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South Carolina Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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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.
Current South Carolina CD rates include Family Trust Federal Credit UnionFamily Trust Federal Credit Union225 White St W, Rock Hill, SC 29730 4039A+5.0 ★Texas Ratio: 3.53%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month Traditional IRA Certificate at 4.40% APY, Greenville Heritage Federal Credit UnionGreenville Heritage Federal Credit Union350 Harrison Bridge Rd, Simpsonville, SC 29680A+5.0 ★Texas Ratio: 1.17%Real return: +1.54%APY minus CPI (February 2026) offering 6 Month Certificate at 4.34% APY, Founders Federal Credit UnionFounders Federal Credit Union607 N Main St, Lancaster, SC 29720A+5.0 ★Texas Ratio: 3.68%Real return: +1.47%APY minus CPI (February 2026) offering 60 Month Certificate at 4.27% APY, Ukrainian Federal Credit UnionUkrainian Federal Credit Union225 W Blackstock Rd, Spartanburg, SC 29301A+5.0 ★Texas Ratio: 5.35%Real return: +1.45%APY minus CPI (February 2026) offering 3 Year Certificates at 4.25% APY, and Skyla Federal Credit UnionSkyla Federal Credit Union269 Harwich St, Rock Hill, SC 29730A5.0 ★Texas Ratio: 6.87%Real return: +1.45%APY minus CPI (February 2026) offering 48 Month Elite Jumbo CD at 4.25% APY. CD rates as of September 21, 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 4.40% APY from Family Trust Federal Credit Union at 225 White St W, Rock Hill, SC 29730 4039. 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: September 21, 2026
Compare Best CD Rates in South Carolina
South Carolina 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 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: 4.55%
104 Trade St Ste G, Greer, SC 29651
3 Month Certificate
$5,000
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
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.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC 29483
3 Month Regular Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
3 Month Term
$0
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
3 Month IRA Plus Certificates
$0
2.47%
▲ 0.41% above national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.41% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
3 Month Share Certificates Plus
$0
2.47%
▲ 0.41% above national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.41% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
3 Month Term
$0
2.45%
▲ 0.39% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.39% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
3 Month Term
$0
2.40%
▲ 0.34% above national avg
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.34% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
3 Month Term
$0
2.34%
▲ 0.28% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.28% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
3 Month IRA Certificates
$0
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.21% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
3 Month Share Certificates
$0
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.21% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC 29607 5346
3 Months Certificate
$0
2.25%
▲ 0.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.19% above avg
Details
Preferred APY*: 2.60%
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC 29625
3 Month Certificate
$0
2.01%
▼ 0.05% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.05% below avg
Details
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%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
1st Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
808 Knox Abbott Dr, Cayce, SC 29033 3318
3 Month Certificate
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.06% below avg
Details
Dividend Period: At Maturity
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1530 Bourne St, Georgetown, SC 29440 4775
90 Day Share Certificates
$0
1.51%
▼ 0.55% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.55% below avg
Details
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 Balances Less than or Equal to
$0
1.50%
▼ 0.56% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.56% below avg
Details
$250,000
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%
▼ 0.56% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.56% below avg
Details
$250,000
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
3 Month Certificate
$500
1.50%
▼ 0.56% below national avg
▼
Rate1.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.56% below avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
Share Certificates 3 Month
$0
1.26%
▼ 0.80% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.80% below avg
Details
+50k
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%
▼ 0.81% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.81% below avg
Details
Balance: LESS THAN $25,000
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
307 N Main St, Marion, SC 29571
3 Month CD
$250
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
307 N Main St, Marion, SC 29571
3 Month Certificate
$0
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Balance: $250.00 - $9,999.99
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$100,000
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.06% below avg
Details
Balance: $100,000.00
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC 29405
3 Month Share Certificates
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.06% below avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
Share Certificates 3 Month
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Countybank
Institution Rating:
B+4.3 ★Texas Ratio: 5.52%
419 Main St, Greenwood, SC 29646
3 Month Certificate
$1,000
0.98%
▼ 1.08% below national avg
▼
Rate0.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.08% below avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$75,000
0.95%
▼ 1.11% below national avg
▼
Rate0.95%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.11% below avg
Details
Balance: $75,000.00
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC 29152 5032
3 month IRA Certificate
$100,000
0.90%
▼ 1.16% below national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.16% below avg
Details
Balance: $100,000+
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$50,000
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.16% below avg
Details
Balance: $50,000.00
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$25,000
0.85%
▼ 1.21% below national avg
▼
Rate0.85%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.21% below avg
Details
Balance: $25,000.00
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC 29152 5032
3 month IRA Certificate
$50,000
0.80%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.26% below avg
Details
Balance: $50,000+
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$10,000
0.80%
▼ 1.26% below national avg
▼
Rate0.80%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.26% below avg
Details
Balance: $10,000.00
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC 29152 5032
3 month IRA Certificate
$1,000
0.75%
▼ 1.31% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.31% below avg
Details
Balance: Up to $50,000
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
3 Month Certificate
$1,000
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.31% below avg
Details
Balance: $1,000.00
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
124 N Main St, Clover, SC 29710
3 Month Standard Rate CDs
$500
0.50%
▼ 1.56% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.56% below avg
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
812 2nd Loop Rd, Florence, SC 29505 2828
3 Month Share Certificate
$1,000
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.56% below avg
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
949 Sunset Blvd, West Columbia, SC 29169
3 Month Regular Certificate
$500
0.18%
▼ 1.88% below national avg
▼
Rate0.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.88% below avg
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
949 Sunset Blvd, West Columbia, SC 29169
Regular Certificates - 3 months
$500
0.18%
▼ 1.88% below national avg
▼
Rate0.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.88% below avg
Details
Rates and other terms are subject to change at any time without prior notice. All dividends are calculated by daily balance method and paid quarterly. A penalty is imposed for early withdrawal.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
