Compare Bank & Credit Union Rates
Best CD rates in Opelika, AL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–8 results in Opelika, AL
- 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$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 · 2 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 - 4.10%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 - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Terms between 1 month and 60 months. Minimum balance requirement is $500. Automatically renew at maturity of CD. No Maintenance Fees. Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. Can be used as collateral for a personal loan.
Offer: Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. CD terms of one (1) year or less credit interest at maturity.
Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$471 over 15 months on $10,000intro rate
Requirements
Product: A $500 minimum balance is required to open each CD. Early withdrawals are generally subject to an early withdrawal penalty. Additional deposits cannot be made into an existing CD.
Offer: 15 Month CD Special. Early withdrawal penalty may be imposed.
Promotional rate · Effective Oct 14, 2026
Rate checked
More details - Four Seasons Federal Credit UnionStandard CertificatesCD · 60 months · $500 min
Credit union · 2 branches
3.44%APY$1,842 over 60 months on $10,000Requirements
Product: Member eligibility required to join. Share Certificate accounts subject to early withdrawal penalties. Fees could reduce earnings on the account.
Offer: Minimum balance to open and earn dividends is $500.
3.40% interest rate · Effective Oct 1, 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 Opelika, AL
80 CDs at 7 banks and credit unions · checked Oct 16–22
- Typical
- 1.63%
- Top 10% from
- 4.00%
- Banks, typical
- 1.01%
- Credit unions, typical
- 2.52%
Is your bank paying you enough?
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Auburn, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Auburn University Credit UnionCredit union · 2 branches
- MAX Credit UnionCredit union · 2 branches