Credit union · NCUA insured
Alabama Central CU Savings Rates
Alabama Central CU’s best savings rate is 0.60% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Alabama Central CU’s savings 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
0.60%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $60
Money Market Account
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
First Southern Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Alabama Central CU savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.60%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.60%APY
Opening minimum deposit of $2,500. Start earning dividends with a minimum balance of $2,500, with earnings compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.50% | — |
| $10,000 – $49,999 | 0.60% | $60 |
| $50,000 – $99,999 | 0.70% | — |
| $100,000 and up | 0.80% | — |
Regular Savings
0.20%APY
Both Regular Share and Daily Share Accounts available. Establishes membership with Alabama Central.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 – $2,500Earn dividends on daily balance of $100 or more; compounded and credited monthly. 6 free withdrawals per month, $2 fee for withdrawals in excess thereafter. · $5 to open | 0.10% | $5 | — | Earn dividends on daily balance of $100 or more; compounded and credited monthly. 6 free withdrawals per month, $2 fee for withdrawals in excess thereafter. |
| Over $2,500Daily Share Account. Avoid $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. Dividends compounded and credited monthly on daily balance of $2,500 or more. 6 free withdrawals per month, $2 fee for excess withdrawals. · $2,500 to open | 0.20% | $2,500 | $20 | Daily Share Account. Avoid $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. Dividends compounded and credited monthly on daily balance of $2,500 or more. 6 free withdrawals per month, $2 fee for excess withdrawals. |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
Kid Central Savings
0.60%APY
Designed for children and teens age 19 and younger (or 18 and under).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarn dividends on daily balance of $5 or more, compounded and credited monthly.$5 and up | 0.60% | $60 | Earn dividends on daily balance of $5 or more, compounded and credited monthly. |
Sources (4)
- alabamacentral.org
- alabamacentral.org/kid-central-savings
- alabamacentral.org/personal-savings
- alabamacentral.org/rates
All captured Sep 19, 2026
IRA Savings
0.15%APY
Traditional and Roth IRAs available. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upCompetitive dividends earned on balances of $500 or more; compounded and credited monthly. No setup fees, and no monthly or annual maintenance fees.$500 and up | 0.15% | $15 | Competitive dividends earned on balances of $500 or more; compounded and credited monthly. No setup fees, and no monthly or annual maintenance fees. |
Sources (4)
- alabamacentral.org
- alabamacentral.org/personal-savings
- alabamacentral.org/rates
- alabamacentral.org/retirement-accounts-iras
All captured Sep 19, 2026
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.