲ 1.46% above Alabama avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.46% above avgNationally 2.91%
Details

Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Oct 9, 2026: 3.40% APYOct 13, 2026: 4.60% APYOct 9, 2026Oct 14, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate - Traditional
$500
4.60% ▲ 1.46% above Alabama avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 1.46% above avgNationally 2.91%
Details

Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Oct 9, 2026: 3.40% APYOct 13, 2026: 4.60% APYOct 9, 2026Oct 14, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
54 - 60 Month Share Certificates
$2,500
4.50% ▲ 1.36% above Alabama avg
View
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.36% above avgNationally 2.91%
Details

Compound Period: Quarterly

Rate History
1 change since Sep 18, 2026 · 4.13% → 4.50% ▲ 0.37 pts · high 4.50% / low 4.13%
3.63%4.31%5.00%Sep 18, 2026: 4.13% APYOct 14, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.50%▲ from 4.13%
  • Sep 18, 20264.13%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Share Certificates - 54-60 Months
$500
4.50% ▲ 1.36% above Alabama avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.36% above avgNationally 2.91%
Details

Compound Period: Quarterly

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 14, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 60 Month
$1,000
4.36% ▲ 1.22% above Alabama avg
View
▼
Rate4.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.22% above avgNationally 2.91%
Details

IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity

Rate History
No change since Oct 10, 2026 · 4.36% APY · checked 2 times
3.86%4.36%4.86%Oct 10, 2026: 4.36% APYOct 10, 2026Oct 14, 2026
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Year C.D.
$1,000
4.32% ▲ 1.18% above Alabama avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Alabama Average3.14%▲ 1.18% above avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 4.32% APY · checked 5 times
3.82%4.32%4.82%Sep 24, 2026: 4.32% APYSep 24, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$100,000
4.28% ▲ 1.14% above Alabama avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.14% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 8 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 60 Month Jumbo
$100,000
4.28% ▲ 1.14% above Alabama avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.14% above avgNationally 2.91%
Details

Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Oct 14, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 14, 2026: 4.28% APYOct 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA
$1,000
4.23% ▲ 1.09% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.09% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 60 Month
$1,000
4.23% ▲ 1.09% above Alabama avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.09% above avgNationally 2.91%
Details

Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 60 Months
$500
4.20% ▲ 1.06% above Alabama avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.06% above avgNationally 2.91%
Details

Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Certificates of Deposit Accounts - 60 Month
$0
4.15% ▲ 1.01% above Alabama avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 1.01% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.15% ▲ 0.54 pts · high 4.15% / low 3.61%
3.07%3.88%4.69%Sep 14, 2026: 3.61% APYSep 27, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.15%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month IRA Plus Certificates
$0
4.01% ▲ 0.87% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.87% above avgNationally 2.91%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 14, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates Plus
$0
4.01% ▲ 0.87% above Alabama avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.87% above avgNationally 2.91%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.00% ▲ 0.86% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 0.86% above Alabama avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.91%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
5 year Elite Share Certificate
$10,000
4.00% ▲ 0.86% above Alabama avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
5 Year Share/IRA Certificate (CD)
$1,000
4.00% ▲ 0.86% above Alabama avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Alabama Average3.14%▲ 0.86% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 0.76% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.76% above avgNationally 2.91%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 0.71% above Alabama avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.91%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
60 Month Business Certificates of Deposit
$500
3.85% ▲ 0.71% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.91%
Details

* $500 Minimum

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
2.90%3.63%4.35%Sep 18, 2026: 3.40% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.85%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Certificates of Deposit - 60 Months
$500
3.85% ▲ 0.71% above Alabama avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
2.90%3.63%4.35%Sep 18, 2026: 3.40% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.85%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month Certificate of Deposit
$500
3.85% ▲ 0.71% above Alabama avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Alabama Average3.14%▲ 0.71% above avgNationally 2.91%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
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 Madison, Alabama Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
First National Bank of Pulaski
36 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.25%
Min: $10,000
4.25%
EvaBank
18 month CD
A 5.0 ★ TX: 6.16%
Min: $1,000
4.08%
VirtualBank
12 Month Certificate
A+ 5.0 ★ TX: 5.76%
Min: $0
3.51%
Truist
12-month CD
A+ 5.0 ★ TX: 2.87%
Min: $0
3.25%
Woodforest National Bank
2 Year CD
A- 5.0 ★ TX: 14.96%
Min: $500
2.25%
CU Top 5 Credit Union Rates
Redstone Federal Credit Union
Jumbo Certificate - 60 Months Fixed
A+ 5.0 ★ TX: 2.10%
Min: $100,000
4.23%
Family Security Credit Union
1 Year Roth Super Jumbo Certificate
A+ 5.0 ★ TX: 1.16%
Min: $0
3.76%
North Alabama Educators Credit Union
24-Month IRA CD
A+ 5.0 ★ TX: 3.45%
Min: $0
3.65%
Avadian Credit Union
24 Month Business Certificate of Deposits (CD)
A+ 5.0 ★ TX: 3.41%
Min: $1,000
3.35%
Platinum Federal Credit Union
12 Month Family Legacy Certificate Account
A+ 5.0 ★ TX: 1.89%
Min: $0
5.00%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Madison, AL CD Rate Trends

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

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

View Full Alabama CD Trends
12-Month CD AL Avg
3.305%
▲ 0.034 vs 7 days ago

Alabama 12-month CD rates rose 0.034 points over the past 7 days to 3.305% APY.

