Compare Bank & Credit Union Rates
Best CD rates in Madison, AL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–19 results in Madison, AL
- Redstone Federal Credit UnionNo-Penalty CertificateCD · 12 months · $100 min · up to $10,000
Credit union · 4 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 - 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 - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Interest compounded annually on CDs over one year. Automatic renewal.
Offer: Penalty for early withdrawal.
Compounded annually · Effective Apr 1, 2024
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 Madison, AL
239 CDs at 13 banks and credit unions · checked Oct 16–22
- Typical
- 2.25%
- Top 10% from
- 4.00%
- Banks, typical
- 0.38%
- Credit unions, typical
- 3.65%
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Find your bank or credit union to see all its rates and how they compare near you.
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