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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 Muscle Shoals, AL
- 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 - 4.16%APY$416 over 1 year on $10,000
Requirements
Product: Minimum deposit of $500 to earn stated APY. Dividends calculated based on average daily balance, compounded and credited quarterly. Option of receiving dividends paid monthly by check or deposit into designated VCU account. Early withdrawal penalties may apply.
4.10% interest rate · Effective Sep 24, 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
Rate checked
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 - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: Rates quoted are best available and subject to change without notice. Early withdrawal penalties apply.
Rate checked
More details - Alabama Central CUShare CertificatesCD · 12 months · $500 min · 3.55%–3.90% by balance
Credit union · 1 branch
3.55%APY$355 over 1 year on $10,000Requirements
Product: Dividends are compounded and credited monthly. No setup or maintenance fees. Early withdrawals are subject to penalties. Can be used as collateral to secure loans.
3.49% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $100,000Your amount 3.55% $100,000 – $245,000 3.70% $245,000 – $1,000,000 3.80% $1,000,000 and up 3.90% 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 Muscle Shoals, AL
54 CDs at 6 banks and credit unions · checked Oct 15–22
- Typical
- 3.27%
- Top 10% from
- 3.61%
- Banks, typical
- 0.02%
- Credit unions, typical
- 3.35%
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Florence, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Listerhill Credit UnionCredit union · 9 branches