CD Rates South Carolina (SC) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Founders Federal Credit UnionFounders Federal Credit Union607 N Main St, Lancaster, SC 29720A+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, Beacon Community BankBeacon Community Bank2347 Highway 17n, Mount Pleasant, SC 29466A+5.0 ★Texas Ratio: 0.00%Real return: +1.35%APY minus CPI (February 2026) offering 6 Months Certificates of Deposit at 4.15% APY, SPC Credit UnionSPC Credit Union204 N 5th St, Hartsville, SC 29550 4136A5.0 ★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 Union100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761A+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, and Palmetto Citizens Federal Credit UnionPalmetto Citizens Federal Credit Union1320 Washington St, Columbia, SC 29201 3382A+5.0 ★Texas Ratio: 4.17%Real return: +1.12%APY minus CPI (February 2026) offering 12 Months Certificate at 3.92% APY. CD rates as of April 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 4.22% APY from Founders Federal Credit Union at 607 N Main St, Lancaster, SC 29720. 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 21, 2026
Compare Best CD Rates in South Carolina
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 3 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Regular, IRA, & ESA Certificate 3 Months
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
3 Month Share Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
3 Month Regular Share Certificate
$0
2.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250 Minimum Balance
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
123 Broadbent Way, Anderson, SC 29625
3 Months Certificate
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1530 Bourne St, Georgetown, SC 29440 4775
90 Days Share Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
256 Meeting St, Charleston, SC 29401
Certificate of Deposit Accounts Balances Greater than 3 Months
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250,000
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
3 Month Certificates of Deposit
$1,000
0.93%
▼
Rate0.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificates - 3 Months
$0
0.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
3 Month Certificate
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
3 Month Share Certificate
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
949 Sunset Blvd, West Columbia, SC 29169
Regular Certificates 3 months
$500
0.18%
▼
Rate0.18%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
16 Broad St, Charleston, SC 29401
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
215 N Pine St, Spartanburg, SC 29302
Regular CD 90 Days
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2347 Highway 17n, Mount Pleasant, SC 29466
6 Months Certificates of Deposit
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 6 Month to 11 Month
$0
3.87%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
IRA Certificate Accounts 6 month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 6 Month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Security Federal Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
238 Richland Ave W, Aiken, SC 29801
6 Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 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%
200 E Camperdown Way, Greenville, SC 29601
6-month CD
$2,500
3.65%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
123 Broadbent Way, Anderson, SC 29625
6 Months Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
204 N 5th St, Hartsville, SC 29550 4136
6 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Regular, IRA, & ESA Certificate 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
6 Month IRA Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250 Minimum Balance
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
6 Month Share Certificate
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1530 Bourne St, Georgetown, SC 29440 4775
6 Months Share Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
6 Month Share Certificate
$1,000
2.25%
▼
Rate2.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1229 W Floyd Baker Blvd, Gaffney, SC 29341
CDs - Fixed 182 Days (6 Months)
$0
1.77%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
256 Meeting St, Charleston, SC 29401
Certificate of Deposit Accounts Balances Greater than 6 Months
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250,000
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
116 NE Main St, Simpsonville, SC 29681 2656
6 Months Certificate
$500
1.50%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
6 Month Certificate
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1202 N Cashua Dr, Florence, SC 29501
6 Months Share Certificates/CDs
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1722 Gregg Ave, Florence, SC 29501
6-Month IRA Share Certificate
$1
1.20%
▼
Rate1.19%
Min Deposit$1
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificates - 6 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
6 Month Certificates of Deposit
$1,000
0.93%
▼
Rate0.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC 29203
6 Months Share Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
949 Sunset Blvd, West Columbia, SC 29169
Regular Certificates 6 months
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
215 N Pine St, Spartanburg, SC 29302
Regular CD 180 Days
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
16 Broad St, Charleston, SC 29401
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
144 S Main St, Bishopville, SC 29010
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1320 Washington St, Columbia, SC 29201 3382
12 Months Certificate
$250,000
3.92%
▼
Rate3.85%
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 12 Month to 17 Month
$0
3.92%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
247 N Main St, Woodruff, SC 29388
CD's 12 month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2347 Highway 17n, Mount Pleasant, SC 29466
12 Months Certificates of Deposit
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1545 Sumter St, Columbia, SC 29201
1-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1724 Bush River Rd, Columbia, SC 29210
1-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
12 Month Fixed Rate IRA Certificates
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
204 N 5th St, Hartsville, SC 29550 4136
12 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 12 Month Special
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Regular, IRA, & ESA Certificate 12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
123 Broadbent Way, Anderson, SC 29625
12 Months Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC 29201 3620
Youth Certificate 12 months
$100
3.60%
▼
Rate3.55%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
350 Harrison Bridge Rd, Simpsonville, SC 29680
12 Months IRA
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
1955 Sharonview Way, Indian Land, SC 29707
12 Months IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
116 NE Main St, Simpsonville, SC 29681 2656
12 Months Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1400 3rd Ave, Conway, SC 29526
IRA 12 MONTHS Fixed
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
1522 Bushy Park Rd, Goose Creek, SC 29445
JUMBO CERTIFICATE SPECIALS 12 Months
$250,000
3.45%
▼
Rate3.39%
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
IRA Certificate Accounts 12 month
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1202 N Cashua Dr, Florence, SC 29501
12 Months Share Certificates/CDs
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
12 Month Share Certificate
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
280 Commonwealth Dr, Greenville, SC 29615 4813
IRA Certificate 6-12 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
1 Year Share Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
1st Federal Savings Bank of SC
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
300 Robertson Blvd, Walterboro, SC 29488
12-month CD
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 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.
