Compare Bank & Credit Union Rates
Best CD rates in Gadsden, AL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–8 results in Gadsden, 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 This is a limited time offer and may be withdrawn at any time without notice.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 - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 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 - Emblem Credit UnionTerm Share Certificate AccountsCD · 24 months · $1,000 min
Credit union · 1 branch
4.25%APY$868 over 24 months on $10,000intro rateRequirements
Product: Penalties may apply for early withdrawal. Reduced $300 minimum deposit to open for youth accounts (Embark Youth Club and Empower Teen Club only). No setup or maintenance fees.
Promotional rate · 4.16% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.20%APY$858 over 24 months on $10,000
Requirements
Product: Dividends compounded quarterly. The Annual Percentage Yield (APY) and interest rate assume that interest is to be added to the principal and remain in the account until the maturity of the certificate. An early withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date.
Offer: Dividends compounded quarterly. Early withdrawal penalty applies.
4.14% interest rate · Compounded quarterly · Effective Sep 21, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Minimum opening balance of $1,000.
Offer: 12 month special
Promotional rate
Rate checked
More details - 4.10%APY$480 over 14 months on $10,000intro rate
Requirements
Product: Minimum deposit of $1,000.00 to open. Substantial penalty for early withdrawal. Automatic renewals will be at Standard Rate. 3- and 6-month term CDs compound at maturity; all others are compounded semi-annually. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026.
Offer: Compounded semi-annually. Interest must be added back to CD to obtain APY. Offer valid until 11.02.2026.
Promotional rate · 4.06% interest rate · Effective Sep 21, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% 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 Gadsden, AL
88 CDs at 7 banks and credit unions · checked Oct 6–22
- Typical
- 2.26%
- Top 10% from
- 4.10%
- Banks, typical
- 1.76%
- Credit unions, typical
- 3.82%
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Gadsden, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Family Savings Credit UnionCredit union · 2 branches
- WinSouth Credit UnionCredit union · 3 branches
- Emblem Credit UnionCredit union · 1 branch