Bank · FDIC insured
First Southern State Bank CD Rates
First Southern State Bank’s best CD rate is 3.70% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First Southern State Bank’s CD rates compare
Compared with banks and credit unions near Scottsboro, AL, where First Southern State Bank has the most branches. $10,000, best rate first.
This bank’s best
First Southern State Bank
3.70%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $92
Certificates of Deposit
Top rate
First Jackson Bank
5.01%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,769
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
First Southern State Bank CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.39%
- QualifiedQualified3.70%
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 First Southern State 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 3.70%APY · 7 terms
Interest paid monthly or at maturity. Penalties for early withdrawal: maturity of 12 months or less is 1 month of interest; maturity of greater than 12 months is 3 months of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 91 Days | 3.70% | $92 |
| 6 monthsTerm: 6 Months | 3.68% | $182 |
| 12 monthsTerm: 12 Months | 3.65% | $365 |
| 24 monthsTerm: 24 Months | 3.29% | $669 |
| 36 monthsTerm: 36 Months | 3.34% | $1,036 |
| 48 monthsTerm: 48 Months | 2.02% | $833 |
| 60 monthsTerm: 60 Months | 3.39% | $1,814 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 3.67%APY · 3 terms
Offers Traditional and Roth IRAs with fixed interest rates. Penalties for early withdrawal: maturity of 12 months or less is 1 month of interest; maturity of greater than 12 months is 3 months of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm: 12 Months | 3.67% | $367 |
| 24 monthsTerm: 24 Months | 3.30% | $671 |
| 60 monthsTerm: 60 Months | 3.41% | $1,825 |
Sources (2)
All captured Sep 19, 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.