Compare Bank & Credit Union Rates
Best CD rates in Alabama
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 91–105 results in Alabama
- 3.40%APY$340 over 1 year on $10,000
Requirements
Product: Minimum certificate deposit: $1,000.
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 - 3.30%APY$671 over 24 months on $10,000
Requirements
Product: Penalties may be imposed for early withdrawal. Average daily balance method used to calculate dividends.
Effective Oct 1, 2023
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000intro rate
Requirements
Product: Limited time offer. $500.00 minimum to open and earn stated APY. Additional deposits are not allowed during the term. Penalty for early withdrawal. Fees could reduce earnings. Upon maturity, converts to a Standard certificate of equal term at the current rate.
Offer: Upon maturity, 6 month certificate converts to a Standard 6 month certificate at current rate.
Promotional rate · 3.21% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: Maturities from 182 days to 60 months. Interest payable by check, direct deposit or compounding quarterly. A penalty may be imposed for withdrawals prior to maturity on CDs. Fees may reduce earnings. Advertised rates are subject to change at the bank's discretion.
Offer: 182 Day CD. Penalty may be imposed for early withdrawal.
3.22% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.25%APY$188 over 7 months on $10,000
Requirements
Product: Membership required. Penalty may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity. Additional deposits are not allowed after opening.
3.20% interest rate · Effective Jan 6, 2026
Rate checked
More details - Keesler Federal Credit UnionShare Certificate AccountsCD · 18 months · $1,000 min
Credit union · 2 branches
3.25%APY$491 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Ten-day grace period renewal at maturity.
3.21% interest rate
Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-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 - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.05%APY$1,277 over 48 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 48-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.05%APY$305 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply to all certificate accounts. Insured up to $250,000 by NCUA.
3.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.04%APY$151 over 6 months on $10,000
Requirements
Product: Membership is open to anyone who lives, works, or attends school in Mobile, Baldwin, Clarke, Escambia, Monroe, or Washington Counties.
Offer: Rates subject to change.
3.00% interest rate · Effective May 29, 2025
Rate checked
More details - 3.00%APY$149 over 6 months on $10,000
Requirements
Product: Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal. Minimum $1000.00 balance.
Offer: Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal.
3.00% interest rate · Compounded quarterly
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - Redstone Federal Credit UnionNo-Penalty CertificateCD · 12 months · $100 min · up to $10,000
Credit union · 36 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
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 Alabama
830 CDs at 91 banks and credit unions · checked Oct 16–22
- Typical
- 3.29%
- Top 10% from
- 4.06%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.46%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Alabama
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Auburn University Credit UnionCredit union · 3 branches
- ASE Credit UnionCredit union · 9 branches
- AOD Federal Credit UnionCredit union · 6 branches