Credit union · NCUA insured
AOD Federal Credit Union CD Rates
Top CarrotAOD Federal Credit Union’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How AOD Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Anniston, AL, where AOD Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AOD Federal Credit Union
3.50%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $173
Share Certificate
Top rate
Farmers & Merchants Bank
4.32%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,355
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
AOD Federal Credit Union CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo0.49%
- QualifiedQualified3.50%
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 AOD 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 3.50%APY · 9 terms
Penalty may be imposed for early withdrawal of principal before maturity. Automatically renews for the same term at maturity unless instructed otherwise. Membership required. Dividends compound monthly.
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 0.10% | — | 0.10% | $5 |
| 6 monthsSpecial rate | 3.50% | — | 3.50% | $173 |
| 8 months | 1.89% | — | 1.89% | $126 |
| 12 months | 0.12% | — | 0.12% | $12 |
| 12 monthsSpecial rate | 3.25% | — | 3.25% | $325 |
| 18 monthsRenewal Rate only, no new 18 month Certificates | 0.12% | — | 0.12% | $18 |
| 24 months | 0.23% | — | 0.23% | $46 |
| 25 months250 Celebration Certificate | 2.50% | — | 2.50% | $528 |
| 36 months | 0.39% | — | 0.39% | $117 |
| 48 months | — | 0.46% | 0.46% | $185 |
| 60 months | — | 0.49% | 0.49% | $247 |
Special-purpose accounts
IRA Certificate
Up to 2.00%APY · 4 terms
Early withdrawal penalty may be imposed for withdrawal before maturity date. Upon maturity, the term share certificate will automatically renew for the same term at the rate in effect at renewal unless instructed otherwise. Membership required. Dividends compounded monthly. No administration fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 2.00% | $301 |
| 36 months | 0.39% | $117 |
| 48 months | 0.46% | $185 |
| 60 months | 0.49% | $247 |
Education IRA Certificate
Up to 0.49%APY · 4 terms
Early withdrawal penalty may be imposed for withdrawal before maturity date. Dividends compounded monthly. No administration fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 0.12% | $18 |
| 36 months | 0.39% | $117 |
| 48 months | 0.46% | $185 |
| 60 months | 0.49% | $247 |
ROTH IRA Certificate
Up to 0.49%APY · 4 terms
Early withdrawal penalty may be imposed for withdrawal before maturity date. Dividends compounded monthly. No administration fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 0.12% | $18 |
| 36 months | 0.39% | $117 |
| 48 months | 0.46% | $185 |
| 60 months | 0.49% | $247 |
Who can join AOD Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.