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1530 Bourne St, Georgetown, SC 29440 4775
12 Months Share Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
12 Month IRA Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250 Minimum Balance
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
1 Year Certificate JUMBO
$50,000
2.10%
▼
Rate2.08%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
256 Meeting St, Charleston, SC 29401
Certificate of Deposit Accounts Balances Greater than 1 Year
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250,000
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
42 Plaza Dr, Travelers Rest, SC 29690
12 Months CD
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1722 Gregg Ave, Florence, SC 29501
1-Year IRA Share Certificate
$1,000
1.55%
▼
Rate1.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
16 Broad St, Charleston, SC 29401
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC 29203
12 Months Share Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
307 N Main St, Marion, SC 29571
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Relationship APY
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
12 Month Certificates of Deposit
$1,000
0.92%
▼
Rate0.92%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
949 Sunset Blvd, West Columbia, SC 29169
Regular Certificates 12 months
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1229 W Floyd Baker Blvd, Gaffney, SC 29341
CDs - Fixed 1 Year
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
215 N Pine St, Spartanburg, SC 29302
Regular CD 12 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
144 S Main St, Bishopville, SC 29010
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2347 Highway 17n, Mount Pleasant, SC 29466
18 Months Certificates of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1320 Washington St, Columbia, SC 29201 3382
18 Months Certificate
$250,000
3.66%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Regular, IRA, & ESA Certificate 18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 18 Month Special
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
123 Broadbent Way, Anderson, SC 29625
18 Months Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
18 Month Share Certificate
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
247 N Main St, Woodruff, SC 29388
CD's 18 month
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1400 3rd Ave, Conway, SC 29526
IRA 18 MONTHS Fixed
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificates - 18 Month
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1530 Bourne St, Georgetown, SC 29440 4775
18 Months Share Certificates
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
204 N 5th St, Hartsville, SC 29550 4136
18 Month Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
350 Harrison Bridge Rd, Simpsonville, SC 29680
18 Months IRA
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
18 Month Variable Rate IRA Certificate
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250 Minimum Balance
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
256 Meeting St, Charleston, SC 29401
Certificate of Deposit Accounts Balances Greater than 18 Months
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250,000
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
116 NE Main St, Simpsonville, SC 29681 2656
18 Months Certificate
$500
2.01%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1722 Gregg Ave, Florence, SC 29501
18-Month IRA Certificate
$1,000
1.65%
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC 29203
18 Months Share Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
307 N Main St, Marion, SC 29571
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Relationship APY
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
18 Month Certificates of Deposit
$1,000
0.94%
▼
Rate0.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
949 Sunset Blvd, West Columbia, SC 29169
Regular Certificates 18 months
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1229 W Floyd Baker Blvd, Gaffney, SC 29341
CDs - Fixed 18 Months
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 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%
204 N 5th St, Hartsville, SC 29550 4136
24 Month Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
24 Month Fixed Rate IRA Certificates
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2347 Highway 17n, Mount Pleasant, SC 29466
24 months Certificates of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1320 Washington St, Columbia, SC 29201 3382
24 Months Certificate
$250,000
3.61%
▼
Rate3.55%
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 24 Month to 29 Month
$0
3.57%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Regular, IRA, & ESA Certificate 24 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
123 Broadbent Way, Anderson, SC 29625
24 Months Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 24 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
1955 Sharonview Way, Indian Land, SC 29707
24 Months IRA Certificate
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
IRA Certificate Accounts 24 month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
280 Commonwealth Dr, Greenville, SC 29615 4813
IRA Certificate 13-24 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1400 3rd Ave, Conway, SC 29526
IRA 24 MONTHS Fixed
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificates - 24 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
247 N Main St, Woodruff, SC 29388
CD's 24 month
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1530 Bourne St, Georgetown, SC 29440 4775
24 Months Share Certificates
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
24 Month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
24 Month IRA Certificate
$0
2.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250 Minimum Balance
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
256 Meeting St, Charleston, SC 29401
Certificate of Deposit Accounts Balances Greater than 24 Months
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250,000
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
