Elliott, South Carolina Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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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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.
Elliott, South Carolina CD rates from banks and credit unions serving South Carolina range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 19, 2026. Current Elliott, South Carolina CD rates include Truliant Federal Credit UnionTruliant Federal Credit UnionA5.0 ★Texas Ratio: 6.43%Real return: +2.20%APY minus CPI (February 2026) offering Limited-Time 12 Month Term at 5.00% APY, Family Trust Federal Credit UnionFamily Trust Federal Credit UnionA+5.0 ★Texas Ratio: 4.53%Real return: +2.20%APY minus CPI (February 2026) offering 36 Month Traditional Certificate at 5.00% APY, Skyla Federal Credit UnionSkyla Federal Credit UnionA5.0 ★Texas Ratio: 9.56%Real return: +1.95%APY minus CPI (February 2026) offering 48 Month Elite Jumbo CD at 4.75% APY, Honda Federal Credit UnionHonda Federal Credit UnionA+5.0 ★Texas Ratio: 2.74%Real return: +1.80%APY minus CPI (February 2026) offering 5 Year Roth Executive IRA Certificate at 4.60% APY, and Carolina Trust Federal Credit UnionCarolina Trust Federal Credit UnionA+5.0 ★Texas Ratio: 5.86%Real return: +1.74%APY minus CPI (February 2026) offering 18 Month Variable Rate IRA Certificate at 4.54% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.
Elliott is a smaller community with no bank or credit union branches currently in our database. 708 institutions serving the South Carolina area are available to Elliott residents, with CD rates as high as 5.00% APY from Truliant 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: October 19, 2026
Compare Best CD Rates in Elliott, South Carolina & the Surrounding Area
Elliott 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 3 Month Certificate
$5,000
3.75%
▲ 2.28% above South Carolina avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average1.47%▲ 2.28% above avgNationally 2.12%
Details
Rate = dividend rate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000
Rate History
No change since Oct 19, 2026 · 3.75% APY
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificate 3 Month
$0
3.50%
▲ 2.03% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average1.47%▲ 2.03% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Santee Cooper Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month Share Certificates/IRA
$0
2.63%
▲ 1.16% above South Carolina avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average1.47%▲ 1.16% above avgNationally 2.12%
Details
Compounded Quarterly; Members 55 years old and over can add an additional 15 basis points to the stated rate. Restrictions do apply.
Rate History
No change since Oct 19, 2026 · 2.63% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 3 Months - Preferred
$500
2.60%
▲ 1.13% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▲ 1.13% above avgNationally 2.12%
Details
Preferred APY includes 0.35% premium; Direct Deposit and eStatements required to receive premium; Regular, IRA, or ESA certificate; Rates effective as of 10/14/2026
Rate History
No change since Oct 12, 2026 · 2.60% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.50%
▲ 1.03% above South Carolina avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 1.03% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.50%
▲ 1.03% above South Carolina avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 1.03% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.50% APY
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates Plus
$0
2.47%
▲ 1.00% above South Carolina avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▲ 1.00% above avgNationally 2.12%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 8 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 3 Months
$0
2.47%
▲ 1.00% above South Carolina avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▲ 1.00% above avgNationally 2.12%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 2.47% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.45%
▲ 0.98% above South Carolina avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 0.98% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.45%
▲ 0.98% above South Carolina avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 0.98% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.45% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.40%
▲ 0.93% above South Carolina avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 0.93% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.40%
▲ 0.93% above South Carolina avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 0.93% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.40% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.34%
▲ 0.87% above South Carolina avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 0.87% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.34%
▲ 0.87% above South Carolina avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 0.87% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.34% APY
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificate
$0
2.27%
▲ 0.80% above South Carolina avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▲ 0.80% above avgNationally 2.12%
Details
Quarterly Posted Dividend Certificate
Rate History
No change since Oct 5, 2026 · 2.27% APY · checked 3 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 3 Months
$500
2.25%
▲ 0.78% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▲ 0.78% above avgNationally 2.12%
Details
Regular, IRA, or ESA certificate; Base APY; Rates effective as of 10/14/2026; Dividends compounded daily and credited monthly
Rate History
No change since Oct 12, 2026 · 2.25% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit 3 Month
$500
2.00%
▲ 0.53% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 0.53% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▲ 0.08% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 0.08% above avgNationally 2.12%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
90 Day Share Certificate
$0
1.51%
▲ 0.04% above South Carolina avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average1.47%▲ 0.04% above avgNationally 2.12%
Details
Min. Balance $500 Rate; Regular term certificates require $500.00 minimum
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▲ 0.03% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 0.03% above avgNationally 2.12%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3 Month Certificate of Deposit Accounts
$0
1.50%
▲ 0.03% above South Carolina avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 0.03% above avgNationally 2.12%
Details
Balance: Greater than $250,000; Early withdrawal penalties may apply; Rates subject to change after account opened
Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 5 times
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Certificate of Deposit Accounts - 3 Months
$0
1.50%
▲ 0.03% above South Carolina avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▲ 0.03% above avgNationally 2.12%
Details
Balances Less than or Equal to $250,000; Early withdrawal penalties may apply
Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 5 times
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3 Month Certificate
$500
1.50%
▲ 0.03% above South Carolina avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▲ 0.03% above avgNationally 2.12%
Details
Rate History
No change since Sep 12, 2026 · 1.50% APY · checked 8 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3 Month Share Certificate
$0
1.26%
▼ 0.21% below South Carolina avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average1.47%▼ 0.21% below avgNationally 2.12%
Details
Dividends paid at maturity for terms less than 12 months.
Rate History
1 change since Sep 22, 2026 · 1.00% → 1.26% ▲ 0.26 pts · high 1.26% / low 1.00%
- Oct 9, 20261.26%▲ from 1.00%
- Sep 22, 20261.00%first recorded
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 Month Certificates of Deposit
$1,000
1.25%
▼ 0.22% below South Carolina avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▼ 0.22% below avgNationally 2.12%
Details
Balance: LESS THAN $25,000
Rate History
No change since Sep 8, 2026 · 1.25% APY · checked 8 times
Countybank
Institution Rating:
B+4.3 ★Texas Ratio: 5.52%
3 Month Certificates of Deposit
$1,000
1.04%
▼ 0.43% below South Carolina avg
▼
Rate1.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▼ 0.43% below avgNationally 2.12%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 1.04% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month CD
$0
1.00%
▼ 0.47% below South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▼ 0.47% below avgNationally 2.12%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$0
1.00%
▼ 0.47% below South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▼ 0.47% below avgNationally 2.12%
Details
Balance: $250.00 - $9,999.99; Standard APY
Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 2 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
1.00%
▼ 0.47% below South Carolina avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 0.47% below avgNationally 2.12%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
3 Month Share Certificates
$250
1.00%
▼ 0.47% below South Carolina avg
▼
Rate1.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 0.47% below avgNationally 2.12%
Details
Dividend Rate 1.00%; APY 1.00%; Minimum deposit $250.00; Dividends compounded quarterly; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3 Month IRA Share Certificate
$0
1.00%
▼ 0.47% below South Carolina avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average1.47%▼ 0.47% below avgNationally 2.12%
Details
Dividends paid at maturity for terms less than 12 months.
