Credit union · NCUA insured
Fort McClellan Credit Union CD Rates
Fort McClellan Credit Union’s best CD rate is 3.75% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Fort McClellan Credit Union’s CD rates compare
Compared with banks and credit unions near Anniston, AL, where Fort McClellan Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fort McClellan Credit Union
3.75%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $217
Share Certificates
Top rate
Farmers & Merchants Bank
4.32%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,355
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Fort McClellan Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.75%
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 Fort McClellan 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 3.75%APY · 9 terms
Fixed term savings certificate with no monthly maintenance fees. Early withdrawal penalties may apply.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 3.00% | 3.00% | $149 |
| 7 months | — | 3.75% | 3.75% | $217 |
| 12 months | — | 1.00% | 1.00% | $100 |
| 13 months | — | 3.00% | 3.00% | $325 |
| 13 monthsStart Up Certificate | 2.00% | — | 2.00% | $217 |
| 18 months | — | 3.00% | 3.00% | $453 |
| 24 months | — | 3.00% | 3.00% | $609 |
| 36 months | — | 2.75% | 2.75% | $848 |
| 48 months | — | 2.75% | 2.75% | $1,146 |
| 60 months | — | 2.75% | 2.75% | $1,453 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 3.75%APY · 9 terms
IRA Certificate of Deposit with fixed terms. Substantial penalties may apply for early withdrawal.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 3.00% | 3.00% | $149 |
| 7 months | — | 3.75% | 3.75% | $217 |
| 12 months | — | 1.00% | 1.00% | $100 |
| 13 months | — | 3.00% | 3.00% | $325 |
| 13 monthsStart Up IRA Certificate | 2.00% | — | 2.00% | $217 |
| 18 months | — | 3.00% | 3.00% | $453 |
| 24 months | — | 3.00% | 3.00% | $609 |
| 36 months | — | 2.75% | 2.75% | $848 |
| 48 months | — | 2.75% | 2.75% | $1,146 |
| 60 months | — | 2.75% | 2.75% | $1,453 |
Sources (1)
- fortmcclellancu.org/deposit-rates · captured Sep 19, 2026
Who can join Fort McClellan 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 Calhoun, Cleburne, Talladega, Clay, Randolph, Cherokee, Etowah, St Clair, and Chambers Counties are eligible for membership.
Military, government and schools
- City, County, State, and Federal employees living or working in St. Clair and Etowah Counties are eligible for membership.
- All National Guard and US Army Reserve Personnel within the trade area of FMCU are eligible for membership.
Family and household
- Any relative of members, regardless of residence or place of employment, is eligible for membership.
Cost to join
- Opening a share savings account requires a $5 deposit to establish membership.
Membership information collected October 4, 2026.