2 Year Certificate JUMBO
$50,000
2.35%
▼
Rate2.32%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
116 NE Main St, Simpsonville, SC 29681 2656
24 Month Certificate
$500
2.26%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
42 Plaza Dr, Travelers Rest, SC 29690
24 Months CD
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1722 Gregg Ave, Florence, SC 29501
2-Year IRA Share Certificate
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1229 W Floyd Baker Blvd, Gaffney, SC 29341
CDs - Fixed 2 Years
$0
1.21%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC 29203
24 Months Share Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
24 Month Certificates of Deposit
$1,000
0.95%
▼
Rate0.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
949 Sunset Blvd, West Columbia, SC 29169
Regular Certificates 24 months
$500
0.45%
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
215 N Pine St, Spartanburg, SC 29302
Regular CD 24 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 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%
607 N Main St, Lancaster, SC 29720
36 Month Fixed Rate IRA Certificates
$500
4.01%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2347 Highway 17n, Mount Pleasant, SC 29466
36 Months Certificates of Deposit
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 36 Month to 47 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1320 Washington St, Columbia, SC 29201 3382
36 Months Certificate
$250,000
3.40%
▼
Rate3.35%
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1545 Sumter St, Columbia, SC 29201
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1724 Bush River Rd, Columbia, SC 29210
3-year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
280 Commonwealth Dr, Greenville, SC 29615 4813
IRA Certificate 25-36 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
123 Broadbent Way, Anderson, SC 29625
36 Months Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1530 Bourne St, Georgetown, SC 29440 4775
36 Months Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Regular, IRA, & ESA Certificate 36 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
36 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1400 3rd Ave, Conway, SC 29526
IRA 36 MONTHS Fixed
$0
3.05%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
IRA Certificate Accounts 36 month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
350 Harrison Bridge Rd, Simpsonville, SC 29680
36 Months IRA
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificates - 36 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
247 N Main St, Woodruff, SC 29388
CD's 36 month
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
3 Year Certificate JUMBO
$50,000
2.60%
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
36 Month IRA Certificate
$0
2.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250 Minimum Balance
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
42 Plaza Dr, Travelers Rest, SC 29690
36 Months CD
$0
2.38%
▼
Rate2.36%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
116 NE Main St, Simpsonville, SC 29681 2656
36 Months Certificate
$500
2.26%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
1955 Sharonview Way, Indian Land, SC 29707
36 Months IRA Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 36 Month
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1722 Gregg Ave, Florence, SC 29501
3-Year IRA Share Certificate
$1,000
1.45%
▼
Rate1.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
307 N Main St, Marion, SC 29571
3 Year Certificate
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Relationship APY
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
36 Month Certificates of Deposit
$1,000
0.96%
▼
Rate0.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
949 Sunset Blvd, West Columbia, SC 29169
Regular Certificates 36 months
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1229 W Floyd Baker Blvd, Gaffney, SC 29341
CDs - Fixed 3 Years
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
215 N Pine St, Spartanburg, SC 29302
Regular CD 36 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 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%
607 N Main St, Lancaster, SC 29720
48 Month Fixed Rate IRA Certificates
$500
4.11%
▼
Rate4.05%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2347 Highway 17n, Mount Pleasant, SC 29466
48 Months Certificates of Deposit
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1530 Bourne St, Georgetown, SC 29440 4775
48 Months Share Certificates
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Regular, IRA, & ESA Certificate 48 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
204 N 5th St, Hartsville, SC 29550 4136
48 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
247 N Main St, Woodruff, SC 29388
CD's 48 month
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1320 Washington St, Columbia, SC 29201 3382
48 Months Certificate
$250,000
3.14%
▼
Rate3.10%
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
48 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificates - 48 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
1955 Sharonview Way, Indian Land, SC 29707
48 Months IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
4 Year Share Certificate JUMBO
$50,000
2.85%
▼
Rate2.81%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
123 Broadbent Way, Anderson, SC 29625
48 Months Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
IRA Certificate Accounts 48 month
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
42 Plaza Dr, Travelers Rest, SC 29690
48 Months CD
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
48 Month IRA Certificate
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250 Minimum Balance
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 48 Month
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
116 NE Main St, Simpsonville, SC 29681 2656
48 Months Certificate
$500
2.01%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
48 Month Certificates of Deposit
$1,000
0.98%
▼
Rate0.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1229 W Floyd Baker Blvd, Gaffney, SC 29341
CDs - Fixed 4 Years