Rate History
No change since Sep 26, 2026 · 1.00% APY · checked 2 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3 Month Share Certificate
$0
1.00%
▼ 0.47% below South Carolina avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average1.47%▼ 0.47% below avgNationally 2.12%
Details
Dividends paid at maturity for terms less than 12 months.
Rate History
No change since Sep 22, 2026 · 1.00% APY · checked 4 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
0.95%
▼ 0.52% below South Carolina avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 0.52% below avgNationally 2.12%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 8 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
3 Month Share Investment Certificate
$100,000
0.90%
▼ 0.57% below South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 0.57% below avgNationally 2.12%
Details
Balance: $100,000+
Rate History
No change since Sep 17, 2026 · 0.90% APY · checked 3 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
0.90%
▼ 0.57% below South Carolina avg
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 0.57% below avgNationally 2.12%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 8 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
0.85%
▼ 0.62% below South Carolina avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 0.62% below avgNationally 2.12%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 8 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
3 Month Share Investment Certificate
$50,000
0.80%
▼ 0.67% below South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 0.67% below avgNationally 2.12%
Details
Balance: $50,000+
Rate History
No change since Sep 17, 2026 · 0.80% APY · checked 3 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
0.80%
▼ 0.67% below South Carolina avg
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 0.67% below avgNationally 2.12%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 8 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
3 Month Share Investment Certificate
$1,000
0.75%
▼ 0.72% below South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 0.72% below avgNationally 2.12%
Details
Balance: Up to $50,000
Rate History
No change since Sep 17, 2026 · 0.75% APY · checked 3 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
0.75%
▼ 0.72% below South Carolina avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 0.72% below avgNationally 2.12%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Standard Rate CDs
$500
0.50%
▼ 0.97% below South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▼ 0.97% below avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
3 Month Share Certificate
$1,000
0.50%
▼ 0.97% below South Carolina avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 0.97% below avgNationally 2.12%
Details
Rates offered 8/11/2026 through 8/24/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.41% below South Carolina avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▼ 1.41% below avgNationally 2.12%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.42% below South Carolina avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▼ 1.42% below avgNationally 2.12%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3 Month CD
$1,000
0.05%
▼ 1.42% below South Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 1.42% below avgNationally 2.12%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Certificates - 3 Month
$500
0.05%
▼ 1.42% below South Carolina avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average1.47%▼ 1.42% below avgNationally 2.12%
Details
Min. balance to earn APY: $500
Rate History
No change since Oct 13, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03%
▼ 1.44% below South Carolina avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▼ 1.44% below avgNationally 2.12%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.02%
▼ 1.45% below South Carolina avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▼ 1.45% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.01%
▼ 1.46% below South Carolina avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average1.47%▼ 1.46% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Elliott 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Month Term Share Certificates
$0
4.34%
▲ 1.76% above South Carolina avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 1.76% above avgNationally 2.79%
Details
Balance: $100,001 and up
Rate History
No change since Sep 25, 2026 · 4.34% APY · checked 3 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Jumbo CD
$50,000
4.10%
▲ 1.52% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▲ 1.52% above avgNationally 2.79%
Details
Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
- Oct 5, 20264.10%▲ from 3.75%
- Sep 21, 20263.75%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 6 Month Certificate
$500
4.10%
▲ 1.52% above South Carolina avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▲ 1.52% above avgNationally 2.79%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.10% APY
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Month Term Share Certificates
$0
4.08%
▲ 1.50% above South Carolina avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 1.50% above avgNationally 2.79%
Details
Balance: $50,001 to $100,000.99
Rate History
No change since Sep 25, 2026 · 4.08% APY · checked 3 times
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
6-Month CD
$1,000
4.00%
▲ 1.42% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 1.42% above avgNationally 2.79%
Details
Minimum balance to open and obtain APY is $1,000; valid for new clients or existing clients with a minimum of $25,000 in new money; early withdrawal penalty applies; APY accurate as of 09/24/2026; Open Online
Rate History
1 change since Sep 9, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
- Sep 27, 20264.00%▲ from 3.55%
- Sep 9, 20263.55%first recorded
Security Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
6 Month CD Rate Special
$500
4.00%
▲ 1.42% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 1.42% above avgNationally 2.79%
Details
CD Rate Special; Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit; APY accurate as of 09/21/2026; early withdrawal penalty varies from 3 to 18 months interest; Stop by a local Security Federal Bank branch to open a CD
Rate History
No change since Oct 14, 2026 · 4.00% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month IRA Traditional & Roth CD
$500
4.00%
▲ 1.42% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▲ 1.42% above avgNationally 2.79%
Details
Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 13, 20264.00%▲ from 3.65%
- Sep 21, 20263.65%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Regular CD
$500
4.00%
▲ 1.42% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▲ 1.42% above avgNationally 2.79%
Details
Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 5, 20264.00%▲ from 3.65%
- Sep 21, 20263.65%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Month Share Certificate Accounts - IRA & Jumbo
$0
3.87%
▲ 1.29% above South Carolina avg
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 1.29% above avgNationally 2.79%
Details
$500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum for jumbo certificates
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Month Term Share Certificates
$0
3.82%
▲ 1.24% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 1.24% above avgNationally 2.79%
Details
Balance: $1,000 to $50,000.99
Rate History
1 change since Sep 25, 2026 · 4.08% → 3.82% ▼ 0.26 pts · high 4.08% / low 3.82%
- Oct 15, 20263.82%▼ from 4.08%
- Sep 25, 20264.08%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Month Share Certificate
$500
3.75%
▲ 1.17% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 1.17% above avgNationally 2.79%
Details
Share Certificate Accounts - Share; Effective October 14, 2026 through October 19, 2026; $500 minimum investment
Rate History
No change since Oct 15, 2026 · 3.75% APY
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificate 6 Month
$0
3.75%
▲ 1.17% above South Carolina avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▲ 1.17% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75%
▲ 1.17% above South Carolina avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▲ 1.17% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75%
▲ 1.17% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▲ 1.17% above avgNationally 2.79%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
6 Month IRA Share Certificate
$0
3.71%
▲ 1.13% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 1.13% above avgNationally 2.79%
Details
Features: $250 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45%
- Oct 5, 20263.71%▲ from 3.45%
- Sep 14, 20263.45%first recorded
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6 Month Certificate
$0
3.66%
▲ 1.08% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 1.08% above avgNationally 2.79%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Share Certificates - Jumbo Certificate
$0
3.64%
▲ 1.06% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 1.06% above avgNationally 2.79%
Details
Minimum balance $100,000; Rates effective October 1, 2026
Rate History
No change since Oct 15, 2026 · 3.64% APY
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6 Month Certificate
$0
3.61%
▲ 1.03% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 1.03% above avgNationally 2.79%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 21, 2026 · 3.61% APY · checked 7 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month Certificate
$100,000
3.60%
▲ 1.02% above South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 1.02% above avgNationally 2.79%
Details
Balance: $100,000+
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month Share Investment Certificate
$100,000
3.60%
▲ 1.02% above South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 1.02% above avgNationally 2.79%
Details
Balance: $100,000+
Rate History
No change since Sep 17, 2026 · 3.60% APY · checked 3 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
6 Month Share Certificate
$0
3.59%
▲ 1.01% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▲ 1.01% above avgNationally 2.79%
Details
Dividends paid at maturity for terms less than 12 months.
