Credit union · NCUA insured
Redstone Federal Credit Union CD Rates
Redstone Federal Credit Union’s best CD rate is 4.54% APY on a 12-year share certificate (CD). Terms run from 6 months to 12 years. Rates checked October 22, 2026.
How Redstone Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Huntsville, AL, where Redstone Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Redstone Federal Credit Union
4.22%APY
- Term
- 144 months
- Minimum
- $1,000
- Earns on $10,000
- $6,422
Share Certificate
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
Redstone Federal Credit Union CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.80%
- QualifiedQualified3.80%
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 Redstone Federal 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.
Jumbo Certificate
Up to 4.54%APY · 13 terms
Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Jumbo.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounding option. Dividend rate is 3.80% | 3.87% | — |
| 6 monthsNon-compounding option. Dividend rate is 3.80%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 3.80% | — |
| 12 monthsCompounding option. Dividend rate is 3.85% | 3.92% | — |
| 12 monthsNon-compounding option. Dividend rate is 3.85%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 3.85% | — |
| 18 monthsCompounding option. Dividend rate is 3.75% | 3.82% | — |
| 18 monthsNon-compounding option. Dividend rate is 3.75%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 3.75% | — |
| 24 monthsCompounding option. Dividend rate is 3.85% | 3.92% | — |
| 24 monthsNon-compounding option. Dividend rate is 3.85%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 3.85% | — |
| 36 monthsCompounding option. Dividend rate is 3.95% | 4.02% | — |
| 36 monthsNon-compounding option. Dividend rate is 3.95%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 3.95% | — |
| 48 monthsCompounding option. Dividend rate is 4.00% | 4.07% | — |
| 48 monthsNon-compounding option. Dividend rate is 4.00%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 4.00% | — |
| 60 monthsCompounding option. Dividend rate is 4.05% | 4.13% | — |
| 60 monthsNon-compounding option. Dividend rate is 4.05%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 4.05% | — |
| 72 monthsCompounding option. Dividend rate is 4.20% | 4.28% | — |
| 72 monthsNon-compounding option. Dividend rate is 4.20%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 4.20% | — |
| 84 monthsCompounding option. Dividend rate is 4.25% | 4.33% | — |
| 84 monthsNon-compounding option. Dividend rate is 4.25%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 4.25% | — |
| 96 monthsCompounding option. Dividend rate is 4.30% | 4.39% | — |
| 96 monthsNon-compounding option. Dividend rate is 4.30%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 4.30% | — |
| 108 monthsCompounding option. Dividend rate is 4.35% | 4.44% | — |
| 108 monthsNon-compounding option. Dividend rate is 4.35%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 3.95% | — |
| 120 monthsCompounding option. Dividend rate is 4.40% | 4.49% | — |
| 120 monthsNon-compounding option. Dividend rate is 4.40%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 4.40% | — |
| 144 monthsCompounding option. Dividend rate is 4.45% | 4.54% | — |
| 144 monthsNon-compounding option. Dividend rate is 4.45%. At member's option, dividends are transferred to designated share account or issued as a monthly check. Mandatory dividend payout | 4.45% | — |
Share Certificate
Up to 4.22%APY · 13 terms
Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Standard. Note: Opening minimum is listed as $1,000 in rate schedule disclosures and $2,000 in features table.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounding option. Dividend rate is 3.50%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.55% | $176 |
| 6 monthsNon-compounding option. Dividend rate is 3.50%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.50% | $173 |
| 12 monthsCompounding option. Dividend rate is 3.55%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.60% | $360 |
| 12 monthsNon-compounding option. Dividend rate is 3.55%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.55% | $355 |
| 18 monthsCompounding option. Dividend rate is 3.45%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.49% | $528 |
| 18 monthsNon-compounding option. Dividend rate is 3.45%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.45% | $522 |
| 24 monthsCompounding option. Dividend rate is 3.55%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.60% | $733 |
| 24 monthsNon-compounding option. Dividend rate is 3.55%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.55% | $723 |
| 36 monthsCompounding option. Dividend rate is 3.65%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.70% | $1,152 |
| 36 monthsNon-compounding option. Dividend rate is 3.65%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.65% | $1,135 |