16 Broad St, Charleston, SC 29401
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
16 Broad St, Charleston, SC 29401
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
3 Month Certificates
$500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 2.01% below avg
Details
Balance: $0.00 - $500.00
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
3 Month Share Certificate
$500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 2.01% below avg
Details
Balance: $500 - $19,999.99
South Carolina 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 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: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
6 Month Certificate
$100,001
4.34%
▲ 1.57% above national avg
▼
Rate4.25%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.57% above avg
Details
Deposit Amount: $100,001 and up
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
6 Month Certificate
$50,001
4.08%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.31% above avg
Details
Deposit Amount: $50,001 to $100,000.99
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
104 Trade St Ste G, Greer, SC 29651
6 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
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.
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%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
6 Month Share Certificate Accounts - IRA & Jumbo
$0
3.87%
▲ 1.10% above national avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.10% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
6 Month Certificate
$1,000
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.05% above avg
Details
Deposit Amount: $1,000 to $50,000.99
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
6 Month Share Certificate Accounts - Share
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
6 Month Jumbo CD
$50,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC 29483
6 Month Regular Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
6 Month Certificate
$100,000
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.89% above avg
Details
Balance: $100,000.00
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
6 Month IRA Traditional & Roth CD
$500
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
6 Month Regular CD
$500
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
6 Month Certificate
$50,000
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.84% above avg
Details
Balance: $50,000.00
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC 29152 5032
6 month IRA Certificate
$100,000
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $100,000+
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
Share Certificates 6 Month
$0
3.59%
▲ 0.82% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.82% above avg
Details
+50k
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
6 Month Certificate
$1,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Balance: $1,000.00
Coastal States Bank (CSB)
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5 Bow Cir, Hilton Head Island, SC 29928
6 Month CD
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Annual Percentage Yield. Rates accurate as of 02/03/2026. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC 29625
6 Month Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
Share Certificates 6 Month
$0
3.54%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.77% above avg
Details
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC 29152 5032
6 month IRA Certificate
$50,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Balance: $50,000+
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC 29152 5032
6 month IRA Certificate
$1,000
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: Up to $50,000
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2518 Main St, Conway, SC 29526 3365
6 Month IRA Share Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.68% above avg
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC 29405
6 Month Share Certificates
$0
3.39%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.62% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
6 Month IRA Plus Certificates
$0
3.34%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.57% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
6 Month Share Certificates Plus
$0
3.34%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.57% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC 29210
6 Month IRA Certificate Accounts
$500
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.53% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC 29210
6 Month Share Certificate Accounts
$500
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.53% above avg
Details
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%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Balance: $50,000 - $99,999
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
6 Month Term Share Certificate
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
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%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.43% above avg
Details
Balance: LESS THAN $25,000
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
6 Month IRA Certificates
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.37% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
6 Month Share Certificates
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.37% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
6 Month Term
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
6 Month Term
$0
2.95%
▲ 0.18% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.18% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
6 Month Term
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.13% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC 29607 5346
6 Months Certificate
$0
2.90%
▲ 0.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.13% above avg
Details
Preferred APY*: 3.25%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
6 Month Term
$0
2.84%
▲ 0.07% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.07% above avg
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1530 Bourne St, Georgetown, SC 29440 4775
6 Month Share Certificates
$0
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.24% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Augusta Rd, West Columbia, SC 29169
6 Month CD
$500
2.25%
▼ 0.52% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.52% below avg
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
812 2nd Loop Rd, Florence, SC 29505 2828
6 Month Share Certificate
$1,000
2.25%
▼ 0.52% below national avg
▼
Rate2.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.52% below avg
Details
1st Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
808 Knox Abbott Dr, Cayce, SC 29033 3318
6 Month Certificate
$500
2.20%
▼ 0.57% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.57% below avg
Details
Dividend Period: Quarterly
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
6 Month Certificate
$500
2.00%
▼ 0.77% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.77% below avg
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
1229 W Floyd Baker Blvd, Gaffney, SC 29341
182 Days (6 Months) Fixed CD
$100
1.77%
▼ 1.00% below national avg
▼
Rate1.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.00% below avg
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
1229 W Floyd Baker Blvd, Gaffney, SC 29341
182 Days (6 Months) Variable CD
$100
1.77%
▼ 1.00% below national avg
▼
Rate1.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.00% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
124 N Main St, Clover, SC 29710
6 Month Standard Rate CDs
$500
1.75%
▼ 1.02% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.02% below avg
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
256 Meeting St, Charleston, SC 29401
6 Month Certificate of Deposit Accounts Balances Less than or Equal to
$0
1.75%
▼ 1.02% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.02% below avg
Details
$250,000
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 - 6 Months
$0
1.75%
▼ 1.02% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.02% below avg
Details
$250,000
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC 29301
6 Month Certificates
$0
1.51%
▼ 1.26% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 1.26% below avg
