Credit union · NCUA insured
AlaTrust Credit Union CD Rates
AlaTrust Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How AlaTrust Credit Union’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where AlaTrust Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AlaTrust Credit Union
3.75%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $375
CD Special
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
AlaTrust Credit Union CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.75%
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 AlaTrust 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.
CD Special
3.75%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.75% | $375 |
Sources (1)
- alatrustcu.com · captured Sep 19, 2026
Certificate of Deposit
Up to 3.75%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPaid at maturity | 3.25% | $80 |
| 6 monthsPaid quarterly | 3.50% | $173 |
| 12 monthsPaid quarterly | 3.75% | $375 |
| 18 monthsPaid quarterly | 3.25% | $491 |
| 24 monthsPaid quarterly | 3.00% | $609 |
| 30 monthsPaid quarterly | 2.75% | $702 |
| 36 monthsPaid quarterly | 3.00% | $927 |
| 48 monthsPaid quarterly | 3.00% | $1,255 |
| 60 monthsPaid quarterly | 3.25% | $1,734 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Share Certificate
Up to 3.75%APY · 8 terms
Early or unqualified withdrawals subject to penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.75% | $375 |
| 18 months | 3.25% | $491 |
| 24 months | 3.00% | $609 |
| 30 months | 2.75% | $702 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.25% | $1,734 |
Sources (2)
All captured Sep 19, 2026
Who can join AlaTrust Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.