Compare Bank & Credit Union Rates
Best CD rates in Gulf Shores, AL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Baldwin County, AL · Showing Baldwin County, AL: too few institutions in Gulf Shores, AL
- 4.35%APY$660 over 18 months on $10,000
Requirements
Product: CDs will automatically renew at maturity unless otherwise instructed. Early withdrawal penalties may apply. Fees may reduce earnings. Interest is compounded and credited quarterly.
Offer: Minimum opening deposit of $1,000 is required to open the account and earn the stated APY.
Effective Sep 30, 2026
Rate checked
More details - All In Credit UnionShare CertificatesCD · 18 months · $1,000 min · 4.33%–4.39% by balance
Credit union · 1 branch
4.33%APY$656 over 18 months on $10,000Requirements
Product: When certificate matures, it can be cashed or automatically renewed based on investment goals.
4.25% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 4.33% $100,000 and upJumbo 4.39% Rate checked
More details - 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 This is a limited time offer and may be withdrawn at any time without notice.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 · 8 branches
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 - 4.20%APY$600 over 17 months on $10,000
Requirements
Product: Open to those who live, work, go to school, or worship in 17 counties from Mobile County, Alabama to Leon County, Florida. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
4.12% interest rate · Effective Sep 30, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.06%APY$406 over 1 year on $10,000
Requirements
Product: Minimum deposit of $500 to open. Dividends compounded and paid quarterly. Penalty for early withdrawal. Automatically rolls over at maturity with a 10-day grace period.
4.00% interest rate · Effective Sep 1, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. Early withdrawal penalties apply (3 months dividend on 2026 schedule). Horizons Heroes members (active first responders, military, physicians, nurses, educators) may receive a 0.25% APY increase. NCUA insured. Membership required.
Offer: Early withdrawal penalty: 3 months dividend. Dividends compounded and credited monthly.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.
Promotional rate · Effective Oct 13, 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 - 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 - 3.66%APY$366 over 1 year on $10,000
3.60% interest rate · Effective Oct 9, 2026
Rate checked
More details - 3.45%APY
Requirements
Product: Fixed terms from 90 days to 7 years. Online opening available for Louisiana residents for 6-, 12-, 24-, 36-, 48-, and 60-month terms (limited to $50,000.00 max). All terms available in-branch with no maximum deposit limit. Early withdrawal penalty applies.
Offer: Featured Certificate of Deposit rate. Minimum deposit of $2,000 required to open and earn stated APY. Offer only valid for CDs opened in Louisiana branches (or online with restrictions). Interest on CDs longer than 12 months must be paid out at least annually.
3.45% interest rate · Effective Sep 28, 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
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 Baldwin County, AL
230 CDs at 19 banks and credit unions · checked Oct 15–22
- Typical
- 1.04%
- Top 10% from
- 4.00%
- Banks, typical
- 0.40%
- Credit unions, typical
- 3.07%
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Find your bank or credit union to see all its rates and how they compare near you.
Daphne, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United BankBank · 9 branches
- All In Credit UnionCredit union · 1 branch
- PenAir Credit UnionCredit union · 3 branches