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 1–9 results in Pelham, AL
- 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 · 1 branch
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 - 4.05%APY$439 over 13 months on $10,000intro rate
Requirements
Product: Available to qualified members only. Federally insured up to $250,000 by NCUA. Minimum deposit of $500. Dividends paid monthly, quarterly, or at maturity. Substantial penalty for early withdrawal. Automatically renews at maturity.
Offer: 13 Month Special.
Promotional rate · Effective Oct 4, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Consumer accounts only. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are subject to change at any time.
Offer: Five-Month CD Special. Automatically renews into a standard CD at a like term at a rate in effect at that time. Interest paid at maturity. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Sep 15, 2026
Rate checked
More details - Southern Energy Credit UnionCertificates of Deposit (CDs)CD · 13 months · $500 min
Credit union · 1 branch
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 · 1 branch
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
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 Pelham, AL
94 CDs at 7 banks and credit unions · checked Oct 5–22
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 1.26%
- Credit unions, typical
- 3.50%
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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