South Carolina Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
South Carolina CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current South Carolina CD rates include Truliant Federal Credit UnionTruliant Federal Credit Union3621 Pelham Rd, Greenville, SC 29615A5.0 ★Texas Ratio: 6.43%Real return: +2.20%APY minus CPI (February 2026) offering Limited-Time 12 Month Term (new external funds required) at 5.00% APY, Family Trust Federal Credit UnionFamily Trust Federal Credit Union225 White St W, Rock Hill, SC 29730 4039A+5.0 ★Texas Ratio: 4.53%Real return: +2.20%APY minus CPI (February 2026) offering 36 Month Traditional Family Trust Certificate at 5.00% APY, Skyla Federal Credit UnionSkyla Federal Credit Union269 Harwich St, Rock Hill, SC 29730A5.0 ★Texas Ratio: 9.56%Real return: +1.95%APY minus CPI (February 2026) offering 48 Month Elite Jumbo CD at 4.75% APY, Honda Federal Credit UnionHonda Federal Credit Union1111 Honda Way, Timmonsville, SC 29161A+5.0 ★Texas Ratio: 2.74%Real return: +1.80%APY minus CPI (February 2026) offering 5 Year IRA Certificate - Roth at 4.60% APY, and Carolina Trust Federal Credit UnionCarolina Trust Federal Credit Union2518 Main St, Conway, SC 29526 3365A+5.0 ★Texas Ratio: 5.86%Real return: +1.74%APY minus CPI (February 2026) offering 18 Month Variable Rate IRA Certificate at 4.54% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in South Carolina side-by-side. South Carolina CD rates currently reach as high as 5.00% APY from Truliant Federal Credit Union at 3621 Pelham Rd, Greenville, SC 29615. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026
Compare Best CD Rates in South Carolina
South Carolina 3 Month CD Rates
MonitorBankRates South Carolina Average · 3 Month CD1.59% APY▲ 0.08% from last weekNational 2.09%
The average 3-month CD rate in South Carolina is 1.59% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
104 Trade St Ste G, Greer, SC 29651
3 Month Certificate
$5,000
3.75%
▲ 2.16% above South Carolina avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average1.59%▲ 2.16% above avgNationally 2.09%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates - 3 Month
$0
3.50%
▲ 1.91% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average1.59%▲ 1.91% above avgNationally 2.09%
Details
Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
215 N Pine St, Spartanburg, SC 29302
3 Month Certificate
$0
2.94%
▲ 1.35% above South Carolina avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 1.35% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
Santee Cooper Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
612 Rembert C Dennis Blvd, Moncks Corner, SC 29461
3 Month Share Certificate
$500
2.63%
▲ 1.04% above South Carolina avg
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▲ 1.04% above avgNationally 2.09%
Details
Rate History
No change since Oct 9, 2026 · 2.63% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Certificate - 3 Months - Preferred
$500
2.60%
▲ 1.01% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average1.59%▲ 1.01% above avgNationally 2.09%
Details
Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 2.60% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
3 Month Term
$0
2.50%
▲ 0.91% above South Carolina avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.91% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
Business 3 Month Term
$0
2.50%
▲ 0.91% above South Carolina avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.91% above avgNationally 2.09%
Details
Balance: $100,000+
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
3 Month IRA Plus Certificates
$0
2.47%
▲ 0.88% above South Carolina avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▲ 0.88% above avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
3 Month Share Certificates Plus
$0
2.47%
▲ 0.88% above South Carolina avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▲ 0.88% above avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
3 Month Term
$0
2.45%
▲ 0.86% above South Carolina avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.86% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
Business 3 Month Term
$0
2.45%
▲ 0.86% above South Carolina avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.86% above avgNationally 2.09%
Details
Balance: $25,000 - $99,999
Rate History
No change since Sep 24, 2026 · 2.45% APY · checked 5 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
3 Month Term
$0
2.40%
▲ 0.81% above South Carolina avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.81% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
Business 3 Month Term
$0
2.40%
▲ 0.81% above South Carolina avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.81% above avgNationally 2.09%
Details
Balance: $5,000 - $24,999
Rate History
No change since Sep 24, 2026 · 2.40% APY · checked 5 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
3 Month Term
$0
2.34%
▲ 0.75% above South Carolina avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.75% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
Business 3 Month Term
$0
2.34%
▲ 0.75% above South Carolina avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.75% above avgNationally 2.09%
Details
Balance: $250 - $4,999
Rate History
No change since Sep 24, 2026 · 2.34% APY · checked 5 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
3 Month Share Certificates
$0
2.27%
▲ 0.68% above South Carolina avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▲ 0.68% above avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 5 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
3 Month Certificate
$500
2.25%
▲ 0.66% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average1.59%▲ 0.66% above avgNationally 2.09%
Details
Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.25% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Certificate - 3 Months
$500
2.25%
▲ 0.66% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average1.59%▲ 0.66% above avgNationally 2.09%
Details
Base APY; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 2.25% APY
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
123 Broadbent Way, Anderson, SC 29625
Certificate - 3 Months
$500
2.01%
▲ 0.42% above South Carolina avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▲ 0.42% above avgNationally 2.09%
Details
Certificate types include Normal Term, Step Term, and IRA Term; Effective 04/06/2026; Declaration Date 04/06/2026; Minimum required to open for all types except Step; Other withdrawals prior to maturity subject to penalty
Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 6 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Augusta Rd, West Columbia, SC 29169
3 Month CD
$500
2.00%
▲ 0.41% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.41% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1530 Bourne St, Georgetown, SC 29440 4775
90 Day Share Certificates
$500
1.51%
▼ 0.08% below South Carolina avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.08% below avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 4 times
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
256 Meeting St, Charleston, SC 29401
3 Month Certificate of Deposit Accounts
$0
1.50%
▼ 0.09% below South Carolina avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average1.59%▼ 0.09% below avgNationally 2.09%
Details
Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 4 times
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
256 Meeting St, Charleston, SC 29401
Certificate of Deposit Accounts Balances Greater than - 3 Months
$0
1.50%
▼ 0.09% below South Carolina avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average1.59%▼ 0.09% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
3 Month Certificate
$500
1.50%
▼ 0.09% below South Carolina avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average1.59%▼ 0.09% below avgNationally 2.09%
Details
Rate History
No change since Sep 12, 2026 · 1.50% APY · checked 7 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
3 Month Share Certificate
$0
1.26%
▼ 0.33% below South Carolina avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.33% below avgNationally 2.09%
Details
+50k
Rate History
2 changes since Sep 22, 2026 · 1.26% → 1.26% ▼ 0.00 pts · high 1.26% / low 1.00%
- Oct 9, 20261.26%▲ from 1.00%
- Sep 26, 20261.00%▼ from 1.26%
- Sep 22, 20261.26%first recorded
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
3 Month Certificate
$1,000
1.25%
▼ 0.34% below South Carolina avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 0.34% below avgNationally 2.09%
Details
LESS THAN $25,000
Rate History
No change since Sep 8, 2026 · 1.25% APY · checked 7 times
Countybank
Institution Rating:
B+4.3 ★Texas Ratio: 5.52%
419 Main St, Greenwood, SC 29646
3 Month Certificate
$1,000
1.04%
▼ 0.55% below South Carolina avg
▼
Rate1.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 0.55% below avgNationally 2.09%
Details
Rate History
1 change since Sep 7, 2026 · 0.98% → 1.04% ▲ 0.06 pts · high 1.04% / low 0.98%
- Oct 7, 20261.04%▲ from 0.98%
- Sep 7, 20260.98%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
307 N Main St, Marion, SC 29571
3 Month - Relationship
$0
1.00%
▼ 0.59% below South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
307 N Main St, Marion, SC 29571
3 Month Certificate
$0
1.00%
▼ 0.59% below South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
307 N Main St, Marion, SC 29571
3 Month TD Choice CD
$250
1.00%
▼ 0.59% below South Carolina avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.09%
Details
Relationship APY; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$0
1.00%
▼ 0.59% below South Carolina avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.09%
Details
Balance tier: $100,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
1066 E Montague Ave, North Charleston, SC 29405
3 Month Share Certificates
$250
1.00%
▼ 0.59% below South Carolina avg
▼
Rate1.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.09%
Details
Dividends compounded quarterly
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
3 Month Share Certificate
$0
1.00%
▼ 0.59% below South Carolina avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.09%
Details
Rate History
No change since Sep 22, 2026 · 1.00% APY · checked 3 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$0
0.95%
▼ 0.64% below South Carolina avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▼ 0.64% below avgNationally 2.09%
Details
Balance tier: $75,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 7 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
522 Exchange St, Shaw AFB, SC 29152 5032
3 Month Share Investment Certificate
$100,000
0.90%
▼ 0.69% below South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average1.59%▼ 0.69% below avgNationally 2.09%
Details
Balance: $100,000+
Rate History
No change since Sep 17, 2026 · 0.90% APY · checked 2 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$0
0.90%
▼ 0.69% below South Carolina avg
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▼ 0.69% below avgNationally 2.09%
Details
Balance tier: $50,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$0
0.85%
▼ 0.74% below South Carolina avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▼ 0.74% below avgNationally 2.09%
Details
Balance tier: $25,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 7 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
522 Exchange St, Shaw AFB, SC 29152 5032
3 Month Share Investment Certificate
$50,000
0.80%
▼ 0.79% below South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average1.59%▼ 0.79% below avgNationally 2.09%
Details
Balance: $50,000+
Rate History
No change since Sep 17, 2026 · 0.80% APY · checked 2 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$0
0.80%
▼ 0.79% below South Carolina avg
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▼ 0.79% below avgNationally 2.09%
Details
Balance tier: $10,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 7 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
522 Exchange St, Shaw AFB, SC 29152 5032
3 Month Share Investment Certificate
$1,000
0.75%
▼ 0.84% below South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average1.59%▼ 0.84% below avgNationally 2.09%
Details
Balance: Up to $50,000
Rate History
No change since Sep 17, 2026 · 0.75% APY · checked 2 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$0
0.75%
▼ 0.84% below South Carolina avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▼ 0.84% below avgNationally 2.09%
Details
Balance tier: $1,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
124 N Main St, Clover, SC 29710
3 Month CD
$500
0.50%
▼ 1.09% below South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 1.09% below avgNationally 2.09%
Details
Rate History
No change since Sep 9, 2026 · 0.50% APY · checked 3 times
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
812 2nd Loop Rd, Florence, SC 29505 2828
3 Month Share Certificate
$1,000
0.50%
▼ 1.09% below South Carolina avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▼ 1.09% below avgNationally 2.09%
Details
Offered 8/11/2026 through 8/24/2026; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
Brookland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.07%
949 Sunset Blvd, West Columbia, SC 29169
3 Month Regular Certificates
$500
0.18%
▼ 1.41% below South Carolina avg
▼
Rate0.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 5, 2026
South Carolina Average1.59%▼ 1.41% below avgNationally 2.09%
Details
A penalty is imposed for early withdrawal. Dividends are compounded and credited quarterly.
Rate History
No change since Oct 5, 2026 · 0.18% APY
Brookland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.07%
949 Sunset Blvd, West Columbia, SC 29169
Regular Certificate - 3 months
$500
0.18%
▼ 1.41% below South Carolina avg
▼
Rate0.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 5, 2026
South Carolina Average1.59%▼ 1.41% below avgNationally 2.09%
Details
Dividends are compounded and credited quarterly. A penalty is imposed for early withdrawal.
