Best CD Rates in Center Point, Alabama, AL

You are viewing rates from banks across Center Point

Below are the best one-year CD Rates from banks in Center Point, Alabama. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

Center Point, AL - August 2, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
EvaBank Evabank Branch	4.50%	$1,000	-	Learn More Add Review
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 270 days interest. Rate History: 4.50% → 4.40% → 4.30% → 4.25% → 4.40%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Finworth, a division of InsBank Geneva Branch	4.35%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.55% → 4.35% → 4.20% → 4.46% → 4.35%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
TotalDirect, a division of City National Bank of Florida	4.25%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.35% → 4.50% → 4.46% → 4.41% → 4.25%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
ableBanking, a division of Northeast Bank Merchants Bank Of Alabama Branch	4.25%	$500	-	Learn More Add Review
Rate History: 5.15% → 4.70% → 4.20% → 4.00% → 4.25%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Limelight Bank, A division of Capital Community Bank	4.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Sallie Mae Bank	4.20%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.10% → 4.00% → 4.25% → 4.40% → 4.20%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Canadian Imperial Bank USA Abbeville Branch	4.01%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 30 days interest. Rate History: 4.56% → 4.43% → 4.31% → 4.21% → 4.01%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Capital One 360 Attalla Branch	4.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.50% → 4.20% → 4.00% → 4.10% → 4.00%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
MainStreet Bank Phenix-Girard Bank Branch	4.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.15% → 5.00% → 4.25% → 4.15% → 4.00%
Synchrony Bank United Bank Branch	4.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.60% → 4.50% → 4.40% → 4.20% → 4.00%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Valley National Bank Alexander Aliant Branch	4.00%	$500	-	Learn More
SadSack \| Dec 2, 2022 No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More Reviews (2)
Vio Bank, A Division of MidFirst Bank	3.85%	$500	-	Learn More Add Review
Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Truist Bank Luverne Branch	3.75%	$1,000	-	Learn More
Rate History: 3.00% → 3.50% → 4.00% → 3.55% → 3.75%
Customer \| Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More Reviews (6)
IncredibleBank Auburnbank Branch	3.55%	$1,000	-	Learn More Add Review
• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings. Rate History: 5.17% → 5.00% → 4.08% → 4.06% → 3.55%
nonsense \| May 21, 2021 avoid this Read More
Citizens Peoples Exchange Bank Branch	3.50%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
Bank Independent Moulton Branch	3.01%	$1,000	-	Learn More Add Review
Rate History: 4.01% → 4.53% → 4.02% → 3.02% → 3.01%
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.50% → 4.30% → 4.20% → 3.90% → 3.00%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Woodforest National Bank 8049 Birmingham Branch	2.50%	$500	-	Learn More
Rate History: 3.00% → 2.75% → 2.50% → 4.25% → 2.50%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Farmers and Merchants Bank Farmers And Merchants Bank Branch	2.27%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 1.15% → 2.27%
Wells Fargo Bank, National Association Downtown Branch	2.00%	$25,000	-	Learn More
Rate History: 2.00% → 1.50% → 3.25% → 2.00%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
