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CD Rate Trends

Charleston, South Carolina Best CD Rates September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: September 9, 2026

Current Charleston, South Carolina CD rates include REVREV2030 Sam Rittenberg Blvd, Charleston, SC 29407A+5.0 ★Texas Ratio: 3.41%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Certificate Special at 4.00% APY, Beacon Community BankBeacon Community Bank20 Fairchild St, Charleston, SC 29492A+5.0 ★Texas Ratio: 0.20%Real return: +1.11%APY minus CPI (February 2026) offering 12 Month Certificate at 3.91% APY, United Community BankUnited Community Bank946 Orleans Rd, Charleston, SC 29407A+5.0 ★Texas Ratio: 3.06%Real return: +0.85%APY minus CPI (February 2026) offering 6-month CD at 3.65% APY, TruistTruist174 Meeting St, Charleston, SC 29401A+5.0 ★Texas Ratio: 3.81%Real return: +0.45%APY minus CPI (February 2026) offering 12-month CD at 3.25% APY, and Latitude 32 Federal Credit UnionLatitude 32 Federal Credit Union1845 Sam Rittenberg Blvd, Charleston, SC 29407A+5.0 ★Texas Ratio: 0.77%Real return: +0.30%APY minus CPI (February 2026) offering 5 Year Share Certificate JUMBO at 3.10% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.

Charleston has 74 local institutions in our database, with CD rates as high as 4.00% APY from REV at 2030 Sam Rittenberg Blvd, Charleston, SC 29407. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader South Carolina area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 9, 2026

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

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Charleston 3 Month CD Rates

National 3 Month CD Average1.99% APY▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
3 Month Certificate
$0
3.50% ▲ 1.51% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.51% above avg
Details

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3951 W Ashley Cir, Charleston, SC 29414
3 Month CD
$500
2.00% ▲ 0.01% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.01% above avg
Details

Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
3 Month Certificate
$500
1.50% ▼ 0.49% below national avg
View
▼
Rate1.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.49% below avg
Details

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
3 Month
$0
1.00% ▼ 0.99% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.99% below avg
Details

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
3 Month TD Choice CD
$250
1.00% ▼ 0.99% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.99% below avg
Details

Relationship APY

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
288 Meeting St, Charleston, SC 29401
3 Month CD
$500
0.50% ▼ 1.49% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.49% below avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$0
2.50% ▲ 0.51% above national avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.51% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 3 Month Term
$0
2.50% ▲ 0.51% above national avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.51% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$0
2.45% ▲ 0.46% above national avg
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.46% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 3 Month Term
$0
2.45% ▲ 0.46% above national avg
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.46% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$0
2.40% ▲ 0.41% above national avg
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.41% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 3 Month Term
$0
2.40% ▲ 0.41% above national avg
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.41% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$0
2.34% ▲ 0.35% above national avg
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.35% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 3 Month Term
$0
2.34% ▲ 0.35% above national avg
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.35% above avg
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates 3 Month
$0
2.27% ▲ 0.28% above national avg
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▲ 0.28% above avg
Details

Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
3 Month Certificate
$0
2.25% ▲ 0.26% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.26% above avg
Details

Preferred APY: 2.60%

1st Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3 Month
$500
2.00% ▲ 0.01% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.01% above avg
Details

Dividend Period: At Maturity

Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
90 Days
$0
1.51% ▼ 0.48% below national avg
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.48% below avg
Details

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 Month Certificate +50k
$0
1.26% ▼ 0.73% below national avg
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.73% below avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 Month Certificate
$1,000
1.25% ▼ 0.74% below national avg
View
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 0.74% below avg
Details

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 Month Certificate
$0
1.00% ▼ 0.99% below national avg
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.99% below avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 Month Certificate IRA & +25k
$0
1.00% ▼ 0.99% below national avg
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.99% below avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
1.00% ▼ 0.99% below national avg
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 0.99% below avg
Details

Countybank
Institution Rating:
B+4.3 ★Texas Ratio: 5.52%
3 Month Certificate
$1,000
0.98% ▼ 1.01% below national avg
View
▼
Rate0.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 1.01% below avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
0.95% ▼ 1.04% below national avg
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 1.04% below avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
0.90% ▼ 1.09% below national avg
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 1.09% below avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
0.85% ▼ 1.14% below national avg
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 1.14% below avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
0.80% ▼ 1.19% below national avg
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 1.19% below avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
0.75% ▼ 1.24% below national avg
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 1.24% below avg
Details

SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Share Certificate
$1,000
0.50% ▼ 1.49% below national avg
View
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 1.49% below avg
Details

Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
3 months
$500
0.18% ▼ 1.81% below national avg
View
▼
Rate0.18%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.81% below avg
Details

Charleston 6 Month CD Rates

National 6 Month CD Average2.67% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 Fairchild St, Charleston, SC 29492
6 Month Certificate
$0
3.90% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.23% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
6 Month Certificate
$0
3.75% ▲ 1.08% above national avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details

United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
946 Orleans Rd, Charleston, SC 29407
6-month CD
$2,500
3.65% ▲ 0.98% above national avg
View
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.98% above avg
Details

Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly. Subject to early withdrawal penalty. Automatically renews on the maturity date.