Rate History
No change since Sep 14, 2026 · 0.18% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
16 Broad St, Charleston, SC 29401
3 month Standard Fixed Rate
$2,500
0.06%
▼ 1.53% below South Carolina avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 1.53% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
16 Broad St, Charleston, SC 29401
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.53% below South Carolina avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 1.53% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
16 Broad St, Charleston, SC 29401
3 month Standard Fixed Rate
$2,500
0.05%
▼ 1.54% below South Carolina avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 1.54% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 3 Month
$500
0.05%
▼ 1.54% below South Carolina avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average1.59%▼ 1.54% below avgNationally 2.09%
Details
Balance: $500.00 - $19,999.99
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 W Palmetto St, Florence, SC 29501
3 Month Certificate of Deposit
$0
0.03%
▼ 1.56% below South Carolina avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 1.56% below avgNationally 2.09%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
South Carolina 6 Month CD Rates
MonitorBankRates South Carolina Average · 6 Month CD2.55% APY▲ 0.01% from last weekNational 2.78%
The average 6-month CD rate in South Carolina is 2.55% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
350 Harrison Bridge Rd, Simpsonville, SC 29680
6 Month Term Share Certificate
$100,001
4.34%
▲ 1.79% above South Carolina avg
▼
Rate4.25%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.79% above avgNationally 2.78%
Details
Deposit Amount: $100,001 and up
Rate History
1 change since Oct 4, 2026 · 3.82% → 4.34% ▲ 0.52 pts · high 4.34% / low 3.82%
- Oct 12, 20264.34%▲ from 3.82%
- Oct 4, 20263.82%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
6 Month Jumbo CD
$50,000
4.10%
▲ 1.55% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 1.55% above avgNationally 2.78%
Details
Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
- Oct 5, 20264.10%▲ from 3.75%
- Sep 21, 20263.75%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
104 Trade St Ste G, Greer, SC 29651
6 Month Certificate
$500
4.10%
▲ 1.55% above South Carolina avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.55%▲ 1.55% above avgNationally 2.78%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
350 Harrison Bridge Rd, Simpsonville, SC 29680
6 Month Term Share Certificate
$50,001
4.08%
▲ 1.53% above South Carolina avg
▼
Rate4.00%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.53% above avgNationally 2.78%
Details
Balance: $50,001 to $100,000.99
Rate History
1 change since Oct 4, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 12, 20264.08%▲ from 3.82%
- Oct 4, 20263.82%first recorded
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
5 Bow Cir, Hilton Head Island, SC 29928
6-Month CD
$1,000
4.00%
▲ 1.45% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 1.45% above avgNationally 2.78%
Details
Valid for new clients or existing clients with a minimum of $25,000 in new money.
Rate History
1 change since Sep 9, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
- Sep 27, 20264.00%▲ from 3.55%
- Sep 9, 20263.55%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
6 Month IRA Traditional & Roth CD
$500
4.00%
▲ 1.45% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 1.45% above avgNationally 2.78%
Details
Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 13, 20264.00%▲ from 3.65%
- Sep 21, 20263.65%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
6 Month Regular CD
$500
4.00%
▲ 1.45% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 1.45% above avgNationally 2.78%
Details
Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 5, 20264.00%▲ from 3.65%
- Sep 21, 20263.65%first recorded
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
2347 Highway 17n, Mount Pleasant, SC 29466
6 Month Certificate of Deposit
$0
3.90%
▲ 1.35% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.55%▲ 1.35% above avgNationally 2.78%
Details
Rate History
No change since Sep 20, 2026 · 3.90% APY · checked 3 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
6 Month Share Certificate Accounts - IRA & Jumbo
$0
3.87%
▲ 1.32% above South Carolina avg
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 1.32% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 6 times
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
350 Harrison Bridge Rd, Simpsonville, SC 29680
6 Month Term Share Certificate
$1,000
3.82%
▲ 1.27% above South Carolina avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.27% above avgNationally 2.78%
Details
Deposit Amount: $1,000 to $50,000.99
Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
6 Month Share Certificate Accounts - Share
$500
3.75%
▲ 1.20% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 1.20% above avgNationally 2.78%
Details
Dividend Rate; $500 minimum investment
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates - 6 Month
$0
3.75%
▲ 1.20% above South Carolina avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.55%▲ 1.20% above avgNationally 2.78%
Details
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
144 S Main St, Bishopville, SC 29010
6-Month CD
$0
3.75%
▲ 1.20% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.55%▲ 1.20% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
144 S Main St, Bishopville, SC 29010
6-Month Term
$1,000
3.75%
▲ 1.20% above South Carolina avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.55%▲ 1.20% above avgNationally 2.78%
Details
Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2518 Main St, Conway, SC 29526 3365
6 Month IRA Share Certificate
$0
3.71%
▲ 1.16% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 1.16% above avgNationally 2.78%
Details
Minimum Balance: $250
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45%
- Oct 5, 20263.71%▲ from 3.45%
- Sep 14, 20263.45%first recorded
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
6 Month Certificate
$0
3.66%
▲ 1.11% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 1.11% above avgNationally 2.78%
Details
Balance tier: $100,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
6 Month Jumbo Certificate
$0
3.64%
▲ 1.09% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.09% above avgNationally 2.78%
Details
Rate History
No change since Sep 25, 2026 · 3.64% APY · checked 4 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
6 Month Certificate
$0
3.61%
▲ 1.06% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 1.06% above avgNationally 2.78%
Details
Balance tier: $50,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 21, 2026 · 3.61% APY · checked 6 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
522 Exchange St, Shaw AFB, SC 29152 5032
6 Month IRA Certificates
$100,000
3.60%
▲ 1.05% above South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.05% above avgNationally 2.78%
Details
Balance: $100,000+
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
522 Exchange St, Shaw AFB, SC 29152 5032
6 Month Share Investment Certificate
$100,000
3.60%
▲ 1.05% above South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.05% above avgNationally 2.78%
Details
Balance: $100,000+
Rate History
No change since Sep 17, 2026 · 3.60% APY · checked 2 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
6 Month Share Certificate
$0
3.59%
▲ 1.04% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.04% above avgNationally 2.78%
Details
+50k
Rate History
2 changes since Sep 22, 2026 · 3.59% → 3.59% ▼ 0.00 pts · high 3.59% / low 3.54%
- Oct 9, 20263.59%▲ from 3.54%
- Sep 26, 20263.54%▼ from 3.59%
- Sep 22, 20263.59%first recorded
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
6 Month Certificate
$0
3.56%
▲ 1.01% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 1.01% above avgNationally 2.78%
Details
Balance tier: $1,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 21, 2026 · 3.56% APY · checked 6 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
6 Month Certificate
$0
3.55%
▲ 1.00% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.00% above avgNationally 2.78%
Details
Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
123 Broadbent Way, Anderson, SC 29625
Certificate - 6 Months
$500
3.55%
▲ 1.00% above South Carolina avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 1.00% above avgNationally 2.78%
Details
Certificate types include Normal Term, Step Term, and IRA Term; Effective 04/06/2026; Declaration Date 04/06/2026; Minimum required to open for all types except Step; Other withdrawals prior to maturity subject to penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Santee Cooper Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
612 Rembert C Dennis Blvd, Moncks Corner, SC 29461
6 Month Share Certificate
$500
3.55%
▲ 1.00% above South Carolina avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.00% above avgNationally 2.78%
Details
Rate History
No change since Oct 9, 2026 · 3.55% APY
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
6 Month Share Certificate
$0
3.54%
▲ 0.99% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 0.99% above avgNationally 2.78%
Details
Rate History
No change since Sep 22, 2026 · 3.54% APY · checked 3 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
522 Exchange St, Shaw AFB, SC 29152 5032
6 Month IRA Certificates
$50,000
3.50%
▲ 0.95% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 0.95% above avgNationally 2.78%
Details
Balance: $50,000+
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
522 Exchange St, Shaw AFB, SC 29152 5032
6 Month Share Investment Certificate
$50,000
3.50%
▲ 0.95% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 0.95% above avgNationally 2.78%
Details
Balance: $50,000+
Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 2 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
143 Old Jackson Hwy, Beech Island, SC 29842
6 Month Term Share Certificate (or CD)
$0
3.50%
▲ 0.95% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 0.95% above avgNationally 2.78%
Details
Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.50% APY
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
522 Exchange St, Shaw AFB, SC 29152 5032
6 Month IRA Certificates
$1,000
3.45%
▲ 0.90% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 0.90% above avgNationally 2.78%
Details
Balance: Up to $50,000
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
522 Exchange St, Shaw AFB, SC 29152 5032
6 Month Share Investment Certificate
$1,000
3.45%
▲ 0.90% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 0.90% above avgNationally 2.78%
Details
Balance: Up to $50,000
Rate History
No change since Sep 17, 2026 · 3.45% APY · checked 2 times
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
1066 E Montague Ave, North Charleston, SC 29405
6 Month Share Certificates
$250
3.39%
▲ 0.84% above South Carolina avg
▼
Rate3.35%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 0.84% above avgNationally 2.78%
Details
Dividends compounded quarterly
Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
6 Month IRA Plus Certificates
$0
3.34%
▲ 0.79% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 0.79% above avgNationally 2.78%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
6 Month Share Certificates Plus
$0
3.34%
▲ 0.79% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 0.79% above avgNationally 2.78%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
110 Outlet Pointe Blvd, Columbia, SC 29210
6 Month Share Certificate Accounts
$500
3.30%
▲ 0.75% above South Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 0.75% above avgNationally 2.78%
Details
Rate History
No change since Sep 21, 2026 · 3.30% APY · checked 4 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
110 Outlet Pointe Blvd, Columbia, SC 29210
IRA Certificate Accounts - 6 Month
$500
3.30%
▲ 0.75% above South Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 0.75% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
6 Month Certificate
$1,000
3.25%
▲ 0.70% above South Carolina avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.70% above avgNationally 2.78%
Details
$50,000 - $99,999
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Certificate - 6 Months - Preferred
$500
3.25%
▲ 0.70% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 0.70% above avgNationally 2.78%
Details
Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 3.25% APY
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
215 N Pine St, Spartanburg, SC 29302
6 Month Certificate
$0
3.20%
▲ 0.65% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.65% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
6 Month Certificate
$1,000
3.20%
▲ 0.65% above South Carolina avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.65% above avgNationally 2.78%
Details
$25,000 - $49,999
Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
6 Month Share Certificates
$0
3.14%
▲ 0.59% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.55%▲ 0.59% above avgNationally 2.78%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 5 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
6 Month Term
$0
3.00%
▲ 0.45% above South Carolina avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.45% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
Business 6 Month Term
$0
3.00%
▲ 0.45% above South Carolina avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.45% above avgNationally 2.78%
Details
Balance: $100,000+
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
6 Month Term
$0
2.95%
▲ 0.40% above South Carolina avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.40% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
Business 6 Month Term
$0
2.95%
▲ 0.40% above South Carolina avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.40% above avgNationally 2.78%
Details
Balance: $25,000 - $99,999
Rate History
No change since Sep 24, 2026 · 2.95% APY · checked 5 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
6 Month Term
$0
2.90%
▲ 0.35% above South Carolina avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.35% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
Business 6 Month Term
$0
2.90%
▲ 0.35% above South Carolina avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.35% above avgNationally 2.78%
Details
Balance: $5,000 - $24,999
Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 5 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
6 Month Certificate
$500
2.90%
▲ 0.35% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 0.35% above avgNationally 2.78%
Details
Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.90% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Certificate - 6 Months
$500
2.90%
▲ 0.35% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 0.35% above avgNationally 2.78%
Details
Base APY; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 2.90% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
6 Month Term
$0
2.84%
▲ 0.29% above South Carolina avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.29% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 6 times
South Carolina 12 Month CD Rates
MonitorBankRates South Carolina Average · 12 Month CD3.02% APY▲ 0.06% from last weekNational 2.99%
The average 12-month CD rate in South Carolina is 3.02% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
Limited-Time 12 Month Term (new external funds required)
$0
5.00%
▲ 1.98% above South Carolina avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average3.02%▲ 1.98% above avgNationally 2.99%
Details
New external funds required
Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
North Rivers Center, North Charleston, SC 29406
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.33% above South Carolina avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 1.33% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
12 Month Elite Jumbo CD
$250,000
4.35%
▲ 1.33% above South Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 1.33% above avgNationally 2.99%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
104 Trade St Ste G, Greer, SC 29651
12 Month Certificate
$500
4.30%
▲ 1.28% above South Carolina avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 1.28% above avgNationally 2.99%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
- Sep 27, 20264.30%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
12 Month Jumbo CD
$50,000
4.20%
▲ 1.18% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 1.18% above avgNationally 2.99%
Details
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 5, 20264.20%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
12 Month Share Certificate Accounts - IRA & Jumbo
$0
4.17%
▲ 1.15% above South Carolina avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 1.15% above avgNationally 2.99%
Details
Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.17% ▲ 0.20 pts · high 4.17% / low 3.97%
- Oct 13, 20264.17%▲ from 4.12%
- Sep 25, 20264.12%▲ from 4.07%
- Sep 18, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
OPTUS Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1501 Gervais St, Columbia, SC 29201
12-Month Certificate of Deposit
$5,000
4.13%
▲ 1.11% above South Carolina avg
▼
Rate4.05%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average3.02%▲ 1.11% above avgNationally 2.99%
Details
Qualifying new relationship clients only. Offering rate effective June 1, 2026 through December 31, 2026 and is subject to change without notice. A penalty will be imposed for early withdrawal from Certificate of Deposit accounts. Certificate of Deposit rates are fixed for the term of the CD. Fees may reduce earnings. Offers may be withdrawn at any time without notice.
