Credit union · NCUA insured
Coosa Pines Federal Credit Union CD Rates
Top CarrotCoosa Pines Federal Credit Union’s best CD rate is 4.00% APY on an 8-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Coosa Pines Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where Coosa Pines Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Coosa Pines Federal Credit Union
4.00%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $265
Share Certificates
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
Coosa Pines Federal Credit Union CD score
81
CD score
Higher than 55% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.00%
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 Coosa Pines 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 Certificates
Up to 4.00%APY · 7 terms
The minimum deposit required to open a certificate is $500.00, which is the minimum balance required to earn the stated APY. Early withdrawal penalties may apply. Fees or penalties assessed to accounts may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 8 monthsSpecial certificate rate | 4.00% | $265 |
| 12 months | 3.75% | $375 |
| 24 monthsThe Bump-Up option is available on new certificates with terms of 24 months or greater | 3.00% | $609 |
| 36 monthsThe Bump-Up option is available on new certificates with terms of 24 months or greater | 2.75% | $848 |
| 48 monthsThe Bump-Up option is available on new certificates with terms of 24 months or greater | 2.75% | $1,146 |
| 60 monthsThe Bump-Up option is available on new certificates with terms of 24 months or greater | 2.75% | $1,453 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 7 terms
An IRA certificate does not offer a monthly paid dividend option. The minimum deposit required to open a certificate is $500.00, which is the minimum balance required to earn the stated APY. Early withdrawal penalties apply to certificate funds in excess of dividends earned. Fees assessed to accounts may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 8 monthsSpecial certificate rate | 4.00% | $265 |
| 12 months | 3.75% | $375 |
| 24 monthsThe Bump-Up option is available on new certificates with terms of 24 months or greater | 3.00% | $609 |
| 36 monthsThe Bump-Up option is available on new certificates with terms of 24 months or greater | 2.75% | $848 |
| 48 monthsThe Bump-Up option is available on new certificates with terms of 24 months or greater | 2.75% | $1,146 |
| 60 monthsThe Bump-Up option is available on new certificates with terms of 24 months or greater | 2.75% | $1,453 |
Sources (2)
All captured Oct 5, 2026
Who can join Coosa Pines Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in and businesses and other legal entities located within Clay, Coosa, Jefferson, Shelby, St. Clair, and Talladega Counties, Alabama are eligible for membership.
Employers and groups
- Employees of Coosa Pines Federal Credit Union are eligible for membership.
- Organizations of eligible persons are eligible for membership.
Family and household
- Immediate family members (including step and adoptive relationships) and household members of existing credit union members are eligible for membership regardless of residency.
Other ways
- Spouses of persons who died while within the field of membership of this credit union are eligible to join.
Cost to join
- Joining requires a minimum opening deposit of $5.00 to a share/savings account.
Membership information collected October 4, 2026.