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 1–6 results in Fort Payne, AL metro
- 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 - Emblem Credit UnionTerm Share Certificate AccountsCD · 24 months · $1,000 min
Credit union · 1 branch
4.25%APY$868 over 24 months on $10,000intro rateRequirements
Product: Penalties may apply for early withdrawal. Reduced $300 minimum deposit to open for youth accounts (Embark Youth Club and Empower Teen Club only). No setup or maintenance fees.
Promotional rate · 4.16% interest rate · Effective Oct 15, 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withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date.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 - 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$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 - 3.70%APY$92 over 3.033333333333333 months on $10,000
Requirements
Product: Interest paid monthly or at maturity. Penalties for early withdrawal: maturity of 12 months or less is 1 month of interest; maturity of greater than 12 months is 3 months of interest.
Offer: Term: 91 Days.
3.65% interest rate · Effective Mar 24, 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 Fort Payne, AL metro
62 CDs at 6 banks and credit unions · checked Oct 16–22
- Typical
- 3.15%
- Top 10% from
- 4.10%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.82%
Is your bank paying you enough?
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Fort Payne, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Family Savings Credit UnionCredit union · 3 branches
- WinSouth Credit UnionCredit union · 2 branches
- Emblem Credit UnionCredit union · 1 branch