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3951 W Ashley Cir, Charleston, SC 29414
6 Month CD
$500
2.25% ▼ 0.42% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.42% below avg
Details

Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
6 Month Certificate
$500
2.00% ▼ 0.67% below national avg
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 0.67% below avg
Details

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
288 Meeting St, Charleston, SC 29401
6 Month CD
$500
1.75% ▼ 0.92% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.92% below avg
Details

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
6 Month TD Choice CD
$250
1.00% ▼ 1.67% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.67% below avg
Details

Relationship APY

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 Month Certificate
$0
3.66% ▲ 0.99% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.99% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 Month Certificate
$0
3.61% ▲ 0.94% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.94% above avg
Details

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
6 Month Certificate +50k
$0
3.59% ▲ 0.92% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.92% above avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 Month Certificate
$0
3.56% ▲ 0.89% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.89% above avg
Details

Coastal States Bank (CSB)
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month CD
$0
3.55% ▲ 0.88% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.88% above avg
Details

Rates accurate as of 02/03/2026. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
6 Month Certificate
$0
3.54% ▲ 0.87% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.87% above avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
6 Month Certificate IRA & +25k
$0
3.54% ▲ 0.87% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.87% above avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$1,000
3.25% ▲ 0.58% above national avg
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.58% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$1,000
3.20% ▲ 0.53% above national avg
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.53% above avg
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates 6 Month
$0
3.14% ▲ 0.47% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.47% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Term
$0
3.00% ▲ 0.33% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 6 Month Term
$0
3.00% ▲ 0.33% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Term
$0
2.95% ▲ 0.28% above national avg
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.28% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 6 Month Term
$0
2.95% ▲ 0.28% above national avg
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.28% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Term
$0
2.90% ▲ 0.23% above national avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.23% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 6 Month Term
$0
2.90% ▲ 0.23% above national avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.23% above avg
Details

Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
6 Month Certificate
$0
2.90% ▲ 0.23% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.23% above avg
Details

Preferred APY: 3.25%

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Term
$0
2.84% ▲ 0.17% above national avg
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.17% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 6 Month Term
$0
2.84% ▲ 0.17% above national avg
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.17% above avg
Details

Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Months
$0
2.53% ▼ 0.14% below national avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.14% below avg
Details

SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate
$1,000
2.25% ▼ 0.42% below national avg
View
▼
Rate2.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 0.42% below avg
Details

1st Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
6 Month
$500
2.20% ▼ 0.47% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.47% below avg
Details

Dividend Period: Quarterly

First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
182 Days (6 Months)
$100
1.77% ▼ 0.90% below national avg
View
▼
Rate1.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 0.90% below avg
Details

CDs - Fixed

Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
6 Month Certificate
$0
1.51% ▼ 1.16% below national avg
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 1.16% below avg
Details

Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month Certificate
$500
1.40% ▼ 1.27% below national avg
View
▼
Rate1.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 1.27% below avg
Details

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
6-Month IRA Share Certificate
$1,000
1.20% ▼ 1.47% below national avg
View
▼
Rate1.19%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 1.47% below avg
Details

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
6-Month Share Certificate
$1,000
1.15% ▼ 1.52% below national avg
View
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 1.52% below avg
Details

Countybank
Institution Rating:
B+4.3 ★Texas Ratio: 5.52%
6 Month Certificate
$1,000
1.01% ▼ 1.66% below national avg
View
▼
Rate1.01%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▼ 1.66% below avg
Details

South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
6 Months
$0
0.85% ▼ 1.82% below national avg
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.82% below avg
Details

1st Federal Savings Bank of SC
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$1,000
0.50% ▼ 2.17% below national avg
View
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 2.17% below avg
Details

Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
6 months
$500
0.20% ▼ 2.47% below national avg
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.47% below avg
Details

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
6 Month
$500
0.10% ▼ 2.57% below national avg
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.57% below avg
Details

Charleston 12 Month CD Rates

National 12 Month CD Average2.84% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
12 Month Certificate Special
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.16% above avg
Details

Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 Fairchild St, Charleston, SC 29492
12 Month Certificate
$0
3.91% ▲ 1.07% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.07% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
12 Month Certificate
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.41% above avg
Details

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
174 Meeting St, Charleston, SC 29401
12-month CD
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.41% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
12 Month Small Saver
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.16% above avg
Details

IRA Certificate

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
12 Month Certificate
$0
2.75% ▼ 0.09% below national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▼ 0.09% below avg
Details

IRA Certificate

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
1 Year Certificate JUMBO
$50,000
2.40% ▼ 0.44% below national avg
View
▼
Rate2.37%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▼ 0.44% below avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
1 Year Certificate
$500
2.30% ▼ 0.54% below national avg
View
▼
Rate2.28%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▼ 0.54% below avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
1 Year IRA Certificate
$500
2.30% ▼ 0.54% below national avg
View
▼
Rate1.28%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▼ 0.54% below avg
Details

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
288 Meeting St, Charleston, SC 29401
1 Year CD
$500
2.00% ▼ 0.84% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.84% below avg
Details

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3951 W Ashley Cir, Charleston, SC 29414
1 Year CD
$500
2.00% ▼ 0.84% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.84% below avg
Details

Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
12 Month - Relationship
$0
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 1.84% below avg
Details

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
12 Month TD Choice CD
$250
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 1.84% below avg
Details

Relationship APY

The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
256 Meeting St, Charleston, SC 29401
12 Month - Fixed Rate
$0
0.50% ▼ 2.34% below national avg
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▼ 2.34% below avg
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
SmartStart 12 Month Certificate
$0
4.16% ▲ 1.32% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.32% above avg
Details

Deposits allowed at any time! Fixed rate with guaranteed dividends

OPTUS Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
12-Month Certificate of Deposit
$5,000
4.13% ▲ 1.29% above national avg
View
▼
Rate4.05%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.29% above avg
Details

Qualifying new relationship clients only. Rates are fixed for the term of the CD. Fees may reduce earnings. Offers may be withdrawn at any time without notice. Rates effective through December 31, 2026.