Rate History
1 change since Sep 22, 2026 · 3.54% → 3.59% ▲ 0.05 pts · high 3.59% / low 3.54%
- Oct 9, 20263.59%▲ from 3.54%
- Sep 22, 20263.54%first recorded
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6 Month Certificate
$0
3.56%
▲ 0.98% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.98% above avgNationally 2.79%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 21, 2026 · 3.56% APY · checked 7 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificates of Deposit
$1,000
3.55%
▲ 0.97% above South Carolina avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 0.97% above avgNationally 2.79%
Details
Balance: $50,000 - $99,999
Rate History
1 change since Sep 8, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 14, 20263.55%▲ from 3.25%
- Sep 8, 20263.25%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Share Certificates - Certificate
$0
3.55%
▲ 0.97% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.97% above avgNationally 2.79%
Details
Minimum balance $500; Rates effective October 1, 2026
Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 5 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month Share Certificates Plus
$0
3.55%
▲ 0.97% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.97% above avgNationally 2.79%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
1 change since Sep 14, 2026 · 3.34% → 3.55% ▲ 0.21 pts · high 3.55% / low 3.34%
- Oct 15, 20263.55%▲ from 3.34%
- Sep 14, 20263.34%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 6 Months
$0
3.55%
▲ 0.97% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.97% above avgNationally 2.79%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 3.55% APY
Santee Cooper Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6 Month Share Certificates/IRA
$0
3.55%
▲ 0.97% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▲ 0.97% above avgNationally 2.79%
Details
Compounded Quarterly; Members 55 years old and over can add an additional 15 basis points to the stated rate. Restrictions do apply.
Rate History
No change since Oct 19, 2026 · 3.55% APY
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
6 Month IRA Share Certificate
$0
3.54%
▲ 0.96% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▲ 0.96% above avgNationally 2.79%
Details
Dividends paid at maturity for terms less than 12 months.
Rate History
No change since Sep 26, 2026 · 3.54% APY · checked 2 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
6 Month Share Certificate
$0
3.54%
▲ 0.96% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▲ 0.96% above avgNationally 2.79%
Details
Dividends paid at maturity for terms less than 12 months.
Rate History
No change since Sep 22, 2026 · 3.54% APY · checked 4 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificates of Deposit
$1,000
3.50%
▲ 0.92% above South Carolina avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 0.92% above avgNationally 2.79%
Details
Balance: LESS THAN $25,000
Rate History
2 changes since Sep 8, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20%
- Oct 14, 20263.50%▲ from 3.25%
- Sep 24, 20263.25%▲ from 3.20%
- Sep 8, 20263.20%first recorded
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month Certificate
$50,000
3.50%
▲ 0.92% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.92% above avgNationally 2.79%
Details
Balance: $50,000+
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month Share Investment Certificate
$50,000
3.50%
▲ 0.92% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.92% above avgNationally 2.79%
Details
Balance: $50,000+
Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 3 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 Month Term Share Certificate
$0
3.50%
▲ 0.92% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.92% above avgNationally 2.79%
Details
Effective September 28, 2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 29, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month Certificate
$1,000
3.45%
▲ 0.87% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.87% above avgNationally 2.79%
Details
Balance: Up to $50,000
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month Share Investment Certificate
$1,000
3.45%
▲ 0.87% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.87% above avgNationally 2.79%
Details
Balance: Up to $50,000
Rate History
No change since Sep 17, 2026 · 3.45% APY · checked 3 times
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
6 Month Share Certificates
$250
3.39%
▲ 0.81% above South Carolina avg
▼
Rate3.35%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.81% above avgNationally 2.79%
Details
Minimum deposit $250.00; Dividends compounded quarterly; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 8 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month Share Certificate
$0
3.34%
▲ 0.76% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.76% above avgNationally 2.79%
Details
Quarterly Posted Dividend Certificate
Rate History
1 change since Oct 5, 2026 · 3.14% → 3.34% ▲ 0.20 pts · high 3.34% / low 3.14%
- Oct 15, 20263.34%▲ from 3.14%
- Oct 5, 20263.14%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6 Month IRA Certificate Accounts
$500
3.30%
▲ 0.72% above South Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.72% above avgNationally 2.79%
Details
Rate History
No change since Sep 21, 2026 · 3.30% APY · checked 4 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6 Month Share Certificate Account
$500
3.30%
▲ 0.72% above South Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.72% above avgNationally 2.79%
Details
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 2 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 6 Months - Preferred
$500
3.25%
▲ 0.67% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.67% above avgNationally 2.79%
Details
Preferred APY includes 0.35% premium; Direct Deposit and eStatements required to receive premium; Regular, IRA, or ESA certificate; Rates effective as of 10/14/2026
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6 Month Term
$0
3.00%
▲ 0.42% above South Carolina avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 0.42% above avgNationally 2.79%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 6 Month Term Certificate
$0
3.00%
▲ 0.42% above South Carolina avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 0.42% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6 Month Term
$0
2.95%
▲ 0.37% above South Carolina avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 0.37% above avgNationally 2.79%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 6 Month Term Certificate
$0
2.95%
▲ 0.37% above South Carolina avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 0.37% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 2.95% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6 Month Term
$0
2.90%
▲ 0.32% above South Carolina avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 0.32% above avgNationally 2.79%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 6 Month Term Certificate
$0
2.90%
▲ 0.32% above South Carolina avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 0.32% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 2.90% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 6 Months
$500
2.90%
▲ 0.32% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.58%▲ 0.32% above avgNationally 2.79%
Details
Regular, IRA, or ESA certificate; Base APY; Rates effective as of 10/14/2026; Dividends compounded daily and credited monthly
Rate History
No change since Oct 12, 2026 · 2.90% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6 Month Term
$0
2.84%
▲ 0.26% above South Carolina avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 0.26% above avgNationally 2.79%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 6 Month Term Certificate
$0
2.84%
▲ 0.26% above South Carolina avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.58%▲ 0.26% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 2.84% APY
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6 Month Share Certificate
$0
2.53%
▼ 0.05% below South Carolina avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.58%▼ 0.05% below avgNationally 2.79%
Details
Min. Balance $500 Rate; Regular term certificates require $500.00 minimum
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
Elliott 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Limited-Time 12 Month Term
$0
5.00%
▲ 2.02% above South Carolina avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.98%▲ 2.02% above avgNationally 3.01%
Details
Regular & IRA Certificates; new external funds required
Rate History
No change since Oct 14, 2026 · 5.00% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.37% above South Carolina avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.98%▲ 1.37% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Elite Jumbo CD
$250,000
4.35%
▲ 1.37% above South Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.98%▲ 1.37% above avgNationally 3.01%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 12 Month Certificate
$500
4.30%
▲ 1.32% above South Carolina avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.98%▲ 1.32% above avgNationally 3.01%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.30% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Jumbo CD
$50,000
4.20%
▲ 1.22% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.98%▲ 1.22% above avgNationally 3.01%
Details
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 5, 20264.20%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Month Share Certificate Accounts - IRA & Jumbo
$0
4.17%
▲ 1.19% above South Carolina avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 1.19% above avgNationally 3.01%
Details
$500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum for jumbo certificates
Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.17% ▲ 0.20 pts · high 4.17% / low 3.97%
