Credit union · NCUA insured
MAX Credit Union CD Rates
Top CarrotMAX Credit Union’s best CD rate is 4.32% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How MAX Credit Union’s CD rates compare
Compared with banks and credit unions near Montgomery, AL, where MAX Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MAX Credit Union
4.32%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $543
Certificate Accounts
Top rate
Auburn University Credit Union
4.50%APY
- Term
- 42–47 months
- Minimum
- $2,500
- Earns on $10,000
- —
3rd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
MAX Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.32%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo2.52%
- QualifiedQualified4.32%
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 MAX 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.
Certificate Accounts
Up to 4.32%APY · 12 terms
Rates offered during the most recent seven calendar days. *Will renew at the current 6 month CD rate. Early withdrawal penalty is equal to 90 days of dividends not to exceed dividends earned up to the day of early withdrawal. ** Will renew at the current 12 month CD rate. Early withdrawal penalties will equal 12 month dividends on your account. The 12 month penalty on early withdrawals may deduct from the principal balance of the certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividend frequency: At Maturity. Term is 90 days | 0.20% | $5 |
| 6 monthsDividend frequency: At Maturity | 2.50% | $124 |
| 7 monthsDividend frequency: At Maturity. Will renew at the current 6 month CD rate. Early withdrawal penalty is equal to 90 days of dividends not to exceed dividends earned up to the day of early withdrawal | 4.00% | $231 |
| 12 monthsDividend frequency: Quarterly | 2.52% | $252 |
| 15 monthsDividend frequency: Quarterly. Will renew at the current 12 month CD rate. Early withdrawal penalties will equal 12 month dividends on your account. The 12 month penalty on early withdrawals may deduct from the principal balance of the certificate | 4.32% | $543 |
| 18 monthsDividend frequency: Quarterly | 2.52% | $380 |
| 24 monthsDividend frequency: Quarterly | 2.52% | $510 |
| 30 monthsDividend frequency: Quarterly | 0.75% | $189 |
| 36 monthsDividend frequency: Quarterly | 2.52% | $775 |
| 39 months39 Month Smart Bump Up. Dividend frequency: Quarterly | 2.52% | $842 |
| 48 monthsDividend frequency: Quarterly | 2.52% | $1,047 |
| 60 monthsDividend frequency: Quarterly | 2.52% | $1,325 |
Sources (1)
- mymax.com/save/personal-financial-rates · captured Oct 15, 2026
Personal Jumbo Share Certificates
Up to 2.50%APY · 9 terms
Rates offered during the most recent seven calendar days. Minimum deposit $100,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividend frequency: At Maturity. Term is 90 days | 0.20% | $5 |
| 6 monthsDividend frequency: At Maturity | 2.50% | $124 |
| 12 monthsDividend frequency: At Maturity | 2.50% | $250 |
| 18 monthsDividend frequency: At Maturity | 2.50% | $377 |
| 24 monthsDividend frequency: At Maturity | 2.50% | $506 |
| 30 monthsDividend frequency: At Maturity | 0.75% | $189 |
| 36 monthsDividend frequency: At Maturity | 2.50% | $769 |
| 48 monthsDividend frequency: At Maturity | 2.50% | $1,038 |
| 60 monthsDividend frequency: At Maturity | 2.50% | $1,314 |
Sources (1)
- mymax.com/save/personal-financial-rates · captured Oct 15, 2026
Special-purpose accounts
Personal IRA Certificate Accounts
Up to 2.53%APY · 4 terms
Tax-advantaged individual retirement certificate account. Traditional and Roth IRAs available. Rates offered during the most recent seven calendar days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsVariable Rate. Dividend frequency: Monthly | 2.53% | $126 |
| 12 monthsFixed Rate. Dividend frequency: Monthly | 2.53% | $253 |
| 18 monthsFixed Rate. Dividend frequency: Monthly | 2.53% | $382 |
| 30 monthsFixed Rate. Dividend frequency: Monthly | 0.75% | $189 |
Sources (2)
All captured Oct 15, 2026
Who can join MAX Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.