Rate History
No change since Sep 7, 2026 · 4.13% APY · checked 7 times
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
5 Bow Cir, Hilton Head Island, SC 29928
12-Month CD
$1,000
4.10%
▲ 1.08% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average3.02%▲ 1.08% above avgNationally 2.99%
Details
Valid for new clients or existing clients with a minimum of $25,000 in new money.
Rate History
1 change since Sep 9, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
- Sep 27, 20264.10%▲ from 3.40%
- Sep 9, 20263.40%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
12 Month Jumbo Certificate
$0
4.10%
▲ 1.08% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 1.08% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 3.84% → 4.10% ▲ 0.26 pts · high 4.10% / low 3.84%
- Oct 4, 20264.10%▲ from 3.84%
- Sep 25, 20263.84%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
1 Year IRA Traditional & Roth CD
$500
4.10%
▲ 1.08% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 1.08% above avgNationally 2.99%
Details
Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
- Oct 13, 20264.10%▲ from 3.75%
- Sep 21, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
12 Month Regular CD
$500
4.10%
▲ 1.08% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 1.08% above avgNationally 2.99%
Details
Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
- Oct 5, 20264.10%▲ from 3.75%
- Sep 21, 20263.75%first recorded
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
350 Harrison Bridge Rd, Simpsonville, SC 29680
12 Month Term Share Certificate
$100,001
4.08%
▲ 1.06% above South Carolina avg
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 1.06% above avgNationally 2.99%
Details
Deposit Amount: $100,001 and up
Rate History
1 change since Oct 4, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Oct 12, 20264.08%▲ from 3.56%
- Oct 4, 20263.56%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
280 Commonwealth Dr, Greenville, SC 29615 4813
6-12 Month IRA Certificate
$500
4.08%
▲ 1.06% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 1.06% above avgNationally 2.99%
Details
Penalty for early withdrawal, unless 59 1/2
Rate History
1 change since Sep 25, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 13, 20264.08%▲ from 3.82%
- Sep 25, 20263.82%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
280 Commonwealth Dr, Greenville, SC 29615 4813
6-12 Month Share Certificate
$500
4.08%
▲ 1.06% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 1.06% above avgNationally 2.99%
Details
Early withdrawals subject to loss of dividends up to 90 days
Rate History
1 change since Sep 25, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 13, 20264.08%▲ from 3.82%
- Sep 25, 20263.82%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
607 N Main St, Lancaster, SC 29720
Fixed Rate IRA Certificates - 12 Month Certificate
$500
4.06%
▲ 1.04% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 1.04% above avgNationally 2.99%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.06% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
12 Month IRA Certificate
$0
4.05%
▲ 1.03% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 1.03% above avgNationally 2.99%
Details
Minimum Balances of $500
Rate History
1 change since Sep 25, 2026 · 3.79% → 4.05% ▲ 0.26 pts · high 4.05% / low 3.79%
- Oct 4, 20264.05%▲ from 3.79%
- Sep 25, 20263.79%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
12 Month Share Certificate Accounts - Share
$500
4.05%
▲ 1.03% above South Carolina avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 1.03% above avgNationally 2.99%
Details
Dividend Rate; $500 minimum investment
Rate History
2 changes since Sep 18, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 9, 20264.05%▲ from 4.00%
- Sep 25, 20264.00%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
North Rivers Center, North Charleston, SC 29406
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.98% above South Carolina avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 0.98% above avgNationally 2.99%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
12 Month Certificate
$0
4.00%
▲ 0.98% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 3.74% → 4.00% ▲ 0.26 pts · high 4.00% / low 3.74%
- Oct 4, 20264.00%▲ from 3.74%
- Sep 25, 20263.74%first recorded
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates - 12 Month Special
$0
4.00%
▲ 0.98% above South Carolina avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
144 S Main St, Bishopville, SC 29010
1-Year CD
$0
4.00%
▲ 0.98% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
144 S Main St, Bishopville, SC 29010
1-Year Term
$1,000
4.00%
▲ 0.98% above South Carolina avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
12 Month Certificate
$250,000
3.92%
▲ 0.90% above South Carolina avg
▼
Rate3.85%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.90% above avgNationally 2.99%
Details
APY*: 3.92%
Rate History
No change since Oct 4, 2026 · 3.92% APY · checked 3 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
12 Month Certificate
$0
3.92%
▲ 0.90% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.90% above avgNationally 2.99%
Details
Balance tier: $100,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
12 Month IRA Certificate
$0
3.92%
▲ 0.90% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.90% above avgNationally 2.99%
Details
Balance tier: $100,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
110 Outlet Pointe Blvd, Columbia, SC 29210
12 Month Share Certificate Accounts
$500
3.92%
▲ 0.90% above South Carolina avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.90% above avgNationally 2.99%
Details
Rate History
1 change since Sep 21, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
- Oct 9, 20263.92%▲ from 3.66%
- Sep 21, 20263.66%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
110 Outlet Pointe Blvd, Columbia, SC 29210
IRA Certificate Accounts - 12 Month
$500
3.92%
▲ 0.90% above South Carolina avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.90% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
- Oct 9, 20263.92%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
247 N Main St, Woodruff, SC 29388
12 month CD
$1,000
3.91%
▲ 0.89% above South Carolina avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.89% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
2347 Highway 17n, Mount Pleasant, SC 29466
12 Month Certificate of Deposit
$0
3.91%
▲ 0.89% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average3.02%▲ 0.89% above avgNationally 2.99%
Details
Rate History
No change since Sep 20, 2026 · 3.91% APY · checked 3 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
143 Old Jackson Hwy, Beech Island, SC 29842
1 Year Advantage Share Certificate
$0
3.90%
▲ 0.88% above South Carolina avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.88% above avgNationally 2.99%
Details
IRA; Effective September 28, 2026; Advantage Certificate pays a premium dividend
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Sep 29, 20263.90%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
143 Old Jackson Hwy, Beech Island, SC 29842
1 Year Loyalty Term Share Certificate (or CD)
$0
3.90%
▲ 0.88% above South Carolina avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.88% above avgNationally 2.99%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.90% APY
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
12 Month Certificate
$100,000
3.87%
▲ 0.85% above South Carolina avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.85% above avgNationally 2.99%
Details
APY*: 3.87%
Rate History
No change since Oct 4, 2026 · 3.87% APY · checked 3 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
12 Month Certificate
$0
3.87%
▲ 0.85% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.85% above avgNationally 2.99%
Details
Balance tier: $50,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 21, 2026 · 3.87% APY · checked 6 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
12 Month IRA Certificate
$0
3.87%
▲ 0.85% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.85% above avgNationally 2.99%
Details
Balance tier: $50,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 21, 2026 · 3.87% APY · checked 6 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
12 Month Certificate
$500
3.82%
▲ 0.80% above South Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.80% above avgNationally 2.99%
Details
APY*: 3.82%
Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
350 Harrison Bridge Rd, Simpsonville, SC 29680
12 Month Term Share Certificate
$50,001
3.82%
▲ 0.80% above South Carolina avg
▼
Rate3.75%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.80% above avgNationally 2.99%
Details
Balance: $50,001 to $100,000.99
Rate History
1 change since Oct 4, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 12, 20263.82%▲ from 3.56%
- Oct 4, 20263.56%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2518 Main St, Conway, SC 29526 3365
12 Month IRA Share Certificate
$0
3.82%
▲ 0.80% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.80% above avgNationally 2.99%
Details
Minimum Balance: $250
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 5, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
12 Month Certificate
$0
3.82%
▲ 0.80% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.80% above avgNationally 2.99%
Details
Balance tier: $1,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 6 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
12 Month IRA Certificate
$0
3.82%
▲ 0.80% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.80% above avgNationally 2.99%
Details
Balance tier: $500.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 6 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
607 N Main St, Lancaster, SC 29720
12 Month Certificate
$500
3.80%
▲ 0.78% above South Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.78% above avgNationally 2.99%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 4.06% / low 3.80%
- Oct 5, 20263.80%▼ from 4.06%
- Sep 21, 20264.06%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
607 N Main St, Lancaster, SC 29720
12 Month SmartStart
$100
3.80%
▲ 0.78% above South Carolina avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.78% above avgNationally 2.99%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly; SmartStart Certificate available to a minor, age 17 and under, with an owner who has reached the age of majority under state law; deposits can be made at any time
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
12 Month Share Certificate
$0
3.80%
▲ 0.78% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.78% above avgNationally 2.99%
Details
IRA & +25k
Rate History
2 changes since Sep 22, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 3.80% / low 3.64%
- Oct 9, 20263.80%▲ from 3.64%
- Sep 26, 20263.64%▼ from 3.80%
- Sep 22, 20263.80%first recorded
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
12 Month Certificate
$500
3.75%
▲ 0.73% above South Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details
$50,000 - $99,999
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
12 MOS Senior
$5,000
3.75%
▲ 0.73% above South Carolina avg
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details
LESS THAN $25,000
Rate History
1 change since Sep 8, 2026 · 3.51% → 3.75% ▲ 0.24 pts · high 3.75% / low 3.51%
- Sep 18, 20263.75%▲ from 3.51%
- Sep 8, 20263.51%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Certificate - 12 Months - Preferred
$500
3.75%
▲ 0.73% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details
Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 3.75% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
12 Month Traditional Family Trust Certificate
$500
3.75%
▲ 0.73% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details
Roth and SEP also available; Min. balance to earn APY tier: $20,000; Traditional IRA Certificates
Rate History
No change since Oct 13, 2026 · 3.75% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
12 Month Traditional IRA Certificates
$500
3.75%
▲ 0.73% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details
Roth and SEP also available; Min. balance to earn APY: $20,000; Traditional IRA Certificates
Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 12 Month
$500
3.75%
▲ 0.73% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details
Balance: $500.00 - $19,999.99
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Explorer's Club Certificate - 12 Month
$100
3.75%
▲ 0.73% above South Carolina avg
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details
Min. Balance to Earn APY: $100; Dividend rate and APY determined weekly; dividend compounding and crediting quarterly; fixed rate for the term; penalty may apply for early withdrawals
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 7 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
1522 Bushy Park Rd, Goose Creek, SC 29445
12 Month Jumbo Certificate Specials
$500,000
3.75%
▲ 0.73% above South Carolina avg
▼
Rate3.68%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details
Minimum deposit: May be purchased in any denomination above $500,000; Subject to early withdrawal penalty; Limited quantity
Rate History
1 change since Sep 17, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
- Oct 13, 20263.75%▲ from 3.70%
- Sep 17, 20263.70%first recorded
South Carolina 18 Month CD Rates
MonitorBankRates South Carolina Average · 18 Month CD2.64% APY▼ 0.03% from last weekNational 2.87%
The average 18-month CD rate in South Carolina is 2.64% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2518 Main St, Conway, SC 29526 3365
18 Month Variable Rate IRA Certificate
$0
4.54%
▲ 1.90% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.90% above avgNationally 2.87%
Details
IRA certificate; variable rate; subject to change on the last Thursday of the month without prior notice; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.54% ▲ 0.47 pts · high 4.54% / low 4.07%
- Oct 5, 20264.54%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2518 Main St, Conway, SC 29526 3365
18 Month Variable Rate Share Certificate
$0
4.54%
▲ 1.90% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.90% above avgNationally 2.87%
Details
Variable rate; subject to change on the last Thursday of the month without prior notice; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.54% ▲ 0.47 pts · high 4.54% / low 4.07%
- Oct 5, 20264.54%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
18 Month Jumbo CD
$50,000
4.45%
▲ 1.81% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.81% above avgNationally 2.87%
Details
Senior
Rate History
2 changes since Sep 21, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
- Oct 13, 20264.45%▲ from 4.25%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
104 Trade St Ste G, Greer, SC 29651
18 Month Certificate
$500
4.40%
▲ 1.76% above South Carolina avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.64%▲ 1.76% above avgNationally 2.87%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Sep 27, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
18 Month Regular CD
$500
4.35%
▲ 1.71% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.71% above avgNationally 2.87%
Details
Senior
Rate History
2 changes since Sep 21, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
- Oct 13, 20264.35%▲ from 4.15%
- Oct 5, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2518 Main St, Conway, SC 29526 3365
18 Month IRA Share Certificate
$0
4.33%
▲ 1.69% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.69% above avgNationally 2.87%
Details
Minimum Balance: $250
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 5, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
18 Month Jumbo CD
$50,000
4.25%
▲ 1.61% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.61% above avgNationally 2.87%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
5 Bow Cir, Hilton Head Island, SC 29928
18-Month CD
$1,000
4.20%
▲ 1.56% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 1.56% above avgNationally 2.87%
Details
Valid for new clients or existing clients with a minimum of $25,000 in new money.
