Credit union · NCUA insured
Family Security Credit Union CD Rates
Family Security Credit Union’s best CD rate is 3.87% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Family Security Credit Union’s CD rates compare
Compared with banks and credit unions near Decatur, AL, where Family Security Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family Security Credit Union
3.76%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $376
Share Certificate
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
Family Security Credit Union CD score
80
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo3.61%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.76%
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 Family Security 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 3.76%APY · 6 terms
Primary share account required. Interest compounded monthly. One-time, complimentary bump in interest privilege permitted for remaining term. Maintenance or activity fees could reduce earnings. Early withdrawal penalties may apply.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.56% | 3.61% | 3.66% | 3.56%3.61% from $50k3.66% from $100k | $176 |
| 12 months | 3.76% | 3.82% | 3.87% | 3.76%3.82% from $50k3.87% from $100k | $376 |
| 24 months | 3.61% | 3.66% | 3.71% | 3.61%3.66% from $50k3.71% from $100k | $735 |
| 36 months | 3.20% | 3.25% | 3.30% | 3.20%3.25% from $50k3.30% from $100k | $991 |
| 48 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $50k3.35% from $100k | $1,365 |
| 60 months | 3.30% | 3.35% | 3.40% | 3.30%3.35% from $50k3.40% from $100k | $1,763 |
Special-purpose accounts
IRA Certificate
Up to 3.87%APY · 5 terms
Available in Traditional and Roth IRA certificate options. Maintenance or activity fees could reduce earnings. Early withdrawal penalties and IRS penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.76% | $376 |
| 12 monthsJumbo IRA Certificate | 3.82% | $382 |
| 12 monthsSuper Jumbo IRA Certificate | 3.87% | $387 |
| 24 months | 3.61% | $735 |
| 24 monthsJumbo IRA Certificate | 3.66% | $745 |
| 24 monthsSuper Jumbo IRA Certificate | 3.71% | $756 |
| 36 months | 3.20% | $991 |
| 36 monthsJumbo IRA Certificate | 3.25% | $1,007 |
| 36 monthsSuper Jumbo IRA Certificate | 3.30% | $1,023 |
| 48 months | 3.25% | $1,365 |
| 48 monthsJumbo IRA Certificate | 3.30% | $1,387 |
| 48 monthsSuper Jumbo IRA Certificate | 3.35% | $1,409 |
| 60 months | 3.30% | $1,763 |
| 60 monthsJumbo IRA Certificate | 3.35% | $1,791 |
| 60 monthsSuper Jumbo IRA Certificate | 3.40% | $1,820 |
Coverdell Education Savings Account Certificate
Up to 3.76%APY · 5 terms
Maintenance or activity fees could reduce earnings. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.76% | $376 |
| 24 months | 3.61% | $735 |
| 36 months | 3.20% | $991 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.30% | $1,763 |
Who can join Family Security Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals and businesses who live, work, worship, attend school, or operate in the counties served across Alabama are eligible for membership.
Employers and groups
- Employees and retirees of Ruby Tuesday, Inc. and the Compass Group family of companies, as well as organizations of such persons, are eligible for membership.
Family and household
- Families of members are eligible for membership.
Other ways
- Residents of Alabama, Mississippi, Tennessee, Florida, or Georgia are eligible for membership through free membership in the Alabama Consumer Council (ACC).
Membership information collected October 4, 2026.