Compare Bank & Credit Union Rates
Best CD rates in Birmingham, AL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Birmingham, AL
- 3.81%APY$189 over 6 months on $10,000
Requirements
Product: A penalty may apply for early withdrawal of funds. Minimum deposit of $1,000. Terms range from 90 days to 3 years.
Offer: A penalty may apply for early withdrawal of funds.
3.75% interest rate · Effective Jul 11, 2026
Rate checked
More details - 3.80%APY$252 over 8 months on $10,000with conditions
Requirements
Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.
Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.
Qualified rate · Compounded daily · Effective Sep 24, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000intro rate
Promotional rate
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
- 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Renews every 3 months.
Offer: Renews every 3 months. $500 Minimum Deposit.
Effective Oct 21, 2026
Rate checked
More details - Alabama Central CUShare CertificatesCD · 12 months · $500 min · 3.55%–3.90% by balance
Credit union · 2 branches
3.55%APY$355 over 1 year on $10,000Requirements
Product: Dividends are compounded and credited monthly. No setup or maintenance fees. Early withdrawals are subject to penalties. Can be used as collateral to secure loans.
3.49% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $100,000Your amount 3.55% $100,000 – $245,000 3.70% $245,000 – $1,000,000 3.80% $1,000,000 and up 3.90% Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - Jefferson Credit UnionProsperity Certificate of DepositCD · 6 months · $500 min
Credit union · 2 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Minimum balance to open and maintain certificate account; dividends paid monthly. Dividends on Prosperity Certificates of Deposit cap at $999,999.99. Rates are subject to change without notice.
Offer: Term 6 months; minimum $500 balance required to earn rate.
3.45% interest rate · Effective May 14, 2025
Rate checked
More details - Social Security Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: All members must open up a Share/Savings Account before being offered services. Early withdrawal penalty may apply. Dividend Rates are subject to change monthly. Interest received by compounding, monthly checks, or transfer to an SSCU account.
3.50% interest rate
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 12-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.45%APY$522 over 18 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 18-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 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 Birmingham, AL
283 CDs at 25 banks and credit unions · checked Oct 15–22
- Typical
- 2.25%
- Top 10% from
- 3.89%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.33%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Birmingham, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ASE Credit UnionCredit union · 1 branch
- AOD Federal Credit UnionCredit union · 1 branch
- AmFirstCredit union · 17 branches