Credit union · NCUA insured
Alabama ONE CD Rates
Top CarrotAlabama ONE’s best CD rate is 4.15% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Alabama ONE’s CD rates compare
Compared with banks and credit unions near Tuscaloosa, AL, where Alabama ONE has the most branches. $10,000, best rate first.
This credit union’s best
Alabama ONE
4.15%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $205
Certificates of Deposit Accounts
Top rate
Local Bank
4.40%APY
- Term
- 13 months
- Minimum
- $2,500
- Earns on $10,000
- $478
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Alabama ONE CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo4.15%
- QualifiedQualified4.15%
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 ONE 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.
Certificates of Deposit Accounts
Up to 4.15%APY · 7 terms
$1,000 minimum deposit required. Terms from 6 months to 5 years available. Dividends are compounded and paid quarterly and at maturity. $5 membership fee required. Early withdrawal penalties may apply. Jumbo rate qualifies for Personal CD deposits of $250,000 or more or approved exception.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded quarterly | 4.15% | $205 |
| 12 monthsDividends compounded quarterly | 4.10% | $410 |
| 18 monthsDividends compounded quarterly | 4.05% | $614 |
| 24 monthsDividends compounded quarterly | 4.00% | $816 |
| 36 monthsDividends compounded quarterly | 4.05% | $1,265 |
| 48 monthsDividends compounded quarterly | 4.10% | $1,744 |
| 60 monthsDividends compounded quarterly | 4.15% | $2,255 |
Special-purpose accounts
Certificate IRA (Traditional & Roth)
Up to 4.36%APY · 7 terms
Traditional and Roth IRA Certificate options available. $1,000 minimum to open and obtain APY. Early withdrawal penalties may apply. Certificates automatically renew at maturity. Dividends compounded and paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded quarterly | 4.36% | $216 |
| 12 monthsDividends compounded quarterly | 4.31% | $431 |
| 18 monthsDividends compounded quarterly | 4.26% | $646 |
| 24 monthsDividends compounded quarterly | 4.20% | $858 |
| 36 monthsDividends compounded quarterly | 4.26% | $1,333 |
| 48 monthsDividends compounded quarterly | 4.31% | $1,839 |
| 60 monthsDividends compounded quarterly | 4.36% | $2,379 |
Sources (1)
- alabamaone.org/rates · captured Oct 5, 2026
Who can join Alabama ONE
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 36 specified Alabama counties are eligible for membership.
Employers and groups
- Employees (current, former, retired), their immediate family members, or members of an Alabama rural electric cooperative are eligible for membership.
- Current, former, or retired employees of Select Employee Groups (SEGs) and their immediate family members are eligible for membership.
Military, government and schools
- Employees (current, former, retired), their immediate family members, and residents or patients of State of Alabama care facilities or contracted service providers are eligible for membership.
- Employees (current, former, retired) and their immediate family members of groups supportive of and working with programs under State of Alabama administration are eligible for membership.
Membership information collected October 4, 2026.