Credit union · NCUA insured
Mutual Savings Credit Union CD Rates
Mutual Savings Credit Union’s best CD rate is 4.00% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Mutual Savings Credit Union’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where Mutual Savings Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mutual Savings Credit Union
4.00%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,167
Share Certificates
Top rate
Birmingham City Credit Union
5.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $759
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Mutual Savings Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Mutual Savings 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.
Elite Share Certificates
Up to 4.00%APY · 3 terms
Early withdrawal penalties apply for share certificates. Rates quoted are best available and subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 36 months | 3.80% | $1,184 |
| 60 months | 4.00% | $2,167 |
Sources (1)
- mutualsavings.org/everyday-living/savings-rates · captured Oct 5, 2026
Share Certificates
Up to 4.00%APY · 6 terms
Early withdrawal penalties apply for share certificates. Rates quoted are best available and subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.30% | $81 |
| 6 months | 3.40% | $169 |
| 12 months | 3.50% | $350 |
| 24 months | 3.70% | $754 |
| 36 months | 3.80% | $1,184 |
| 60 months | 4.00% | $2,167 |
Sources (1)
- mutualsavings.org/everyday-living/savings-rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 6 terms
Early withdrawal penalties apply for share certificates. Rates quoted are best available and subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.30% | $81 |
| 6 months | 3.40% | $169 |
| 12 months | 3.50% | $350 |
| 24 months | 3.70% | $754 |
| 36 months | 3.80% | $1,184 |
| 60 months | 4.00% | $2,167 |
Sources (1)
- mutualsavings.org/everyday-living/savings-rates · captured Oct 5, 2026
Who can join Mutual Savings Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live, work, worship, or attend school within a 50-mile radius of Alexander City.
- Eligible to join if you reside in, work, worship, or attend school in Autauga, Bibb, Blount, Chilton, Clay, Coosa, Dallas, Jefferson, Shelby, St. Clair, Talladega, Tuscaloosa, or Walker County.
Employers and groups
- Eligible to join if you work for one of Mutual Savings Credit Union's Preferred Partner Groups.
Family and household
- Eligible to join if you are an immediate family member of a current member.
Membership information collected October 4, 2026.