6-Month CD AL Avg
3.189%
▲ 0.023 vs 7 days ago

Alabama 6-month CD rates rose 0.023 points over the past 7 days to 3.189% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

AL CD Rate Forecast, Next 12 Months

Where are Alabama CD rates headed through October 2027?

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

AL 12-Month Avg APY
3.305%
6-Month Forecast
3.305%
Range: 3.11%, 3.46%
12-Month Forecast
3.555%
Range: 3.36%, 3.71%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch 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 1.07% 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% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

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

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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 2.081% $104.04 $208.08 $520.20 $1,040.40
6-Month CD 3.189% $159.42 $318.85 $797.12 $1,594.25
12-Month CD 3.305% $165.26 $330.52 $826.30 $1,652.60
18-Month CD 3.224% $161.18 $322.36 $805.90 $1,611.80
24-Month CD 3.184% $159.20 $318.39 $795.98 $1,591.95
36-Month CD 3.048% $152.38 $304.76 $761.90 $1,523.80
48-Month CD 2.903% $145.15 $290.30 $725.75 $1,451.50
60-Month CD 3.138% $156.92 $313.83 $784.58 $1,569.15
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
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Sample CD Ladder for Madison, 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 2.081% $104.04
2 6-Month CD $5,000 3.189% $159.42
3 12-Month CD $5,000 3.305% $165.26
4 24-Month CD $5,000 3.184% $159.20
5 36-Month CD $5,000 3.048% $152.38
Total ($25,000 invested) $25,000 2.961% blended $740.30/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.

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946
CD Rates
Tracked in Madison, Alabama
21 Banks 72 Credit Unions

About Our Madison, Alabama CD Rate Database

MonitorBankRates tracks 946 CD rates from 21 banks and 72 credit unions with locations in Madison, 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 to 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: First National Bank of Pulaski offers a CD at 4.25% APY with a minimum deposit of $10,000. Use the rate table above to compare all current offers in Madison, Alabama.

How to Find the Best CD Rates in Madison, Alabama

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

To find the best APYs in Madison, Alabama, start with credit unions and online-only banks: Madison, Alabama has 72 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 Madison, 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 Madison, Alabama: 93 institutions here report CD rates

Consider an Alternative If…

Madison, Alabama Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
12.7%
National avg: 17.3%
Median Individual Earnings
$70,087
National avg: $47,340
Poverty Rate
4.3%
National avg: 11.1%
Unemployment Rate
2.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$232/yr
At AL 12-mo avg 3.305% APY

12.7% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.2% reflects a strong local economy. At today’s AL 12-month CD average of 3.305%, saving 10% of the local median salary ($7,008/year) and putting it in a CD would earn an additional $232 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 Madison, 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 to 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 Madison, 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 Madison, 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 Madison, Alabama as everywhere in the U.S.

Choosing a CD Term in Madison, 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 Madison, Alabama savers easier access to their funds. For example, EvaBank is offering its 6 month CD at 4.04% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Redstone Federal Credit Union is offering its Jumbo Certificate - 60 Months Fixed at 4.23% 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 Madison, 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 Madison, 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 Madison, 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 Madison, 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 Madison, Alabama

Most CDs carry a fixed rate that is locked for the entire term, protecting a Madison, 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 Madison, Alabama

Are CD rates in Madison, Alabama FDIC insured?

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

Here are recent top rates found for this area:
  • First National Bank of Pulaski: 4.25% APY (36 Month Certificate of Deposit)
  • Redstone Federal Credit Union: 4.23% APY (Jumbo Certificate - 60 Months Fixed)
  • EvaBank: 4.08% APY (18 month CD)
  • Family Security Credit Union: 3.76% APY (1 Year Roth Super Jumbo Certificate)
  • North Alabama Educators Credit Union: 3.65% APY (24-Month IRA CD)
  • VirtualBank: 3.51% APY (12 Month Certificate)
  • Avadian Credit Union: 3.35% APY (24 Month Business Certificate of Deposits (CD))
  • Truist: 3.25% APY (12-month CD)
  • Woodforest National Bank: 2.25% APY (2 Year CD)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
Rates reflect recent verified offers available in Madison, Alabama. Last Updated: October 14, 2026

Madison, Alabama CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Madison, Alabama rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Madison, Alabama CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Madison, Alabama. Averages shown use the Alabama state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Madison, Alabama

Madison, Alabama CD Calculator

At today’s AL top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.

Madison, Alabama CD Ladder

AL CD rates currently range from 2.081% (3-month) to 3.048% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Madison, Alabama CD at 4.25% APY, know your exit cost. Most institutions charge 90 to 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 3.305% 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 Madison, 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 Madison, 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 Madison, 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: October 14, 2026

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