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month Certificate
$500
4.06% ▲ 1.22% above national avg
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.22% above avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Months
$0
3.92% ▲ 1.08% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.08% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month Certificate
$0
3.92% ▲ 1.08% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.08% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month IRA Certificate
$0
3.92% ▲ 1.08% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.08% above avg
Details

Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 Month Certificate
$0
3.91% ▲ 1.07% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.07% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Months
$0
3.87% ▲ 1.03% above national avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.03% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month Certificate
$0
3.87% ▲ 1.03% above national avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.03% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month IRA Certificate
$0
3.87% ▲ 1.03% above national avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.03% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Months
$0
3.82% ▲ 0.98% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.98% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month Certificate
$0
3.82% ▲ 0.98% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.98% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month IRA Certificate
$0
3.82% ▲ 0.98% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.98% above avg
Details

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month Certificate +50k
$0
3.80% ▲ 0.96% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.96% above avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month Certificate IRA & +25k
$0
3.80% ▲ 0.96% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.96% above avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month Certificate
$500
3.80% ▲ 0.96% above national avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.96% above avg
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month SmartStart
$100
3.80% ▲ 0.96% above national avg
View
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.96% above avg
Details

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Month
$500
3.75% ▲ 0.91% above national avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details

Roth and SEP also available

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Explorer's Club Certificate - 12 Month
$100
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
12 Months
$0
3.72% ▲ 0.88% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.88% above avg
Details

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month Certificate
$0
3.64% ▲ 0.80% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.80% above avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Youth Certificate 12 months
$100
3.60% ▲ 0.76% above national avg
View
▼
Rate3.55%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.76% above avg
Details

Available to members 17 years of age and under. Additional deposits of $25 or more may be made any time. Dividends are credited and compounded quarterly.

Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
12 Month Money Builder Small Term Share Certificate
$0
3.56% ▲ 0.72% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.72% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Months Add-To
$0
3.51% ▲ 0.67% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.67% above avg
Details

Add-To

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Months Youth Add-To
$0
3.51% ▲ 0.67% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.67% above avg
Details

Youth Add-To

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate
$500
3.51% ▲ 0.67% above national avg
View
▼
Rate3.51%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.67% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 MOS Senior
$5,000
3.51% ▲ 0.67% above national avg
View
▼
Rate3.51%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.67% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate
$500
3.46% ▲ 0.62% above national avg
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.62% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Months Add-To
$0
3.45% ▲ 0.61% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.61% above avg
Details

Add-To

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Months Youth Add-To
$0
3.45% ▲ 0.61% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.61% above avg
Details

Youth Add-To

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 1 Year
$100,000
3.45% ▲ 0.61% above national avg
View
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.61% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 1 Year
$100,000
3.45% ▲ 0.61% above national avg
View
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.61% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Months Add-To
$0
3.40% ▲ 0.56% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.56% above avg
Details

Add-To

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Months Youth Add-To
$0
3.40% ▲ 0.56% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.56% above avg
Details

Youth Add-To

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
12 Month IRA Certificate
$0
3.40% ▲ 0.56% above national avg
View
▼
Rate3.33%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.56% above avg
Details

Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
12 Month Certificate
$0
3.40% ▲ 0.56% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.56% above avg
Details

Preferred APY: 3.75%

Charleston 18 Month CD Rates

National 18 Month CD Average2.67% APY▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
18 Month Certificate Special
$0
3.75% ▲ 1.08% above national avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details

Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 Fairchild St, Charleston, SC 29492
18 Month Certificate
$0
3.75% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.08% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
18 Month Certificate
$0
3.00% ▲ 0.33% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.33% above avg
Details

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
288 Meeting St, Charleston, SC 29401
18 Month CD
$500
1.80% ▼ 0.87% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.87% below avg
Details

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
18 Month
$0
1.00% ▼ 1.67% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.67% below avg
Details

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
18 Month TD Choice CD
$250
1.00% ▼ 1.67% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.67% below avg
Details

Relationship APY

The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
256 Meeting St, Charleston, SC 29401
18 Month - Fixed Rate
$0
0.75% ▼ 1.92% below national avg
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 1.92% below avg
Details

Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
18 Month Variable Rate IRA Certificate
$0
4.07% ▲ 1.40% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.40% above avg
Details

Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
18 Month Variable Rate Share Certificate
$0
4.07% ▲ 1.40% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.40% above avg
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
18 Months
$0
3.77% ▲ 1.10% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.10% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 Month IRA Certificate
$0
3.71% ▲ 1.04% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.04% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
18 Months
$0
3.66% ▲ 0.99% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.99% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 Month IRA Certificate
$0
3.66% ▲ 0.99% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.99% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
18 Months
$0
3.61% ▲ 0.94% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.94% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 Month IRA Certificate
$0
3.61% ▲ 0.94% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.94% above avg
Details

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificate +50k
$0
3.59% ▲ 0.92% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.92% above avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
18 Months
$0
3.56% ▲ 0.89% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.89% above avg
Details

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificate
$0
3.54% ▲ 0.87% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.87% above avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificate IRA & +25k
$0
3.54% ▲ 0.87% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.87% above avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates 18 Month
$0
3.24% ▲ 0.57% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.57% above avg
Details

Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
18 Month Certificate
$0
3.24% ▲ 0.57% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.57% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
18 Month Term
$0
3.20% ▲ 0.53% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.53% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.20% ▲ 0.53% above national avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.53% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
18 Month Term
$0
3.15% ▲ 0.48% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.48% above avg
Details

Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
18 Month Certificate
$0
3.15% ▲ 0.48% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.48% above avg
Details

Preferred APY: 3.50%

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
18 Month Term
$0
3.10% ▲ 0.43% above national avg
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.10% ▲ 0.43% above national avg
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.43% above avg
Details

Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Months
$0
3.09% ▲ 0.42% above national avg
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.42% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.05% ▲ 0.38% above national avg
View
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.38% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
18 Month Term
$0
3.04% ▲ 0.37% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.37% above avg
Details

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
18 Months
$1,000
3.03% ▲ 0.36% above national avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.36% above avg
Details

Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
18 Month Certificate
$0
3.03% ▲ 0.36% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.36% above avg
Details

Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
18 Months Fixed
$0
3.03% ▲ 0.36% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.36% above avg
Details

Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
18 Months Variable
$0
3.03% ▲ 0.36% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.36% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.00% ▲ 0.33% above national avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.33% above avg
Details

Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
18 Month Certificate
$500
2.57% ▼ 0.10% below national avg
View
▼
Rate2.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 0.10% below avg
Details

Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
18 Month Certificate
$500
2.52% ▼ 0.15% below national avg
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 0.15% below avg
Details

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
18-Month IRA Certificate
$1,000
1.65% ▼ 1.02% below national avg
View
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 1.02% below avg
Details

Enterprise Bank of South Carolina
Institution Rating:
B4.4 ★Texas Ratio: 21.96%
Traditional IRA - 18 month Fixed Rate
$0
1.61% ▼ 1.06% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 1.06% below avg
Details

Enterprise Bank of South Carolina
Institution Rating:
B4.4 ★Texas Ratio: 21.96%
Traditional IRA - 18 month Variable Rate
$0
1.61% ▼ 1.06% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 1.06% below avg
Details

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
18-Month Share Certificate
$1,000
1.60% ▼ 1.07% below national avg
View
▼
Rate1.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 1.07% below avg
Details

Enterprise Bank of South Carolina
Institution Rating:
B4.4 ★Texas Ratio: 21.96%
18 Month
$0
1.56% ▼ 1.11% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 1.11% below avg
Details

Countybank
Institution Rating:
B+4.3 ★Texas Ratio: 5.52%
18 Month Certificate
$1,000
1.04% ▼ 1.63% below national avg
View
▼
Rate1.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▼ 1.63% below avg
Details

South Carolina Methodist Conference Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
18 Months
$0
1.00% ▼ 1.67% below national avg
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.67% below avg
Details

1st Federal Savings Bank of SC
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA CERTIFICATES 18 MONTHS
$100
0.65% ▼ 2.02% below national avg
View
▼
Rate0.65%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 2.02% below avg
Details

DAILY

Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
18 months
$500
0.40% ▼ 2.27% below national avg
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.27% below avg
Details

First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
18 Months
$100
0.30% ▼ 2.37% below national avg
View
▼
Rate0.30%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 2.37% below avg
Details

CDs - Fixed

Charleston 24 Month CD Rates

National 24 Month CD Average2.71% APY▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 Fairchild St, Charleston, SC 29492
24 Month Certificate
$0
3.75% ▲ 1.04% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.04% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
24 Month Certificate
$0
3.50% ▲ 0.79% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
24 Month Certificate
$0
3.00% ▲ 0.29% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.29% above avg
Details

IRA Certificate

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
2 Year Certificate JUMBO
$50,000
2.65% ▼ 0.06% below national avg
View
▼
Rate2.62%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▼ 0.06% below avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
2 Year Certificate
$500
2.55% ▼ 0.16% below national avg
View
▼
Rate2.52%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▼ 0.16% below avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
2 Year IRA Certificate
$500
2.55% ▼ 0.16% below national avg
View
▼
Rate2.52%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▼ 0.16% below avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
24 Month Adult Flex Certificate
$250
2.40% ▼ 0.31% below national avg
View
▼
Rate2.37%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▼ 0.31% below avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
24 Month Youth Flex Certificate
$100
2.40% ▼ 0.31% below national avg
View
▼
Rate2.37%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▼ 0.31% below avg
Details

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3951 W Ashley Cir, Charleston, SC 29414
2 Year CD
$500
2.25% ▼ 0.46% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.46% below avg
Details

Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
288 Meeting St, Charleston, SC 29401
2 Year CD
$500
1.80% ▼ 0.91% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.91% below avg
Details

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
24 Month
$0
1.00% ▼ 1.71% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.71% below avg
Details

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
24 Month TD Choice CD
$250
1.00% ▼ 1.71% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.71% below avg
Details

Relationship APY

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Month Certificate
$500
4.11% ▲ 1.40% above national avg
View
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.40% above avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month
$500
4.00% ▲ 1.29% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.29% above avg
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Month Certificate
$500
3.85% ▲ 1.14% above national avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.14% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Executive
$0
3.80% ▲ 1.09% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 2 Years
$100,000
3.80% ▲ 1.09% above national avg
View
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 2 Years
$100,000
3.80% ▲ 1.09% above national avg
View
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
24 Months
$0
3.77% ▲ 1.06% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.06% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 2 Years
$10,000
3.70% ▲ 0.99% above national avg
View
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.99% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 2 Years
$10,000
3.70% ▲ 0.99% above national avg
View
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.99% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
24 Months
$0
3.61% ▲ 0.90% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.90% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
24 Months
$0
3.56% ▲ 0.85% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
24 Month Certificate
$0
3.56% ▲ 0.85% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.85% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
24 Months
$0
3.51% ▲ 0.80% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
24 Month Certificate
$0
3.51% ▲ 0.80% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.80% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
24 Month Certificate
$0
3.45% ▲ 0.74% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.74% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
24 Month Step Up
$0
3.30% ▲ 0.59% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details

Step Up

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
24 Month Term
$0
3.25% ▲ 0.54% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 24 Month Term
$0
3.25% ▲ 0.54% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
24 Month Step Up
$0
3.25% ▲ 0.54% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Step Up

