# Five Star Credit Union (Alabama) CD and share certificate rates

As of October 22, 2026, Five Star Credit Union (Alabama)'s highest tracked CD (share certificate) rate is 3.80% APY on a 12-month CD ($500 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.45% to 3.80% APY.

Canonical page: https://apyledger.com/cd-rates/five-star-credit-union-alabama
Institution: Five Star Credit Union (NCUA 68302)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:13.000Z (October 22, 2026)
Official source: https://www.fivestarcu.com/resources/deposit-rates
Coverage: Membership required. Share certificates from 6 to 60 months with a $500 minimum. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 6 months | $500 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-22T16:22:13.000Z | [Snapshot 348](https://apyledger.com/snapshots/348) |
| Share Certificate | standard | 12 months | $500 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-22T16:22:13.000Z | [Snapshot 348](https://apyledger.com/snapshots/348) |
| Share Certificate | standard | 24 months | $500 | 3.60% | Not ZIP-priced | −1.27% | 2026-10-22T16:22:13.000Z | [Snapshot 348](https://apyledger.com/snapshots/348) |
| Share Certificate | standard | 36 months | $500 | 3.55% | Not ZIP-priced | −1.40% | 2026-10-22T16:22:13.000Z | [Snapshot 348](https://apyledger.com/snapshots/348) |
| Share Certificate | standard | 48 months | $500 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T16:22:13.000Z | [Snapshot 348](https://apyledger.com/snapshots/348) |
| Share Certificate | standard | 60 months | $500 | 3.45% | Not ZIP-priced | −1.56% | 2026-10-22T16:22:13.000Z | [Snapshot 348](https://apyledger.com/snapshots/348) |

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.