CD Rates Gresham, South Carolina (SC) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Gresham, South Carolina CD rates include Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 4.65%Real return: +1.42%APY minus CPI (February 2026) offering 60 Month Fixed Rate IRA Certificates at 4.22% APY, SPC Credit UnionSPC Credit UnionA5.0 ★Texas Ratio: 7.96%Real return: +1.27%APY minus CPI (February 2026) offering 24 Month Certificate at 4.07% APY, Houston Federal Credit UnionHouston Federal Credit UnionA+5.0 ★Texas Ratio: 2.55%Real return: +1.12%APY minus CPI (February 2026) 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%Real return: +1.11%APY minus CPI (February 2026) 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%Real return: +1.02%APY minus CPI (February 2026) offering 6 month Share Certificate at 3.82% APY. CD rates as of April 13, 2026 according to verified data from MonitorBankRates.
Gresham 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 Gresham 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 13, 2026
Compare Best CD Rates in Gresham, South Carolina & the Surrounding Area
Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit.
$250 Minimum Balance
$1,000
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 Promotional rates may be withdrawn without notice.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.
$250 Minimum Balance
$250,000
Relationship APY
Qualifying balance up to $49,000.00
$250 Minimum Balance
Relationship APY
$250 Minimum Balance
$250 Minimum Balance
$250 Minimum Balance
$250 Minimum Balance
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Gresham, SC CD Rate Trends
Compare local Gresham, 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.
South Carolina 12-month CD rates currently average 2.212% APY based on data from institutions in our monitoring network.
South Carolina 6-month CD rates currently average 1.609% APY based on data from institutions in our monitoring network.
SC CD Rate Forecast — Next 12 Months
Where are South Carolina CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at SC CD Rates Today
Annual interest earnings at today’s South Carolina average APYs. State average used where available; national average as fallback.
| CD Term | SC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.055% | $52.73 | $105.45 | $263.63 | $527.25 |
| 6-Month CD | 1.609% | $80.44 | $160.88 | $402.20 | $804.40 |
| 12-Month CD | 2.212% | $110.59 | $221.18 | $552.95 | $1,105.90 |
| 18-Month CD | 2.441% | $122.07 | $244.14 | $610.35 | $1,220.70 |
| 24-Month CD | 2.712% | $135.58 | $271.15 | $677.88 | $1,355.75 |
| 36-Month CD | 2.595% | $129.75 | $259.49 | $648.73 | $1,297.45 |
| 48-Month CD | 2.902% | $145.12 | $290.24 | $725.60 | $1,451.20 |
| 60-Month CD | 2.679% | $133.93 | $267.85 | $669.63 | $1,339.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 13, 2026. | |||||
Sample CD Ladder for Gresham, South Carolina Savers
$25,000 split equally across 5 terms using today’s South Carolina average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | SC Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.055% | $52.73 |
| 2 | 6-Month CD | $5,000 | 1.609% | $80.44 |
| 3 | 12-Month CD | $5,000 | 2.212% | $110.59 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.58 |
| 5 | 36-Month CD | $5,000 | 2.595% | $129.75 |
| Total ($25,000 invested) | $25,000 | 2.036% blended | $509.09/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.
in Gresham, South Carolina
About Our Gresham, South Carolina CD Rate Database
MonitorBankRates tracks CD rates from 12 banks and 15 credit unions with locations in Gresham, 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: Founders Federal Credit Union offers a CD at 4.22% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Gresham, South Carolina.
How to Find the Best CD Rates in Gresham, South Carolina
What to compare when shopping for a CD in Gresham, South Carolina
To find the best APYs in Gresham, South Carolina, start with credit unions and online-only banks — Gresham, South Carolina has 15 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 Gresham, 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 Gresham, South Carolina — 27 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Gresham, South Carolina savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Gresham, South Carolina money market rates
South Carolina Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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 2.212%, saving 10% of the local median salary ($4,152/year) and putting it in a CD would earn an additional $92 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 Gresham, 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 |
Frequently Asked Questions about CD Rates in Gresham, South Carolina
Are CD rates in Gresham, South Carolina FDIC insured?
Do I have to pay state taxes on CD interest in Gresham, South Carolina?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Gresham, South Carolina?
- 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)
CD Calculators for Gresham, South Carolina
At today’s SC top rate of 4.22% APY, a $10,000 deposit earns $422 in the first year. Enter your amount to see your exact return.
Gresham, South Carolina CD LadderSC CD rates currently range from 1.055% (3-month) to 2.595% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Gresham, South Carolina CD at 4.22% 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 2.212% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Gresham, 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 Gresham, 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.
