MonitorBankRates
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CD Rates Bath, South Carolina (SC) for April 2026

Current Bath, South Carolina CD rates include Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 4.65% offering 60 Month Fixed Rate IRA Certificates at 4.22% APY, SPC Credit UnionSPC Credit UnionA5.0 ★Texas Ratio: 7.96% offering 24 Month Certificate at 4.07% APY, Houston Federal Credit UnionHouston Federal Credit UnionA+5.0 ★Texas Ratio: 2.55% offering Share Certificate Accounts - IRA & Jumbo 12 Month to 17 Month at 3.92% APY, Woodruff Federal S&LWoodruff Federal S&LA+5.0 ★Texas Ratio: 1.56% offering CD's 12 month at 3.91% APY, and Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit UnionA+5.0 ★Texas Ratio: 4.17% offering 6 month Share Certificate at 3.82% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.

Bath is a smaller community with no bank or credit union branches currently in our database. 91 institutions serving the South Carolina area are available to Bath residents, with CD rates as high as 4.22% APY from Founders Federal Credit Union. Rates are continually updated — 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: April 12, 2026

Compare Best CD Rates in Bath, South Carolina & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Month Share Certificate
$0
2.58%
Rate2.55%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3 Month Certificates of Deposit
$1,000
0.93%
Rate0.93%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Month Certificate
$500
0.75%
Rate0.75%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Share Certificate
$1,000
0.50%
Rate0.50%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
Rate0.06%
Min Deposit$2,500
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 6 Month to 11 Month
$0
3.87%
Rate3.81%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
6 month Share Certificate
$500
3.82%
Rate3.75%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Security Federal Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
6 Month CD
$500
3.75%
Rate
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit.

United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6-month CD
$2,500
3.65%
Rate
Min Deposit$2,500
Min Balance
UpdatedApr 12, 2026
Details

Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
6 Month CDs
$1,000
3.55%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Certificate
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6 Month IRA Certificate
$0
3.04%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

$250 Minimum Balance

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
6 Month Share Certificate
$0
2.93%
Rate2.90%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
6 Month Share Certificate
$1,000
2.25%
Rate2.24%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Certificate
$500
1.50%
Rate1.49%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates minimum) 6 Month
$1,000
1.40%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

$1,000

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
6-Month IRA Share Certificate
$1
1.20%
Rate1.19%
Min Deposit$1
Min Balance
UpdatedApr 12, 2026
Details

Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 Month Certificates of Deposit
$1,000
0.93%
Rate0.93%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
Rate0.06%
Min Deposit$2,500
Min Balance
UpdatedApr 12, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
Rate
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 12 Month to 17 Month
$0
3.92%
Rate3.86%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CD's 12 month
$0
3.91%
Rate3.85%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1-year Certificate
$0
3.82%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Fixed Rate IRA Certificates
$500
3.80%
Rate3.75%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
12 Month Certificate
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
1 Year Share Certificate
$500
3.55%
Rate3.50%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 12 Month Savings Builder
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 month Share Certificate
$500
3.40%
Rate3.35%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12 Month Share Certificate
$0
3.34%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 6-12 month term
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

1st Federal Savings Bank of SC
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12-month CD
$1,000
3.15%
Rate3.10%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Annual Percentage Yield (APY) assumes funds remain on deposit or specified time determined at deposit. Minimum opening balance of $1,000 required. Interest compounds daily. Fees may reduce earnings on the account. Early withdrawal of CD funds will be subject to penalty and may affect yield. Promotional rates may be withdrawn without notice. Rates accurate as 11/13/24.

Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
12 Month IRA Certificate
$0
3.04%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

$250 Minimum Balance

Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 12 Month Accumulator
$0
2.60%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1 Year Certificate JUMBO
$50,000
2.10%
Rate2.08%
Min Deposit$50,000
Min Balance
UpdatedApr 12, 2026
Details

The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Certificate of Deposit Accounts Balances Greater than 1 Year
$0
2.00%
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

$250,000

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1-Year IRA Share Certificate
$1,000
1.55%
Rate1.54%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.51%
Rate1.50%
Min Deposit$2,500
Min Balance
UpdatedApr 12, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12 Month IRA Certificates
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 12, 2026
Details

Relationship APY

Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
12 Month Certificates of Deposit
$1,000
0.92%
Rate0.92%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
CDs - Fixed 1 Year
$0
0.30%
Rate0.30%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
Rate
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Qualifying balance up to $49,000.00

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
Rate3.47%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 18 Month Special
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CD's 18 month
$0
3.24%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
Share & IRA Certificates - 18 Month
$0
3.20%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Certificate
$0
3.05%
Rate3.01%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
18 Month Variable Rate IRA Certificate
$0
2.89%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

$250 Minimum Balance

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
18-Month IRA Certificate
$1,000
1.65%
Rate1.64%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month IRA Certificates
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 12, 2026
Details

