Compare Bank & Credit Union Rates
Best CD rates in Montgomery, AL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Montgomery, AL
- Auburn University Credit UnionShare CertificatesCD · 42–47 months · $2,500 min · 4.50%–4.61% by balance
Credit union · 1 branch
4.50%APYintro rateRequirements
Product: Dividends accrue daily and are paid quarterly (or at maturity for short terms). Early withdrawal penalty: for less than 18 months, forfeiture of all dividends on amount withdrawn for 90 days; for greater than 18 months, forfeiture of all dividends on amount withdrawn for 180 days.
Offer: Compound Period: Quarterly
Promotional rate · 4.43% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $2,500 and upYour amount 4.50% $100,000 and upJumbo Rate ($100,000+ Deposit); 4.61% Rate checked
More details - 4.32%APY$543 over 15 months on $10,000
Requirements
Product: Rates offered during the most recent seven calendar days. *Will renew at the current 6 month CD rate. Early withdrawal penalty is equal to 90 days of dividends not to exceed dividends earned up to the day of early withdrawal. ** Will renew at the current 12 month CD rate. Early withdrawal penalties will equal 12 month dividends on your account. The 12 month penalty on early withdrawals may deduct from the principal balance of the certificate.
Offer: Dividend frequency: Quarterly. Will renew at the current 12 month CD rate. Early withdrawal penalties will equal 12 month dividends on your account. The 12 month penalty on early withdrawals may deduct from the principal balance of the certificate.
4.25% interest rate
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 · 5 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 - 4.15%APY$205 over 6 months on $10,000
Requirements
Product: $1,000 minimum deposit required. Terms from 6 months to 5 years available. Dividends are compounded and paid quarterly and at maturity. $5 membership fee required. Early withdrawal penalties may apply. Jumbo rate qualifies for Personal CD deposits of $250,000 or more or approved exception.
Offer: Dividends compounded quarterly.
4.09% interest rate · Compounded quarterly · Effective Sep 25, 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 - 4.10%APY$203 over 6 months on $10,000intro rate
Requirements
Product: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.
Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.
Promotional rate · Effective Oct 22, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - Southern Energy Credit UnionCertificates of Deposit (CDs)CD · 13 months · $500 min
Credit union · 1 branch
4.00%APY$434 over 13 months on $10,000Requirements
Product: Available to qualifying members. Minimum $500 deposit required to open a CD. Rates subject to change without notice. Interest is computed and compounded daily and posted quarterly and at maturity. At maturity, CD will automatically renew for another term at the then available APY. There is a penalty for early withdrawal. Grace period of 5 business days to withdraw a certificate after the automatic renewal date.
Compounded daily
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 - 3.85%APY$287 over 9 months on $10,000
Requirements
Product: Pays dividends quarterly. Lock those savings in with ASE for long term earnings. $500 minimum opening deposit.
Offer: Quarterly compounding
3.80% interest rate
Rate checked
More details - 3.85%APY$287 over 9 months on $10,000
Requirements
Product: Minimum opening deposit $500. Pays dividends quarterly.
Offer: Interest compound period: Quarterly
3.80% interest rate
Rate checked
More details - 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
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 Montgomery, AL
167 CDs at 15 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.10%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.75%
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Find your bank or credit union to see all its rates and how they compare near you.
Montgomery, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Auburn University Credit UnionCredit union · 1 branch
- ASE Credit UnionCredit union · 6 branches
- Guardian Credit UnionCredit union · 11 branches