Union State Bank Union State Bank Branch	1.25%	$500	-	Learn More Add Review
The Hometown Bank of Alabama The Hometown Bank Of Alabama Branch	1.00%	$10,000	-	Learn More
OldCrone \| Mar 16, 2023 The branch manager is unavailable and doesnt care what goes on as long as he is not bothered. The tellers are rude and referr to customers who ask for help as " special needs customers". Read More Reviews (1)
22nd State Bank First Exchange Bank Of Alabama Branch	0.85%	$10,000	-	Learn More Add Review
The Exchange Bank of Alabama Attalla Branch	0.80%	$10,000	-	Learn More Add Review
Brantley Bank and Trust Company Brantley Bank And Trust Company Branch	0.75%	$10,000	-	Learn More Add Review
The Citizens Bank The Citizens Bank Branch	0.75%	$10,000	-	Learn More Add Review
Peoples Independent Bank Horizon Bank Branch	0.75%	$10,000	-	Learn More
$Theta88008 \| Feb 9, 2024 Last week we called the People's Independent main branch to gain an understanding of the institution, a normal procedure for any family. We do not live in Boaz, AL, so we thought we could have our question... Read More Reviews (1)
Millennial Bank Covenant Bank Branch	0.75%	$10,000	-	Learn More Add Review
Southern States Bank Sylacauga Branch	0.75%	$10,000	-	Learn More Add Review
Metro Bank Metro Bank Branch	0.75%	$10,000	-	Learn More Add Review
FirstState Bank Firststate Bank Branch	0.75%	$500	-	Learn More Add Review
Liberty Bank Collinsville Branch	0.71%	$10,000	-	Learn More Add Review
ServisFirst Bank Servisfirst Bank Branch	0.71%	$10,000	-	Learn More Add Review
Alamerica Bank Alamerica Bank Branch	0.66%	$10,000	-	Learn More Add Review
First Federal Bank, A FSB First Federal Bank, A Fsb Branch	0.60%	$500	-	Learn More Add Review
First Jackson Bank, Inc. First Jackson Bank, Inc. Branch	0.60%	$1,000	-	Learn More Add Review
First State Bank of DeKalb County First State Bank Of Dekalb County Branch	0.60%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Citizens Bank & Trust Branch	0.60%	$10,000	-	Learn More Add Review
The Farmers & Merchants Bank The Farmers & Merchants Bank Branch	0.50%	$10,000	-	Learn More Add Review
Central State Bank Central State Bank Branch	0.50%	$10,000	-	Learn More
Bob Kuehner \| Apr 23, 2020 If you're not with Central State Bank and you're in business... why the heck not? I've been with CSB since 2007. In that time they've provided top tier service and a down home feel. My most recent exper... Read More Reviews (1)
First Citizens Bank First Citizens Bank Branch	0.50%	$10,000	-	Learn More Add Review
PeoplesTrust Bank Hackleburg Branch	0.50%	$10,000	-	Learn More Add Review
Merchants & Marine Bank Gulf Shores Branch	0.50%	$10,000	-	Learn More Add Review
NobleBank & Trust Noblebank & Trust Branch	0.50%	$10,000	-	Learn More
kdm0030 \| Jan 13, 2023 Disappointed! Wellsfargo is not great but better than Noble. Read More Reviews (1)
Pinnacle Bank Pinnacle Bank Branch	0.50%	$10,000	-	Learn More Add Review
Citizens Bank & Trust, Inc. Sand Mountain Branch	0.50%	$500	-	Learn More Add Review
West Alabama Bank & Trust Aliceville Branch	0.50%	$1,000	-	Learn More
Gavin Howard \| Mar 4, 2023 OMB controller currency CFPB mortgage loans originator regulation G 3170-0005 requested full disclosure Read More Reviews (1)
The Southern Bank Company The Southern Bank Company Branch	0.50%	$10,000	-	Learn More Add Review
First Bank of Boaz First Bank Of Boaz Branch	0.50%	$10,000	-	Learn More Add Review
The Commercial Bank Of Ozark The Commercial Bank Of Ozark Branch	0.48%	$10,000	-	Learn More Add Review
Robertson Banking Company Robertson Banking Company Branch	0.40%	$10,000	-	Learn More Add Review
