You Earn Our Best Rate

Earn our best rate no matter the term – whether short or long. Start growing your savings today and secure your financial future with us!



With a minimum opening deposit of $500, members may earn this high interest rate while planning and saving for the future. Contact Jennifer Smith, CD/IRA Specialist, at 256-439-5729 / 888-311-3728 ext. 5729 for more information on this and any other Certificate of Deposit or Retirement Account need. You may also email her at for any questions you may have.

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Check out all of our CD interest rates and more at Family Savings CU. More term options are available.  

Current Rates

* APY = Annual Percentage Yield. Rates accurate as of 08/04/2023 and are subject to change. A $500 minimum deposit required. Limited time offer. An early withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date. Dividends compounded quarterly.

Your accounts are insured up to $1,000,000 (one-million dollars) - Federally Insured by NCUA up to $250,000 and backed by the full faith and credit of the United States with additional insurance coverage of up to $750,000 on your account provided by Excess Share Insurance Corporation, a licensed insurance company. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.


CD Shorts

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 APY vs. APR: What's the Difference?

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Share Certificates vs. Savings Accounts: Making the Right Choice

Share Certificates (CD) FAQs: Answering Your Burning Questions