Credit union · NCUA insured
ACIPCO Federal Credit Union CD Rates
ACIPCO Federal Credit Union’s best CD rate is 3.81% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How ACIPCO Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where ACIPCO Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ACIPCO Federal Credit Union
3.81%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $189
Share Certificate
Top rate
Birmingham City Credit Union
5.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $759
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
ACIPCO Federal Credit Union CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.81%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.81%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where ACIPCO Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.81%APY · 4 terms
A penalty may apply for early withdrawal of funds. Minimum deposit of $1,000. Terms range from 90 days to 3 years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty may apply for early withdrawal of funds | 3.81% | $189 |
| 12 monthsA penalty may apply for early withdrawal of funds | 2.78% | $278 |
| 24 monthsA penalty may apply for early withdrawal of funds | 3.04% | $617 |
| 36 monthsA penalty may apply for early withdrawal of funds | 3.30% | $1,023 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
Up to 3.30%APY · 2 terms
A penalty may apply for early withdrawal of funds. Minimum balance required is $25,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsA penalty may apply for early withdrawal of funds | 3.04% | — |
| 36 monthsA penalty may apply for early withdrawal of funds | 3.30% | — |
Sources (1)
- acipcofcu.org/Rates/Deposit-Accounts.aspx · captured Sep 19, 2026
Who can join ACIPCO Federal Credit Union
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