First Southern State Bank First Southern State Bank Branch	0.40%	$10,000	-	Learn More Add Review
Cullman Savings Bank Cullman Savings Bank Branch	0.40%	$10,000	-	Learn More Add Review
HNB First Bank Hnb First Bank Branch	0.40%	$10,000	-	Learn More Add Review
SouthPoint Bank Southpoint Bank Branch	0.40%	$10,000	-	Learn More Add Review
First Community Bank of Central Alabama First Community Bank Of Central Alab Branch	0.40%	$10,000	-	Learn More Add Review
MidSouth Bank Eufaula Branch	0.40%	$10,000	-	Learn More
Chadpatt \| Jun 14, 2021 I have banked with Midsouth for 4 years. I deposited a check that was for $6,000. I explained at the time of the deposit that I needed the mo ur available for my sons surgery that was in a few days. They t... Read More Reviews (1)
CCB Community Bank Ccb Community Bank Branch	0.40%	$500	-	Learn More Add Review
The Samson Banking Company, Inc. The Samson Banking Company, Inc. Branch	0.40%	$10,000	-	Learn More Add Review
PeoplesSouth Bank Peoples Community Columbia Branch	0.40%	$10,000	-	Learn More Add Review
The First National Bank and Trust The First National Bank And Trust Branch	0.35%	$10,000	-	Learn More Add Review
CB&S Bank, Inc. Phil Campbell Branch	0.35%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
FirstBank Huntsville Branch	0.35%	$10,000	-	Learn More Add Review
Metro City Bank Opelika Branch	0.33%	$1,000	-	Learn More
thedon \| Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More Reviews (1)
Liberty Bank and Trust Company Tuskegee Branch	0.31%	$10,000	-	Learn More Add Review
AuburnBank Auburnbank Branch	0.30%	$500	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.30%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
First Fidelity Bank First Fidelity Bank Branch	0.30%	$10,000	-	Learn More Add Review
Community Spirit Bank Community Spirit Bank Branch	0.30%	$10,000	-	Learn More Add Review
Peoples Bank of Alabama Peoples Bank Of Alabama Branch	0.30%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Rucker Branch	0.30%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Bryant Bank Bryant Bank Branch	0.30%	$100,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 181 days interest.
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
First Bank of Alabama The First Bank Of Alabama Branch	0.25%	$10,000	-	Learn More Add Review
Citizens Trust Bank Third Avenue Branch	0.25%	$10,000	-	Learn More Add Review
First Southern Bank First Southern Bank Branch	0.25%	$10,000	-	Learn More Add Review
First Community Bank of Cullman First Community Bank Of Cullman Branch	0.25%	$500	-	Learn More Add Review
Renasant Bank Columbiana Branch	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Community Bank and Trust - Alabama Community Bank And Trust - Alabama Branch	0.25%	$10,000	-	Learn More Add Review
First State Bank of the South, Inc. First State Bank Of The South, Inc. Branch	0.25%	$10,000	-	Learn More Add Review
Sweet Water State Bank Sweet Water State Bank Branch	0.25%	$10,000	-	Learn More Add Review
First Cahawba Bank First Cahawba Bank Branch	0.25%	$10,000	-	Learn More Add Review
Oakworth Capital Bank Oakworth Capital Bank Branch	0.25%	$10,000	-	Learn More Add Review
BankFirst Financial Services Tuscaloosa County Branch	0.25%	$10,000	-	Learn More Add Review
Southern Independent Bank Southern Independent Bank Branch	0.23%	$1,000	-	Learn More
Terrible on line account information. Doesn't work on the weekends and neither do they \| Jul 27, 2020 If you don't mind the web site for your account on the week ends being down. This is the bank for you. When you have a problem you have to wait one to two days for someone in charge to call you back after ... Read More Reviews (1)