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 4 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
18 Month IRA Traditional & Roth CD
$500
4.15%
▲ 1.51% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.51% above avgNationally 2.87%
Details
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 13, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
18 Month Regular CD
$500
4.15%
▲ 1.51% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.51% above avgNationally 2.87%
Details
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 5, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
18 Month Share Certificate Accounts - IRA & Jumbo
$0
4.02%
▲ 1.38% above South Carolina avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.38% above avgNationally 2.87%
Details
Rate History
3 changes since Sep 14, 2026 · 3.67% → 4.02% ▲ 0.35 pts · high 4.02% / low 3.67%
- Oct 13, 20264.02%▲ from 3.87%
- Sep 25, 20263.87%▲ from 3.82%
- Sep 18, 20263.82%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
18 Month Share Certificate Accounts - Share
$500
3.90%
▲ 1.26% above South Carolina avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.26% above avgNationally 2.87%
Details
Dividend Rate; $500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
- Oct 9, 20263.90%▲ from 3.85%
- Oct 5, 20263.85%▲ from 3.75%
- Sep 25, 20263.75%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
2347 Highway 17n, Mount Pleasant, SC 29466
18 Month Certificate of Deposit
$0
3.75%
▲ 1.11% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.64%▲ 1.11% above avgNationally 2.87%
Details
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 3 times
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates - 18 Month Special
$0
3.75%
▲ 1.11% above South Carolina avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.64%▲ 1.11% above avgNationally 2.87%
Details
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
18 Month IRA Certificate
$0
3.71%
▲ 1.07% above South Carolina avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.07% above avgNationally 2.87%
Details
Balance tier: $100,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
North Rivers Center, North Charleston, SC 29406
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 1.06% above South Carolina avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.64%▲ 1.06% above avgNationally 2.87%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
18 Month Certificate
$250,000
3.66%
▲ 1.02% above South Carolina avg
▼
Rate3.60%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 1.02% above avgNationally 2.87%
Details
APY*: 3.66%
Rate History
No change since Oct 4, 2026 · 3.66% APY · checked 3 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
18 Month IRA Certificate
$0
3.66%
▲ 1.02% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.02% above avgNationally 2.87%
Details
Balance tier: $50,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 21, 2026 · 3.66% APY · checked 6 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
18 Month Certificate
$100,000
3.61%
▲ 0.97% above South Carolina avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.97% above avgNationally 2.87%
Details
APY*: 3.61%
Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 3 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
18 Month IRA Certificate
$0
3.61%
▲ 0.97% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.97% above avgNationally 2.87%
Details
Balance tier: $500.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 21, 2026 · 3.61% APY · checked 6 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
18 Month Share Certificate
$0
3.59%
▲ 0.95% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.64%▲ 0.95% above avgNationally 2.87%
Details
+50k
Rate History
2 changes since Sep 22, 2026 · 3.59% → 3.59% ▼ 0.00 pts · high 3.59% / low 3.54%
- Oct 9, 20263.59%▲ from 3.54%
- Sep 26, 20263.54%▼ from 3.59%
- Sep 22, 20263.59%first recorded
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
18 Month Certificate
$500
3.56%
▲ 0.92% above South Carolina avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.92% above avgNationally 2.87%
Details
APY*: 3.56%
Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
1522 Bushy Park Rd, Goose Creek, SC 29445
Jumbo Certificate - 18 Months
$100,000
3.55%
▲ 0.91% above South Carolina avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.91% above avgNationally 2.87%
Details
Minimum $100,000; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
18 Month Share Certificate
$0
3.54%
▲ 0.90% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.64%▲ 0.90% above avgNationally 2.87%
Details
Rate History
No change since Sep 22, 2026 · 3.54% APY · checked 3 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Certificate - 18 Months - Preferred
$500
3.50%
▲ 0.86% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.86% above avgNationally 2.87%
Details
Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 3.50% APY
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificate - 18 Month
$0
3.50%
▲ 0.86% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.86% above avgNationally 2.87%
Details
Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
123 Broadbent Way, Anderson, SC 29625
Certificate - 18 Months
$500
3.49%
▲ 0.85% above South Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.85% above avgNationally 2.87%
Details
Certificate types include Normal Term, Step Term, and IRA Term; Effective 04/06/2026; Declaration Date 04/06/2026; Minimum required to open for all types except Step; Other withdrawals prior to maturity subject to penalty
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 6 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
215 N Pine St, Spartanburg, SC 29302
18 Month Certificate
$0
3.46%
▲ 0.82% above South Carolina avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.82% above avgNationally 2.87%
Details
Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
18 Month IRA Plus Certificates
$0
3.44%
▲ 0.80% above South Carolina avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.80% above avgNationally 2.87%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
18 Month Share Certificates Plus
$0
3.44%
▲ 0.80% above South Carolina avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.80% above avgNationally 2.87%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
42 Plaza Dr, Travelers Rest, SC 29690
18 Month Certificates of Deposit
$1,000
3.34%
▲ 0.70% above South Carolina avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.70% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 3.19% → 3.34% ▲ 0.15 pts · high 3.34% / low 3.19%
- Oct 2, 20263.34%▲ from 3.19%
- Sep 18, 20263.19%first recorded
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
42 Plaza Dr, Travelers Rest, SC 29690
IRA 18 Months Fixed
$0
3.34%
▲ 0.70% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.70% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 3.03% → 3.34% ▲ 0.31 pts · high 3.34% / low 3.03%
- Oct 2, 20263.34%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
42 Plaza Dr, Travelers Rest, SC 29690
IRA 18 Months Variable
$0
3.34%
▲ 0.70% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.70% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 3.03% → 3.34% ▲ 0.31 pts · high 3.34% / low 3.03%
- Oct 2, 20263.34%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
350 Harrison Bridge Rd, Simpsonville, SC 29680
18 Month Term Share Certificate
$100,001
3.30%
▲ 0.66% above South Carolina avg
▼
Rate3.25%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.66% above avgNationally 2.87%
Details
Deposit Amount: $100,001 and up
Rate History
1 change since Oct 4, 2026 · 2.79% → 3.30% ▲ 0.51 pts · high 3.30% / low 2.79%
- Oct 12, 20263.30%▲ from 2.79%
- Oct 4, 20262.79%first recorded
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
247 N Main St, Woodruff, SC 29388
18 month CD
$1,000
3.24%
▲ 0.60% above South Carolina avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.60% above avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 3.24% APY · checked 2 times
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
247 N Main St, Woodruff, SC 29388
IRA (18 month) CD
$1,000
3.24%
▲ 0.60% above South Carolina avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.60% above avgNationally 2.87%
Details
Available as 18-month CDs.