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC 29649
6 Month Certificate
$500
1.40%
▼ 1.37% below national avg
▼
Rate1.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 1.37% below avg
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1202 N Cashua Dr, Florence, SC 29501
6 Month Share Certificate
$0
1.40%
▼ 1.37% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.37% below avg
Details
South Carolina 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 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: 4.55%
104 Trade St Ste G, Greer, SC 29651
12 Month Certificate
$500
4.25%
▲ 1.30% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
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.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
SmartStart 12 Month Certificate
$0
4.16%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.21% above avg
Details
Deposits allowed at any time! Fixed rate with guaranteed dividends. Jumpstart a lifetime of saving and investing.
OPTUS Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1501 Gervais St, Columbia, SC 29201
12-Month Certificate of Deposit
$5,000
4.13%
▲ 1.18% above national avg
▼
Rate4.05%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.18% above avg
Details
Qualifying new relationship clients only. Rates are effective through December 31, 2026. Certificate of Deposit rates are fixed for the term of the CD. APYs assume interest remains on deposit for the full term. If the account balance falls below $5,000, the account will revert to the then-current standard rate at that time. A penalty will be imposed for early withdrawal from Certificate of Deposit accounts.
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
12 Month Certificate
$100,001
4.08%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.13% above avg
Details
Deposit Amount: $100,001 and up
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
12 Month Share Certificate Accounts - IRA & Jumbo
$0
4.07%
▲ 1.12% above national avg
▼
Rate4.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
12 Month Certificate
$500
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.11% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
12 Month Elite Jumbo CD
$250,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC 29483
12 Month Special Regular Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
12 Month Share Certificate Accounts - Share
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
12 Month Certificate
$100,000
3.92%
▲ 0.97% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.97% above avg
Details
Balance: $100,000.00
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
12 Month IRA Certificate
$100,000
3.92%
▲ 0.97% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.97% above avg
Details
Balance: $100,000.00
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%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.96% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
12 Month Certificate
$50,000
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.92% above avg
Details
Balance: $50,000.00
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
12 Month IRA Certificate
$50,000
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.92% above avg
Details
Balance: $50,000.00
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
12 Month Jumbo CD
$50,000
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
12 Month Certificate
$50,001
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.87% above avg
Details
Deposit Amount: $50,001 to $100,000.99
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
12 Month Certificate
$1,000
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details
Balance: $1,000.00
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
12 Month IRA Certificate
$500
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details
Balance: $500.00
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
12 Month Certificate
$500
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
12 Month SmartStart
$100
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
Share Certificates 12 Month
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
IRA & +25k
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%
▲ 0.80% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $50,000 - $99,999
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%
▲ 0.80% above national avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: LESS THAN $25,000
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
12 Month Certificates
$500
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $0.00 - $500.00
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
12 Month Share Certificate
$500
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $500 - $19,999.99
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
12 Month Traditional IRA Certificate
$500
3.75%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $500 - $19,999.99; Roth and SEP also available
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
Explorer's Club Certificate - 12 Month
$100
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $100 - $19,999.99
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
12 Month CERTIFICATE TERM
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
MINIMUM $500,000
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
1 Year IRA Traditional & Roth CD
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
12 Month Regular CD
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1724 Bush River Rd, Columbia, SC 29210
12 Month Term Certificate
$0
3.72%
▲ 0.77% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.95%▲ 0.77% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
12 Month Individual Retirement Account (IRA) Certificate
$0
3.72%
▲ 0.77% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.77% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
12 Month Term Certificate
$0
3.72%
▲ 0.77% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.77% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
12 Month Certificate
$500
3.70%
▲ 0.75% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details
Balance: LESS THAN $25,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
12 Month CERTIFICATE TERM
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.75% above avg
Details
MINIMUM $250,000
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC 29405
12 Month Share Certificates
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.75% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC 29210
12 Month IRA Certificate Accounts
$500
3.66%
▲ 0.71% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.71% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC 29210
12 Month Share Certificate Accounts
$500
3.66%
▲ 0.71% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.71% above avg
Details
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC 29152 5032
12 Month IRA Certificates
$100,000
3.65%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.70% above avg
Details
Deposit Amount: $100,000+
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
1 Year Advantage Share Certificate
$0
3.65%
▲ 0.70% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.70% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
1 Year Loyalty Term Share Certificate
$10,000
3.65%
▲ 0.70% above national avg
▼
Rate3.59%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.70% above avg
Details
Plus 5 Years of Membership
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC 29625
12 Month Certificate
$0
3.65%
▲ 0.70% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.70% above avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
Share Certificates 12 Month
$0
3.64%
▲ 0.69% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.69% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
12 Month JUMBO CERTIFICATES
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
800 Huger St, Columbia, SC 29201 3620
12 Month Youth Certificate
$100
3.60%
▲ 0.65% above national avg
▼
Rate3.55%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
Rates effective as of October 20, 2025. Available to members 17 years of age and under. Minimum to open is $100. Additional deposits of $25 or more may be made any time. Dividends are credited and compounded quarterly. You must maintain an average daily balance equal to or greater than the minimum opening deposit to earn the annual percentage yield and avoid any service charges set forth in the Schedule.