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
Peoples Exchange Bank Alabama Peoples Exchange Bank Branch	0.20%	$10,000	-	Learn More Add Review
First National Bank of Pulaski Huntsville Branch	0.20%	$10,000	-	Learn More
Tim, In Pulaski TN \| Aug 10, 2022 1st National Bank of Tennessee is not, in my opinion, a mobile friendly bank. Be aware that they do not have a 1-800 number on their cards. So, if it happens to be a weekend and you're out of town trying... Read More Reviews (1)
Citizens Trust Bank Third Avenue Branch	0.20%	$100,000	-	Learn More Add Review
The First National Bank of Hartford The First National Bank Of Hartford Branch	0.20%	$10,000	-	Learn More Add Review
AmeriFirst Bank Amerifirst Bank Branch	0.20%	$10,000	-	Learn More Add Review
Bryant Bank Bryant Bank Branch	0.20%	$10,000	-	Learn More Add Review
Community Bank of Mississippi Airport Boulevard Branch	0.20%	$10,000	-	Learn More Add Review
Centennial Bank Gulf Shores Branch	0.20%	$10,000	-	Learn More
Asj \| Nov 15, 2020 Do they? Read More Reviews (1)
Century Bank Mobile County Bank Branch	0.20%	$10,000	-	Learn More Add Review
Ameris Bank Dothan Branch	0.20%	$10,000	-	Learn More
COLETTE B \| May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More Reviews (4)
Commonwealth National Bank Commonwealth National Bank Branch	0.16%	$10,000	-	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More
Bank of Brewton Bank Of Brewton Branch	0.15%	$10,000	-	Learn More Add Review
Phenix-Girard Bank Phenix-Girard Bank Branch	0.15%	$10,000	-	Learn More
username \| Nov 5, 2021 only if you are a customer Read More Reviews (5)
Trustmark National Bank Banktrust Of Brewton/Branch	0.15%	$10,000	-	Learn More
trbf15 \| Nov 4, 2020 Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More Reviews (1)
Troy Bank & Trust Company Troy Bank & Trust Company Branch	0.11%	$10,000	-	Learn More Add Review
Citizens' Bank, Inc. Citizens' Bank, Inc. Branch	0.10%	$1,000	-	Learn More Add Review
Synovus Bank Dora Branch	0.10%	$10,000	-	Learn More
deb \| Jun 11, 2015 Synovus no longer offers this rate as of 5/8/2015---I called and asked Read More Reviews (1)
Friend Bank Friend Bank Branch	0.10%	$10,000	-	Learn More Add Review
Regions Bank Arab 1199 Brindlee Mountain Pkwy Bra Branch	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
PNC Bank, National Association First Citizens Bank Branch	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
EvaBank Evabank Branch	4113 Eva Road	Eva	AL
Finworth, a division of InsBank Geneva Branch	515 South Commerce Street	Geneva	AL
ableBanking, a division of Northeast Bank Merchants Bank Of Alabama Branch	900 Second Avenue, Sw	Cullman	AL
Canadian Imperial Bank USA Abbeville Branch	100 North Court Square	Abbeville	AL
Capital One 360 Attalla Branch	923 Attalla Boulevard	Attalla	AL
MainStreet Bank Phenix-Girard Bank Branch	801 13th Street	Phenix City	AL
Synchrony Bank United Bank Branch	200 East Nashville Avenue	Atmore	AL
Valley National Bank Alexander Aliant Branch	200 Aliant Parkway	Alexander City	AL
Truist Bank Luverne Branch	207 South Forest Avenue	Luverne	AL
IncredibleBank Auburnbank Branch	100 North Gay Street	Auburn	AL
Citizens Peoples Exchange Bank Branch	2013 Highway 21 Bypass	Monroeville	AL
Bank Independent Moulton Branch	15259 Court Street	Moulton	AL
Woodforest National Bank 8049 Birmingham Branch	1600 Mont Claire Road	Birmingham	AL
Farmers and Merchants Bank Farmers And Merchants Bank Branch	112 East Ladiga Street	Piedmont	AL
Wells Fargo Bank, National Association Downtown Branch	15 Jefferson Street	Alexander City	AL
Union State Bank Union State Bank Branch	15 20th Street North	Pell City	AL
