Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Birmingham, AL metro
- 4.00%APY$400 over 1 year on $10,000
Effective Aug 1, 2026
Rate checked
More details - Southern Energy Credit UnionCertificates of Deposit (CDs)CD · 13 months · $500 min
Credit union · 13 branches
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
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More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Early withdrawal penalties apply for share certificates. Rates quoted are best available and subject to change.
Effective Oct 1, 2026
Rate checked
More details - Mutual Savings Credit UnionElite Share CertificatesCD · 60 months · $10,000 min
Credit union · 4 branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Early withdrawal penalties apply for share certificates. Rates quoted are best available and subject to change.
Effective Oct 1, 2026
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More details - 3.97%APY$197 over 6 months on $10,000
Requirements
Offer: With direct deposit and checking account
3.90% interest rate
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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
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More details - 3.81%APY$189 over 6 months on $10,000
Requirements
Product: A penalty may apply for early withdrawal of funds. Minimum deposit of $1,000. Terms range from 90 days to 3 years.
Offer: A penalty may apply for early withdrawal of funds.
3.75% interest rate · Effective Jul 11, 2026
Rate checked
More details - 3.80%APY$252 over 8 months on $10,000with conditions
Requirements
Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.
Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.
Qualified rate · Compounded daily · Effective Sep 24, 2026
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More details - 3.76%APY$186 over 6 months on $10,000intro rate
Requirements
Product: No setup or maintenance fees. Early withdrawal penalty applies: 90 days dividends for 6- and 12-month terms, 180 days dividends for 18-month terms and above. Dividends computed on average daily balances of $500 or more.
Offer: Limited time offer.
Promotional rate · 3.70% interest rate
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More details - Family Security Credit UnionShare CertificateCD · 12 months · $1,000 min · 3.76%–3.87% by balance
Credit union · 1 branch
3.76%APY$376 over 1 year on $10,000Requirements
Product: Primary share account required. Interest compounded monthly. One-time, complimentary bump in interest privilege permitted for remaining term. Maintenance or activity fees could reduce earnings. Early withdrawal penalties may apply.
3.70% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.76% $50,000 and up 3.82% $100,000 and up 3.87% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: Fixed term savings certificate with no monthly maintenance fees. Early withdrawal penalties may apply.
3.69% interest rate · Effective Jul 1, 2026
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More details - 3.75%APY$375 over 1 year on $10,000intro rate
Promotional rate
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More details - 3.75%APY$375 over 1 year on $10,000
- 3.65%APY$31 over 1.0333333333333334 months on $10,000
Requirements
Offer: Term is 31 Days. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal.
3.65% interest rate · Effective Mar 1, 2026
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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 Birmingham, AL metro
376 CDs at 36 banks and credit unions · checked Oct 16–22
- Typical
- 2.93%
- Top 10% from
- 3.85%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.30%
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Birmingham, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ASE Credit UnionCredit union · 1 branch
- AOD Federal Credit UnionCredit union · 1 branch
- AmFirstCredit union · 17 branches