Best Special Rates and Terms in Gulf Shores, Alabama, AL

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Below are special Certificate of Deposit special rates and terms from banks in Gulf Shores, Alabama. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.

Gulf Shores, AL - November 11, 2026

What is the best special CD rate in Gulf Shores, AL?

As of November 11, 2026, the highest special CD rate from a bank in Gulf Shores, AL is 4.50% APY from Synchrony Bank. The table below ranks every special CD listed for this area. Rates change frequently, so check back for the latest numbers.

Bank	APY	MIN	PERIOD
Synchrony Bank Lillian Branch	4.50% 4.30% 4.30%	$0 $0	15 months	Learn More Reviews (71)
Early withdrawal penalty is 180 days' interest. Rate History: 3.80% → 3.90% → 4.10% → 4.30% → 4.50%
Hancock Whitney Bank Gulf Shores Branch	4.00%	$1,000	3 months	Learn More Reviews (1)
Rate History: 5.00% → 4.50% → 4.25% → 4.00%
Woodforest National Bank Al Gulf Shores Branch	4.00%	$500	8 months	Learn More Reviews (2)
Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00%
Regions Bank Gulf Shores 1400 Gulf Shores Pkwy Br Branch	4.00% 3.75% 3.75%	$501 $500	9 months	Learn More Reviews
Rate History: 4.35% → 4.00% → 3.70% → 3.50% → 4.00%
Wells Fargo Bank, National Association Gulf Shores Branch	3.74%	$2,500	7 months	Learn More Reviews (7)
Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74%
Wells Fargo Bank, National Association Gulf Shores Branch	3.64%	$2,500	15 months	Learn More Reviews (7)
Rate History: 3.74% → 3.64%
Wells Fargo Bank, National Association Gulf Shores Branch	3.59%	$2,500	11 months	Learn More Reviews (7)
Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59%
Woodforest National Bank Al Gulf Shores Branch	3.50%	$500	13 months	Learn More Reviews (2)
Rate History: 4.00% → 3.75% → 3.50% → 2.50% → 3.50%
PNC Bank, National Association Orange Beach Branch	3.50%	$1,000	13 months	Learn More Reviews (1)
Hancock Whitney Bank Gulf Shores Branch	3.49%	$1,000	5 months	Learn More Reviews (1)
Rate History: 5.00% → 4.50% → 4.15% → 3.75% → 3.49%
Regions Bank Gulf Shores 1400 Gulf Shores Pkwy Br Branch	3.25%	$501	13 months	Learn More Reviews
Rate History: 3.50% → 3.25%
CIT Bank, a division of First-Citizens Bank and Trust	3.25%	$1,000	13 months	Learn More Reviews (33)
Rate History: 3.50% → 3.35% → 3.25%
Regions Bank Gulf Shores 1400 Gulf Shores Pkwy Br Branch	3.00%	$500	13 months	Learn More Reviews
Rate History: 3.50% → 4.25% → 3.50% → 4.00% → 3.00%
Regions Bank Gulf Shores 1400 Gulf Shores Pkwy Br Branch	2.75%	$500	19 months	Learn More Reviews
Rate History: 3.75% → 2.75%
PNC Bank, National Association Orange Beach Branch	2.60%	$1,000	61 months	Learn More Reviews (1)
PNC Bank, National Association Orange Beach Branch	2.40%	$1,000	37 months	Learn More Reviews (1)
PNC Bank, National Association Orange Beach Branch	2.20%	$1,000	25 months	Learn More Reviews (1)
PNC Bank, National Association Orange Beach Branch	2.10%	$1,000	19 months	Learn More Reviews (1)
PNC Bank, National Association Orange Beach Branch	1.90%	$1,000	9 months	Learn More Reviews (1)
Rate History: 0.05% → 1.90%

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 Gulf Shores, AL - November 11, 2026

Branch	Street	City	State
Synchrony Bank Lillian Branch	34354 U.S. Highway 98	Lillian	AL
Synchrony Bank Lillian Branch	34354 U.S. Highway 98	Lillian	AL
Hancock Whitney Bank Gulf Shores Branch	1801 Gulf Shores Parkway	Gulf Shores	AL
Woodforest National Bank Al Gulf Shores Branch	170 East Fort Morgan Road	Gulf Shores	AL
Regions Bank Gulf Shores 1400 Gulf Shores Pkwy Br Branch	1400 Gulf Shores Parkway	Gulf Shores	AL
Regions Bank Gulf Shores 1400 Gulf Shores Pkwy Br Branch	1400 Gulf Shores Parkway	Gulf Shores	AL
Wells Fargo Bank, National Association Gulf Shores Branch	1617 Gulf Shores Parkway	Gulf Shores	AL
Wells Fargo Bank, National Association Gulf Shores Branch	1617 Gulf Shores Parkway	Gulf Shores	AL
Wells Fargo Bank, National Association Gulf Shores Branch	1617 Gulf Shores Parkway	Gulf Shores	AL
Woodforest National Bank Al Gulf Shores Branch	170 East Fort Morgan Road	Gulf Shores	AL
PNC Bank, National Association Orange Beach Branch	25405 Perdido Beach Boulevard	Orange Beach	AL
Hancock Whitney Bank Gulf Shores Branch	1801 Gulf Shores Parkway	Gulf Shores	AL
Regions Bank Gulf Shores 1400 Gulf Shores Pkwy Br Branch	1400 Gulf Shores Parkway	Gulf Shores	AL
Regions Bank Gulf Shores 1400 Gulf Shores Pkwy Br Branch	1400 Gulf Shores Parkway	Gulf Shores	AL
Regions Bank Gulf Shores 1400 Gulf Shores Pkwy Br Branch	1400 Gulf Shores Parkway	Gulf Shores	AL
PNC Bank, National Association Orange Beach Branch	25405 Perdido Beach Boulevard	Orange Beach	AL
PNC Bank, National Association Orange Beach Branch	25405 Perdido Beach Boulevard	Orange Beach	AL
PNC Bank, National Association Orange Beach Branch	25405 Perdido Beach Boulevard	Orange Beach	AL
PNC Bank, National Association Orange Beach Branch	25405 Perdido Beach Boulevard	Orange Beach	AL
PNC Bank, National Association Orange Beach Branch	25405 Perdido Beach Boulevard	Orange Beach	AL