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
24 Month Term
$0
3.20% ▲ 0.49% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.49% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 24 Month Term
$0
3.20% ▲ 0.49% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.49% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
24 Month Step Up
$0
3.20% ▲ 0.49% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.49% above avg
Details

Step Up

Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
24 Month Certificate
$0
3.20% ▲ 0.49% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.49% above avg
Details

Preferred APY: 3.55%

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Certificate
$500
3.20% ▲ 0.49% above national avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 0.49% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
24 Month Term
$0
3.15% ▲ 0.44% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.44% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 24 Month Term
$0
3.15% ▲ 0.44% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.44% above avg
Details

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
24 Month IRA Certificate
$0
3.15% ▲ 0.44% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.44% above avg
Details

Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Months
$0
3.14% ▲ 0.43% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.43% above avg
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates 24 Month
$0
3.14% ▲ 0.43% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.43% above avg
Details

Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
24 Month Certificate
$0
3.14% ▲ 0.43% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.43% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Certificate
$500
3.10% ▲ 0.39% above national avg
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 0.39% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
24 Month Term
$0
3.09% ▲ 0.38% above national avg
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.38% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 24 Month Term
$0
3.09% ▲ 0.38% above national avg
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.38% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
24 Month FLEX (with 1x rate increase option)
$0
3.08% ▲ 0.37% above national avg
View
▼
Rate3.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.37% above avg
Details

with 1x rate increase option

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Certificate
$500
3.05% ▲ 0.34% above national avg
View
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 0.34% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
24 Month FLEX (with 1x rate increase option)
$0
3.03% ▲ 0.32% above national avg
View
▼
Rate2.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.32% above avg
Details

with 1x rate increase option

Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
24 Month Certificate
$0
3.03% ▲ 0.32% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 0.32% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Certificate
$500
3.00% ▲ 0.29% above national avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 0.29% above avg
Details

Charleston 36 Month CD Rates

National 36 Month CD Average2.64% APY▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 Fairchild St, Charleston, SC 29492
36 Month Certificate
$0
3.70% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.06% above avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
3 Year Certificate JUMBO
$50,000
2.85% ▲ 0.21% above national avg
View
▼
Rate2.81%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.21% above avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
3 Year Certificate
$500
2.75% ▲ 0.11% above national avg
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.11% above avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
3 Year IRA Certificate
$500
2.75% ▲ 0.11% above national avg
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.11% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
36 Month Certificate
$0
2.25% ▼ 0.39% below national avg
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▼ 0.39% below avg
Details

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
288 Meeting St, Charleston, SC 29401
3 Year CD
$500
1.85% ▼ 0.79% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.79% below avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
36 Month Certificate
$0
1.75% ▼ 0.89% below national avg
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▼ 0.89% below avg
Details

IRA Certificate

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3951 W Ashley Cir, Charleston, SC 29414
3 Year CD
$500
1.40% ▼ 1.24% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.24% below avg
Details

Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
3 Year
$0
1.00% ▼ 1.64% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.64% below avg
Details

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
3 Year TD Choice CD
$250
1.00% ▼ 1.64% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.64% below avg
Details

Relationship APY

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month
$500
4.40% ▲ 1.76% above national avg
View
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.76% above avg
Details

1

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month
$500
4.20% ▲ 1.56% above national avg
View
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.56% above avg
Details

1

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate
$500
4.16% ▲ 1.52% above national avg
View
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.52% above avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate
$500
3.91% ▲ 1.27% above national avg
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.27% above avg
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
36 Months
$0
3.82% ▲ 1.18% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.18% above avg
Details

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month
$500
3.75% ▲ 1.11% above national avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.11% above avg
Details

1

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 3 Years
$100,000
3.55% ▲ 0.91% above national avg
View
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.91% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 3 Years
$100,000
3.55% ▲ 0.91% above national avg
View
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.91% above avg
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates 36 Month
$0
3.55% ▲ 0.91% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.91% above avg
Details

Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Year Certificate
$0
3.50% ▲ 0.86% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.86% above avg
Details

1x Bump Up

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 3 Years
$10,000
3.45% ▲ 0.81% above national avg
View
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.81% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 3 Years
$10,000
3.45% ▲ 0.81% above national avg
View
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.81% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
36 Months
$0
3.40% ▲ 0.76% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.76% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
36 Months
$0
3.35% ▲ 0.71% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.71% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
36 Month Term
$0
3.30% ▲ 0.66% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.66% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 36 Month Term
$0
3.30% ▲ 0.66% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.66% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
36 Months
$0
3.30% ▲ 0.66% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.66% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
36 Month Term
$0
3.25% ▲ 0.61% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 36 Month Term
$0
3.25% ▲ 0.61% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details

Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Months
$0
3.25% ▲ 0.61% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
36 Month Term
$0
3.19% ▲ 0.55% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.55% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 36 Month Term
$0
3.19% ▲ 0.55% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.55% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
36 Month Term
$0
3.14% ▲ 0.50% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.50% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 36 Month Term
$0
3.14% ▲ 0.50% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.50% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36 Month Certificate
$500
3.05% ▲ 0.41% above national avg
View
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.64%▲ 0.41% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
36 Month Certificate
$0
3.04% ▲ 0.40% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.40% above avg
Details

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
36 Months
$1,000
3.03% ▲ 0.39% above national avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.39% above avg
Details

Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
36 Month Certificate
$0
3.03% ▲ 0.39% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.64%▲ 0.39% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
36 Month Certificate
$0
2.99% ▲ 0.35% above national avg
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.35% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36 Month Certificate
$500
2.95% ▲ 0.31% above national avg
View
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.64%▲ 0.31% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
36 Month Certificate
$0
2.94% ▲ 0.30% above national avg
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.30% above avg
Details

Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
36 Month Certificate
$0
2.90% ▲ 0.26% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.26% above avg
Details

Preferred APY: 3.25%

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36 Month Certificate
$500
2.90% ▲ 0.26% above national avg
View
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.64%▲ 0.26% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36 Month Certificate
$500
2.85% ▲ 0.21% above national avg
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.64%▲ 0.21% above avg
Details

Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
36 Month Certificate
$0
2.73% ▲ 0.09% above national avg
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.09% above avg
Details

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
36 Month Certificate +50k
$0
2.52% ▼ 0.12% below national avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 0.12% below avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
36 Month Certificate
$0
2.47% ▼ 0.17% below national avg
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 0.17% below avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
36 Month Certificate IRA & +25k
$0
2.47% ▼ 0.17% below national avg
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 0.17% below avg
Details

Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
36 Month IRA Certificate
$0
2.25% ▼ 0.39% below national avg
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▼ 0.39% below avg
Details

Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
3 Year Certificate
$500
1.86% ▼ 0.78% below national avg
View
▼
Rate1.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▼ 0.78% below avg
Details

Charleston 48 Month CD Rates

National 48 Month CD Average2.65% APY▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 Fairchild St, Charleston, SC 29492
48 Month Certificate
$0
3.70% ▲ 1.05% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.05% above avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
4 Year Share Certificate JUMBO
$50,000
2.85% ▲ 0.20% above national avg
View
▼
Rate2.81%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.20% above avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
4 Year Share Certificate
$500
2.75% ▲ 0.10% above national avg
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.10% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
48 Month Certificate
$0
2.30% ▼ 0.35% below national avg
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 0.35% below avg
Details

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
288 Meeting St, Charleston, SC 29401
4 Year CD
$500
1.90% ▼ 0.75% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.75% below avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
48 Month Certificate
$0
1.80% ▼ 0.85% below national avg
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 0.85% below avg
Details

IRA Certificate

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3951 W Ashley Cir, Charleston, SC 29414
4 Year CD
$500
1.15% ▼ 1.50% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.50% below avg
Details

Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month
$500
4.40% ▲ 1.75% above national avg
View
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.75% above avg
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Month Certificate
$500
4.22% ▲ 1.57% above national avg
View
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 1.57% above avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month
$500
4.20% ▲ 1.55% above national avg
View
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.55% above avg
Details

Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
48 Month Certificate
$0
4.06% ▲ 1.41% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.41% above avg
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Month Certificate
$500
3.96% ▲ 1.31% above national avg
View
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 1.31% above avg
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
48 Months
$0
3.82% ▲ 1.17% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.17% above avg
Details

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month
$500
3.75% ▲ 1.10% above national avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.10% above avg
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates 48 Month
$0
3.65% ▲ 1.00% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 1.00% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$0
3.35% ▲ 0.70% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.70% above avg
Details

Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Months
$0
3.35% ▲ 0.70% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.70% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$0
3.30% ▲ 0.65% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.65% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$0
3.25% ▲ 0.60% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.60% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$0
3.19% ▲ 0.54% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.54% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
48 Months
$0
3.14% ▲ 0.49% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.49% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
48 Months
$0
3.09% ▲ 0.44% above national avg
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.44% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
48 Months
$0
3.04% ▲ 0.39% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.39% above avg
Details

Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
48 Month Certificate
$0
3.03% ▲ 0.38% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%▲ 0.38% above avg
Details

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
48 Month IRA Certificate
$0
3.00% ▲ 0.35% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.35% above avg
Details

Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
48 Month Certificate
$0
3.00% ▲ 0.35% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.35% above avg
Details

Preferred APY: 3.35%

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.00% ▲ 0.35% above national avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%▲ 0.35% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
2.90% ▲ 0.25% above national avg
View
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%▲ 0.25% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
2.85% ▲ 0.20% above national avg
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%▲ 0.20% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
2.80% ▲ 0.15% above national avg
View
▼
Rate2.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%▲ 0.15% above avg
Details

Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
4 Year Certificate
$0
2.52% ▼ 0.13% below national avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 0.13% below avg
Details

Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
4 Year Certificate
$500
1.91% ▼ 0.74% below national avg
View
▼
Rate1.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▼ 0.74% below avg
Details

Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
4 Year Certificate
$500
1.86% ▼ 0.79% below national avg
View
▼
Rate1.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▼ 0.79% below avg
Details

Enterprise Bank of South Carolina
Institution Rating:
B4.4 ★Texas Ratio: 21.96%
48 Month
$0
1.61% ▼ 1.04% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 1.04% below avg
Details

Countybank
Institution Rating:
B+4.3 ★Texas Ratio: 5.52%
48 Month Certificate
$1,000
1.09% ▼ 1.56% below national avg
View
▼
Rate1.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▼ 1.56% below avg
Details

1st Federal Savings Bank of SC
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 MONTHS
$1,000
0.80% ▼ 1.85% below national avg
View
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 1.85% below avg
Details

DAILY

First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
4 Years
$100
0.30% ▼ 2.35% below national avg
View
▼
Rate0.30%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 2.35% below avg
Details

CDs - Fixed

Charleston 60 Month CD Rates

National 60 Month CD Average2.75% APY▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 Fairchild St, Charleston, SC 29492
60 Month Certificate
$0
3.70% ▲ 0.95% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.95% above avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
5 Year Share Certificate JUMBO
$50,000
3.10% ▲ 0.35% above national avg
View
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.35% above avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
5 Year Share Certificate
$500
3.00% ▲ 0.25% above national avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.25% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
60 Month Certificate
$0
2.80% ▲ 0.05% above national avg
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.05% above avg
Details

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
2.5 Year Certificate
$500
2.60% ▼ 0.15% below national avg
View
▼
Rate2.57%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▼ 0.15% below avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
60 Month Certificate
$0
2.30% ▼ 0.45% below national avg
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▼ 0.45% below avg
Details

IRA Certificate

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
288 Meeting St, Charleston, SC 29401
5 Year CD
$500
1.90% ▼ 0.85% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.85% below avg
Details

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3951 W Ashley Cir, Charleston, SC 29414
5 Year CD
$500
1.25% ▼ 1.50% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.50% below avg
Details

Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.

BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
5400 International BLVD, Charleston, SC 29418
60 Month Business CD
$0
1.15% ▼ 1.60% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▼ 1.60% below avg
Details

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
5 Year
$0
1.00% ▼ 1.75% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.75% below avg
Details

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
852 Orleans Rd, Charleston, SC 29407
5 Year TD Choice CD
$250
1.00% ▼ 1.75% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.75% below avg
Details

Relationship APY

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month
$500
4.40% ▲ 1.65% above national avg
View
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.65% above avg
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
60 Month Certificate
$500
4.27% ▲ 1.52% above national avg
View
▼
Rate4.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.52% above avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month
$500
4.20% ▲ 1.45% above national avg
View
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.45% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Certificate
$0
4.02% ▲ 1.27% above national avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.27% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificate Account 60 months
$0
4.02% ▲ 1.27% above national avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.27% above avg
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
60 Month Certificate
$500
4.01% ▲ 1.26% above national avg
View
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.26% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Certificate
$0
3.92% ▲ 1.17% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.17% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificate Account 60 months
$0
3.92% ▲ 1.17% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.17% above avg
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
60 Months
$0
3.82% ▲ 1.07% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.07% above avg
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates 60 Month
$0
3.80% ▲ 1.05% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.05% above avg
Details

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month
$500
3.75% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.00% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 5 Years
$100,000
3.60% ▲ 0.85% above national avg
View
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.85% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 5 Years
$100,000
3.60% ▲ 0.85% above national avg
View
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.85% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 5 Years
$10,000
3.50% ▲ 0.75% above national avg
View
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.75% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 5 Years
$10,000
3.50% ▲ 0.75% above national avg
View
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.75% above avg
Details

Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Months
$0
3.45% ▲ 0.70% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.70% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 Month Term
$0
3.40% ▲ 0.65% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.65% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 Month Term
$0
3.35% ▲ 0.60% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.60% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 Month Term
$0
3.30% ▲ 0.55% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.55% above avg
Details

Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
5 Year Certificate
$0
3.29% ▲ 0.54% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.54% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 Month Term
$0
3.24% ▲ 0.49% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.49% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
60 Months
$0
3.14% ▲ 0.39% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.39% above avg
Details

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
60 Month IRA Certificate
$0
3.10% ▲ 0.35% above national avg
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.35% above avg
Details

Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
60 Month Certificate
$0
3.10% ▲ 0.35% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.35% above avg
Details

Preferred APY: 3.45%

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
60 Months
$0
3.09% ▲ 0.34% above national avg
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.34% above avg
Details

SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2.5 Year Share Certificate
$100
3.05% ▲ 0.30% above national avg
View
▼
Rate3.01%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.30% above avg
Details

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
60 Months
$0
3.04% ▲ 0.29% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.29% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 Month Certificate
$0
3.04% ▲ 0.29% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.29% above avg
Details

Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
60 Month Certificate
$0
3.03% ▲ 0.28% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.28% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60 Month Certificate
$500
3.00% ▲ 0.25% above national avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.25% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 Month Certificate
$0
2.99% ▲ 0.24% above national avg
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.24% above avg
Details

AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 Month Certificate
$0
2.94% ▲ 0.19% above national avg
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.19% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60 Month Certificate
$500
2.90% ▲ 0.15% above national avg
View
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.15% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60 Month Certificate
$500
2.85% ▲ 0.10% above national avg
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.10% above avg
Details

Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60 Month Certificate
$500
2.80% ▲ 0.05% above national avg
View
▼
Rate2.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.05% above avg
Details

Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
60 Months
$1,000
2.52% ▼ 0.23% below national avg
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 0.23% below avg
Details

Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
5 Year Certificate
$500
2.06% ▼ 0.69% below national avg
View
▼
Rate2.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▼ 0.69% below avg
Details

Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
5 Year Certificate
$500
2.02% ▼ 0.73% below national avg
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▼ 0.73% below avg
Details

Enterprise Bank of South Carolina
Institution Rating:
B4.4 ★Texas Ratio: 21.96%
Roth IRA - 60 Month Fixed Rate
$0
1.91% ▼ 0.84% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▼ 0.84% below avg
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.

Top CD Rates from Charleston, South Carolina Institutions

Highest verified APYs available today, updated September 9, 2026

B Top 5 Bank Rates
REV
12 Month Certificate Special
A+ 5.0 ★ TX: 3.41%
Min: $0
4.00%
Beacon Community Bank
12 Month Certificate
A+ 5.0 ★ TX: 0.20%
Min: $0
3.91%
United Community Bank
6-month CD
A+ 5.0 ★ TX: 3.06%
Min: $2,500
3.65%
Truist
12-month CD
A+ 5.0 ★ TX: 3.81%
Min: $0
3.25%
Woodforest National Bank
2 Year CD
A- 5.0 ★ TX: 14.96%
Min: $500
2.25%
CU Top 5 Credit Union Rates
Latitude 32 Federal Credit Union
5 Year Share Certificate JUMBO
A+ 5.0 ★ TX: 0.77%
Min: $50,000
3.10%
BECU Boeing Employees Credit Union
60 Month Business CD
A+ 5.0 ★ TX: 2.15%
Min: $0
1.15%
Family Trust Federal Credit Union
36 Month
A+ 5.0 ★ TX: 3.53%
Min: $500
4.40%
Founders Federal Credit Union
60 Month Certificate
A+ 5.0 ★ TX: 3.68%
Min: $500
4.27%
Carolina Trust Federal Credit Union
18 Month Variable Rate IRA Certificate
A+ 5.0 ★ TX: 5.26%
Min: $0
4.07%
Rates verified September 9, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Charleston, SC CD Rate Trends

Compare local Charleston, 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
2.840%
▲ 0.175 vs 7 days ago

South Carolina 12-month CD rates rose 0.175 points over the past 7 days to 2.840% APY.