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
800 Huger St, Columbia, SC 29201 3620
12 months Youth Certificate
$100
3.60%
▲ 0.65% above national avg
▼
Rate3.55%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
Available to members 17 years of age and under.
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
12 Month Certificate
$1,000
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.61% above avg
Details
Deposit Amount: $1,000 to $50,000.99
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2518 Main St, Conway, SC 29526 3365
12 Month IRA Share Certificate
$0
3.56%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.61% above avg
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2518 Main St, Conway, SC 29526 3365
12 Month Money Builder Small Term Share Certificate
$0
3.56%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.61% above avg
Details
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC 29152 5032
12 Month IRA Certificates
$50,000
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.60% above avg
Details
Deposit Amount: $50,000+
South Carolina 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 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: 4.55%
104 Trade St Ste G, Greer, SC 29651
18 Month Certificate
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% above avg
Details
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.
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
Senior 18-month Jumbo CD
$50,000
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.28% above avg
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2518 Main St, Conway, SC 29526 3365
18 Month Variable Rate IRA Certificate
$0
4.07%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.25% above avg
Details
Variable Rate; Minimum Balance
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2518 Main St, Conway, SC 29526 3365
18 Month Variable Rate Share Certificate
$0
4.07%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.25% above avg
Details
Variable Rate; Minimum Balance
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2518 Main St, Conway, SC 29526 3365
18 Month IRA Share Certificate
$0
4.07%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.25% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
Senior 18-month CD
$500
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
18 Month Jumbo CD
$50,000
3.90%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
18 Month Share Certificate Accounts - IRA & Jumbo
$0
3.82%
▲ 1.00% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.00% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
18 Month IRA Traditional & Roth CD
$500
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.98% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
18 Month Regular CD
$500
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.98% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1724 Bush River Rd, Columbia, SC 29210
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
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%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.93% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC 29483
18 Month Special Regular Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
18 Month IRA Certificate
$100,000
3.71%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.89% above avg
Details
Balance: $100,000.00
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
18 Month Share Certificate Accounts - Share
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.88% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
18 Month IRA Certificate
$50,000
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.84% above avg
Details
Balance: $50,000.00
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
18 Month IRA Certificate
$500
3.61%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.79% above avg
Details
Balance: $500.00
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
Share Certificates 18 Month
$0
3.59%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.77% above avg
Details
+50k
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
18 Month JUMBO CERTIFICATES
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.73% above avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
9 Richland Medical Park Dr, Columbia, SC 29203 6895
Share Certificates 18 Month
$0
3.54%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.72% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
18 Month SHARE & IRA CERTIFICATES
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.68% above avg
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC 29625
18 Month Certificate
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.67% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
18 Month IRA Plus Certificates
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.62% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
18 Month Share Certificates Plus
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.62% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
18 Month Certificate
$100,001
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.48% above avg
Details
Deposit Amount: $100,001 and up
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
18 Month IRA Certificates
$0
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.42% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
18 Month Share Certificates
$0
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.42% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
18 Month Term
$0
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.38% above avg
Details
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%
▲ 0.38% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.38% above avg
Details
Balance: $100,000 OR MORE
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
$0
3.19%
▲ 0.37% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.37% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
18 Month Term
$0
3.15%
▲ 0.33% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.33% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC 29607 5346
18 Months Certificate
$0
3.15%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.33% above avg
Details
Preferred APY*: 3.50%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
18 Month Term
$0
3.10%
▲ 0.28% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.28% above avg
Details
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%
▲ 0.28% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.28% above avg
Details
Balance: $50,000 - $99,999
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1530 Bourne St, Georgetown, SC 29440 4775
18 Month Share Certificates
$0
3.09%
▲ 0.27% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.27% above avg
Details
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%
▲ 0.23% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.23% above avg
Details
Balance: $25,000 - $49,999
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
18 Month Certificate
$50,001
3.05%
▲ 0.23% above national avg
▼
Rate3.00%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.23% above avg
Details
Deposit Amount: $50,001 to $100,000.99
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
18 Month Term
$0
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.22% above avg
Details
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
3.03%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.21% above avg
Details
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
3.03%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.21% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
18 Month Certificate
$1,000
3.03%
▲ 0.21% above national avg
▼
Rate0.03%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.21% above avg
Details
Dividends Compounded/Credited Semi-Annually
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%
▲ 0.18% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.18% above avg
Details
Balance: LESS THAN $25,000
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC 29483
18 Month Regular Certificate
$0
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.18% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
18 Month Certificate
$1,000
2.79%
▼ 0.03% below national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▼ 0.03% below avg
Details
Deposit Amount: $1,000 to $50,000.99
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1835 Bypass 72 NE, Greenwood, SC 29649
18 Month Certificate
$500
2.52%
▼ 0.30% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.30% below avg
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
256 Meeting St, Charleston, SC 29401
18 Month Certificate of Deposit Accounts Balances Less than or Equal to
$0
2.50%
▼ 0.32% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.32% below avg
Details
$250,000
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 - 18 Months
