Bank · FDIC insured
Union State Bank CD Rates
Union State Bank’s best CD rate is 3.65% APY on a 1-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Union State Bank’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where Union State Bank has the most branches. $10,000, best rate first.
This bank’s best
Union State Bank
3.65%APY
- Term
- 1 month
- Minimum
- $500
- Earns on $10,000
- $31
Certificate of Deposit
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
Union State Bank CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo1.25%
- 16–30 months16–30 mo1.35%
- 31–60 months31–60 mo1.75%
- QualifiedQualified3.60%
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 Union State Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.65%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm is 31 Days. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal | 3.65% | $31 |
| 3 monthsTerm is 91 Days. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal | 3.60% | $90 |
| 6 monthsTerm is 182 Days. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal | 0.75% | $38 |
| 12 monthsAt time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal | 1.25% | $125 |
| 24 monthsAt time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal | 1.35% | $272 |
| 36 monthsAt time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal | 1.40% | $426 |
| 48 monthsAt time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal | 1.50% | $614 |
| 60 monthsAt time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal | 1.75% | $906 |
Sources (2)
All captured Sep 19, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.