- Oct 13, 20264.17%▲ from 4.12%
- Sep 25, 20264.12%▲ from 4.07%
- Sep 18, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
OPTUS Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
12-Month Certificate of Deposit
$5,000
4.13%
▲ 1.15% above South Carolina avg
▼
Rate4.05%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.98%▲ 1.15% above avgNationally 3.01%
Details
Qualifying new relationship clients only; Offering rate effective June 1, 2026 through December 31, 2026; Minimum deposit of $5,000 required to open and maintain the advertised rate; If the account balance falls below $5,000, the account reverts to the then-current standard rate; Rate is fixed for the term; Early withdrawal penalty applies
Rate History
No change since Sep 7, 2026 · 4.13% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 1.12% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.98%▲ 1.12% above avgNationally 3.01%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
12-Month CD
$1,000
4.10%
▲ 1.12% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.98%▲ 1.12% above avgNationally 3.01%
Details
Minimum balance to open and obtain APY is $1,000; valid for new clients or existing clients with a minimum of $25,000 in new money; early withdrawal penalty applies; APY accurate as of 09/24/2026; Open Online
Rate History
1 change since Sep 9, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
- Sep 27, 20264.10%▲ from 3.40%
- Sep 9, 20263.40%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month Share Certificates - Jumbo Certificate
$0
4.10%
▲ 1.12% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 1.12% above avgNationally 3.01%
Details
Minimum balance $100,000; Rates effective October 1, 2026
Rate History
No change since Oct 15, 2026 · 4.10% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
1 Year IRA Traditional & Roth CD
$500
4.10%
▲ 1.12% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.98%▲ 1.12% above avgNationally 3.01%
Details
Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
- Oct 13, 20264.10%▲ from 3.75%
- Sep 21, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Regular CD
$500
4.10%
▲ 1.12% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.98%▲ 1.12% above avgNationally 3.01%
Details
Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
- Oct 5, 20264.10%▲ from 3.75%
- Sep 21, 20263.75%first recorded
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
12 Month Term Share Certificates
$0
4.08%
▲ 1.10% above South Carolina avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 1.10% above avgNationally 3.01%
Details
Balance: $100,001 and up
Rate History
No change since Sep 25, 2026 · 4.08% APY · checked 3 times
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6-12 Month IRA Certificate
$500
4.08%
▲ 1.10% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 1.10% above avgNationally 3.01%
Details
Rate History
1 change since Sep 25, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 13, 20264.08%▲ from 3.82%
- Sep 25, 20263.82%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6-12 Month Share Certificate
$500
4.08%
▲ 1.10% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 1.10% above avgNationally 3.01%
Details
Rate History
1 change since Sep 25, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 13, 20264.08%▲ from 3.82%
- Sep 25, 20263.82%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 12 Month Certificate
$500
4.06%
▲ 1.08% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 1.08% above avgNationally 3.01%
Details
Dividends compounded and credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 1.07% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.98%▲ 1.07% above avgNationally 3.01%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificates of Deposit
$500
4.05%
▲ 1.07% above South Carolina avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.98%▲ 1.07% above avgNationally 3.01%
Details
Balance: $50,000 - $99,999
Rate History
2 changes since Sep 8, 2026 · 3.51% → 4.05% ▲ 0.54 pts · high 4.05% / low 3.51%
- Oct 14, 20264.05%▲ from 3.75%
- Sep 18, 20263.75%▲ from 3.51%
- Sep 8, 20263.51%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month IRA Certificate
$0
4.05%
▲ 1.07% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 1.07% above avgNationally 3.01%
Details
IRA Certificate (Minimum Balances of $500); Penalties may apply for early withdrawals
Rate History
1 change since Sep 25, 2026 · 3.79% → 4.05% ▲ 0.26 pts · high 4.05% / low 3.79%
- Oct 4, 20264.05%▲ from 3.79%
- Sep 25, 20263.79%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Month Share Certificate
$500
4.05%
▲ 1.07% above South Carolina avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 1.07% above avgNationally 3.01%
Details
Share Certificate Accounts - Share; Effective October 14, 2026 through October 19, 2026; $500 minimum investment
Rate History
No change since Oct 15, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 1.02% above South Carolina avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.98%▲ 1.02% above avgNationally 3.01%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificates of Deposit
$500
4.00%
▲ 1.02% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.98%▲ 1.02% above avgNationally 3.01%
Details
Balance: LESS THAN $25,000
Rate History
3 changes since Sep 8, 2026 · 3.51% → 4.00% ▲ 0.49 pts · high 4.00% / low 3.51%
- Oct 14, 20264.00%▲ from 3.75%
- Sep 24, 20263.75%▲ from 3.70%
- Sep 18, 20263.70%▲ from 3.51%
- Sep 8, 20263.51%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month Share Certificates - Certificate
$0
4.00%
▲ 1.02% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 1.02% above avgNationally 3.01%
Details
Minimum balance $500; Rates effective October 1, 2026
Rate History
1 change since Sep 25, 2026 · 3.74% → 4.00% ▲ 0.26 pts · high 4.00% / low 3.74%
- Oct 4, 20264.00%▲ from 3.74%
- Sep 25, 20263.74%first recorded
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificate 12 Month Special
$0
4.00%
▲ 1.02% above South Carolina avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.98%▲ 1.02% above avgNationally 3.01%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term CD
$1,000
4.00%
▲ 1.02% above South Carolina avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.98%▲ 1.02% above avgNationally 3.01%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year
$1,000
4.00%
▲ 1.02% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.98%▲ 1.02% above avgNationally 3.01%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 12 Months
$0
3.92%
▲ 0.94% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.94% above avgNationally 3.01%
Details
Minimum to earn APY: $250,000
Rate History
No change since Oct 4, 2026 · 3.92% APY · checked 4 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month Certificate
$0
3.92%
▲ 0.94% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.94% above avgNationally 3.01%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month IRA Certificate
$0
3.92%
▲ 0.94% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.94% above avgNationally 3.01%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
12 Month IRA Certificate Accounts
$500
3.92%
▲ 0.94% above South Carolina avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.94% above avgNationally 3.01%
Details
Rate History
1 change since Sep 21, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
- Oct 15, 20263.92%▲ from 3.66%
- Sep 21, 20263.66%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
12 Month Share Certificate Account
$500
3.92%
▲ 0.94% above South Carolina avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.94% above avgNationally 3.01%
Details
Rate History
1 change since Sep 25, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
- Oct 15, 20263.92%▲ from 3.66%
- Sep 25, 20263.66%first recorded
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Certificate of Deposit - 12 month
$1,000
3.91%
▲ 0.93% above South Carolina avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.98%▲ 0.93% above avgNationally 3.01%
Details
Rates effective as of February 6, 2026; APY assumes no withdrawal before maturity; interest compounded quarterly
Rate History
No change since Sep 24, 2026 · 3.91% APY · checked 6 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year IRA Advantage Share Certificate
$1,000
3.90%
▲ 0.92% above South Carolina avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.92% above avgNationally 3.01%
Details
IRA certificate; Advantage Certificate pays a premium dividend; monthly dividend; Effective September 28, 2026
Rate History
No change since Oct 15, 2026 · 3.90% APY
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Loyalty Term Share Certificate
$0
3.90%
▲ 0.92% above South Carolina avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.92% above avgNationally 3.01%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Sep 29, 20263.90%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 12 Months
$0
3.87%
▲ 0.89% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.89% above avgNationally 3.01%
Details
Minimum to earn APY: $100,000
Rate History
No change since Oct 4, 2026 · 3.87% APY · checked 4 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month Certificate
$0
3.87%
▲ 0.89% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.89% above avgNationally 3.01%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 21, 2026 · 3.87% APY · checked 7 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month IRA Certificate
$0
3.87%
▲ 0.89% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.89% above avgNationally 3.01%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 21, 2026 · 3.87% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
12 Month Share Certificates Plus
$0
3.85%
▲ 0.87% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.87% above avgNationally 3.01%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 15, 20263.85%▲ from 3.55%