$0
2.50%
▼ 0.32% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.32% below avg
Details
$250,000
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
522 Exchange St, Shaw AFB, SC 29152 5032
18 Month IRA Certificates
$100,000
2.50%
▼ 0.32% below national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▼ 0.32% below avg
Details
Deposit Amount: $100,000+
South Carolina 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 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: 4.55%
104 Trade St Ste G, Greer, SC 29651
24 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details
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.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
24 Month Certificate
$500
4.11%
▲ 1.27% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.27% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
24 Month Elite Jumbo CD
$250,000
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC 29210
24 Month IRA Certificate Accounts
$500
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC 29210
24 Month Share Certificate Accounts
$500
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
24 Month Certificates
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $0.00 - $500.00
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
24 Month Share Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $500 - $19,999.99
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
24 Month Traditional IRA Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $500 - $19,999.99
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
24 Month Jumbo CD
$50,000
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
24 Month Share Certificate Accounts - IRA & Jumbo
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
24 Month Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
2 Year IRA Traditional & Roth CD
$500
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
24 Month Regular CD
$500
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificates - Roth Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificates - Traditional Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
2 Year Roth Executive
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1724 Bush River Rd, Columbia, SC 29210
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
24 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
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%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
24 Month Share Certificate Accounts - Share
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificates - Roth Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificates - Traditional Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2518 Main St, Conway, SC 29526 3365
24 Month IRA Share Certificate
$0
3.66%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.82% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificates - Roth
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
2 Year IRA Certificates - Traditional
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC 29405
24 Month Share Certificates
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
24 Month Certificate
$100,000
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.72% above avg
Details
Balance: $100,000.00
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
24 Month JUMBO CERTIFICATES
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC 29625
24 Month Certificate
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
24 Month Certificate
$50,000
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.67% above avg
Details
Balance: $50,000.00
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
24 Month SHARE & IRA CERTIFICATES
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC 29483
24 Month Regular Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC 29483
24 Month Special Regular Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
24 Month Certificate
$1,000
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details
Balance: $1,000.00
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
24 Month IRA Plus Certificates
$0
3.34%
▲ 0.50% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.50% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
24 Month Share Certificates Plus
$0
3.34%
▲ 0.50% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.50% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
24 Month Certificate
$100,001
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.46% above avg
Details
Deposit Amount: $100,001 and up
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
24 Month Term
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
2 Year Loyalty Term Share Certificate
$10,000
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details
Plus 5 Years of Membership
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
$0
3.24%
▲ 0.40% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.40% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
24 Month Term
$0
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
24 Month Certificate
$500
3.20%
▲ 0.36% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
Balance: $100,000 OR MORE
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC 29607 5346
24 Months Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.36% above avg
Details
Preferred APY*: 3.55%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
24 Month Term
$0
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.31% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
24 Month IRA Certificates
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.30% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
24 Month Share Certificates
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.30% above avg
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1530 Bourne St, Georgetown, SC 29440 4775
24 Month Share Certificates
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.30% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
24 Month Certificate
$500
3.10%
▲ 0.26% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details
Balance: $50,000 - $99,999
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
2 Year Term Share Certificate
$1,000
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.26% above avg
Details
South Carolina 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 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: 3.53%
225 White St W, Rock Hill, SC 29730 4039
36 Month Traditional IRA Certificate
$500
4.40%
▲ 1.64% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.64% above avg
Details
Balance: $100,000 and over; 1
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC 29301
3 Year Certificates
$0
4.25%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.49% above avg
Details
1x Bump Up
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
36 Month Traditional IRA Certificate
$500
4.20%
▲ 1.44% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details
Balance: $20,000 - $99,999.99; 1
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
36 Month Certificate
$500
4.16%
▲ 1.40% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.40% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
36 Month Elite Jumbo CD
$250,000
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
36 Month Jumbo CD
$50,000
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
36 Month Share Certificate Accounts - IRA & Jumbo
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
36 Month Certificate
$500
3.91%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.15% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
3 Year IRA Traditional & Roth CD
$500
3.90%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
36 Month Regular CD
$500
3.90%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
36 Month Share Certificate Accounts - Share
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1724 Bush River Rd, Columbia, SC 29210
36 Month Term Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.76%▲ 1.06% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC 29210
36 Month IRA Certificate Accounts
$500
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.06% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC 29210
36 Month Share Certificate Accounts
$500
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.06% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
36 Month Term Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
36 Month Traditional IRA Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $500 - $19,999.99; 1
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
36 Month IRA Plus Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
36 Month Share Certificates Plus
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
104 Trade St Ste G, Greer, SC 29651
36 Month Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
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.
