Redstone Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Redstone Federal Credit Union's highest tracked CD (share certificate) rate is 4.59% APY on a 120-month CD. That is 3.3 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.60% to 4.59% APY.
Tracking began .
Redstone Federal Credit Union CD & share certificate rates
Membership required. Compounding APYs for fixed-rate share certificates from 6 to 120 months, including Member’s Choice, regular and jumbo certificates, plus 6-month Starter and 12-month No-Penalty certificates. Opening minimums are not stated in this rate section. Non-compounding payout options and 144-month certificates are outside this collection scope. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Jumbo Certificate | Not stated | 3.97% | −0.43% | Verified October 22, 2026 |
| 6 months | Share Certificate | Not stated | 3.65% | −0.75% | Verified October 22, 2026 |
| 6 months | Special Offer - Starter Share Certificate Promotional | Not stated | 3.44% | −0.96% | Verified October 22, 2026 |
| 12 months | Jumbo Certificate | Not stated | 4.13% | −0.44% | Verified October 22, 2026 |
| 12 months | Share Certificate | Not stated | 3.80% | −0.77% | Verified October 22, 2026 |
| 12 months | Special Offer - No-Penalty Share Certificate Promotional | Not stated | 2.98% | −1.59% | Verified October 22, 2026 |
| 18 months | Jumbo Certificate | Not stated | 3.92% | −0.80% | Verified October 22, 2026 |
| 18 months | Share Certificate | Not stated | 3.60% | −1.12% | Verified October 22, 2026 |
| 24 months | Jumbo Certificate | Not stated | 4.02% | −0.85% | Verified October 22, 2026 |
| 24 months | Share Certificate | Not stated | 3.70% | −1.17% | Verified October 22, 2026 |
| 36 months | Jumbo Certificate | Not stated | 4.13% | −0.82% | Verified October 22, 2026 |
| 36 months | Share Certificate | Not stated | 3.80% | −1.15% | Verified October 22, 2026 |
| 36 months | Member's Choice Share Certificate | Not stated | 3.70% | −1.25% | Verified October 22, 2026 |
| 48 months | Jumbo Certificate | Not stated | 4.18% | −0.80% | Verified October 22, 2026 |
| 48 months | Share Certificate | Not stated | 3.85% | −1.13% | Verified October 22, 2026 |
| 48 months | Member's Choice Share Certificate | Not stated | 3.75% | −1.23% | Verified October 22, 2026 |
| 60 months | Jumbo Certificate | Not stated | 4.23% | −0.78% | Verified October 22, 2026 |
| 60 months | Share Certificate | Not stated | 3.91% | −1.10% | Verified October 22, 2026 |
| 60 months | Member's Choice Share Certificate | Not stated | 3.80% | −1.21% | Verified October 22, 2026 |
| 72 months | Jumbo Certificate | Not stated | 4.39% | −0.66% | Verified October 22, 2026 |
| 72 months | Share Certificate | Not stated | 4.06% | −0.99% | Verified October 22, 2026 |
| 72 months | Member's Choice Share Certificate | Not stated | 3.96% | −1.09% | Verified October 22, 2026 |
| 84 months | Jumbo Certificate | Not stated | 4.44% | −0.65% | Verified October 22, 2026 |
| 84 months | Share Certificate | Not stated | 4.11% | −0.98% | Verified October 22, 2026 |
| 84 months | Member's Choice Share Certificate | Not stated | 4.01% | −1.08% | Verified October 22, 2026 |
| 96 months | Jumbo Certificate | Not stated | 4.49% | −0.64% | Verified October 22, 2026 |
| 96 months | Share Certificate | Not stated | 4.16% | −0.97% | Verified October 22, 2026 |
| 96 months | Member's Choice Share Certificate | Not stated | 4.06% | −1.07% | Verified October 22, 2026 |
| 108 months | Jumbo Certificate | Not stated | 4.54% | −0.62% | Verified October 22, 2026 |
| 108 months | Share Certificate | Not stated | 4.22% | −0.94% | Verified October 22, 2026 |
| 108 months | Member's Choice Share Certificate | Not stated | 4.11% | −1.05% | Verified October 22, 2026 |
| 120 months | Jumbo Certificate | Not stated | 4.59% | −0.61% | Verified October 22, 2026 |
| 120 months | Share Certificate | Not stated | 4.27% | −0.93% | Verified October 22, 2026 |
| 120 months | Member's Choice Share Certificate | Not stated | 4.16% | −1.04% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Redstone Federal Credit Union's best CD rates by term?
Redstone Federal Credit Union's best rate is 4.59% APY on 120 months, verified October 22, 2026.
- 6 mo3.97%
- 12 mo4.13%
- 18 mo3.92%
- 24 mo4.02%
- 36 mo4.13%
- 48 mo4.18%
- 60 mo4.23%
- 72 mo4.39%
- 84 mo4.44%
- 96 mo4.49%
- 108 mo4.54%
- 120 mo4.59%
How much interest could a Redstone Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
No unambiguous quoted balance tier applies to this amount and term. Check the institution's terms or choose another deposit.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 12 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 18 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 24 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 36 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 48 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 60 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 72 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 84 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 96 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 108 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 120 months | Not estimated | Not estimated | Not estimated | Not estimated |
How Redstone Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 3650-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 2 of 13 tracked institutions with fresh 3650-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Redstone Federal Credit Union (this institution)Jumbo Certificate · Standard | 120 months | Not stated | Membership required · branches in AL, TN | 4.59% | October 22, 2026 |
| First National Bank of America (highest tracked APY for this term)Certificate of Deposit (CD) · Standard | 120 months | $1,000 | Branches in MI | 4.75% | October 22, 2026 |
| Treasury (APY-equivalent) | 120 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.20% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Redstone Federal Credit Union on October 22, 2026.
About Redstone Federal Credit Union
- Legal name
- Redstone Federal Credit Union
- Regulator ID
- NCUA 7544
- Headquarters
- Huntsville, AL
- Available in
- AL, TN
- Total assets
- $8.6 billion
- Also known as
- Website
- www.redfcu.org
Source: rates read from https://www.redfcu.org/personal/resources/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Redstone Federal Credit Union?
Among the rates we track, 4.59% APY on a 120-month CD, as of October 22, 2026.
How does Redstone Federal Credit Union's best CD rate compare with Treasury yields?
4.59% APY is −0.61% versus the 120-month Treasury yield of 5.20% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.59% a good CD rate?
It is 3.3 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Redstone Federal Credit Union CDs insured?
Redstone Federal Credit Union is a federally insured credit union (NCUA 7544). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Redstone Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Redstone Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Redstone Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Redstone Federal Credit Union before opening an account. This page is not financial advice.