Rate History
No change since Oct 8, 2026 · 3.24% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
18 Month Share Certificates
$0
3.24%
▲ 0.60% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.60% above avgNationally 2.87%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 5 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
18 Month Term
$0
3.20%
▲ 0.56% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.56% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
18 Month Certificate
$500
3.20%
▲ 0.56% above South Carolina avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.56% above avgNationally 2.87%
Details
$100,000 OR MORE
Rate History
No change since Sep 8, 2026 · 3.20% APY · checked 3 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
18 Month Term
$0
3.15%
▲ 0.51% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.51% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
18 Month Certificate
$500
3.15%
▲ 0.51% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.51% above avgNationally 2.87%
Details
Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.15% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Certificate - 18 Months
$500
3.15%
▲ 0.51% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.51% above avgNationally 2.87%
Details
Base APY; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 3.15% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
18 Month Term
$0
3.10%
▲ 0.46% above South Carolina avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.46% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 6 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
18 Month Certificate
$500
3.10%
▲ 0.46% above South Carolina avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.46% above avgNationally 2.87%
Details
$50,000 - $99,999
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1530 Bourne St, Georgetown, SC 29440 4775
18 Month Share Certificates
$500
3.09%
▲ 0.45% above South Carolina avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.64%▲ 0.45% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 4 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
18 Month Certificate
$500
3.05%
▲ 0.41% above South Carolina avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.41% above avgNationally 2.87%
Details
$25,000 - $49,999
Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 2 times
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
350 Harrison Bridge Rd, Simpsonville, SC 29680
18 Month Term Share Certificate
$50,001
3.05%
▲ 0.41% above South Carolina avg
▼
Rate3.00%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.41% above avgNationally 2.87%
Details
Balance: $50,001 to $100,000.99
Rate History
1 change since Oct 4, 2026 · 2.79% → 3.05% ▲ 0.26 pts · high 3.05% / low 2.79%
- Oct 12, 20263.05%▲ from 2.79%
- Oct 4, 20262.79%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
18 Month Term
$0
3.04%
▲ 0.40% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.40% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 6 times
Santee Cooper Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
612 Rembert C Dennis Blvd, Moncks Corner, SC 29461
18 Month Share Certificate
$500
3.03%
▲ 0.39% above South Carolina avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.64%▲ 0.39% above avgNationally 2.87%
Details
Rate History
No change since Oct 9, 2026 · 3.03% APY
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
18 Month Certificate
$500
3.00%
▲ 0.36% above South Carolina avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.36% above avgNationally 2.87%
Details
LESS THAN $25,000
Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 7 times
South Carolina 24 Month CD Rates
MonitorBankRates South Carolina Average · 24 Month CD2.77% APY▲ 0.03% from last weekNational 2.88%
The average 24-month CD rate in South Carolina is 2.77% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
24 Month Elite Jumbo CD
$250,000
4.45%
▲ 1.68% above South Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.68% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
- Oct 5, 20264.45%▲ from 4.10%
- Sep 21, 20264.10%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
280 Commonwealth Dr, Greenville, SC 29615 4813
13-24 Month IRA Certificate
$500
4.34%
▲ 1.57% above South Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.57% above avgNationally 2.88%
Details
Penalty for early withdrawal, unless 59 1/2
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
280 Commonwealth Dr, Greenville, SC 29615 4813
13-24 Month Share Certificate
$500
4.34%
▲ 1.57% above South Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.57% above avgNationally 2.88%
Details
Early withdrawals subject to loss of dividends up to 90 days
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
24 Month Jumbo CD
$50,000
4.30%
▲ 1.53% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.53% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 5, 20264.30%▲ from 3.95%
- Sep 21, 20263.95%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
104 Trade St Ste G, Greer, SC 29651
24 Month Certificate
$500
4.25%
▲ 1.48% above South Carolina avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.77%▲ 1.48% above avgNationally 2.88%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Sep 27, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
2 Year IRA Traditional & Roth CD
$500
4.20%
▲ 1.43% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.43% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 13, 20264.20%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
24 Month Regular CD
$500
4.20%
▲ 1.43% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.43% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 5, 20264.20%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
607 N Main St, Lancaster, SC 29720
Fixed Rate IRA Certificates - 24 Month Certificate
$500
4.11%
▲ 1.34% above South Carolina avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.34% above avgNationally 2.88%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.11% APY
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
24 Month Share Certificate Accounts - IRA & Jumbo
$0
4.07%
▲ 1.30% above South Carolina avg
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.30% above avgNationally 2.88%
Details
Rate History
3 changes since Sep 14, 2026 · 3.72% → 4.07% ▲ 0.35 pts · high 4.07% / low 3.72%
- Oct 13, 20264.07%▲ from 3.92%
- Sep 25, 20263.92%▲ from 3.87%
- Sep 18, 20263.87%▲ from 3.72%
- Sep 14, 20263.72%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
110 Outlet Pointe Blvd, Columbia, SC 29210
24 Month Share Certificate Accounts
$500
4.07%
▲ 1.30% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.30% above avgNationally 2.88%
Details
Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 4 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
110 Outlet Pointe Blvd, Columbia, SC 29210
IRA Certificate Accounts - 24 Month
$500
4.07%
▲ 1.30% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.30% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
24 Month Traditional Family Trust Certificate
$500
4.00%
▲ 1.23% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.23% above avgNationally 2.88%
Details
Min. balance to earn APY tier: $500; Traditional IRA Certificates
Rate History
No change since Oct 13, 2026 · 4.00% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
24 Month Traditional IRA Certificates
$500
4.00%
▲ 1.23% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.23% above avgNationally 2.88%
Details
Min. balance to earn APY: $500; Traditional IRA Certificates
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 24 Month
$500
4.00%
▲ 1.23% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.23% above avgNationally 2.88%
Details
Balance: $500.00 - $19,999.99
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
24 Month Jumbo Certificate
$0
3.96%
▲ 1.19% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 1.19% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.96% APY · checked 4 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
24 Month Share Certificate Accounts - Share
$500
3.95%
▲ 1.18% above South Carolina avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.18% above avgNationally 2.88%
Details
Dividend Rate; $500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 9, 20263.95%▲ from 3.90%
- Oct 5, 20263.90%▲ from 3.80%
- Sep 25, 20263.80%▲ from 3.75%
- Sep 18, 20263.75%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
24 Month IRA Certificate
$0
3.91%
▲ 1.14% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 1.14% above avgNationally 2.88%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.91% APY · checked 4 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
24 Month Certificate
$0
3.85%
▲ 1.08% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 1.08% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
607 N Main St, Lancaster, SC 29720
24 Month Certificate
$500
3.85%
▲ 1.08% above South Carolina avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.08% above avgNationally 2.88%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
1 change since Sep 14, 2026 · 4.11% → 3.85% ▼ 0.26 pts · high 4.11% / low 3.85%
- Oct 5, 20263.85%▼ from 4.11%
- Sep 14, 20264.11%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2518 Main St, Conway, SC 29526 3365
24 Month IRA Share Certificate
$0
3.82%
▲ 1.05% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.05% above avgNationally 2.88%
Details
Minimum Balance: $250
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66%
- Oct 5, 20263.82%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificate - Roth Executive
$100,000
3.80%
▲ 1.03% above South Carolina avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.03% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificate - Traditional Executive
$100,000
3.80%
▲ 1.03% above South Carolina avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 1.03% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
2347 Highway 17n, Mount Pleasant, SC 29466
24 Month Certificate of Deposit
$0
3.75%
▲ 0.98% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.77%▲ 0.98% above avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 3 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificate - Roth Premier
$10,000
3.70%
▲ 0.93% above South Carolina avg
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificate - Traditional Premier
$10,000
3.70%
▲ 0.93% above South Carolina avg
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
24 Month Certificate
$250,000
3.61%
▲ 0.84% above South Carolina avg
▼
Rate3.55%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.84% above avgNationally 2.88%
Details
APY*: 3.61%
Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
North Rivers Center, North Charleston, SC 29406
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.83% above South Carolina avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.77%▲ 0.83% above avgNationally 2.88%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificate - Roth
$500
3.60%
▲ 0.83% above South Carolina avg
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.83% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificate - Traditional
$500
3.60%
▲ 0.83% above South Carolina avg
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.83% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
1066 E Montague Ave, North Charleston, SC 29405
24 Month Share Certificates
$250
3.60%
▲ 0.83% above South Carolina avg
▼
Rate3.55%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.83% above avgNationally 2.88%
Details
Dividends compounded quarterly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
24 Month Certificate
$100,000
3.56%
▲ 0.79% above South Carolina avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.79% above avgNationally 2.88%
Details
APY*: 3.56%
Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
24 Month Certificate
$0
3.56%
▲ 0.79% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.79% above avgNationally 2.88%
Details
Balance tier: $100,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Certificate - 24 Months - Preferred
$500
3.55%
▲ 0.78% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.78% above avgNationally 2.88%
Details
Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 3.55% APY
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
1522 Bushy Park Rd, Goose Creek, SC 29445
Jumbo Certificate - 24 Months
$100,000
3.55%
▲ 0.78% above South Carolina avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.78% above avgNationally 2.88%
Details
Minimum $100,000; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
123 Broadbent Way, Anderson, SC 29625
Certificate - 24 Months
$500
3.55%
▲ 0.78% above South Carolina avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.78% above avgNationally 2.88%
Details
Certificate types include Normal Term, Step Term, and IRA Term; Effective 04/06/2026; Declaration Date 04/06/2026; Minimum required to open for all types except Step; Other withdrawals prior to maturity subject to penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
24 Month Certificate
$500
3.51%
▲ 0.74% above South Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.74% above avgNationally 2.88%
Details
APY*: 3.51%
Rate History
No change since Oct 4, 2026 · 3.51% APY · checked 3 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
24 Month Certificate
$0
3.51%
▲ 0.74% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.74% above avgNationally 2.88%
Details
Balance tier: $50,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 21, 2026 · 3.51% APY · checked 6 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificate - 24 Months
$0
3.50%
▲ 0.73% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.73% above avgNationally 2.88%
Details
Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
143 Old Jackson Hwy, Beech Island, SC 29842
2 Year Loyalty Term Share Certificate (or CD)
$0
3.50%
▲ 0.73% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.73% above avgNationally 2.88%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.50% APY
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates - 24 Month
$0
3.50%
▲ 0.73% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.77%▲ 0.73% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
5470 Jackson Blvd, Columbia, SC 29207
24 Month Certificate
$0
3.45%
▲ 0.68% above South Carolina avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.68% above avgNationally 2.88%
Details
Balance tier: $1,000.00 minimum; dividends compounded and credited monthly
Rate History
No change since Sep 21, 2026 · 3.45% APY · checked 6 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
215 N Pine St, Spartanburg, SC 29302
24 Month Certificate
$0
3.41%
▲ 0.64% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.77%▲ 0.64% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
143 Old Jackson Hwy, Beech Island, SC 29842
2 Year Term Share Certificate (or CD)
$0
3.35%
▲ 0.58% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.58% above avgNationally 2.88%
Details
Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.35% APY
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
42 Plaza Dr, Travelers Rest, SC 29690
24 Month Certificates of Deposit
$1,000
3.34%
▲ 0.57% above South Carolina avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.77%▲ 0.57% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
- Oct 2, 20263.34%▲ from 3.24%
- Sep 18, 20263.24%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
24 Month IRA Plus Certificates
$0
3.34%
▲ 0.57% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.57% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
24 Month Share Certificates Plus
$0
3.34%
▲ 0.57% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.77%▲ 0.57% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
24 Month Step Up
$250,000
3.30%
▲ 0.53% above South Carolina avg
▼
Rate3.25%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.53% above avgNationally 2.88%
Details
APY*: 3.30%
Rate History
No change since Oct 4, 2026 · 3.30% APY · checked 3 times
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
350 Harrison Bridge Rd, Simpsonville, SC 29680
24 Month Term Share Certificate
$100,001
3.30%