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2518 Main St, Conway, SC 29526 3365
36 Month IRA Share Certificate
$0
3.71%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.95% above avg
Details
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%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
36 Month JUMBO CERTIFICATES
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificates - Roth Executive
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificates - Traditional Executive
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
36 Month IRA Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
36 Month Share Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
36 Month SHARE & IRA CERTIFICATES
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificates - Roth Premier
$10,000
3.45%
▲ 0.69% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificates - Traditional Premier
$10,000
3.45%
▲ 0.69% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC 29405
36 Month Share Certificates
$0
3.39%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.63% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificates - Roth
$500
3.35%
▲ 0.59% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.59% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
3 Year IRA Certificates - Traditional
$500
3.35%
▲ 0.59% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.59% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
36 Month Term
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC 29625
36 Month Certificate
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.53% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
36 Month Term
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.49% above avg
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1530 Bourne St, Georgetown, SC 29440 4775
36 Month Share Certificates
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details
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
$0
3.24%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.48% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
3 Year Loyalty Term Share Certificate
$10,000
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.44% above avg
Details
Plus 5 Years of Membership
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
36 Month Term
$0
3.19%
▲ 0.43% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.43% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
36 Month Term
$0
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.38% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
36 Month Certificate
$500
3.05%
▲ 0.29% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.29% above avg
Details
Balance: $100,000 OR MORE
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
36 Month Certificate
$100,001
3.05%
▲ 0.29% above national avg
▼
Rate3.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 0.29% above avg
Details
Deposit Amount: $100,001 and up
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
36 Month Certificate
$100,000
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.28% above avg
Details
Balance: $100,000.00
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
36 Month Certificate
$1,000
3.03%
▲ 0.27% above national avg
▼
Rate0.03%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 0.27% above avg
Details
Dividends Compounded/Credited Semi-Annually
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
3 Year Term Share Certificate
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.24% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
36 Month Certificate
$50,000
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.23% above avg
Details
Balance: $50,000.00
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
36 Month Certificate
$500
2.95%
▲ 0.19% above national avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.19% above avg
Details
Balance: $50,000 - $99,999
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
5470 Jackson Blvd, Columbia, SC 29207
36 Month Certificate
$1,000
2.94%
▲ 0.18% above national avg
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.18% above avg
Details
Balance: $1,000.00
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
36 Month Certificate
$500
2.90%
▲ 0.14% above national avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.14% above avg
Details
Balance: $25,000 - $49,999
South Carolina 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 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: 3.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Certificates
$500
4.40%
▲ 1.63% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.63% above avg
Details
Balance: $100,000.00 and over
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Share Certificate
$500
4.40%
▲ 1.63% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.63% above avg
Details
Balance: $100,000 and over
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Traditional IRA Certificate
$500
4.40%
▲ 1.63% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.63% above avg
Details
Balance: $100,000 and over
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
48 Month Elite Jumbo CD
$250,000
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.48% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
48 Month Certificate
$500
4.22%
▲ 1.45% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.45% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Certificates
$500
4.20%
▲ 1.43% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Balance: $20,000.00 - $100,000.00
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Share Certificate
$500
4.20%
▲ 1.43% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Balance: $20,000 - $99,999.99
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Traditional IRA Certificate
$500
4.20%
▲ 1.43% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Balance: $20,000 - $99,999.99
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
48 Month Share Certificate Accounts - IRA & Jumbo
$0
4.02%
▲ 1.25% above national avg
▼
Rate3.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
48 Month Regular CD
$500
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
48 Month Certificate
$500
3.96%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.19% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
48 Month Share Certificate Accounts - Share
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
48 Month IRA Plus Certificates
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
48 Month Share Certificates Plus
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1724 Bush River Rd, Columbia, SC 29210
48 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
48 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2518 Main St, Conway, SC 29526 3365
48 Month IRA Share Certificate
$0
3.76%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.99% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Certificates
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $0.00 - $500.00
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Share Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $500 - $19,999.99
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Traditional IRA Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $500 - $19,999.99
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%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.93% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
48 Month IRA Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
48 Month Share Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
48 Month JUMBO CERTIFICATES
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC 29210
48 Month IRA Certificate Accounts
$500
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.74% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
110 Outlet Pointe Blvd, Columbia, SC 29210
48 Month Share Certificate Accounts
$500
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.74% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
48 Month SHARE & IRA CERTIFICATES
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
104 Trade St Ste G, Greer, SC 29651
48 Month Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
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.
