Bank · FDIC insured
Exchange Bank CD Rates
Exchange Bank’s best CD rate is 4.10% APY on a 14-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Exchange Bank’s CD rates compare
Compared with banks and credit unions near Gadsden, AL, where Exchange Bank has the most branches. $10,000, best rate first.
This bank’s best
Exchange Bank
4.10%APY
- Term
- 14 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $480
Certificates of Deposit
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Exchange Bank CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo2.01%
- 31–60 months31–60 mo2.26%
- QualifiedQualified4.10%
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 Exchange Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.10%APY · 9 terms
Minimum deposit of $1,000.00 to open. Substantial penalty for early withdrawal. Automatic renewals will be at Standard Rate. 3- and 6-month term CDs compound at maturity; all others are compounded semi-annually. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounds at maturity. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026 | 2.00% | $50 |
| 6 monthsCompounds at maturity. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026 | 3.00% | $149 |
| 7 monthsCompounded semi-annually. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026 | 4.00% | $231 |
| 12 monthsCompounded semi-annually. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026 | 3.00% | $300 |
| 14 monthsCompounded semi-annually. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026 | 4.10% | $480 |
| 24 monthsCompounded semi-annually. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026 | 2.01% | $406 |
| 36 monthsCompounded semi-annually. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026 | 2.11% | $646 |
| 48 monthsCompounded semi-annually. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026 | 2.16% | $892 |
| 60 monthsCompounded semi-annually. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026 | 2.26% | $1,182 |
Sources (2)
All captured Sep 24, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.