Credit union · NCUA insured
Red Oak Credit Union CD Rates
Top CarrotRed Oak Credit Union’s best CD rate is 3.85% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Red Oak Credit Union’s CD rates compare
Compared with banks and credit unions near Tuscaloosa, AL, where Red Oak Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Red Oak Credit Union
3.85%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $191
Certificates of Deposit
Top rate
Local Bank
4.40%APY
- Term
- 13 months
- Minimum
- $2,500
- Earns on $10,000
- $478
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Red Oak Credit Union CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.42%
- 16–30 months16–30 mo3.29%
- QualifiedQualified3.85%
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 Red Oak 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.
Certificates of Deposit
Up to 3.85%APY · 7 terms
Rates effective January 01, 2026. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTerm: 6 months | 3.85% | $191 |
| 12 monthsTerm: 12 months. Minimum opening balance $500 | 3.42% | $342 |
| 18 monthsTerm: 18 months. Minimum opening balance $500 | 3.29% | $498 |
| 24 monthsTerm: 24 months. Minimum opening balance $500 | 3.03% | $615 |
| 36 monthsTerm: 36 months. Minimum opening balance $50,000 | 2.50% | $769 |
| 48 monthsTerm: 48 months. Minimum opening balance $75,000 | 2.26% | $935 |
| 60 monthsTerm: 60 months. Minimum opening balance $100,000 | 2.01% | $1,046 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 3.85%APY · 7 terms
Rates effective January 01, 2026. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTerm: 6 months. IRA Certificate | 3.85% | $191 |
| 12 monthsTerm: 12 months. Minimum opening balance $500. IRA Certificate | 3.42% | $342 |
| 18 monthsTerm: 18 months. Minimum opening balance $500. IRA Certificate | 3.29% | $498 |
| 24 monthsTerm: 24 months. Minimum opening balance $500. IRA Certificate | 3.03% | $615 |
| 36 monthsTerm: 36 months. Minimum opening balance $50,000. IRA Certificate | 2.50% | $769 |
| 48 monthsTerm: 48 months. Minimum opening balance $75,000. IRA Certificate | 2.26% | $935 |
| 60 monthsTerm: 60 months. Minimum opening balance $100,000. IRA Certificate | 2.01% | $1,046 |
Sources (1)
- redoakcu.com/Rates/Savings-Rates · captured Sep 19, 2026
Who can join Red Oak Credit Union
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