Credit union · NCUA insured
North Alabama Educators Credit Union CD Rates
North Alabama Educators Credit Union’s best CD rate is 4.06% APY on a 13-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How North Alabama Educators Credit Union’s CD rates compare
Compared with banks and credit unions near Huntsville, AL, where North Alabama Educators Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
North Alabama Educators Credit Union
4.06%APY
- Term
- 13 months
- Minimum
- $2,000
- Earns on $10,000
- $441
Share Certificates
Top rate
First Jackson Bank
5.01%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,769
2nd-highest rate
Local Bank
4.40%APY
- Term
- 13 months
- Minimum
- $2,500
- Earns on $10,000
- $478
North Alabama Educators Credit Union CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo3.19%
- QualifiedQualified4.06%
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 North Alabama Educators 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.
Special-purpose accounts
Share Certificates
Up to 4.06%APY · 9 terms
A minimum balance of $1,000 is required for regular Share Certificates ($300 for minor accounts age 0-18). Dividends paid quarterly into account of choice. Early withdrawal penalty applies. 12-month certificate has a 1-time penalty-free withdrawal.
| Term | APY · $1,000 and up | APY · $2,000 – $50,000 | APY · $5,000 – $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsSpecial 6-Month CD offer. Limited to a minimum of $2,000 and $50,000 max per primary member per calendar month. Compounding dividends. Early withdrawal penalty applies | — | 3.65% | — | 3.65% | $181 |
| 6 monthsSpecial 6-Month CD offer. Limited to a minimum of $2,000 and $50,000 max per primary member per calendar month. Non-compounding; dividend payments are mandatory, but dividends cannot remain in the account. Early withdrawal penalty applies | — | 3.60% | — | 3.60% | $178 |
| 9 monthsCompounding dividends. Early withdrawal penalty applies. $300 minimum balance for minor accounts (Age 0-18) | 2.68% | — | — | 2.68% | $200 |
| 9 monthsNon-compounding; dividend payments are mandatory, but dividends cannot remain in the account. Early withdrawal penalty applies. $300 minimum balance for minor accounts (Age 0-18) | 2.65% | — | — | 2.65% | $198 |
| 11 monthsSpecial 11-Month CD offer. Limited to a minimum of $5,000 and $50,000 max per member per calendar month. Compounding dividends. Early withdrawal penalty applies | — | — | 4.01% | 4.01% | $367 |
| 11 monthsSpecial 11-Month CD offer. Limited to a minimum of $5,000 and $50,000 max per member per calendar month. Non-compounding; dividend payments are mandatory, but dividends cannot remain in the account. Early withdrawal penalty applies | — | — | 3.95% | 3.95% | $361 |
| 12 months12-month CD has 1 time penalty-free withdrawal. Compounding dividends. $300 minimum balance for minor accounts (Age 0-18) | 3.03% | — | — | 3.03% | $303 |
| 12 months12-month CD has 1 time penalty-free withdrawal. Non-compounding; dividend payments are mandatory, but dividends cannot remain in the account. $300 minimum balance for minor accounts (Age 0-18) | 3.00% | — | — | 3.00% | $300 |
| 13 monthsSpecial 13-Month CD offer. Limited to a minimum of $2,000 and $50,000 max per primary member per calendar month. Compounding dividends. Early withdrawal penalty applies | — | 4.06% | — | 4.06% | $441 |
| 13 monthsSpecial 13-Month CD offer. Limited to a minimum of $2,000 and $50,000 max per primary member per calendar month. Non-compounding; dividend payments are mandatory, but dividends cannot remain in the account. Early withdrawal penalty applies | — | 4.00% | — | 4.00% | $434 |
| 18 monthsCompounding dividends. Early withdrawal penalty applies. $300 minimum balance for minor accounts (Age 0-18) | 2.88% | — | — | 2.88% | $435 |
| 18 monthsNon-compounding; dividend payments are mandatory, but dividends cannot remain in the account. Early withdrawal penalty applies. $300 minimum balance for minor accounts (Age 0-18) | 2.85% | — | — | 2.85% | $431 |
| 24 monthsCompounding dividends. Early withdrawal penalty applies. $300 minimum balance for minor accounts (Age 0-18) | 2.93% | — | — | 2.93% | $595 |
| 24 monthsNon-compounding; dividend payments are mandatory, but dividends cannot remain in the account. Early withdrawal penalty applies. $300 minimum balance for minor accounts (Age 0-18) | 2.90% | — | — | 2.90% | $588 |
| 27 monthsCompounding dividends. Early withdrawal penalty applies. $300 minimum balance for minor accounts (Age 0-18) | 3.03% | — | — | 3.03% | $695 |
| 27 monthsNon-compounding; dividend payments are mandatory, but dividends cannot remain in the account. Early withdrawal penalty applies. $300 minimum balance for minor accounts (Age 0-18) | 3.00% | — | — | 3.00% | $688 |
| 36 monthsCompounding dividends. Early withdrawal penalty applies. $300 minimum balance for minor accounts (Age 0-18) | 3.19% | — | — | 3.19% | $988 |
| 36 monthsNon-compounding; dividend payments are mandatory, but dividends cannot remain in the account. Early withdrawal penalty applies. $300 minimum balance for minor accounts (Age 0-18) | 3.15% | — | — | 3.15% | $975 |
IRA Certificates of Deposit
Up to 3.65%APY · 5 terms
Traditional, Roth, Educational, and SEP IRAs available. IRA Certificates compound quarterly. A substantial penalty is imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsEarly withdrawal penalty may be imposed | 3.03% | $458 |
| 24 months24-Month Special. Early withdrawal penalty may be imposed | 3.65% | $743 |
| 36 monthsEarly withdrawal penalty may be imposed | 3.19% | $988 |
| 48 monthsEarly withdrawal penalty may be imposed | 3.29% | $1,382 |
| 60 monthsEarly withdrawal penalty may be imposed | 3.39% | $1,814 |
Who can join North Alabama Educators Credit Union
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