▲ 0.53% above South Carolina avg
▼
Rate3.25%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.53% above avgNationally 2.88%
Details
Deposit Amount: $100,001 and up
Rate History
1 change since Oct 4, 2026 · 2.79% → 3.30% ▲ 0.51 pts · high 3.30% / low 2.79%
- Oct 12, 20263.30%▲ from 2.79%
- Oct 4, 20262.79%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
24 Month Term
$0
3.25%
▲ 0.48% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.77%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
Business 24 Month Term
$0
3.25%
▲ 0.48% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.77%▲ 0.48% above avgNationally 2.88%
Details
Balance: $100,000+
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
South Carolina 36 Month CD Rates
MonitorBankRates South Carolina Average · 36 Month CD2.64% APY▲ 0.04% from last weekNational 2.81%
The average 36-month CD rate in South Carolina is 2.64% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
36 Month Traditional Family Trust Certificate
$500
5.00%
▲ 2.36% above South Carolina avg
▼
Rate4.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 2.36% above avgNationally 2.81%
Details
Min. balance to earn APY tier: $100,000; Traditional IRA Certificates
Rate History
No change since Oct 13, 2026 · 5.00% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
36 Month Traditional IRA Certificates
$500
5.00%
▲ 2.36% above South Carolina avg
▼
Rate4.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 2.36% above avgNationally 2.81%
Details
Min. balance to earn APY: $100,000; Traditional IRA Certificates
Rate History
1 change since Sep 14, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40%
- Oct 13, 20265.00%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 36 Month
$500
5.00%
▲ 2.36% above South Carolina avg
▼
Rate4.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 2.36% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40%
- Oct 5, 20265.00%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
36 Month Elite Jumbo CD
$250,000
4.50%
▲ 1.86% above South Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.86% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
36 Month Jumbo CD
$50,000
4.35%
▲ 1.71% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.71% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
280 Commonwealth Dr, Greenville, SC 29615 4813
25-36 Month IRA Certificate
$500
4.34%
▲ 1.70% above South Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.70% above avgNationally 2.81%
Details
Penalty for early withdrawal, unless 59 1/2
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
280 Commonwealth Dr, Greenville, SC 29615 4813
25-36 Month Share Certificate
$500
4.34%
▲ 1.70% above South Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.70% above avgNationally 2.81%
Details
Early withdrawals subject to loss of dividends up to 90 days
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
36 Month Traditional Family Trust Certificate
$500
4.25%
▲ 1.61% above South Carolina avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.61% above avgNationally 2.81%
Details
Min. balance to earn APY tier: $20,000; Traditional IRA Certificates
Rate History
No change since Oct 13, 2026 · 4.25% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
36 Month Traditional IRA Certificates
$500
4.25%
▲ 1.61% above South Carolina avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.61% above avgNationally 2.81%
Details
Min. balance to earn APY: $20,000; Traditional IRA Certificates
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 13, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 36 Month
$500
4.25%
▲ 1.61% above South Carolina avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.61% above avgNationally 2.81%
Details
Balance: $20,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 5, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
3 Year IRA Traditional & Roth CD
$500
4.25%
▲ 1.61% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.61% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 13, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
36 Month Regular CD
$500
4.25%
▲ 1.61% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.61% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
36 Month Share Certificate Accounts - IRA & Jumbo
$0
4.17%
▲ 1.53% above South Carolina avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.53% above avgNationally 2.81%
Details
Rate History
3 changes since Sep 14, 2026 · 3.82% → 4.17% ▲ 0.35 pts · high 4.17% / low 3.82%
- Oct 13, 20264.17%▲ from 4.02%
- Sep 25, 20264.02%▲ from 3.97%
- Sep 18, 20263.97%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
607 N Main St, Lancaster, SC 29720
Fixed Rate IRA Certificates - 36 Month Certificate
$500
4.16%
▲ 1.52% above South Carolina avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.52% above avgNationally 2.81%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.16% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
North Rivers Center, North Charleston, SC 29406
3 Year ESA Long-Term Certificate
$100,000
4.15%
▲ 1.51% above South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.64%▲ 1.51% above avgNationally 2.81%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
North Rivers Center, North Charleston, SC 29406
3 Year ESA Long-Term Certificate
$1,000
4.10%
▲ 1.46% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.64%▲ 1.46% above avgNationally 2.81%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
36 Month Share Certificate Accounts - Share
$500
4.05%
▲ 1.41% above South Carolina avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.41% above avgNationally 2.81%
Details
Dividend Rate; $500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Oct 9, 20264.05%▲ from 4.00%
- Oct 5, 20264.00%▲ from 3.90%
- Sep 25, 20263.90%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
36 Month Traditional Family Trust Certificate
$500
4.00%
▲ 1.36% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.36% above avgNationally 2.81%
Details
Min. balance to earn APY tier: $500; Traditional IRA Certificates
Rate History
No change since Oct 13, 2026 · 4.00% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
36 Month Traditional IRA Certificates
$500
4.00%
▲ 1.36% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.36% above avgNationally 2.81%
Details
Min. balance to earn APY: $500; Traditional IRA Certificates
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 13, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 36 Month
$500
4.00%
▲ 1.36% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.36% above avgNationally 2.81%
Details
Balance: $500.00 - $19,999.99
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.00% ▼ 0.20 pts · high 4.20% / low 4.00%
- Oct 5, 20264.00%▼ from 4.20%
- Sep 14, 20264.20%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
104 Trade St Ste G, Greer, SC 29651
36 Month Certificate
$500
4.00%
▲ 1.36% above South Carolina avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.64%▲ 1.36% above avgNationally 2.81%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
607 N Main St, Lancaster, SC 29720
36 Month Certificate
$500
3.91%
▲ 1.27% above South Carolina avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.27% above avgNationally 2.81%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
1 change since Sep 14, 2026 · 4.16% → 3.91% ▼ 0.25 pts · high 4.16% / low 3.91%
- Oct 5, 20263.91%▼ from 4.16%
- Sep 14, 20264.16%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2518 Main St, Conway, SC 29526 3365
36 Month IRA Share Certificate
$0
3.87%
▲ 1.23% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.23% above avgNationally 2.81%
Details
Minimum Balance: $250
Rate History
1 change since Sep 14, 2026 · 3.71% → 3.87% ▲ 0.16 pts · high 3.87% / low 3.71%
- Oct 5, 20263.87%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
110 Outlet Pointe Blvd, Columbia, SC 29210
36 Month Share Certificate Accounts
$500
3.82%
▲ 1.18% above South Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.18% above avgNationally 2.81%
Details
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 4 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
110 Outlet Pointe Blvd, Columbia, SC 29210
IRA Certificate Accounts - 36 Month
$500
3.82%
▲ 1.18% above South Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.18% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 3 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
36 Month Jumbo Certificate
$100,000
3.75%
▲ 1.11% above South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 1.11% above avgNationally 2.81%
Details
Minimum Balances of $100,000
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
36 Month IRA Plus Certificates
$0
3.75%
▲ 1.11% above South Carolina avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.11% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
36 Month Share Certificates Plus
$0
3.75%
▲ 1.11% above South Carolina avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 1.11% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
2347 Highway 17n, Mount Pleasant, SC 29466
36 Month Certificate of Deposit
$0
3.70%
▲ 1.06% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.64%▲ 1.06% above avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 3 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
36 Month IRA Certificate
$0
3.70%
▲ 1.06% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 1.06% above avgNationally 2.81%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 3 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
36 Month Certificate
$500
3.65%
▲ 1.01% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 1.01% above avgNationally 2.81%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
1522 Bushy Park Rd, Goose Creek, SC 29445
Jumbo Certificate - 36 Months
$100,000
3.55%
▲ 0.91% above South Carolina avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.91% above avgNationally 2.81%
Details
Minimum $100,000; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificate - Roth Executive
$100,000
3.55%
▲ 0.91% above South Carolina avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.91% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificate - Traditional Executive
$100,000
3.55%
▲ 0.91% above South Carolina avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.91% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
36 Month Share Certificates
$0
3.55%
▲ 0.91% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.91% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificate - 36 Months
$0
3.50%
▲ 0.86% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.86% above avgNationally 2.81%
Details
Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificate - Roth Premier
$10,000
3.45%
▲ 0.81% above South Carolina avg
▼
Rate3.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.81% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificate - Traditional Premier
$10,000
3.45%
▲ 0.81% above South Carolina avg
▼
Rate3.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.81% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
215 N Pine St, Spartanburg, SC 29302
36 Month Certificate
$0
3.41%
▲ 0.77% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.77% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
36 Month Certificate
$250,000
3.40%
▲ 0.76% above South Carolina avg
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.76% above avgNationally 2.81%
Details
APY*: 3.40%
Rate History
No change since Oct 4, 2026 · 3.40% APY · checked 3 times
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
1066 E Montague Ave, North Charleston, SC 29405
36 Month Share Certificates
$250
3.39%
▲ 0.75% above South Carolina avg
▼
Rate3.35%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.75% above avgNationally 2.81%
Details
Dividends compounded quarterly
Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
36 Month Certificate
$100,000
3.35%
▲ 0.71% above South Carolina avg
▼
Rate3.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.71% above avgNationally 2.81%
Details
APY*: 3.35%
Rate History
No change since Oct 4, 2026 · 3.35% APY · checked 3 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificate - Roth
$500
3.35%
▲ 0.71% above South Carolina avg
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.71% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.35% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificate - Traditional
$500
3.35%
▲ 0.71% above South Carolina avg
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.71% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.35% APY · checked 2 times
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
42 Plaza Dr, Travelers Rest, SC 29690
36 Month Certificates of Deposit
$1,000
3.34%
▲ 0.70% above South Carolina avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.70% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
- Oct 2, 20263.34%▲ from 3.24%
- Sep 18, 20263.24%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
36 Month Term
$0
3.30%
▲ 0.66% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.66% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
Business 36 Month Term
$0
3.30%
▲ 0.66% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.66% above avgNationally 2.81%
Details
Balance: $100,000+
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 5 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
36 Month Certificate
$500
3.30%
▲ 0.66% above South Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.64%▲ 0.66% above avgNationally 2.81%
Details
APY*: 3.30%
Rate History
No change since Oct 4, 2026 · 3.30% APY · checked 3 times
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
123 Broadbent Way, Anderson, SC 29625
Certificate - 36 Months
$500
3.29%
▲ 0.65% above South Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.64%▲ 0.65% above avgNationally 2.81%
Details
Certificate types include Normal Term, Step Term, and IRA Term; Effective 04/06/2026; Declaration Date 04/06/2026; Minimum required to open for all types except Step; Other withdrawals prior to maturity subject to penalty
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
36 Month Term
$0
3.25%
▲ 0.61% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.64%▲ 0.61% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
South Carolina 48 Month CD Rates
MonitorBankRates South Carolina Average · 48 Month CD2.79% APY▲ 0.05% from last weekNational 2.80%
The average 48-month CD rate in South Carolina is 2.79% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
48 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.96% above South Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.96% above avgNationally 2.80%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Traditional Family Trust Certificate
$500
4.40%
▲ 1.61% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.61% above avgNationally 2.80%
Details
Min. balance to earn APY tier: $100,000; Traditional IRA Certificates
Rate History
No change since Oct 13, 2026 · 4.40% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Traditional IRA Certificates
$500
4.40%
▲ 1.61% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.61% above avgNationally 2.80%
Details
Min. balance to earn APY: $100,000; Traditional IRA Certificates
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 3 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 48 Month
$500
4.40%
▲ 1.61% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.61% above avgNationally 2.80%
Details
Balance: $100,000.00 and over
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 9 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
48 Month Share Certificate Accounts - IRA & Jumbo
$0
4.22%
▲ 1.43% above South Carolina avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.43% above avgNationally 2.80%
Details
Rate History
3 changes since Sep 14, 2026 · 3.87% → 4.22% ▲ 0.35 pts · high 4.22% / low 3.87%
- Oct 13, 20264.22%▲ from 4.07%
- Sep 25, 20264.07%▲ from 4.02%
- Sep 18, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
607 N Main St, Lancaster, SC 29720
Fixed Rate IRA Certificates - 48 Month Certificate
$500
4.22%