- Sep 14, 20263.55%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 12 Months
$0
3.85%
▲ 0.87% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.87% above avgNationally 3.01%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 3.85% APY
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 12 Months
$0
3.82%
▲ 0.84% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.84% above avgNationally 3.01%
Details
Minimum to earn APY: $500
Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 4 times
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
12 Month Term Share Certificates
$0
3.82%
▲ 0.84% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.84% above avgNationally 3.01%
Details
Balance: $50,001 to $100,000.99
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 3 times
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
12 Month IRA Share Certificate
$0
3.82%
▲ 0.84% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.84% above avgNationally 3.01%
Details
Features: $250 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 5, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month Certificate
$0
3.82%
▲ 0.84% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.84% above avgNationally 3.01%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 7 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month IRA Certificate
$0
3.82%
▲ 0.84% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.84% above avgNationally 3.01%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 7 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Certificate
$500
3.80%
▲ 0.82% above South Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.82% above avgNationally 3.01%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 4.06% / low 3.80%
- Oct 5, 20263.80%▼ from 4.06%
- Sep 21, 20264.06%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month SmartStart
$100
3.80%
▲ 0.82% above South Carolina avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.82% above avgNationally 3.01%
Details
SmartStart Certificate available to a minor, age 17 and under, with an owner who has reached the age of majority under state law; deposits can be made at any time; dividends compounded & credited quarterly; dividend period quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12 Month IRA Share Certificate
$0
3.80%
▲ 0.82% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.98%▲ 0.82% above avgNationally 3.01%
Details
Dividends paid quarterly for 12 - 36 month terms.
Rate History
No change since Sep 26, 2026 · 3.80% APY · checked 2 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12 Month Share Certificate
$0
3.80%
▲ 0.82% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.98%▲ 0.82% above avgNationally 3.01%
Details
Dividends paid quarterly for 12 - 36 month terms.
Rate History
1 change since Sep 22, 2026 · 3.64% → 3.80% ▲ 0.16 pts · high 3.80% / low 3.64%
- Oct 9, 20263.80%▲ from 3.64%
- Sep 22, 20263.64%first recorded
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month IRA Certificate
$0
3.75%
▲ 0.77% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.98%▲ 0.77% above avgNationally 3.01%
Details
Fixed rate
Rate History
1 change since Sep 24, 2026 · 3.51% → 3.75% ▲ 0.24 pts · high 3.75% / low 3.51%
- Oct 2, 20263.75%▲ from 3.51%
- Sep 24, 20263.51%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 12 Months - Preferred
$500
3.75%
▲ 0.77% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.98%▲ 0.77% above avgNationally 3.01%
Details
Preferred APY includes 0.35% premium; Direct Deposit and eStatements required to receive premium; Regular, IRA, or ESA certificate; Rates effective as of 10/14/2026
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
Elliott 18 Month CD Rates
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: 5.86%
18 Month Variable Rate IRA Certificate
$0
4.54%
▲ 1.93% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 1.93% above avgNationally 2.88%
Details
IRA; Variable rate; subject to change on the last Thursday of the month without prior notice; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.54% ▲ 0.47 pts · high 4.54% / low 4.07%
- Oct 5, 20264.54%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
18 Month Variable Rate Share Certificate
$0
4.54%
▲ 1.93% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 1.93% above avgNationally 2.88%
Details
Variable rate; subject to change on the last Thursday of the month without prior notice; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.54% ▲ 0.47 pts · high 4.54% / low 4.07%
- Oct 5, 20264.54%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD - Senior
$50,000
4.45%
▲ 1.84% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.61%▲ 1.84% above avgNationally 2.88%
Details
Senior rate
Rate History
No change since Oct 19, 2026 · 4.45% APY
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 18 Month Certificate
$500
4.40%
▲ 1.79% above South Carolina avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.61%▲ 1.79% above avgNationally 2.88%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.40% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD - Senior
$500
4.35%
▲ 1.74% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.61%▲ 1.74% above avgNationally 2.88%
Details
Senior rate
Rate History
No change since Oct 19, 2026 · 4.35% APY
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
18 Month IRA Share Certificate
$0
4.33%
▲ 1.72% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 1.72% above avgNationally 2.88%
Details
Features: $250 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 5, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.25%
▲ 1.64% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.61%▲ 1.64% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
18-Month CD
$1,000
4.20%
▲ 1.59% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 1.59% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1,000; valid for new clients or existing clients with a minimum of $25,000 in new money; early withdrawal penalty applies; APY accurate as of 09/24/2026; Open Online
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.54% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 1.54% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month IRA Traditional & Roth CD
$500
4.15%
▲ 1.54% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.61%▲ 1.54% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 13, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD
$500
4.15%
▲ 1.54% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.61%▲ 1.54% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 5, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.49% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 1.49% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Share Certificate Accounts - IRA & Jumbo
$0
4.02%
▲ 1.41% above South Carolina avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 1.41% above avgNationally 2.88%
Details
$500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum for jumbo certificates
Rate History
3 changes since Sep 14, 2026 · 3.67% → 4.02% ▲ 0.35 pts · high 4.02% / low 3.67%
- Oct 13, 20264.02%▲ from 3.87%
- Sep 25, 20263.87%▲ from 3.82%
- Sep 18, 20263.82%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Share Certificate
$500
3.90%
▲ 1.29% above South Carolina avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 1.29% above avgNationally 2.88%
Details
Share Certificate Accounts - Share; Effective October 14, 2026 through October 19, 2026; $500 minimum investment
Rate History
No change since Oct 15, 2026 · 3.90% APY
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificate 18 Month Special
$0
3.75%
▲ 1.14% above South Carolina avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.61%▲ 1.14% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
18 Month IRA Certificate
$0
3.71%
▲ 1.10% above South Carolina avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 1.10% above avgNationally 2.88%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 1.09% above South Carolina avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 1.09% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 18 Months
$0
3.66%
▲ 1.05% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 1.05% above avgNationally 2.88%
Details
Minimum to earn APY: $250,000
Rate History
No change since Oct 4, 2026 · 3.66% APY · checked 4 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
18 Month IRA Certificate
$0
3.66%
▲ 1.05% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 1.05% above avgNationally 2.88%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 21, 2026 · 3.66% APY · checked 7 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 18 Months
$0
3.61%
▲ 1.00% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 1.00% above avgNationally 2.88%
Details
Minimum to earn APY: $100,000
Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 4 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
18 Month IRA Certificate
$0
3.61%
▲ 1.00% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 1.00% above avgNationally 2.88%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 21, 2026 · 3.61% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates Plus
$0
3.60%
▲ 0.99% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.99% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44%
- Oct 15, 20263.60%▲ from 3.44%
- Sep 14, 20263.44%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 18 Months
$0
3.60%
▲ 0.99% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.99% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 3.60% APY
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
18 Month Share Certificate
$0
3.59%
▲ 0.98% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.61%▲ 0.98% above avgNationally 2.88%
Details
Dividends paid quarterly for 12 - 36 month terms.
