Credit union · NCUA insured
Northeast Alabama Postal FCU CD Rates
Northeast Alabama Postal FCU’s best CD rate is 4.15% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Northeast Alabama Postal FCU’s CD rates compare
Compared with banks and credit unions near Anniston, AL, where Northeast Alabama Postal FCU has the most branches. $10,000, best rate first.
This credit union’s best
Northeast Alabama Postal FCU
4.15%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $102
CD
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
Northeast Alabama Postal FCU CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo3.75%
- 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 Northeast Alabama Postal FCU 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.
CD
Up to 4.15%APY · 6 terms
Available to members. Offer and rates subject to change. Minimum balance to open is $500. Maximum CD balance $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Days Special APY. Early withdrawal penalties apply | 4.15% | $102 |
| 12 months1 Year APY. Early withdrawal penalties apply | 4.00% | $400 |
| 24 months2 Years APY. Early withdrawal penalties apply | 3.90% | $795 |
| 36 months3 Years APY. Early withdrawal penalties apply | 3.75% | $1,168 |
| 48 months4 Years APY. Early withdrawal penalties apply | 3.60% | $1,520 |
| 60 months5 Years APY. Early withdrawal penalties apply | 3.50% | $1,877 |
Sources (1)
- neapfcu.com/loans · captured Sep 19, 2026
Special-purpose accounts
IRA CD
Up to 4.10%APY · 6 terms
Available to members. Offer and rates subject to change. Minimum balance to open is $500. Maximum CD balance $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month IRA APY. Early withdrawal penalties apply | 4.10% | $203 |
| 12 months12 Month IRA APY. Early withdrawal penalties apply | 4.05% | $405 |
| 24 months24 Month IRA APY. Early withdrawal penalties apply | 3.90% | $795 |
| 36 months36 Month IRA APY. Early withdrawal penalties apply | 3.85% | $1,200 |
| 48 months48 Month IRA APY. Early withdrawal penalties apply | 3.80% | $1,609 |
| 60 months60 Month IRA APY. Early withdrawal penalties apply | 3.75% | $2,021 |
Sources (1)
- neapfcu.com/loans · captured Sep 19, 2026
Who can join Northeast Alabama Postal FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Postal employees in Calhoun, Cleburne, Clay, Randolph, and Talladega counties are eligible for membership.
Family and household
- Immediate family members, including spouse, parent of spouse, parent of employee, child of member (regardless of residence or employment), brothers, sisters, and sibling's children, are eligible for membership.
Cost to join
- A $1.00 membership fee is waived at this time.
- A deposit of $25.00 is required to join.
Membership information collected October 4, 2026.