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 1–15 results in Alabama
- 4.50%APY$450 over 1 year on $10,000intro rate
Requirements
Product: The minimum balance to open an account and obtain the APY is $1000. A penalty may be imposed for early withdrawal.
Offer: 12 Month Certificate of Deposit. APY assumes funds remain on deposit a full year at the listed rate or until maturity, whichever is greater. Penalty for early withdrawal.
Promotional rate · 4.50% interest rate
Rate checked
More details - All In Credit UnionShare CertificatesCD · 12 months · $1,000 min · 4.18%–4.23% by balance
Credit union · 36 branches
4.18%APY$418 over 1 year on $10,000Requirements
Product: When certificate matures, it can be cashed or automatically renewed based on investment goals.
4.10% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 4.18% $100,000 and upJumbo 4.23% Rate checked
More details - 4.16%APY$416 over 1 year on $10,000
Requirements
Product: When certificate matures, it can be cashed or automatically renewed based on investment goals.
Offer: 12 Month Variable
4.08% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.16%APY$416 over 1 year on $10,000
Requirements
Product: Minimum deposit of $500 to earn stated APY. Dividends calculated based on average daily balance, compounded and credited quarterly. Option of receiving dividends paid monthly by check or deposit into designated VCU account. Early withdrawal penalties may apply.
4.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - Lauderdale County Teachers Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · 1 branch
4.16%APY$416 over 1 year on $10,000Requirements
Product: Rates subject to change. Please contact the credit union to confirm the most current rate.
4.10% interest rate · Effective Mar 12, 2025
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000intro rate
Requirements
Product: CDs must have a minimum opening balance of $2,500. Maximum deposit is $250,000 per CD. Offer subject to change without notice.
Promotional rate · 4.04% interest rate · Balance cap $250,000
Rate checked
More details - 4.10%APY$410 over 1 year 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.
4.04% interest rate · Compounded quarterly · Effective Sep 25, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: Dividends compounded quarterly. The Annual Percentage Yield (APY) and interest rate assume that interest is to be added to the principal and remain in the account until the maturity of the certificate. An early withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date.
Offer: Dividends compounded quarterly. Early withdrawal penalty applies.
4.04% interest rate · Compounded quarterly · Effective Sep 21, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Minimum opening balance of $1,000.
Offer: 12 month special
Promotional rate
Rate checked
More details - 4.08%APY$408 over 1 year on $10,000
Requirements
Offer: Compounded daily.
4.00% interest rate · Compounded daily · Effective May 1, 2026
Rate checked
More details - 4.06%APY$406 over 1 year on $10,000
Requirements
Product: Assumes dividends remain on deposit until maturity. A Share Savings account is required. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings. Raise-My-Rate option and anytime deposit of $500 or more available.
4.00% interest rate · Effective Oct 9, 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 - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 2 branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Minimum deposit to open is $1,000. Daily balance method is used to calculate interest. For terms 12 months or less, interest is paid at maturity; for terms greater than 12 months, interest is compounded daily and paid annually.
Compounded daily · Effective Oct 21, 2026
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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 1-year CDs pay in Alabama
107 CDs at 85 banks and credit unions · checked Oct 16–22
- Typical
- 3.45%
- Top 10% from
- 4.06%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.50%
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