Rate History
1 change since Sep 22, 2026 · 3.54% → 3.59% ▲ 0.05 pts · high 3.59% / low 3.54%
- Oct 9, 20263.59%▲ from 3.54%
- Sep 22, 20263.54%first recorded
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 18 Months
$0
3.56%
▲ 0.95% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.95% above avgNationally 2.88%
Details
Minimum to earn APY: $500
Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 4 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Jumbo Certificate - 18 Months
$100,000
3.55%
▲ 0.94% above South Carolina avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.94% above avgNationally 2.88%
Details
Jumbo certificate, minimum $100,000; Dividend rate column labeled 'DIVIDEND RATE APR'
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
18 Month IRA Share Certificate
$0
3.54%
▲ 0.93% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.61%▲ 0.93% above avgNationally 2.88%
Details
Dividends paid quarterly for 12 - 36 month terms.
Rate History
No change since Sep 26, 2026 · 3.54% APY · checked 2 times
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
18 Month Share Certificate
$0
3.54%
▲ 0.93% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.61%▲ 0.93% above avgNationally 2.88%
Details
Dividends paid quarterly for 12 - 36 month terms.
Rate History
No change since Sep 22, 2026 · 3.54% APY · checked 4 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 18 Months - Preferred
$500
3.50%
▲ 0.89% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.89% above avgNationally 2.88%
Details
Preferred APY includes 0.35% premium; Direct Deposit and eStatements required to receive premium; Regular, IRA, or ESA certificate; Rates effective as of 10/14/2026
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Share & IRA Certificates - 18 Month
$0
3.50%
▲ 0.89% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.89% above avgNationally 2.88%
Details
Dividend rate and APR shown in one column; minimum deposit: any denomination above $100; subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificate
$0
3.39%
▲ 0.78% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.78% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificate
Rate History
1 change since Oct 5, 2026 · 3.24% → 3.39% ▲ 0.15 pts · high 3.39% / low 3.24%
- Oct 15, 20263.39%▲ from 3.24%
- Oct 5, 20263.24%first recorded
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Certificate of Deposit - 18 Months
$0
3.34%
▲ 0.73% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.73% above avgNationally 2.88%
Details
Balance: $1,000 and over; CDs 1,000 and over
Rate History
No change since Oct 14, 2026 · 3.34% APY
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
IRA 18 Months Fixed
$0
3.34%
▲ 0.73% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.73% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.03% → 3.34% ▲ 0.31 pts · high 3.34% / low 3.03%
- Oct 2, 20263.34%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
IRA 18 Months Variable
$0
3.34%
▲ 0.73% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.73% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.03% → 3.34% ▲ 0.31 pts · high 3.34% / low 3.03%
- Oct 2, 20263.34%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
18 Month Term Share Certificates
$0
3.30%
▲ 0.69% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.69% above avgNationally 2.88%
Details
Balance: $100,001 and up
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Certificate
$100,000
3.25%
▲ 0.64% above South Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.64% above avgNationally 2.88%
Details
Balance: $100,000+
Rate History
No change since Oct 15, 2026 · 3.25% APY
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
18 Month IRA Certificate
$1,000
3.24%
▲ 0.63% above South Carolina avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.63% above avgNationally 2.88%
Details
Individual Retirement Account; available as 18-month CDs; rates effective as of February 6, 2026; APY assumes no withdrawal before maturity; interest compounded quarterly
Rate History
No change since Oct 8, 2026 · 3.24% APY · checked 3 times
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Certificate of Deposit - 18 month
$1,000
3.24%
▲ 0.63% above South Carolina avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.63% above avgNationally 2.88%
Details
Rates effective as of February 6, 2026; APY assumes no withdrawal before maturity; interest compounded quarterly
Rate History
No change since Sep 24, 2026 · 3.24% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
18 Month Term
$0
3.20%
▲ 0.59% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.59% above avgNationally 2.88%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificates of Deposit
$500
3.20%
▲ 0.59% above South Carolina avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.59% above avgNationally 2.88%
Details
Balance: $100,000 OR MORE
Rate History
No change since Sep 8, 2026 · 3.20% APY · checked 8 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month IRA Certificate
$0
3.20%
▲ 0.59% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.59% above avgNationally 2.88%
Details
Fixed rate
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 4 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
18 Month Term
$0
3.15%
▲ 0.54% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.54% above avgNationally 2.88%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 18 Months
$500
3.15%
▲ 0.54% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.54% above avgNationally 2.88%
Details
Regular, IRA, or ESA certificate; Base APY; Rates effective as of 10/14/2026; Dividends compounded daily and credited monthly
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 2 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Certificate
$50,000
3.15%
▲ 0.54% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.54% above avgNationally 2.88%
Details
Balance: $50,000+
Rate History
No change since Oct 15, 2026 · 3.15% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
18 Month Term
$0
3.10%
▲ 0.49% above South Carolina avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.49% above avgNationally 2.88%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificates of Deposit
$500
3.10%
▲ 0.49% above South Carolina avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.49% above avgNationally 2.88%
Details
Balance: $50,000 - $99,999
Rate History
No change since Sep 8, 2026 · 3.10% APY · checked 8 times
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Certificate
$1,000
3.10%
▲ 0.49% above South Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.49% above avgNationally 2.88%
Details
Balance: Up to $50,000
Rate History
No change since Oct 15, 2026 · 3.10% APY
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
18 Month Share Certificate
$0
3.09%
▲ 0.48% above South Carolina avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.61%▲ 0.48% above avgNationally 2.88%
Details
Min. Balance $500 Rate; Regular term certificates require $500.00 minimum
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 6 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificates of Deposit
$500
3.05%
▲ 0.44% above South Carolina avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.61%▲ 0.44% above avgNationally 2.88%
Details
Balance: $25,000 - $49,999
Rate History
No change since Sep 8, 2026 · 3.05% APY · checked 8 times
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
18 Month Term Share Certificates
$0
3.05%
▲ 0.44% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.61%▲ 0.44% above avgNationally 2.88%
Details
Balance: $50,001 to $100,000.99
Rate History
No change since Sep 25, 2026 · 3.05% APY · checked 3 times
Elliott 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Elite Jumbo CD
$250,000
4.45%
▲ 1.74% above South Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.71%▲ 1.74% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
- Oct 5, 20264.45%▲ from 4.10%
- Sep 21, 20264.10%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
13-24 Month IRA Certificate
$500
4.34%
▲ 1.63% above South Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.63% above avgNationally 2.90%
Details
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
13-24 Month Share Certificate
$500
4.34%
▲ 1.63% above South Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.63% above avgNationally 2.90%
Details
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Jumbo CD
$50,000
4.30%
▲ 1.59% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.71%▲ 1.59% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 5, 20264.30%▲ from 3.95%
- Sep 21, 20263.95%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 24 Month Certificate
$500
4.25%
▲ 1.54% above South Carolina avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.71%▲ 1.54% above avgNationally 2.90%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.25% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2 Year IRA Traditional & Roth CD
$500
4.20%
▲ 1.49% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.71%▲ 1.49% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 13, 20264.20%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Regular CD
$500
4.20%
