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 1–15 results in Huntsville, AL metro
- 5.01%APY$2,769 over 60 months 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: 60 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 · 5.01% interest rate
Rate checked
More details - 4.40%APY$478 over 13 months 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.
Offer: Promo offer is available for new money or maturities only. This promotional rate is available for a limited time and may not be combined with any other rate promotion, special pricing, discount, or incentive. Eligibility requirements apply. Offer subject to change without notice. Rates may change at any time. Fees may reduce earnings.
Promotional rate · 4.33% interest rate · Balance cap $250,000
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 This is a limited time offer and may be withdrawn at any time without notice.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 · 8 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 - 4.25%APY$1,330 over 36 months on $10,000
Requirements
Product: $2,000 minimum to open for standard terms ranging from 30 days to 5 years. Not available to financial institutions or public funds. Early withdrawal penalties may apply.
Offer: You may exercise a one-time rate bump during the CD term; the new rate will be determined by the book rate for a 36 month CD and effective for the remaining CD term.
Effective Aug 18, 2026
Rate checked
More details - Redstone Federal Credit UnionShare CertificateCD · 144 months · $1,000 min
Credit union · 26 branches
4.22%APY$6,422 over 144 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Standard. Note: Opening minimum is listed as $1,000 in rate schedule disclosures and $2,000 in features table.
Offer: Compounding option. Dividend rate is 4.15%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.
4.15% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - 4.20%APY$858 over 24 months 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.
4.14% interest rate · Compounded quarterly · Effective Sep 21, 2026
Rate checked
More details - Redstone Federal Credit UnionMember's Choice Share CertificateCD · 144 months · $1,000 min
Credit union · 26 branches
4.11%APY$6,215 over 144 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. After 90 days from opening, members may request to change the dividend rate to the current rate applicable to the term, and every 365 days thereafter. Not available as Jumbo Certificates. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY.
Offer: Compounding option. Dividend rate is 4.05%. Rate change option available after 90 days and every 365 days thereafter.
4.05% interest rate · Balance cap $999,999 · Effective Sep 16, 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$837 over 24 months on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
4.02% interest rate · Effective Oct 15, 2026
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More details - 4.08%APY$618 over 18 months 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
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More details - 4.08%APY$1,426 over 40 months on $10,000
Requirements
Product: The 40 month CD Special and 40 month Fed Funds Variable Rate CD will renew as a 36 month CD at maturity.
Offer: The 40 month CD Special and 40 month Fed Funds Variable Rate CD will renew as a 36 month CD at maturity. $10,000 minimum deposit.
Effective Oct 21, 2026
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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
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More details - North Alabama Educators Credit UnionShare CertificatesCD · 13 months · $2,000 min
Credit union · 4 branches
4.06%APY$441 over 13 months on $10,000Requirements
Product: A minimum balance of $1,000 is required for regular Share Certificates ($300 for minor accounts age 0-18). Dividends paid quarterly into account of choice. Early withdrawal penalty applies. 12-month certificate has a 1-time penalty-free withdrawal.
Offer: Special 13-Month CD offer. Limited to a minimum of $2,000 and $50,000 max per primary member per calendar month. Compounding dividends. Early withdrawal penalty applies.
4.00% interest rate · Balance cap $50,000 · Effective Oct 1, 2026
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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 Huntsville, AL metro
312 CDs at 23 banks and credit unions · checked Oct 15–22
- Typical
- 3.23%
- Top 10% from
- 4.08%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.60%
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Huntsville, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Jackson BankBank · 1 branch
- CommunityAmerica Credit UnionCredit union · 2 branches
- Family Savings Credit UnionCredit union · 2 branches