▲ 1.43% above South Carolina avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.43% above avgNationally 2.80%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.22% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Traditional Family Trust Certificate
$500
4.20%
▲ 1.41% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.41% above avgNationally 2.80%
Details
Min. balance to earn APY tier: $20,000; Traditional IRA Certificates
Rate History
No change since Oct 13, 2026 · 4.20% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Traditional IRA Certificates
$500
4.20%
▲ 1.41% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.41% above avgNationally 2.80%
Details
Min. balance to earn APY: $20,000; Traditional IRA Certificates
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 48 Month
$500
4.20%
▲ 1.41% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.41% above avgNationally 2.80%
Details
Balance: $20,000.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 9 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
48 Month Regular CD
$500
4.20%
▲ 1.41% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.41% above avgNationally 2.80%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 5, 20264.20%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
48 Month Share Certificate Accounts - Share
$500
4.10%
▲ 1.31% above South Carolina avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.31% above avgNationally 2.80%
Details
Dividend Rate; $500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- Oct 9, 20264.10%▲ from 4.05%
- Oct 5, 20264.05%▲ from 3.95%
- Sep 25, 20263.95%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
247 N Main St, Woodruff, SC 29388
48 month CD
$1,000
4.06%
▲ 1.27% above South Carolina avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 1.27% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
607 N Main St, Lancaster, SC 29720
48 Month Certificate
$500
3.96%
▲ 1.17% above South Carolina avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.17% above avgNationally 2.80%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
1 change since Sep 14, 2026 · 4.22% → 3.96% ▼ 0.26 pts · high 4.22% / low 3.96%
- Oct 5, 20263.96%▼ from 4.22%
- Sep 14, 20264.22%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2518 Main St, Conway, SC 29526 3365
48 Month IRA Share Certificate
$0
3.92%
▲ 1.13% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.13% above avgNationally 2.80%
Details
Minimum Balance: $250
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
- Oct 5, 20263.92%▲ from 3.76%
- Sep 14, 20263.76%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
48 Month IRA Plus Certificates
$0
3.85%
▲ 1.06% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.06% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
48 Month Share Certificates Plus
$0
3.85%
▲ 1.06% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 1.06% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
48 Month Jumbo Certificate
$100,000
3.75%
▲ 0.96% above South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.80%
Details
Minimum Balances of $100,000
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Traditional Family Trust Certificate
$500
3.75%
▲ 0.96% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.80%
Details
Min. balance to earn APY tier: $500; Traditional IRA Certificates
Rate History
No change since Oct 13, 2026 · 3.75% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Traditional IRA Certificates
$500
3.75%
▲ 0.96% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.80%
Details
Min. balance to earn APY: $500; Traditional IRA Certificates
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 48 Month
$500
3.75%
▲ 0.96% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.80%
Details
Balance: $500.00 - $19,999.99
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
104 Trade St Ste G, Greer, SC 29651
48 Month Certificate
$500
3.75%
▲ 0.96% above South Carolina avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.80%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 1, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
2347 Highway 17n, Mount Pleasant, SC 29466
48 Month Certificate of Deposit
$0
3.70%
▲ 0.91% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.79%▲ 0.91% above avgNationally 2.80%
Details
Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 3 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
48 Month IRA Certificate
$0
3.70%
▲ 0.91% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.91% above avgNationally 2.80%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 3 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
48 Month Certificate
$500
3.65%
▲ 0.86% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.86% above avgNationally 2.80%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
48 Month Share Certificates
$0
3.65%
▲ 0.86% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 0.86% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
1522 Bushy Park Rd, Goose Creek, SC 29445
Jumbo Certificate - 48 Months
$100,000
3.55%
▲ 0.76% above South Carolina avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 0.76% above avgNationally 2.80%
Details
Minimum $100,000; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
110 Outlet Pointe Blvd, Columbia, SC 29210
48 Month Share Certificate Accounts
$500
3.51%
▲ 0.72% above South Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 0.72% above avgNationally 2.80%
Details
Rate History
No change since Sep 21, 2026 · 3.51% APY · checked 4 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
110 Outlet Pointe Blvd, Columbia, SC 29210
IRA Certificate Accounts - 48 Month
$500
3.51%
▲ 0.72% above South Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 0.72% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificate - 48 Months
$0
3.50%
▲ 0.71% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 0.71% above avgNationally 2.80%
Details
Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
215 N Pine St, Spartanburg, SC 29302
48 Month Certificate
$0
3.41%
▲ 0.62% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.62% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
48 Month Term
$0
3.35%
▲ 0.56% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.56% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Certificate - 48 Months - Preferred
$500
3.35%
▲ 0.56% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.56% above avgNationally 2.80%
Details
Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 3.35% APY
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1530 Bourne St, Georgetown, SC 29440 4775
48 Month Share Certificates
$500
3.35%
▲ 0.56% above South Carolina avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.56% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
42 Plaza Dr, Travelers Rest, SC 29690
48 Month Certificates of Deposit
$1,000
3.34%
▲ 0.55% above South Carolina avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.55% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
- Oct 2, 20263.34%▲ from 3.24%
- Sep 18, 20263.24%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
48 Month Term
$0
3.30%
▲ 0.51% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.51% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
143 Old Jackson Hwy, Beech Island, SC 29842
4 Year Loyalty Term Share Certificate (or CD)
$0
3.30%
▲ 0.51% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 0.51% above avgNationally 2.80%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
48 Month Term
$0
3.25%
▲ 0.46% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.46% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
48 Month Term
$0
3.19%
▲ 0.40% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.40% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 6 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
48 Month Certificate
$250,000
3.14%
▲ 0.35% above South Carolina avg
▼
Rate3.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.35% above avgNationally 2.80%
Details
APY*: 3.14%
Rate History
No change since Oct 4, 2026 · 3.14% APY · checked 3 times
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
1066 E Montague Ave, North Charleston, SC 29405
48 Month Share Certificates
$250
3.14%
▲ 0.35% above South Carolina avg
▼
Rate3.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 0.35% above avgNationally 2.80%
Details
Dividends compounded quarterly
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
4 Year Share Certificate JUMBO
$50,000
3.10%
▲ 0.31% above South Carolina avg
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.31% above avgNationally 2.80%
Details
Rate History
1 change since Sep 12, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85%
- Sep 25, 20263.10%▲ from 2.85%
- Sep 12, 20262.85%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
143 Old Jackson Hwy, Beech Island, SC 29842
4 Year Term Share Certificate (or CD)
$0
3.10%
▲ 0.31% above South Carolina avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.79%▲ 0.31% above avgNationally 2.80%
Details
Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.10% APY
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
48 Month Certificate
$100,000
3.09%
▲ 0.30% above South Carolina avg
▼
Rate3.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.30% above avgNationally 2.80%
Details
APY*: 3.09%
Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 3 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
48 Month Certificate
$500
3.04%
▲ 0.25% above South Carolina avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.25% above avgNationally 2.80%
Details
APY*: 3.04%
Rate History
No change since Oct 4, 2026 · 3.04% APY · checked 3 times
Santee Cooper Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
612 Rembert C Dennis Blvd, Moncks Corner, SC 29461
48 Month Share Certificate
$500
3.03%
▲ 0.24% above South Carolina avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.24% above avgNationally 2.80%
Details
Rate History
No change since Oct 9, 2026 · 3.03% APY
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
48 Month Certificate
$500
3.00%
▲ 0.21% above South Carolina avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.21% above avgNationally 2.80%
Details
$100,000 OR MORE
Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 3 times
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
4 Year Share Certificate
$500
3.00%
▲ 0.21% above South Carolina avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.21% above avgNationally 2.80%
Details
Rate History
1 change since Sep 12, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
- Sep 25, 20263.00%▲ from 2.75%
- Sep 12, 20262.75%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
48 Month Certificate
$500
3.00%
▲ 0.21% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.21% above avgNationally 2.80%
Details
Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.00% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Certificate - 48 Months
$500
3.00%
▲ 0.21% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.21% above avgNationally 2.80%
Details
Base APY; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 3.00% APY
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
48 Month Certificate
$500
2.90%
▲ 0.11% above South Carolina avg
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.11% above avgNationally 2.80%
Details
$50,000 - $99,999
Rate History
No change since Oct 7, 2026 · 2.90% APY · checked 2 times
South Carolina 60 Month CD Rates
MonitorBankRates South Carolina Average · 60 Month CD2.88% APY▲ 0.07% from last weekNational 2.90%
The average 60-month CD rate in South Carolina is 2.88% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
60 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.87% above South Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.87% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
5 Year IRA Certificate - Roth
$500
4.60%
▲ 1.72% above South Carolina avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.72% above avgNationally 2.90%
Details
Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 13, 20264.60%▲ from 3.40%
- Oct 9, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1111 Honda Way, Timmonsville, SC 29161
5 Year IRA Certificate - Traditional
$500
4.60%
▲ 1.72% above South Carolina avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.72% above avgNationally 2.90%
Details
Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 13, 20264.60%▲ from 3.40%
- Oct 9, 20263.40%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
5 Year IRA Traditional & Roth CD
$500
4.50%
▲ 1.62% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.62% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 13, 20264.50%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
269 Harwich St, Rock Hill, SC 29730
60 Month Regular CD
$500
4.50%
▲ 1.62% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.62% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 5, 20264.50%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Traditional Family Trust Certificate
$500
4.40%
▲ 1.52% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.52% above avgNationally 2.90%
Details
Min. balance to earn APY tier: $100,000; Traditional IRA Certificates
Rate History
No change since Oct 13, 2026 · 4.40% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Traditional IRA Certificates
$500
4.40%
▲ 1.52% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.52% above avgNationally 2.90%
Details
Min. balance to earn APY: $100,000; Traditional IRA Certificates
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 3 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 60 Month
$500
4.40%
▲ 1.52% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.52% above avgNationally 2.90%
Details
Balance: $100,000.00 and over
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 9 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
60 Month Share Certificate Accounts - IRA & Jumbo
$0
4.32%
▲ 1.44% above South Carolina avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.44% above avgNationally 2.90%
Details
Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.32% ▲ 0.35 pts · high 4.32% / low 3.97%
- Oct 13, 20264.32%▲ from 4.17%
- Sep 25, 20264.17%▲ from 4.12%
- Sep 18, 20264.12%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
607 N Main St, Lancaster, SC 29720
Fixed Rate IRA Certificates - 60 Month Certificate
$500
4.27%
▲ 1.39% above South Carolina avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.39% above avgNationally 2.90%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.27% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Traditional Family Trust Certificate
$500
4.20%
▲ 1.32% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.32% above avgNationally 2.90%
Details
Min. balance to earn APY tier: $20,000; Traditional IRA Certificates
Rate History
No change since Oct 13, 2026 · 4.20% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Traditional IRA Certificates
$500
4.20%
▲ 1.32% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.32% above avgNationally 2.90%
Details
Min. balance to earn APY: $20,000; Traditional IRA Certificates
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 60 Month
$500
4.20%
▲ 1.32% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.32% above avgNationally 2.90%
Details
Balance: $20,000.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 9 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
60 Month Share Certificate Accounts - Share
$500
4.20%
▲ 1.32% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.32% above avgNationally 2.90%
Details
Dividend Rate; $500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 9, 20264.20%▲ from 4.15%
- Oct 5, 20264.15%▲ from 4.05%
- Sep 25, 20264.05%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
163 Forum Dr Ste 1, Columbia, SC 29229 5700
60 Month Certificate Account
$0
4.02%
▲ 1.14% above South Carolina avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 1.14% above avgNationally 2.90%
Details
Balance: $100,000 and over
Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 2 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
163 Forum Dr Ste 1, Columbia, SC 29229 5700
60 Month IRA Certificate Account
$0
4.02%
▲ 1.14% above South Carolina avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 1.14% above avgNationally 2.90%
