Credit union · NCUA insured
Alabama Central CU CD Rates
Alabama Central CU’s best CD rate is 3.90% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How Alabama Central CU’s CD rates compare
Compared with banks and credit unions near Florence, AL, where Alabama Central CU has the most branches. $10,000, best rate first.
This credit union’s best
Alabama Central CU
3.55%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $355
Share Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
Alabama Central CU CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.55%
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 Alabama Central CU 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 Certificates
Up to 3.55%APY · 4 terms
Dividends are compounded and credited monthly. No setup or maintenance fees. Early withdrawals are subject to penalties. Can be used as collateral to secure loans.
| Term | APY · $500 – $100,000 | APY · $100,000 – $245,000 | APY · $245,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months | 3.55% | 3.70% | 3.80% | 3.90% | 3.55%3.70% $100k–$245k3.80% $245k–$1,000k3.90% from $1,000k | $355 |
| 24 months | 3.35% | 3.40% | 3.50% | 3.60% | 3.35%3.40% $100k–$245k3.50% $245k–$1,000k3.60% from $1,000k | $681 |
| 36 months | 3.25% | 3.35% | 3.45% | 3.55% | 3.25%3.35% $100k–$245k3.45% $245k–$1,000k3.55% from $1,000k | $1,007 |
| 60 months | 3.20% | 3.25% | 3.30% | 3.40% | 3.20%3.25% $100k–$245k3.30% $245k–$1,000k3.40% from $1,000k | $1,706 |
Who can join Alabama Central CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in any of the 29 specified Alabama counties are eligible for membership.
Membership information collected October 4, 2026.