The Hometown Bank of Alabama The Hometown Bank Of Alabama Branch	2002 2nd Avenue, East	Oneonta	AL
22nd State Bank First Exchange Bank Of Alabama Branch	1920 Main Street	Louisville	AL
The Exchange Bank of Alabama Attalla Branch	923 Attalla Boulevard	Attalla	AL
Brantley Bank and Trust Company Brantley Bank And Trust Company Branch	9402 North Main Street	Brantley	AL
The Citizens Bank The Citizens Bank Branch	301 South Edwards Street	Enterprise	AL
Peoples Independent Bank Horizon Bank Branch	1167 Main St	Fyffe	AL
Millennial Bank Covenant Bank Branch	7924 Parkway Drive	Leeds	AL
Southern States Bank Sylacauga Branch	101 West Fort Williams Street	Sylacauga	AL
Metro Bank Metro Bank Branch	800 Martin Street South	Pell City	AL
FirstState Bank Firststate Bank Branch	88730 Highway 9	Lineville	AL
Liberty Bank Collinsville Branch	5350 Alabama Highway 68	Collinsville	AL
ServisFirst Bank Servisfirst Bank Branch	2500 Woodcrest Place	Birmingham	AL
Alamerica Bank Alamerica Bank Branch	2170 Highland Avenue	Birmingham	AL
First Federal Bank, A FSB First Federal Bank, A Fsb Branch	1300 Mcfarland Boulevard, N.E.	Tuscaloosa	AL
First Jackson Bank, Inc. First Jackson Bank, Inc. Branch	43243 Us Highway 72	Stevenson	AL
First State Bank of DeKalb County First State Bank Of Dekalb County Branch	2407 Gault Avenue North	Fort Payne	AL
Citizens Bank & Trust Citizens Bank & Trust Branch	711 Gunter Avenue	Guntersville	AL
The Farmers & Merchants Bank The Farmers & Merchants Bank Branch	320 Main St	Waterloo	AL
Central State Bank Central State Bank Branch	11025 Hwy 25	Calera	AL
First Citizens Bank First Citizens Bank Branch	100 West Third Street	Luverne	AL
PeoplesTrust Bank Hackleburg Branch	34888 U.S. Highway 43	Hackleburg	AL
Merchants & Marine Bank Gulf Shores Branch	1820 South Gulf Shores Parkway	Gulf Shores	AL
NobleBank & Trust Noblebank & Trust Branch	1509 Quintard Avenue	Anniston	AL
Pinnacle Bank Pinnacle Bank Branch	1811 Second Avenue	Jasper	AL
Citizens Bank & Trust, Inc. Sand Mountain Branch	29316 Alabama Highway 71	Higdon	AL
West Alabama Bank & Trust Aliceville Branch	4 3rd Avenue Northwest	Aliceville	AL
The Southern Bank Company The Southern Bank Company Branch	221 S Sixth St	Gadsden	AL
First Bank of Boaz First Bank Of Boaz Branch	124 South Main Street	Boaz	AL
The Commercial Bank Of Ozark The Commercial Bank Of Ozark Branch	208 South Merrick Avenue	Ozark	AL
Robertson Banking Company Robertson Banking Company Branch	216 North Walnut Avenue	Demopolis	AL
First Southern State Bank First Southern State Bank Branch	80 Bank Street	Stevenson	AL
Cullman Savings Bank Cullman Savings Bank Branch	316 Second Avenue S.W.	Cullman	AL
HNB First Bank Hnb First Bank Branch	40 Main Street	Headland	AL
SouthPoint Bank Southpoint Bank Branch	3501 Grandview Parkway	Birmingham	AL
First Community Bank of Central Alabama First Community Bank Of Central Alab Branch	715 Wilson Street	Wetumpka	AL
MidSouth Bank Eufaula Branch	230 South Eufaula Avenue	Eufaula	AL
CCB Community Bank Ccb Community Bank Branch	225 East Three Notch Street	Andalusia	AL
The Samson Banking Company, Inc. The Samson Banking Company, Inc. Branch	2 West Main Street	Samson	AL
PeoplesSouth Bank Peoples Community Columbia Branch	109 East Church Street	Columbia	AL
The First National Bank and Trust The First National Bank And Trust Branch	111 South Main Street	Atmore	AL
CB&S Bank, Inc. Phil Campbell Branch	3571 Broad Street	Phil Campbell	AL
FirstBank Huntsville Branch	720 Gallatin Street Sw, Suite 150	Huntsville	AL
Metro City Bank Opelika Branch	1805 Gateway Drive	Opelika	AL
Liberty Bank and Trust Company Tuskegee Branch	301 North Elm Street	Tuskegee	AL
