Credit union · NCUA insured
Birmingham City Credit Union CD Rates
Birmingham City Credit Union’s best CD rate is 5.00% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Birmingham City Credit Union’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where Birmingham City Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Birmingham City Credit Union
5.00%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $759
Share Certificates
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
3rd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Birmingham City Credit Union CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo5.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified5.00%
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 Birmingham City 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 Certificates
Up to 5.00%APY · 8 terms
Deposit $500.00 minimum to start. Rates are current as of press date and subject to change without prior notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 1.50% | $75 |
| 12 months | 2.50% | $250 |
| 18 months | 5.00% | $759 |
| 24 months | 3.50% | $712 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- bhamcu.org/accounts/rates-savings · captured Sep 19, 2026
Who can join Birmingham City Credit Union
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