▲ 1.49% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.71%▲ 1.49% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 5, 20264.20%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 24 Month Certificate
$500
4.11%
▲ 1.40% above South Carolina avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.40% above avgNationally 2.90%
Details
Dividends compounded and credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.11% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Month Share Certificate Accounts - IRA & Jumbo
$0
4.07%
▲ 1.36% above South Carolina avg
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.36% above avgNationally 2.90%
Details
$500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum for jumbo certificates
Rate History
3 changes since Sep 14, 2026 · 3.72% → 4.07% ▲ 0.35 pts · high 4.07% / low 3.72%
- Oct 13, 20264.07%▲ from 3.92%
- Sep 25, 20263.92%▲ from 3.87%
- Sep 18, 20263.87%▲ from 3.72%
- Sep 14, 20263.72%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
24 Month IRA Certificate Accounts
$500
4.07%
▲ 1.36% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.36% above avgNationally 2.90%
Details
Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 4 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
24 Month Share Certificate Account
$500
4.07%
▲ 1.36% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.36% above avgNationally 2.90%
Details
Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
24 Month Traditional Certificate
$500
4.00%
▲ 1.29% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.29% above avgNationally 2.90%
Details
Min. balance to earn APY: $500; Traditional IRA Certificates
Rate History
No change since Oct 15, 2026 · 4.00% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Certificates - 24 Month
$500
4.00%
▲ 1.29% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.29% above avgNationally 2.90%
Details
Min. balance to earn APY: $500
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Traditional IRA Certificates - 24 Month
$500
4.00%
▲ 1.29% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.29% above avgNationally 2.90%
Details
Min. balance to earn APY: $500
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Share Certificates - Jumbo Certificate
$0
3.96%
▲ 1.25% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.25% above avgNationally 2.90%
Details
Minimum balance $100,000; Rates effective October 1, 2026
Rate History
No change since Oct 15, 2026 · 3.96% APY
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Month Share Certificate
$500
3.95%
▲ 1.24% above South Carolina avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.24% above avgNationally 2.90%
Details
Share Certificate Accounts - Share; Effective October 14, 2026 through October 19, 2026; $500 minimum investment
Rate History
No change since Oct 15, 2026 · 3.95% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month IRA Certificate
$0
3.91%
▲ 1.20% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.20% above avgNationally 2.90%
Details
IRA Certificate (Minimum Balances of $500); Penalties may apply for early withdrawals
Rate History
No change since Sep 25, 2026 · 3.91% APY · checked 5 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Share Certificates - Certificate
$0
3.85%
▲ 1.14% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.14% above avgNationally 2.90%
Details
Minimum balance $500; Rates effective October 1, 2026
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 5 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
24 Month Certificate
$500
3.85%
▲ 1.14% above South Carolina avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.14% above avgNationally 2.90%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
1 change since Sep 14, 2026 · 4.11% → 3.85% ▼ 0.26 pts · high 4.11% / low 3.85%
- Oct 5, 20263.85%▼ from 4.11%
- Sep 14, 20264.11%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
24 Month IRA Share Certificate
$0
3.82%
▲ 1.11% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.11% above avgNationally 2.90%
Details
Features: $250 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66%
- Oct 5, 20263.82%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Executive IRA Certificate
$100,000
3.80%
▲ 1.09% above South Carolina avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.09% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional Executive IRA Certificate
$100,000
3.80%
▲ 1.09% above South Carolina avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 1.09% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.99% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.71%▲ 0.99% above avgNationally 2.90%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Premier IRA Certificate
$10,000
3.70%
▲ 0.99% above South Carolina avg
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.99% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional Premier IRA Certificate
$10,000
3.70%
▲ 0.99% above South Carolina avg
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.99% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.95% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.71%▲ 0.95% above avgNationally 2.90%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Share Certificates Plus
$0
3.65%
▲ 0.94% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.94% above avgNationally 2.90%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
1 change since Sep 14, 2026 · 3.34% → 3.65% ▲ 0.31 pts · high 3.65% / low 3.34%
- Oct 15, 20263.65%▲ from 3.34%
- Sep 14, 20263.34%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 24 Months
$0
3.65%
▲ 0.94% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.94% above avgNationally 2.90%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 3.65% APY
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 24 Months
$0
3.61%
▲ 0.90% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.90% above avgNationally 2.90%
Details
Minimum to earn APY: $250,000
Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.89% above South Carolina avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.71%▲ 0.89% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth IRA Certificate
$500
3.60%
▲ 0.89% above South Carolina avg
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.89% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional IRA Certificate
$500
3.60%
▲ 0.89% above South Carolina avg
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.89% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
24 Month Share Certificates
$250
3.60%
▲ 0.89% above South Carolina avg
▼
Rate3.55%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.89% above avgNationally 2.90%
Details
Minimum deposit $250.00; Dividends compounded quarterly; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 24 Months
$0
3.56%
▲ 0.85% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.85% above avgNationally 2.90%
Details
Minimum to earn APY: $100,000
Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 4 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
24 Month Certificate
$0
3.56%
▲ 0.85% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.85% above avgNationally 2.90%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 24 Months - Preferred
$500
3.55%
▲ 0.84% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.84% above avgNationally 2.90%
Details
Preferred APY includes 0.35% premium; Direct Deposit and eStatements required to receive premium; Regular, IRA, or ESA certificate; Rates effective as of 10/14/2026
Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Jumbo Certificate - 24 Months
$100,000
3.55%
▲ 0.84% above South Carolina avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.84% above avgNationally 2.90%
Details
Jumbo certificate, minimum $100,000; Dividend rate column labeled 'DIVIDEND RATE APR'
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 24 Months
$0
3.51%
▲ 0.80% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.80% above avgNationally 2.90%
Details
Minimum to earn APY: $500
Rate History
No change since Oct 4, 2026 · 3.51% APY · checked 4 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
24 Month Certificate
$0
3.51%
▲ 0.80% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.80% above avgNationally 2.90%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 21, 2026 · 3.51% APY · checked 7 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Share & IRA Certificates - 24 Months
$0
3.50%
▲ 0.79% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.79% above avgNationally 2.90%
Details
Dividend rate and APR shown in one column; minimum deposit: any denomination above $100; subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Year Loyalty Term Share Certificate
$0
3.50%
▲ 0.79% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.79% above avgNationally 2.90%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 29, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificate 24 Month
$0
3.50%
▲ 0.79% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.71%▲ 0.79% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
24 Month Certificate
$0
3.45%