Relationship APY

Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
18 Month Certificates of Deposit
$1,000
0.94%
Rate0.94%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
24 Month Certificate
$0
4.07%
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month Fixed Rate IRA Certificates
$500
3.91%
Rate3.85%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 24 Month to 29 Month
$0
3.57%
Rate3.52%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 24 Month
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 month Share Certificate
$500
3.30%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CD's 24 month
$0
3.14%
Rate3.10%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
24 Month IRA Certificate
$0
2.63%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

$250 Minimum Balance

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Certificate JUMBO
$50,000
2.35%
Rate2.32%
Min Deposit$50,000
Min Balance
UpdatedApr 12, 2026
Details

Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
24 Month Certificate
$500
2.26%
Rate2.25%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
2-Year IRA Share Certificate
$1,000
1.50%
Rate1.49%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24 Month Certificates of Deposit
$1,000
0.95%
Rate0.95%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Fixed Rate IRA Certificates
$500
4.01%
Rate3.95%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 36 Month to 47 Month
$0
3.62%
Rate3.57%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
3-year Certificate
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 25-36 month term
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36 Month Share Certificate
$0
3.09%
Rate3.05%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 month Share Certificate
$500
3.04%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CD's 36 month
$0
2.73%
Rate2.70%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Certificate JUMBO
$50,000
2.60%
Rate2.57%
Min Deposit$50,000
Min Balance
UpdatedApr 12, 2026
Details

Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
36 Month IRA Certificate
$0
2.58%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

$250 Minimum Balance

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 36 Month
$0
2.25%
Rate2.22%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
3-Year IRA Share Certificate
$1,000
1.45%
Rate1.44%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36 Month Certificates of Deposit
$1,000
0.96%
Rate0.96%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Fixed Rate IRA Certificates
$500
4.11%
Rate4.05%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
Rate3.57%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
48 Month Certificate
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CD's 48 month
$0
3.19%
Rate3.15%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48 Month Share Certificate
$0
3.09%
Rate3.05%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
4 Year Share Certificate JUMBO
$50,000
2.85%
Rate2.81%
Min Deposit$50,000
Min Balance
UpdatedApr 12, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 month Share Certificate
$500
2.78%
Rate2.75%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
48 Month IRA Certificate
$0
2.53%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

$250 Minimum Balance

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 48 Month
$0
2.30%
Rate2.27%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48 Month Certificates of Deposit
$1,000
0.98%
Rate0.98%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Fixed Rate IRA Certificates
$500
4.22%
Rate4.15%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 60 Month
$0
3.77%
Rate3.72%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Share Certificate JUMBO
$50,000
3.10%
Rate3.06%
Min Deposit$50,000
Min Balance
UpdatedApr 12, 2026
Details

SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2.5 Year Share Certificate
$100
3.05%
Rate3.01%
Min Deposit$100
Min Balance
UpdatedApr 12, 2026
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60 Month Share Certificate
$0
2.83%
Rate2.80%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 60 Month
$0
2.80%
Rate2.76%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
60 Month IRA Certificate
$0
2.43%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

$250 Minimum Balance

Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
60 Month Certificates of Deposit
$1,000
0.99%
Rate0.99%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

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.

Bath, SC CD Rate Trends

Compare local Bath, SC 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.

View Full South Carolina CD Trends →
12-Month CD — SC Avg
2.212%
▼ 0.897 vs 7 days ago

South Carolina 12-month CD rates fell 0.897 points over the past 7 days to 2.212% APY.

6-Month CD — SC Avg
1.609%
▲ 0.049 vs 7 days ago

South Carolina 6-month CD rates rose 0.049 points over the past 7 days to 1.609% APY.

As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Bath, South Carolina

Are CD rates in Bath, South Carolina FDIC insured?

Yes, most established banks in Bath, 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 Bath, 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 Bath, 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 Bath, 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 Bath, South Carolina?

Here are recent top rates found for this area:
  • Founders Federal Credit Union: 4.22% APY (60 Month Fixed Rate IRA Certificates)
  • SPC Credit Union: 4.07% APY (24 Month Certificate)
  • Houston Federal Credit Union: 3.92% APY (Share Certificate Accounts - IRA & Jumbo 12 Month to 17 Month)
  • Woodruff Federal S&L: 3.91% APY (CD's 12 month)
  • Carolinas Telco Federal Credit Union: 3.82% APY (6 month Share Certificate)
  • Self-Help Credit Union: 3.82% APY (1-year Certificate)
  • Security Federal Bank: 3.75% APY (6 Month CD)
  • United Community Bank: 3.65% APY (6-month CD)
  • Coastal States Bank (CSB): 3.55% APY (6 Month CDs)
  • SCI Federal Credit Union: 3.55% APY (1 Year Share Certificate)
Rates reflect recent verified offers available in Bath, South Carolina. Last Updated: April 12, 2026

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Bath, 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 pulling data straight 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 Bath, 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: April 12, 2026