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
215 N Pine St, Spartanburg, SC 29302
Regular CD 48 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 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%
607 N Main St, Lancaster, SC 29720
60 Month Fixed Rate IRA Certificates
$500
4.22%
▼
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 60 Month
$0
3.77%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
163 Forum Dr Ste 1, Columbia, SC 29229 5700
60 months Certificate Account
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2347 Highway 17n, Mount Pleasant, SC 29466
60 months Certificates of Deposit
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1530 Bourne St, Georgetown, SC 29440 4775
60 Months Share Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Regular, IRA, & ESA Certificate 60 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1320 Washington St, Columbia, SC 29201 3382
60 Months Certificate
$250,000
3.14%
▼
Rate3.10%
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
1955 Sharonview Way, Indian Land, SC 29707
60 Months IRA Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
5 Year Share Certificate JUMBO
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
2.5 Year Share Certificate
$100
3.05%
▼
Rate3.01%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
1522 Bushy Park Rd, Goose Creek, SC 29445
Share & IRA Certificates - 60 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
60 Month Share Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 60 Month
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
123 Broadbent Way, Anderson, SC 29625
60 Months Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
350 Harrison Bridge Rd, Simpsonville, SC 29680
60 Months IRA
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
60 Month IRA Certificate
$0
2.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250 Minimum Balance
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
116 NE Main St, Simpsonville, SC 29681 2656
60 Months Certificate
$500
2.01%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
5400 International BLVD, Charleston, SC 29418
60 Month Business CD
$500
1.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
60 Month Certificates of Deposit
$1,000
0.99%
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1229 W Floyd Baker Blvd, Gaffney, SC 29341
CDs - Fixed 30 Months (2.5 Years)
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
215 N Pine St, Spartanburg, SC 29302
Regular CD 60 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
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
2.285%
▲ 0.073 vs 7 days ago
South Carolina 12-month CD rates rose 0.073 points over the past 7 days to 2.285% APY.
6-Month CD — SC Avg
1.330%
▼ 0.278 vs 7 days ago
South Carolina 6-month CD rates fell 0.278 points over the past 7 days to 1.330% APY.
As of Apr 21, 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
SC 12-Month Avg APY
2.285%
6-Month Forecast
2.285%
Range: 2.09% – 2.44%
12-Month Forecast
2.035%
Range: 1.84% – 2.19%
Powered by
MonitorBankRates
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 | 0.892% | $44.62 | $89.24 | $223.10 | $446.20 |
| 6-Month CD | 1.330% | $66.52 | $133.04 | $332.60 | $665.20 |
| 12-Month CD | 2.285% | $114.25 | $228.49 | $571.23 | $1,142.45 |
| 18-Month CD | 2.541% | $127.03 | $254.05 | $635.13 | $1,270.25 |
| 24-Month CD | 2.824% | $141.19 | $282.37 | $705.93 | $1,411.85 |
| 36-Month CD | 2.475% | $123.74 | $247.47 | $618.68 | $1,237.35 |
| 48-Month CD | 2.946% | $147.32 | $294.64 | $736.60 | $1,473.20 |
| 60-Month CD | 2.726% | $136.30 | $272.60 | $681.50 | $1,363.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 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 | 0.892% | $44.62 |
| 2 | 6-Month CD | $5,000 | 1.330% | $66.52 |
| 3 | 12-Month CD | $5,000 | 2.285% | $114.25 |
| 4 | 24-Month CD | $5,000 | 2.824% | $141.19 |
| 5 | 36-Month CD | $5,000 | 2.475% | $123.74 |
| Total ($25,000 invested) | $25,000 | 1.961% blended | $490.32/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.
41
Institutions
in South Carolina
in South Carolina
15 Banks
26 Credit Unions
About Our South Carolina CD Rate Database
MonitorBankRates tracks CD rates from 15 banks and 26 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: 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 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 26 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 — 41 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → South Carolina savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$95/yr
At SC 12-mo avg 2.285% 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 2.285%, saving 10% of the local median salary ($4,152/year) and putting it in a CD would earn an additional $95 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 |
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:
- Founders Federal Credit Union: 4.22% APY (60 Month Fixed Rate IRA Certificates)
- Beacon Community Bank: 4.15% APY (6 Months Certificates of Deposit)
- 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)
- Palmetto Citizens Federal Credit Union: 3.92% APY (12 Months Certificate)
- Woodruff Federal S&L: 3.91% APY (CD's 12 month)
- Carolinas Telco Federal Credit Union: 3.82% APY (IRA Certificate Accounts 6 month)
- Self-Help Federal Credit Union: 3.82% APY (1-Year Certificate)
- Self-Help Credit Union: 3.82% APY (1-year Certificate)
- REV: 3.75% APY (Regular Certificates 12 Month Special)
Rates reflect recent verified offers available in South Carolina. Last Updated: April 21, 2026
CD Calculators for South Carolina
South Carolina CD Calculator
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.
South Carolina CD LadderSC CD rates currently range from 0.892% (3-month) to 2.475% (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 4.22% 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 2.285% 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 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 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 21, 2026
Cities in South Carolina
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