Bank · FDIC insured
Local Bank CD Rates
Top CarrotLocal Bank’s best CD rate is 4.40% APY on a 13-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Local Bank’s CD rates compare
Compared with banks and credit unions near Huntsville, AL, where Local Bank has the most branches. $10,000, best rate first.
This bank’s best
Local Bank
4.40%APY
- Term
- 13 months
- Minimum
- $2,500
- Earns on $10,000
- $478
Certificate of Deposit
Top rate
First Jackson Bank
5.01%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,769
3rd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Local Bank CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.60%
- QualifiedQualified4.40%
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 Local 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.
Certificate of Deposit
Up to 4.40%APY · 6 terms
CDs must have a minimum opening balance of $2,500. Maximum deposit is $250,000 per CD. Offer subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 4.10% | $410 |
| 13 monthsPromo offer is available for new money or maturities only. This promotional rate is available for a limited time and may not be combined with any other rate promotion, special pricing, discount, or incentive. Eligibility requirements apply. Offer subject to change without notice. Rates may change at any time. Fees may reduce earnings | 4.40% | $478 |
| 24 months | 3.10% | $630 |
| 36 months | 3.35% | $1,039 |
| 60 months | 3.60% | $1,934 |
Sources (4)
All captured Oct 15, 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.