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CD Rate Trends

Effingham, South Carolina Best CD Rates September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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 Effingham, South Carolina CD rates include Family Trust Federal Credit UnionFamily Trust Federal Credit UnionA+5.0 ★Texas Ratio: 3.53%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month at 4.40% APY, Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 3.68%Real return: +1.47%APY minus CPI (February 2026) offering 60 Month Certificate at 4.27% APY, OPTUS BankOPTUS BankA+5.0 ★Texas Ratio: 4.89%Real return: +1.33%APY minus CPI (February 2026) offering 12-Month Certificate of Deposit at 4.13% APY, Carolina Trust Federal Credit UnionCarolina Trust Federal Credit UnionA+5.0 ★Texas Ratio: 5.26%Real return: +1.27%APY minus CPI (February 2026) offering 18 Month Variable Rate IRA Certificate at 4.07% APY, and Woodruff Federal S&LWoodruff Federal S&LA+5.0 ★Texas Ratio: 0.82%Real return: +1.26%APY minus CPI (February 2026) offering 48 Month Certificate at 4.06% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.

Effingham is a smaller community with no bank or credit union branches currently in our database. 415 institutions serving the South Carolina area are available to Effingham residents, with CD rates as high as 4.40% APY from Family Trust Federal Credit Union. 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 Effingham, South Carolina & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Effingham 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%
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

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

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
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.

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

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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

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

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
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%
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

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

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
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

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

Effingham 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%
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%
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

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

United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
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.

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

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
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.

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

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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

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

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
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

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

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
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

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

Effingham 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
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

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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

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

Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
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

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%

Coastal States Bank (CSB)
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month CD
$0
3.40% ▲ 0.56% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.56% 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.

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 1 Year
$10,000
3.35% ▲ 0.51% above national avg
View
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.51% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 1 Year
$10,000
3.35% ▲ 0.51% above national avg
View
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.51% above avg
Details

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates 12 Month
$0
3.34% ▲ 0.50% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.50% above avg
Details

SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Share Certificate
$500
3.29% ▲ 0.45% above national avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.45% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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%
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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
12 Month Term
$0
3.15% ▲ 0.31% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.31% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Business 12 Month Term
$0
3.15% ▲ 0.31% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.31% above avg
Details

1st Federal Savings Bank of SC
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$1,000
3.15% ▲ 0.31% above national avg
View
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.31% above avg
Details

DAILY

1st Federal Savings Bank of SC
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA CERTIFICATES 12 MONTHS
$100
3.15% ▲ 0.31% above national avg
View
▼
Rate3.10%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.31% above avg
Details

DAILY

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
12 Month Term
$0
3.10% ▲ 0.26% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.26% above avg
Details

Effingham 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
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

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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%
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

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

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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

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

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
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

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

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
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%
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%
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

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

Effingham 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
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

Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
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

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

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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

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

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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

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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
24 Month FLEX (with 1x rate increase option)
$0
2.98% ▲ 0.27% above national avg
View
▼
Rate2.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.27% above avg
Details

with 1x rate increase option

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
24 Month FLEX (with 1x rate increase option)
$0
2.92% ▲ 0.21% above national avg
View
▼
Rate2.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.21% above avg
Details

with 1x rate increase option

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
24 Month Certificate +50k
$0
2.57% ▼ 0.14% below national avg
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.14% 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.

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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%
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

Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
24 Month Certificate
$0
2.52% ▼ 0.19% below national avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.19% 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%
24 Month Certificate IRA & +25k
$0
2.52% ▼ 0.19% below national avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.19% 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.

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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

Effingham 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
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

Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
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

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

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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

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

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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%
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

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.

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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

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

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
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

Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
3 Year Certificate
$500
1.81% ▼ 0.83% below national avg
View
▼
Rate1.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▼ 0.83% below avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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

Enterprise Bank of South Carolina
Institution Rating:
B4.4 ★Texas Ratio: 21.96%
Traditional IRA - 36 month Fixed Rate
$0
1.71% ▼ 0.93% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▼ 0.93% below avg
Details

Enterprise Bank of South Carolina
Institution Rating:
B4.4 ★Texas Ratio: 21.96%
36 Month
$0
1.61% ▼ 1.03% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▼ 1.03% below avg
Details

Effingham 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
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

Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
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

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

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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

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

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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

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

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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

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

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
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

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

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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

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

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
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.

