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 31–45 results in Alabama
- Electrical Workers 558 Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Requirements
Product: Assumes dividends are credited monthly. Minimum balance is $500. Substantial penalty for early withdrawal. No deposits allowed after opening until maturity date. Does not renew automatically and will not earn dividends after maturity date unless used to secure a loan. Redeeming before maturity forfeits accrued dividends.
4.03% interest rate
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
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 - 4.08%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
Rate checked
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
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
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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
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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
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
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More details - 4.01%APY$2,172 over 60 months on $10,000
Requirements
Product: Quarterly Posted Dividend Certificates. Monthly Distributed Dividend Certificates are available. Early withdrawal penalty applies. Must be a credit union member.
3.95% interest rate
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More details - Investar Bank3-Month Certificate of Deposit SpecialCD · 3 months · $500 min · 3.80%–4.00% by balance
Bank · 6 branches
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Consumer Online Banking Only. Early withdrawal penalty may apply. Interest is compounded monthly and assumes interest remains on deposit. Offer available for a limited time.
Offer: Consumer Online Banking Only. Early withdrawal penalty may apply.
Promotional rate · Compounded monthly · Effective Sep 1, 2026
Rate by balance
Rate by balance for 3-Month Certificate of Deposit Special Balance APY $500 – $245,000Your amount 4.00% $245,000 and up 3.80% 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
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More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. Early withdrawal penalties apply (3 months dividend on 2026 schedule). Horizons Heroes members (active first responders, military, physicians, nurses, educators) may receive a 0.25% APY increase. NCUA insured. Membership required.
Offer: Early withdrawal penalty: 3 months dividend. Dividends compounded and credited monthly.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Terms between 1 month and 60 months. Minimum balance requirement is $500. Automatically renew at maturity of CD. No Maintenance Fees. Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. Can be used as collateral for a personal loan.
Offer: Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. CD terms of one (1) year or less credit interest at maturity.
Effective Oct 1, 2026
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More details - 4.00%APY$265 over 8 months on $10,000
Requirements
Product: The minimum deposit required to open a certificate is $500.00, which is the minimum balance required to earn the stated APY. Early withdrawal penalties may apply. Fees or penalties assessed to accounts may reduce earnings.
Offer: Special certificate rate.
Effective Oct 4, 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%
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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