| 48 monthsCompounding option. Dividend rate is 3.70%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.75% | $1,587 |
| 48 monthsNon-compounding option. Dividend rate is 3.70%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.70% | $1,564 |
| 60 monthsCompounding option. Dividend rate is 3.75%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.80% | $2,050 |
| 60 monthsNon-compounding option. Dividend rate is 3.75%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.75% | $2,021 |
| 72 monthsCompounding option. Dividend rate is 3.90%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.96% | $2,624 |
| 72 monthsNon-compounding option. Dividend rate is 3.90%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.90% | $2,580 |
| 84 monthsCompounding option. Dividend rate is 3.95%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 4.01% | $3,168 |
| 84 monthsNon-compounding option. Dividend rate is 3.95%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 3.95% | $3,115 |
| 96 monthsCompounding option. Dividend rate is 4.00%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 4.06% | $3,749 |
| 96 monthsNon-compounding option. Dividend rate is 4.00%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 4.00% | $3,686 |
| 108 monthsCompounding option. Dividend rate is 4.05%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 4.11% | $4,369 |
| 108 monthsNon-compounding option. Dividend rate is 3.95%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 4.05% | $4,295 |
| 120 monthsCompounding option. Dividend rate is 4.10%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 4.16% | $5,032 |
| 120 monthsNon-compounding option. Dividend rate is 4.10%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 4.10% | $4,945 |
| 144 monthsCompounding option. Dividend rate is 4.15%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 4.22% | $6,422 |
| 144 monthsNon-compounding option. Dividend rate is 4.15%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table | 4.15% | $6,290 |
Member's Choice Share Certificate
Up to 4.11%APY · 9 terms
Membership required for RFCU products. Compounding and non-compounding dividend options available. After 90 days from opening, members may request to change the dividend rate to the current rate applicable to the term, and every 365 days thereafter. Not available as Jumbo Certificates. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsCompounding option. Dividend rate is 3.55%. Rate change option available after 90 days and every 365 days thereafter | 3.60% | $1,119 |
| 36 monthsNon-compounding option. Dividend rate is 3.55%. Mandatory dividend payout transferred to designated share savings account. Rate change option available after 90 days and every 365 days thereafter | 3.55% | $1,103 |
| 48 monthsCompounding option. Dividend rate is 3.60%. Rate change option available after 90 days and every 365 days thereafter | 3.65% | $1,542 |
| 48 monthsNon-compounding option. Dividend rate is 3.60%. Mandatory dividend payout transferred to designated share savings account. Rate change option available after 90 days and every 365 days thereafter | 3.60% | $1,520 |
| 60 monthsCompounding option. Dividend rate is 3.65%. Rate change option available after 90 days and every 365 days thereafter | 3.70% | $1,992 |
| 60 monthsNon-compounding option. Dividend rate is 3.65%. Mandatory dividend payout transferred to designated share savings account. Rate change option available after 90 days and every 365 days thereafter | 3.65% | $1,963 |
| 72 monthsCompounding option. Dividend rate is 3.80%. Rate change option available after 90 days and every 365 days thereafter | 3.85% | $2,544 |
| 72 monthsNon-compounding option. Dividend rate is 3.80%. Mandatory dividend payout transferred to designated share savings account. Rate change option available after 90 days and every 365 days thereafter | 3.80% | $2,508 |
| 84 monthsCompounding option. Dividend rate is 3.85%. Rate change option available after 90 days and every 365 days thereafter | 3.91% | $3,080 |
| 84 monthsNon-compounding option. Dividend rate is 3.85%. Mandatory dividend payout transferred to designated share savings account. Rate change option available after 90 days and every 365 days thereafter | 3.85% | $3,027 |
| 96 monthsCompounding option. Dividend rate is 3.90%. Rate change option available after 90 days and every 365 days thereafter | 3.96% | $3,644 |
| 96 monthsNon-compounding option. Dividend rate is 3.90%. Mandatory dividend payout transferred to designated share savings account. Rate change option available after 90 days and every 365 days thereafter | 3.90% | $3,581 |
| 108 monthsCompounding option. Dividend rate is 3.95%. Rate change option available after 90 days and every 365 days thereafter | 4.01% | $4,245 |
