Compare Bank & Credit Union Rates
Best CD rates in Athens, AL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–9 results in Athens, AL
- 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$1,330 over 36 months on $10,000
Requirements
Product: $2,000 minimum to open for standard terms ranging from 30 days to 5 years. Not available to financial institutions or public funds. Early withdrawal penalties may apply.
Offer: You may exercise a one-time rate bump during the CD term; the new rate will be determined by the book rate for a 36 month CD and effective for the remaining CD term.
Effective Aug 18, 2026
Rate checked
More details - 4.22%APY$6,422 over 144 months on $10,000
Requirements
Product: 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.
Offer: Compounding option. Dividend rate is 4.15%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.
4.15% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - Redstone Federal Credit UnionMember's Choice Share CertificateCD · 144 months · $1,000 min
Credit union · 2 branches
4.11%APY$6,215 over 144 months on $10,000Requirements
Product: 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.
Offer: Compounding option. Dividend rate is 4.05%. Rate change option available after 90 days and every 365 days thereafter.
4.05% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - 4.06%APY$406 over 1 year on $10,000
Requirements
Product: Assumes dividends remain on deposit until maturity. A Share Savings account is required. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings. Raise-My-Rate option and anytime deposit of $500 or more available.
4.00% interest rate · Effective Oct 9, 2026
Rate checked
More details - Family Security Credit UnionShare CertificateCD · 12 months · $1,000 min · 3.76%–3.87% by balance
Credit union · 1 branch
3.76%APY$376 over 1 year on $10,000Requirements
Product: Primary share account required. Interest compounded monthly. One-time, complimentary bump in interest privilege permitted for remaining term. Maintenance or activity fees could reduce earnings. Early withdrawal penalties may apply.
3.70% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.76% $50,000 and up 3.82% $100,000 and up 3.87% Rate checked
More details - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: Rates quoted are best available and subject to change without notice. Early withdrawal penalties apply.
Rate checked
More details - Redstone Federal Credit UnionNo-Penalty CertificateCD · 12 months · $100 min · up to $10,000
Credit union · 2 branches
2.78%APY$278 over 1 year on $10,000intro rateRequirements
Product: 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.
Offer: 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.
Promotional rate · 2.75% interest rate · Effective Sep 16, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Athens, AL
101 CDs at 7 banks and credit unions · checked Oct 6–22
- Typical
- 3.55%
- Top 10% from
- 4.06%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.65%
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Huntsville, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Jackson BankBank · 1 branch
- CommunityAmerica Credit UnionCredit union · 2 branches
- Family Savings Credit UnionCredit union · 2 branches