Birmingham, Alabama (AL) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Birmingham, Alabama and the surrounding area include Avadian Credit UnionAvadian Credit Union475 Green Springs Hwy, Birmingham, AL 35209 4921A+5.0 ★Texas Ratio: 3.11% Centsible Savings2 at 7.00% APY, First US Bank (AL)First US Bank (AL)3291 Highway 280 E, Birmingham, AL 35243A+5.0 ★Texas Ratio: 3.21% NextGEN Savings at 5.12% APY, Legacy Community Federal Credit UnionLegacy Community Federal Credit Union1400 20th St S, Birmingham, AL 35205 4914A+5.0 ★Texas Ratio: 1.54% Incentive Savings at 5.00% APY, FirstBank (TN)FirstBank (TN)100 Office Park Dr, Birmingham, AL 35223A5.0 ★Texas Ratio: 6.39% FirstUp Savings at 3.82% APY, and PNC BankPNC Bank1819 5th Ave N, Birmingham, AL 35203A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Birmingham, Alabama, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Birmingham, Alabama (AL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Birmingham, Alabama and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Birmingham, Alabama & Surrounding Communities
Qualifying balance up to $1000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifications Required: recurring monthly transfer totaling $50.00 or more from the FirstBank personal checking or FirstBank personal money market; Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
Qualifying balance up to 1.50%
CB matches 5% of rounded-up savings quarterly
($25.00 minimum balance required) (You must maintain a minimum average daily balance of $100.00 in your account to obtain the disclosed annual percentage yield)
No minimum balance; Available for minors under 18
Qualifications Required: 12 debit card purchases post and settle; 1 direct deposit or ACH payment transaction post and settle; Qualifying balance up to $15,000
Qualifications Required: 12 debit card purchases post and settle; 1 direct deposit or ACH payment transaction post and settle; Qualifying balance up to $15,000
No maintenance charge for average daily balances of $10,000 or more
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Great for balances over $10k; No maintenance charge for average daily balances of $10,000 or more
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Comes with a card for ATM withdrawals; No maintenance charge for average daily balances of $300 or more
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Birmingham, AL Savings Rate Trends
Compare local Birmingham, AL savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Alabama high-yield savings rates fell 0.398 points this week to 1.084% APY, down from 1.482% last week.
Alabama standard savings rates rose 0.193 points this week to 0.528% APY, up from 0.335% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Birmingham, Alabama directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Birmingham, Alabama. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in AL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Birmingham, Alabama
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Birmingham, Alabama safe?
How often do savings rates change in Birmingham, Alabama?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Birmingham, Alabama?
How do I open a savings account in Birmingham, Alabama?
Best Savings Rates in Birmingham, Alabama
- Avadian Credit Union
Centsible Savings2 — 7.00% APY - First US Bank (AL)
NextGEN Savings — 5.12% APY - Legacy Community Federal Credit Union
Incentive Savings — 5.00% APY - FirstBank (TN)
FirstUp Savings — 3.82% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY