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
48 Month Term
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1530 Bourne St, Georgetown, SC 29440 4775
48 Month Share Certificates
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.58% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
48 Month Term
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
4 Year Loyalty Term Share Certificate
$10,000
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.53% above avg
Details
Plus 5 Years of Membership
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
48 Month Term
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
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
$0
3.24%
▲ 0.47% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.47% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
48 Month Term
$0
3.19%
▲ 0.42% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.42% above avg
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1066 E Montague Ave, North Charleston, SC 29405
48 Month Share Certificates
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.37% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
4 Year Term Share Certificate
$1,000
3.10%
▲ 0.33% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.33% above avg
Details
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%
▲ 0.23% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details
Balance: $100,000 OR MORE
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
201 Bi Lo Blvd, Greenville, SC 29607 5346
48 Months Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.23% above avg
Details
Preferred APY*: 3.35%
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%
▲ 0.13% above national avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.13% above avg
Details
Balance: $50,000 - $99,999
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
48 Month Certificate
$500
2.85%
▲ 0.08% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
Balance: $25,000 - $49,999
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
4 Year Share Certificate JUMBO
$50,000
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.08% above avg
Details
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
42 Plaza Dr, Travelers Rest, SC 29690
48 Month Prime Rate Certificates of Deposit
$0
2.83%
▲ 0.06% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.06% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1400 3rd Ave, Conway, SC 29526
48 Month Certificate
$500
2.80%
▲ 0.03% above national avg
▼
Rate2.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.03% above avg
Details
Balance: LESS THAN $25,000
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
123 Broadbent Way, Anderson, SC 29625
48 Month Certificate
$0
2.78%
▲ 0.01% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.01% above avg
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
4 Year Share Certificate
$500
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.02% below avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
350 Harrison Bridge Rd, Simpsonville, SC 29680
48 Month Certificate
$100,001
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▼ 0.24% below avg
Details
Deposit Amount: $100,001 and up
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC 29301
4 Year Certificates
$0
2.52%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.25% below avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
200 Marymeade Dr, Summerville, SC 29483
48 Month Regular Certificate
$0
2.30%
▼ 0.47% below national avg
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.47% below avg
Details
South Carolina 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 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: 3.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Certificates
$500
4.40%
▲ 1.56% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.56% above avg
Details
Balance: $100,000.00 and over
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Share Certificate
$500
4.40%
▲ 1.56% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.56% above avg
Details
Balance: $100,000 and over
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Traditional IRA Certificate
$500
4.40%
▲ 1.56% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.56% above avg
Details
Balance: $100,000 and over
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
60 Month Certificate
$500
4.27%
▲ 1.43% above national avg
▼
Rate4.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.43% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
6 - 60 month terms
$500
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Guaranteed return, flexible terms
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
60 Month Elite Jumbo CD
$250,000
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Certificates
$500
4.20%
▲ 1.36% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
Balance: $20,000.00 - $100,000.00
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Share Certificate
$500
4.20%
▲ 1.36% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
Balance: $20,000 - $99,999.99
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Traditional IRA Certificate
$500
4.20%
▲ 1.36% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
Balance: $20,000 - $99,999.99
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
60 Month Share Certificate Accounts - IRA & Jumbo
$0
4.12%
▲ 1.28% above national avg
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.28% above avg
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
163 Forum Dr Ste 1, Columbia, SC 29229 5700
60 Month Certificate
$0
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.18% above avg
Details
Balance: $100,000+
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
163 Forum Dr Ste 1, Columbia, SC 29229 5700
60 Month IRA Certificate Account
$0
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.18% above avg
Details
Balance: $100,000+
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
163 Forum Dr Ste 1, Columbia, SC 29229 5700
IRA Certificate Account - 60 months
$0
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.18% above avg
Details
Balance: $100,000+
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
60 Month IRA Plus Certificates
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.17% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
60 Month Share Certificates Plus
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.17% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
60 Month Certificate
$500
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.17% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
60 Month Share Certificate Accounts - Share
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
5 Year IRA Traditional & Roth CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
269 Harwich St, Rock Hill, SC 29730
60 Month Regular CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
163 Forum Dr Ste 1, Columbia, SC 29229 5700
60 Month Certificate
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.08% above avg
Details
Balance: $500 - $99,999.99
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
163 Forum Dr Ste 1, Columbia, SC 29229 5700
60 Month IRA Certificate Account
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.08% above avg
Details
Balance: $500 - $99,999.99
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
163 Forum Dr Ste 1, Columbia, SC 29229 5700
IRA Certificate Account - 60 months
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.08% above avg
Details
Balance: $500 - $99,999.99
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1724 Bush River Rd, Columbia, SC 29210
60 Month Term Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.84%▲ 0.98% above avg
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2518 Main St, Conway, SC 29526 3365
60 Month IRA Share Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.98% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1545 Sumter St, Columbia, SC 29201
60 Month Term Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
60 Month IRA Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2A The Pkwy, Greenville, SC 29615
60 Month Share Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Certificates
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $0.00 - $500.00
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Share Certificate
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $500 - $19,999.99
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
225 White St W, Rock Hill, SC 29730 4039
60 Month Traditional IRA Certificate
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $500 - $19,999.99
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%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
5 Year IRA Certificates - Roth Executive
$100,000
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
5 Year IRA Certificates - Traditional Executive
$100,000
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
60 Month JUMBO CERTIFICATES
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
1522 Bushy Park Rd, Goose Creek, SC 29445
60 Month SHARE & IRA CERTIFICATES
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
5 Year IRA Certificates - Roth Premier
$10,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
5 Year IRA Certificates - Traditional Premier
$10,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1530 Bourne St, Georgetown, SC 29440 4775
60 Month Share Certificates
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
60 Month Term
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
5 Year Advantage Share Certificate
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.56% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
5 Year Loyalty Term Share Certificate
$10,000
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.56% above avg
Details
Plus 5 Years of Membership
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
5 Year IRA Certificates - Roth
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.56% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC 29161
5 Year IRA Certificates - Traditional
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.56% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
60 Month Term
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
60 Month Term
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
225 W Blackstock Rd, Spartanburg, SC 29301
5 Year Certificates
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.45% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3621 Pelham Rd, Greenville, SC 29615
60 Month Term
$0
3.24%
▲ 0.40% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.40% above avg
Details
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
$0
3.24%
▲ 0.40% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.40% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
143 Old Jackson Hwy, Beech Island, SC 29842
5 Year Term Share Certificate
$1,000
3.15%
▲ 0.31% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.31% above avg
Details
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MonitorBankRates
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
2.952%
▲ 0.030 vs 7 days ago
South Carolina 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD SC Avg
2.767%
▲ 0.021 vs 7 days ago
South Carolina 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
SC CD Rate Forecast, Next 12 Months
Where are South Carolina CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
SC 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
Powered by
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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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
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 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
660
CD Rates
Tracked in South Carolina
Tracked in South Carolina
18 Banks
36 Credit Unions
About Our South Carolina CD Rate Database
MonitorBankRates tracks 660 CD rates from 18 banks and 36 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 (1–5), 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: Family Trust Federal Credit Union offers a CD at 4.40% APY with a minimum deposit of $500. 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 36 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: 54 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
$123/yr
At SC 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,152/year) and putting it in a CD would earn an additional $123 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 (90–180 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 Certificate at 4.34% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Family Trust Federal Credit Union is offering its 60 Month Certificates at 4.40% 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:
- Family Trust Federal Credit Union: 4.40% APY (36 Month Traditional IRA Certificate)
- Greenville Heritage Federal Credit Union: 4.34% APY (6 Month Certificate)
- Founders Federal Credit Union: 4.27% APY (60 Month Certificate)
- Ukrainian Federal Credit Union: 4.25% APY (3 Year Certificates)
- Skyla Federal Credit Union: 4.25% APY (48 Month Elite Jumbo CD)
- Empeople Credit Union: 4.25% APY (12 Month Certificate)
- OPTUS Bank: 4.13% APY (12-Month Certificate of Deposit)
- Houston Federal Credit Union: 4.12% APY (60 Month Share Certificate Accounts - IRA & Jumbo)
- Carolina Trust Federal Credit Union: 4.07% APY (18 Month Variable Rate IRA Certificate)
- Carolinas Telco Federal Credit Union: 4.07% APY (24 Month IRA Certificate Accounts)
Rates reflect recent verified offers available in South Carolina. Last Updated: September 21, 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
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 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 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
South Carolina CD LadderSC CD rates currently range from 2.065% (3-month) to 2.765% (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 4.40% APY, know your exit cost. Most institutions charge 90–180 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 2.952% 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: September 21, 2026
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