AuburnBank Auburnbank Branch	100 North Gay Street	Auburn	AL
First Fidelity Bank First Fidelity Bank Branch	1400 Gault Avenue North	Fort Payne	AL
Community Spirit Bank Community Spirit Bank Branch	200 4th Avenue Sw	Red Bay	AL
Peoples Bank of Alabama Peoples Bank Of Alabama Branch	1912 Cherokee Avenue, Sw	Cullman	AL
Armed Forces Bank, National Association Rucker Branch	Building 9207	Fort Rucker	AL
Bryant Bank Bryant Bank Branch	1550 Mcfarland Boulevard North	Tuscaloosa	AL
First Bank of Alabama The First Bank Of Alabama Branch	120 East North Street	Talladega	AL
Citizens Trust Bank Third Avenue Branch	1700 Third Avenue North	Birmingham	AL
First Southern Bank First Southern Bank Branch	301 South Court Street	Florence	AL
First Community Bank of Cullman First Community Bank Of Cullman Branch	420 2nd Avenue, Sw	Cullman	AL
Renasant Bank Columbiana Branch	106 E College St	Columbiana	AL
Bank47 Community Bank And Trust - Alabama Branch	202 North Powell Street	Union Springs	AL
First State Bank of the South, Inc. First State Bank Of The South, Inc. Branch	5856 Highway 278	Sulligent	AL
Sweet Water State Bank Sweet Water State Bank Branch	31385 Alabama Highway 10	Sweet Water	AL
First Cahawba Bank First Cahawba Bank Branch	2610 Citizens Parkway	Selma	AL
Oakworth Capital Bank Oakworth Capital Bank Branch	850 Shades Creek Parkway	Birmingham	AL
BankFirst Financial Services Tuscaloosa County Branch	2205-C 7th Street	Tuscaloosa	AL
Southern Independent Bank Southern Independent Bank Branch	503 North Main Street	Opp	AL
Peoples Exchange Bank Alabama Peoples Exchange Bank Branch	2013 Highway 21 Bypass	Monroeville	AL
First National Bank of Pulaski Huntsville Branch	2101 Clinton Ave., Suite 101	Huntsville	AL
Citizens Trust Bank Third Avenue Branch	1700 Third Avenue North	Birmingham	AL
The First National Bank of Hartford The First National Bank Of Hartford Branch	101 Third Avenue South	Hartford	AL
AmeriFirst Bank Amerifirst Bank Branch	104 Hardaway Avenue	Union Springs	AL
Bryant Bank Bryant Bank Branch	1550 Mcfarland Boulevard North	Tuscaloosa	AL
Community Bank of Mississippi Airport Boulevard Branch	6587 Airport Boulevard	Mobile	AL
Centennial Bank Gulf Shores Branch	2201 West First Street	Gulf Shores	AL
Century Bank Mobile County Bank Branch	Union Church Road And Highway 90	Grand Bay	AL
Ameris Bank Dothan Branch	3299 Ross Clark Circle	Dothan	AL
Commonwealth National Bank Commonwealth National Bank Branch	2214 St. Stephens Road	Mobile	AL
Bank of Brewton Bank Of Brewton Branch	102 Belleville Avenue	Brewton	AL
Phenix-Girard Bank Phenix-Girard Bank Branch	801 13th Street	Phenix City	AL
Trustmark National Bank Banktrust Of Brewton/Branch	227 Belleville Avenue	Brewton	AL
Troy Bank & Trust Company Troy Bank & Trust Company Branch	1000 Highway 231 South	Troy	AL
Citizens' Bank, Inc. Citizens' Bank, Inc. Branch	21980 Palmer Street	Robertsdale	AL
Synovus Bank Dora Branch	2123 Highway 78	Dora	AL
Friend Bank Friend Bank Branch	220 E. Lawrence Harris Hwy	Slocomb	AL
Regions Bank Arab 1199 Brindlee Mountain Pkwy Bra Branch	1199 N. Brindlee Mountain Parkway	Arab	AL
PNC Bank, National Association First Citizens Bank Branch	409 East Battle Street	Talladega	AL
Regions Bank Arab 1199 Brindlee Mountain Pkwy Bra Branch	1199 N. Brindlee Mountain Parkway	Arab	AL

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PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

CD Terms

CD Risk

How Interest is Paid

Interest Rate

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

The disadvantages of branch-based CDs are:

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Alabama

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