Alabama Credit Union CDs
With our competitive-rate Certificates of Deposit (CDs), you can earn high dividends with just a minimum deposit of $500. You can choose the term that works best for you, with maturities ranging from six months up to 60 months. With our CDs, you can rest assured you're getting the best possible return on your investment.
Current Rates
Our current rates are continually updated. Last updated October 26, 2026.
6 MONTHS MATURITY
$500
Minimum Balance
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Interest Rate
- -
At Maturity
Interest Compounded
12 MONTHS MATURITY
$500
Minimum Balance
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Interest Rate
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Annual Percentage Yield (APY)
Quarterly
Interest Compounded
15 MONTHS MATURITY*
$10,000
Minimum Balance
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Interest Rate
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Annual Percentage Yield (APY)
Quarterly
Interest Compounded
24 MONTHS MATURITY
$500
Minimum Balance
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Interest Rate
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Annual Percentage Yield (APY)
Quarterly
Interest Compounded
36 MONTHS MATURITY
$500
Minimum Balance
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Interest Rate
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Annual Percentage Yield (APY)
Quarterly
Interest Compounded
48 MONTHS MATURITY
$500
Minimum Balance
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Interest Rate
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Annual Percentage Yield (APY)
Quarterly
Interest Compounded
60 MONTHS MATURITY
$500
Minimum Balance
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Interest Rate
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Annual Percentage Yield (APY)
Quarterly
Interest Compounded
Refer to Alabama Credit Union Membership & Account Agreement and Truth In Savings Rate & Fee Schedule for product details.
DISCLOSURE
Offer available to Alabama Credit Union Members. A penalty may be imposed for early withdrawal. Fee could reduce the earnings on the account. CDs automatically renew for another term at rate in effect at that time for that CD type. APY (Annual Percentage Yield) is accurate as of 01/01/26
*APY = Annual Percentage Yield. Pursuant to Alabama Credit Union’s Membership & Account Agreement, Truth In Savings disclosure and Schedule of Fees and Charges. Term is 15 months. Fees may reduce earnings on the account. APY is accurate as of October 26, 2026, and is available for a limited time. Minimum balance required to earn the advertised APY is $10,000. A penalty may be imposed for early withdrawal. At maturity, certificate will automatically renew for a 12-month term at the then available APY. Membership eligibility required. Available to qualifying members. Available for a limited time.
All other terms are $500.00 minimum.
* The fintactix calculator provides only an estimate.
Early Withdrawal Penalties
The following early withdrawal penalties apply to new or renewed Certificates Of Deposit:
| 6 months CD -- 90 days penalty | 30 months CD -- 180 days penalty |
| 7 months CD -- 90 days penalty | 36 months CD -- 180 days penalty |
| 12 months CD -- 180 days penalty | 42 months CD -- 360 days penalty |
| 15 months CD -- 180 days penalty | 48 months CD -- 360 days penalty |
| 18 months CD -- 180 days penalty | 54 months CD -- 360 days penalty |
| 24 months CD -- 180 days penalty | 60 months CD -- 360 days penalty |
If you have questions, please contact our Member Care Center. Thank you for your confidence and membership in Alabama Credit Union!