# Alabama One Credit Union CD and share certificate rates

As of October 22, 2026, Alabama One Credit Union's highest tracked CD (share certificate) rate is 4.15% APY on a 6-month CD ($1,000 minimum). That is 3.0 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 4.00% to 4.15% APY.

Canonical page: https://apyledger.com/cd-rates/alabama-one-credit-union
Institution: Alabama One Credit Union (NCUA 68595)
Aliases: 
Status: live
Last verified: 2026-10-22T16:20:45.000Z (October 22, 2026)
Official source: https://www.alabamaone.org/rates
Coverage: Membership required. Certificates from 6 to 60 months at standard and jumbo ($250,000+) rates; $1,000 is required to open and earn the APY unless stated otherwise. Certificates renew automatically at the rate in effect at renewal. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 6 months | $1,000 | 4.15% | Not ZIP-priced | −0.25% | 2026-10-22T16:20:45.000Z | [Snapshot 304](https://apyledger.com/snapshots/304) |
| Certificate of Deposit | standard | 12 months | $1,000 | 4.10% | Not ZIP-priced | −0.47% | 2026-10-22T16:20:45.000Z | [Snapshot 304](https://apyledger.com/snapshots/304) |
| Certificate of Deposit | standard | 18 months | $1,000 | 4.05% | Not ZIP-priced | −0.67% | 2026-10-22T16:20:45.000Z | [Snapshot 304](https://apyledger.com/snapshots/304) |
| Certificate of Deposit | standard | 24 months | $1,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:20:45.000Z | [Snapshot 304](https://apyledger.com/snapshots/304) |
| Certificate of Deposit | standard | 36 months | $1,000 | 4.05% | Not ZIP-priced | −0.90% | 2026-10-22T16:20:45.000Z | [Snapshot 304](https://apyledger.com/snapshots/304) |
| Certificate of Deposit | standard | 48 months | $1,000 | 4.10% | Not ZIP-priced | −0.88% | 2026-10-22T16:20:45.000Z | [Snapshot 304](https://apyledger.com/snapshots/304) |
| Certificate of Deposit | standard | 60 months | $1,000 | 4.15% | Not ZIP-priced | −0.86% | 2026-10-22T16:20:45.000Z | [Snapshot 304](https://apyledger.com/snapshots/304) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.