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

Effingham 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
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

Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
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

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

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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

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

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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

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

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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

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

Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
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

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

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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

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

Enterprise Bank of South Carolina
Institution Rating:
B4.4 ★Texas Ratio: 21.96%
Roth IRA - 60 Month Variable 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

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
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%
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%
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

Countybank
Institution Rating:
B+4.3 ★Texas Ratio: 5.52%
60 Month Certificate
$1,000
1.10% ▼ 1.65% below national avg
View
▼
Rate1.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▼ 1.65% 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 Effingham, South Carolina Institutions

Highest verified APYs available today, updated September 9, 2026

B Top 5 Bank Rates
OPTUS Bank
12-Month Certificate of Deposit
A+ 5.0 ★ TX: 4.89%
Min: $5,000
4.13%
Woodruff Federal S&L
48 Month Certificate
A+ 5.0 ★ TX: 0.82%
Min: $0
4.06%
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%
CU Top 5 Credit Union Rates
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%
Grow Financial Federal Credit Union
60 Month Certificate
A+ 5.0 ★ TX: 2.28%
Min: $0
4.02%
Palmetto Citizens Federal Credit Union
12 Months
A+ 5.0 ★ TX: 4.16%
Min: $0
3.92%
Rates verified September 9, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Effingham, SC CD Rate Trends

Compare local Effingham, 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 Effingham, 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 Effingham, South Carolina
17 Banks 25 Credit Unions

About Our Effingham, South Carolina CD Rate Database

MonitorBankRates tracks 355 CD rates from 17 banks and 25 credit unions with locations in Effingham, South Carolina, plus national online institutions available to South Carolina residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Family Trust Federal Credit Union offers a CD at 4.40% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Effingham, South Carolina.

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

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

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

Consider an Alternative If…

South Carolina Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
18.9%
National avg: 17.3%
Median Individual Earnings
$41,521
National avg: $47,340
Poverty Rate
14.1%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$118/yr
At SC 12-mo avg 2.840% APY

18.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s SC 12-month CD average of 2.840%, saving 10% of the local median salary ($4,152/year) and putting it in a CD would earn an additional $118 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 Effingham, 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 Effingham, 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 Effingham, 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 Effingham, South Carolina as everywhere in the U.S.

Choosing a CD Term in Effingham, 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 Effingham, 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, Family Trust Federal Credit Union is offering its 60 Month at 4.40% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Effingham, 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 Effingham, 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 Effingham, 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 Effingham, 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 Effingham, South Carolina

Most CDs carry a fixed rate that is locked for the entire term, protecting a Effingham, 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 Effingham, South Carolina

Are CD rates in Effingham, South Carolina FDIC insured?

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

Here are recent top rates found for this area:
  • Family Trust Federal Credit Union: 4.40% APY (36 Month)
  • Founders Federal Credit Union: 4.27% APY (60 Month Certificate)
  • OPTUS Bank: 4.13% APY (12-Month Certificate of Deposit)
  • Carolina Trust Federal Credit Union: 4.07% APY (18 Month Variable Rate IRA Certificate)
  • Woodruff Federal S&L: 4.06% APY (48 Month Certificate)
  • Grow Financial Federal Credit Union: 4.02% APY (60 Month Certificate)
  • REV: 4.00% APY (12 Month Certificate Special)
  • Palmetto Citizens Federal Credit Union: 3.92% APY (12 Months)
  • AllSouth Federal Credit Union: 3.92% APY (12 Month Certificate)
  • Beacon Community Bank: 3.91% APY (12 Month Certificate)
Rates reflect recent verified offers available in Effingham, South Carolina. Last Updated: September 9, 2026

Effingham, 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 Effingham, 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 Effingham, 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 Effingham, 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 Effingham, South Carolina

Effingham, South Carolina CD Calculator

At today’s SC top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.

Effingham, 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 Effingham, South Carolina CD at 4.40% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield 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 Effingham, 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 Effingham, 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 Effingham, 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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