6-Month CD SC Avg
2.669%
▲ 0.885 vs 7 days ago

South Carolina 6-month CD rates rose 0.885 points over the past 7 days to 2.669% APY.

As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

SC CD Rate Forecast, Next 12 Months

Where are South Carolina CD rates headed through September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

SC 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the South Carolina average 12-month CD APY in our database.

Spread model: The South Carolina 12-month CD average currently trades 1.54% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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 1.993% $99.65 $199.29 $498.22 $996.45
6-Month CD 2.669% $133.45 $266.90 $667.25 $1,334.50
12-Month CD 2.840% $142.01 $284.02 $710.05 $1,420.10
18-Month CD 2.673% $133.67 $267.34 $668.35 $1,336.70
24-Month CD 2.712% $135.61 $271.23 $678.07 $1,356.15
36-Month CD 2.640% $132.02 $264.03 $660.07 $1,320.15
48-Month CD 2.652% $132.61 $265.23 $663.07 $1,326.15
60-Month CD 2.747% $137.35 $274.69 $686.73 $1,373.45
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026.

Sample CD Ladder for Charleston, 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.

Build Your Ladder
Rung Term Deposit SC Avg APY Annual Earnings
1 3-Month CD $5,000 1.993% $99.65
2 6-Month CD $5,000 2.669% $133.45
3 12-Month CD $5,000 2.840% $142.01
4 24-Month CD $5,000 2.712% $135.61
5 36-Month CD $5,000 2.640% $132.02
Total ($25,000 invested) $25,000 2.571% blended $642.74/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.

355
CD Rates
Tracked in Charleston, South Carolina
17 Banks 25 Credit Unions

About Our Charleston, South Carolina CD Rate Database

MonitorBankRates tracks 355 CD rates from 17 banks and 25 credit unions with locations in Charleston, 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: REV offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Charleston, South Carolina.

How to Find the Best CD Rates in Charleston, South Carolina

What to compare when shopping for a CD in Charleston, South Carolina

To find the best APYs in Charleston, South Carolina, start with credit unions and online-only banks: Charleston, South Carolina has 25 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 Charleston, 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 Charleston, South Carolina: 42 institutions here report CD rates

Consider an Alternative If…

Charleston, South Carolina Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
16.4%
National avg: 17.3%
Median Individual Earnings
$52,100
National avg: $47,340
Poverty Rate
12.3%
National avg: 11.1%
Unemployment Rate
3.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$148/yr
At SC 12-mo avg 2.840% APY

16.4% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.3% reflects a strong local economy. At today’s SC 12-month CD average of 2.840%, saving 10% of the local median salary ($5,210/year) and putting it in a CD would earn an additional $148 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 Charleston, South Carolina

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Charleston, South Carolina

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Charleston, South Carolina typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Charleston, South Carolina as everywhere in the U.S.

Choosing a CD Term in Charleston, South Carolina

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Charleston, South Carolina savers easier access to their funds. For example, Beacon Community Bank is offering its 6 Month Certificate at 3.90% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Beacon Community Bank is offering its 60 Month Certificate at 3.70% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Charleston, South Carolina Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Charleston, South Carolina saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Charleston, South Carolina

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Charleston, South Carolina CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Charleston, South Carolina

Most CDs carry a fixed rate that is locked for the entire term, protecting a Charleston, South Carolina depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Charleston, South Carolina

Are CD rates in Charleston, South Carolina FDIC insured?

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

Here are recent top rates found for this area:
  • REV: 4.00% APY (12 Month Certificate Special)
  • Beacon Community Bank: 3.91% APY (12 Month Certificate)
  • United Community Bank: 3.65% APY (6-month CD)
  • Truist: 3.25% APY (12-month CD)
  • Latitude 32 Federal Credit Union: 3.10% APY (5 Year Share Certificate JUMBO)
  • Woodforest National Bank: 2.25% APY (2 Year CD)
  • United Bank: 2.00% APY (1 Year CD)
  • BECU Boeing Employees Credit Union: 1.15% APY (60 Month Business CD)
  • TD Bank: 1.00% APY (12 Month - Relationship)
  • The Bank of South Carolina: 0.75% APY (18 Month - Fixed Rate)
Rates reflect recent verified offers available in Charleston, South Carolina. Last Updated: September 9, 2026

Charleston, South Carolina CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Charleston, South Carolina rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures
—

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top Charleston, South Carolina CD Rates by Term

Verified September 9, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Charleston, South Carolina. Averages shown use the South Carolina state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Charleston, South Carolina

Charleston, South Carolina CD Calculator

At today’s SC top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.

Charleston, South Carolina CD Ladder

SC CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Charleston, South Carolina CD at 4.00% 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 Savings

South Carolina’s average 12-month CD is 2.840% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Charleston, South Carolina CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Charleston, South Carolina directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Charleston, South Carolina. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in SC.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 9, 2026

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