| 108 monthsNon-compounding option. Dividend rate is 3.95%. Mandatory dividend payout transferred to designated share savings account. Rate change option available after 90 days and every 365 days thereafter | 3.95% | $4,172 |
| 120 monthsCompounding option. Dividend rate is 4.00%. Rate change option available after 90 days and every 365 days thereafter | 4.06% | $4,888 |
| 120 monthsNon-compounding option. Dividend rate is 4.00%. Mandatory dividend payout transferred to designated share savings account. Rate change option available after 90 days and every 365 days thereafter | 4.00% | $4,802 |
| 144 monthsCompounding option. Dividend rate is 4.05%. Rate change option available after 90 days and every 365 days thereafter | 4.11% | $6,215 |
| 144 monthsNon-compounding option. Dividend rate is 4.05%. Mandatory dividend payout transferred to designated share savings account. Rate change option available after 90 days and every 365 days thereafter | 4.05% | $6,103 |
Starter Certificate
Up to 3.34%APY · 1 term
Special offer. Only one active 6 Month Starter Share Certificate allowed per member. Additional deposits are allowed during the term. At maturity, funds will automatically transfer to the primary share account. Listed under Special Offers in rate table.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounding option. Dividend rate is 3.30%. Ability to add funds. Dividends paid quarterly. Only one active starter certificate per member. Automatic transfer to primary share account at maturity | 3.34% | — |
| 6 monthsNon-compounding option. Dividend rate is 3.30%. Ability to add funds. Dividends paid quarterly. Only one active starter certificate per member. Automatic transfer to primary share account at maturity | 3.30% | — |
No-Penalty Certificate
Up to 2.78%APY · 1 term
Special offer. Only one 12 month no penalty early withdraw certificate allowed per member during a 12-month period from date of closure. All funds must be deposited at account opening; no additional deposits allowed during term. At maturity, funds automatically transfer to primary share account. Listed under Special Offers in rate table.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounding option. Dividend rate is 2.75%. Ability to withdraw funds without penalty. Dividends paid quarterly. All funds deposited at opening. Automatic transfer to primary share account at maturity | 2.78% | $278 |
| 12 monthsNon-compounding option. Dividend rate is 2.75%. Ability to withdraw funds without penalty. Dividends paid quarterly. All funds deposited at opening. Automatic transfer to primary share account at maturity | 2.75% | $275 |
Special-purpose accounts
Traditional IRAs and Roth IRA Certificates
Up to 4.32%APY · 12 terms
$5 minimum opening balance for 12 and 18 month terms; $500 minimum opening balance for longer terms. Penalty for early withdrawal.
| Term | APY · $5 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.80% | — | 3.80% | $380 |
| 18 months | 3.60% | — | 3.60% | $545 |
| 24 months | — | 3.70% | 3.70% | $754 |
| 36 months | — | 3.80% | 3.80% | $1,184 |
| 48 months | — | 3.85% | 3.85% | $1,631 |
| 60 months | — | 3.91% | 3.91% | $2,114 |
| 72 months | — | 4.06% | 4.06% | $2,697 |
| 84 months | — | 4.11% | 4.11% | $3,257 |
| 96 months | — | 4.16% | 4.16% | $3,855 |
| 108 months | — | 4.22% | 4.22% | $4,506 |
| 120 months | — | 4.27% | 4.27% | $5,191 |
| 144 months | — | 4.32% | 4.32% | $6,612 |
Sources (1)
- redfcu.org/personal/resources/rates · captured Oct 22, 2026
Who can join Redstone Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Individuals who join the Association of the United States Army/Redstone-Huntsville Chapter (AUSA), which is free and completed during the membership application process, are eligible for membership.
Employers and groups
- Individuals who work for or belong to one of Redstone's 1,800+ Membership Partner organizations, clubs, churches, or businesses are eligible for membership.
Military, government and schools
- Government employees and contractors on Redstone Arsenal and throughout Madison County are eligible for membership.
- Members of the National Guard in Madison, Morgan, and Limestone Counties in Alabama, and Lincoln County in Tennessee, are eligible for membership.
- Active or retired military service members and their dependents on Redstone Arsenal and throughout Madison County are eligible for membership.
- Reserve service members in Madison County are eligible for membership.
2 more ways to join
Family and household
- Individuals who have an immediate family member (spouse, parent, sibling, child, grandparent, grandchild, step-parent, step-child, or step-sibling) who is a Redstone member are eligible for membership.
- Individuals who live in the same house and share household expenses with a Redstone member are eligible for membership.
Cost to join
- Joining requires opening a share savings account with a $5.00 minimum balance maintained at all times.
Membership information collected October 4, 2026.