Details
Balance: $100,000+
Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 4 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
60 Month IRA Plus Certificates
$0
4.01%
▲ 1.13% above South Carolina avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.13% above avgNationally 2.90%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
60 Month Share Certificates Plus
$0
4.01%
▲ 1.13% above South Carolina avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.13% above avgNationally 2.90%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
607 N Main St, Lancaster, SC 29720
60 Month Certificate
$500
4.01%
▲ 1.13% above South Carolina avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.13% above avgNationally 2.90%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
1 change since Sep 14, 2026 · 4.27% → 4.01% ▼ 0.26 pts · high 4.27% / low 4.01%
- Oct 5, 20264.01%▼ from 4.27%
- Sep 14, 20264.27%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2518 Main St, Conway, SC 29526 3365
60 Month IRA Share Certificate
$0
3.97%
▲ 1.09% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 1.09% above avgNationally 2.90%
Details
Minimum Balance: $250
Rate History
1 change since Sep 14, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82%
- Oct 5, 20263.97%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
163 Forum Dr Ste 1, Columbia, SC 29229 5700
60 Month Certificate Account
$0
3.92%
▲ 1.04% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 1.04% above avgNationally 2.90%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 17, 2026 · 3.92% APY · checked 2 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
163 Forum Dr Ste 1, Columbia, SC 29229 5700
60 Month IRA Certificate Account
$0
3.92%
▲ 1.04% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 1.04% above avgNationally 2.90%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 17, 2026 · 3.92% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
North Rivers Center, North Charleston, SC 29406
5 Year ESA Long-Term Certificate
$100,000
3.90%
▲ 1.02% above South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.88%▲ 1.02% above avgNationally 2.90%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
North Rivers Center, North Charleston, SC 29406
5 Year ESA Long-Term Certificate
$1,000
3.85%
▲ 0.97% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.88%▲ 0.97% above avgNationally 2.90%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
60 Month Jumbo Certificate
$100,000
3.85%
▲ 0.97% above South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 0.97% above avgNationally 2.90%
Details
Minimum Balances of $100,000
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
60 Month IRA Certificate
$0
3.80%
▲ 0.92% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 0.92% above avgNationally 2.90%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2A The Pkwy, Greenville, SC 29615
60 Month Share Certificates
$0
3.80%
▲ 0.92% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 0.92% above avgNationally 2.90%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
60 Month Certificate
$500
3.75%
▲ 0.87% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 0.87% above avgNationally 2.90%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Traditional Family Trust Certificate
$500
3.75%
▲ 0.87% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 0.87% above avgNationally 2.90%
Details
Min. balance to earn APY tier: $500; Traditional IRA Certificates
Rate History
No change since Oct 13, 2026 · 3.75% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Traditional IRA Certificates
$500
3.75%
▲ 0.87% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 0.87% above avgNationally 2.90%
Details
Min. balance to earn APY: $500; Traditional IRA Certificates
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Certificates - 60 Month
$500
3.75%
▲ 0.87% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 0.87% above avgNationally 2.90%
Details
Balance: $500.00 - $19,999.99
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
2347 Highway 17n, Mount Pleasant, SC 29466
60 Month Certificate of Deposit
$0
3.70%
▲ 0.82% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.88%▲ 0.82% above avgNationally 2.90%
Details
Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
1522 Bushy Park Rd, Goose Creek, SC 29445
Jumbo Certificate - 60 Months
$100,000
3.55%
▲ 0.67% above South Carolina avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 0.67% above avgNationally 2.90%
Details
Minimum $100,000; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificate - 60 Months
$0
3.50%
▲ 0.62% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 0.62% above avgNationally 2.90%
Details
Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
104 Trade St Ste G, Greer, SC 29651
60 Month Certificate
$500
3.50%
▲ 0.62% above South Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.88%▲ 0.62% above avgNationally 2.90%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 1, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Certificate - 60 Months - Preferred
$500
3.45%
▲ 0.57% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 0.57% above avgNationally 2.90%
Details
Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 3.45% APY
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1530 Bourne St, Georgetown, SC 29440 4775
60 Month Share Certificates
$500
3.45%
▲ 0.57% above South Carolina avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.57% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 4 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
215 N Pine St, Spartanburg, SC 29302
60 Month Certificate
$0
3.41%
▲ 0.53% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.53% above avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
60 Month Term
$0
3.40%
▲ 0.52% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.52% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
143 Old Jackson Hwy, Beech Island, SC 29842
5 Year Advantage Share Certificate
$0
3.40%
▲ 0.52% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 0.52% above avgNationally 2.90%
Details
IRA; Effective September 28, 2026; Advantage Certificate pays a premium dividend
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
143 Old Jackson Hwy, Beech Island, SC 29842
5 Year Loyalty Term Share Certificate (or CD)
$0
3.40%
▲ 0.52% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 0.52% above avgNationally 2.90%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.40% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
60 Month Term
$0
3.35%
▲ 0.47% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.47% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
42 Plaza Dr, Travelers Rest, SC 29690
60 Month Certificates of Deposit
$1,000
3.34%
▲ 0.46% above South Carolina avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.46% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
- Oct 2, 20263.34%▲ from 3.24%
- Sep 18, 20263.24%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
60 Month Term
$0
3.30%
▲ 0.42% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.42% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
225 W Blackstock Rd, Spartanburg, SC 29301
5 Year Share Certificates
$500
3.29%
▲ 0.41% above South Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 0.41% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 3.29% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3621 Pelham Rd, Greenville, SC 29615
60 Month Term
$0
3.24%
▲ 0.36% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.36% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.24% APY · checked 6 times
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
5 Year Share Certificate JUMBO
$50,000
3.20%
▲ 0.32% above South Carolina avg
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 0.32% above avgNationally 2.90%
Details
Rate History
1 change since Sep 12, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
- Sep 25, 20263.20%▲ from 3.10%
- Sep 12, 20263.10%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
143 Old Jackson Hwy, Beech Island, SC 29842
5 Year Term Share Certificate (or CD)
$0
3.15%
▲ 0.27% above South Carolina avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 0.27% above avgNationally 2.90%
Details
Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.15% APY
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1320 Washington St, Columbia, SC 29201 3382
60 Month Certificate
$250,000
3.14%
▲ 0.26% above South Carolina avg
▼
Rate3.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 0.26% above avgNationally 2.90%
Details
APY*: 3.14%
Rate History
No change since Oct 4, 2026 · 3.14% APY · checked 3 times
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
1066 E Montague Ave, North Charleston, SC 29405
60 Month Share Certificates
$250
3.14%
▲ 0.26% above South Carolina avg
▼
Rate3.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Carolina Average2.88%▲ 0.26% above avgNationally 2.90%
Details
Dividends compounded quarterly
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
South Carolina CD Rate Trends
Compare local South Carolina CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD SC Avg
3.016%
▲ 0.061 vs 7 days ago
South Carolina 12-month CD rates rose 0.061 points over the past 7 days to 3.016% APY.
6-Month CD SC Avg
2.547%
▲ 0.012 vs 7 days ago
South Carolina 6-month CD rates rose 0.012 points over the past 7 days to 2.547% APY.
As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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SC CD Rate Forecast, Next 12 Months
Where are South Carolina CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
SC 12-Month Avg APY
3.016%
6-Month Forecast
3.016%
Range: 2.82%, 3.17%
12-Month Forecast
3.266%
Range: 3.07%, 3.42%
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What Your Savings Earn at SC CD Rates Today
Annual interest earnings at today’s South Carolina average APYs. State average used where available; national average as fallback.
| CD Term | SC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.590% | $79.52 | $159.04 | $397.60 | $795.20 |
| 6-Month CD | 2.547% | $127.34 | $254.68 | $636.70 | $1,273.40 |
| 12-Month CD | 3.016% | $150.79 | $301.58 | $753.95 | $1,507.90 |
| 18-Month CD | 2.642% | $132.08 | $264.15 | $660.38 | $1,320.75 |
| 24-Month CD | 2.769% | $138.44 | $276.87 | $692.18 | $1,384.35 |
| 36-Month CD | 2.639% | $131.96 | $263.91 | $659.78 | $1,319.55 |
| 48-Month CD | 2.785% | $139.27 | $278.54 | $696.35 | $1,392.70 |
| 60-Month CD | 2.881% | $144.05 | $288.09 | $720.23 | $1,440.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026. | |||||
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Sample CD Ladder for South Carolina Savers
$25,000 split equally across 5 terms using today’s South Carolina average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | SC Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.590% | $79.52 |
| 2 | 6-Month CD | $5,000 | 2.547% | $127.34 |
| 3 | 12-Month CD | $5,000 | 3.016% | $150.79 |
| 4 | 24-Month CD | $5,000 | 2.769% | $138.44 |
| 5 | 36-Month CD | $5,000 | 2.639% | $131.96 |
| Total ($25,000 invested) | $25,000 | 2.512% blended | $628.05/yr | |
Ladder example uses equal $5,000 rungs and South Carolina average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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782
CD Rates
Tracked in South Carolina
Tracked in South Carolina
20 Banks
41 Credit Unions
About Our South Carolina CD Rate Database
MonitorBankRates tracks 782 CD rates from 20 banks and 41 credit unions with locations in South Carolina, plus national online institutions available to South Carolina residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Truliant Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in South Carolina.
How to Find the Best CD Rates in South Carolina
What to compare when shopping for a CD in South Carolina
To find the best APYs in South Carolina, start with credit unions and online-only banks: South Carolina has 41 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in South Carolina
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in South Carolina: 61 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare South Carolina savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare South Carolina money market rates
South Carolina Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
18.9%
National avg: 17.3%
Median Individual Earnings
$41,521
National avg: $47,340
Poverty Rate
14.1%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$125/yr
At SC 12-mo avg 3.016% APY
18.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s SC 12-month CD average of 3.016%, saving 10% of the local median salary ($4,152/year) and putting it in a CD would earn an additional $125 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in South Carolina
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in South Carolina
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in South Carolina typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in South Carolina as everywhere in the U.S.
Choosing a CD Term in South Carolina
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give South Carolina savers easier access to their funds. For example, Greenville Heritage Federal Credit Union is offering its 6 Month Term Share Certificate at 4.34% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Skyla Federal Credit Union is offering its 60 Month Elite Jumbo CD at 4.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for South Carolina Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a South Carolina saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in South Carolina
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the South Carolina CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in South Carolina
Most CDs carry a fixed rate that is locked for the entire term, protecting a South Carolina depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in South Carolina
Are CD rates in South Carolina FDIC insured?
Yes, most established banks in South Carolina are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in South Carolina?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in South Carolina.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in South Carolina may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in South Carolina?
Here are recent top rates found for this area:
- Truliant Federal Credit Union: 5.00% APY (Limited-Time 12 Month Term (new external funds required))
- Family Trust Federal Credit Union: 5.00% APY (36 Month Traditional Family Trust Certificate)
- Skyla Federal Credit Union: 4.75% APY (48 Month Elite Jumbo CD)
- Honda Federal Credit Union: 4.60% APY (5 Year IRA Certificate - Roth)
- Carolina Trust Federal Credit Union: 4.54% APY (18 Month Variable Rate IRA Certificate)
- Empeople Credit Union: 4.40% APY (18 Month Certificate)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Greenville Heritage Federal Credit Union: 4.34% APY (6 Month Term Share Certificate)
- Duke University Federal Credit Union: 4.34% APY (13-24 Month IRA Certificate)
- Houston Federal Credit Union: 4.32% APY (60 Month Share Certificate Accounts - IRA & Jumbo)
Rates reflect recent verified offers available in South Carolina. Last Updated: October 13, 2026
South Carolina CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current South Carolina rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for South Carolina
South Carolina CD Calculator
At today’s SC top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
South Carolina CD LadderSC CD rates currently range from 1.590% (3-month) to 2.639% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a South Carolina CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsSouth Carolina’s average 12-month CD is 3.016% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South Carolina CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for South Carolina directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in South Carolina. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in SC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026
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