▲ 0.74% above South Carolina avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.74% above avgNationally 2.90%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Sep 21, 2026 · 3.45% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Share Certificate
$0
3.44%
▲ 0.73% above South Carolina avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.73% above avgNationally 2.90%
Details
Quarterly Posted Dividend Certificate
Rate History
1 change since Oct 5, 2026 · 3.14% → 3.44% ▲ 0.30 pts · high 3.44% / low 3.14%
- Oct 15, 20263.44%▲ from 3.14%
- Oct 5, 20263.14%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Year Term Share Certificate
$0
3.35%
▲ 0.64% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.64% above avgNationally 2.90%
Details
Effective September 28, 2026
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
- Sep 29, 20263.35%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Certificate of Deposit - 24 Months
$0
3.34%
▲ 0.63% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.71%▲ 0.63% above avgNationally 2.90%
Details
Balance: $1,000 and over; CDs 1,000 and over
Rate History
No change since Oct 14, 2026 · 3.34% APY
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 24 Month Step Up
$0
3.30%
▲ 0.59% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.59% above avgNationally 2.90%
Details
Step Up; Minimum to earn APY: $250,000
Rate History
No change since Oct 15, 2026 · 3.30% APY
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
24 Month Term Share Certificates
$0
3.30%
▲ 0.59% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.71%▲ 0.59% above avgNationally 2.90%
Details
Balance: $100,001 and up
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
24 Month Term
$0
3.25%
▲ 0.54% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.71%▲ 0.54% above avgNationally 2.90%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 24 Month Term Certificate
$0
3.25%
▲ 0.54% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.71%▲ 0.54% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY
Elliott 36 Month CD Rates
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: 4.53%
36 Month Traditional Certificate
$500
5.00%
▲ 2.43% above South Carolina avg
▼
Rate4.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 2.43% above avgNationally 2.82%
Details
Min. balance to earn APY: $100,000; Traditional IRA Certificates
Rate History
No change since Oct 15, 2026 · 5.00% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Certificates - 36 Month
$500
5.00%
▲ 2.43% above South Carolina avg
▼
Rate4.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 2.43% above avgNationally 2.82%
Details
Min. balance to earn APY: $100,000; footnote 1 on term
Rate History
No change since Oct 13, 2026 · 5.00% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Traditional IRA Certificates - 36 Month
$500
5.00%
▲ 2.43% above South Carolina avg
▼
Rate4.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 2.43% above avgNationally 2.82%
Details
Min. balance to earn APY: $100,000
Rate History
1 change since Sep 14, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40%
- Oct 15, 20265.00%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
3 Year Share Certificates
$500
4.50%
▲ 1.93% above South Carolina avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.93% above avgNationally 2.82%
Details
Penalty applies to withdraw principal before maturity; dividends may be withdrawn at any time without penalty; dividends compounded and credited quarterly
Rate History
No change since Oct 15, 2026 · 4.50% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Elite Jumbo CD
$250,000
4.50%
▲ 1.93% above South Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.57%▲ 1.93% above avgNationally 2.82%
Details
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Jumbo CD
$50,000
4.35%
▲ 1.78% above South Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.57%▲ 1.78% above avgNationally 2.82%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
25-36 Month IRA Certificate
$500
4.34%
▲ 1.77% above South Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.77% above avgNationally 2.82%
Details
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
25-36 Month Share Certificate
$500
4.34%
▲ 1.77% above South Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.77% above avgNationally 2.82%
Details
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Month Traditional Certificate
$500
4.25%
▲ 1.68% above South Carolina avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.68% above avgNationally 2.82%
Details
Min. balance to earn APY: $20,000; Traditional IRA Certificates
Rate History
No change since Oct 15, 2026 · 4.25% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Certificates - 36 Month
$500
4.25%
▲ 1.68% above South Carolina avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.68% above avgNationally 2.82%
Details
Min. balance to earn APY: $20,000; footnote 1 on term
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Traditional IRA Certificates - 36 Month
$500
4.25%
▲ 1.68% above South Carolina avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.68% above avgNationally 2.82%
Details
Min. balance to earn APY: $20,000
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 15, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Year IRA Traditional & Roth CD
$500
4.25%
▲ 1.68% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.57%▲ 1.68% above avgNationally 2.82%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 13, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Regular CD
$500
4.25%
▲ 1.68% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.57%▲ 1.68% above avgNationally 2.82%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Month Share Certificate Accounts - IRA & Jumbo
$0
4.17%
▲ 1.60% above South Carolina avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.60% above avgNationally 2.82%
Details
$500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum for jumbo certificates
Rate History
3 changes since Sep 14, 2026 · 3.82% → 4.17% ▲ 0.35 pts · high 4.17% / low 3.82%
- Oct 13, 20264.17%▲ from 4.02%
- Sep 25, 20264.02%▲ from 3.97%
- Sep 18, 20263.97%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 36 Month Certificate
$500
4.16%
▲ 1.59% above South Carolina avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.59% above avgNationally 2.82%
Details
Dividends compounded and credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.16% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.58% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.57%▲ 1.58% above avgNationally 2.82%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.53% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.57%▲ 1.53% above avgNationally 2.82%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Month Share Certificate
$500
4.05%
▲ 1.48% above South Carolina avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.48% above avgNationally 2.82%
Details
Share Certificate Accounts - Share; Effective October 14, 2026 through October 19, 2026; $500 minimum investment
Rate History
No change since Oct 15, 2026 · 4.05% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Month Traditional Certificate
$500
4.00%
▲ 1.43% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.43% above avgNationally 2.82%
Details
Min. balance to earn APY: $500; Traditional IRA Certificates
Rate History
No change since Oct 15, 2026 · 4.00% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Certificates - 36 Month
$500
4.00%
▲ 1.43% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.43% above avgNationally 2.82%
Details
Min. balance to earn APY: $500; footnote 1 on term
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Traditional IRA Certificates - 36 Month
$500
4.00%
▲ 1.43% above South Carolina avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.43% above avgNationally 2.82%
Details
Min. balance to earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 15, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 36 Month Certificate
$500
4.00%
▲ 1.43% above South Carolina avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.57%▲ 1.43% above avgNationally 2.82%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.00% APY
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month Certificate
$500
3.91%
▲ 1.34% above South Carolina avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.34% above avgNationally 2.82%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
1 change since Sep 14, 2026 · 4.16% → 3.91% ▼ 0.25 pts · high 4.16% / low 3.91%
- Oct 5, 20263.91%▼ from 4.16%
- Sep 14, 20264.16%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
36 Month IRA Share Certificate
$0
3.87%
▲ 1.30% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.30% above avgNationally 2.82%
Details
Features: $250 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 3.71% → 3.87% ▲ 0.16 pts · high 3.87% / low 3.71%
- Oct 5, 20263.87%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
36 Month IRA Certificate Accounts
$500
3.82%
▲ 1.25% above South Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.25% above avgNationally 2.82%
Details
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 4 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
36 Month Share Certificate Account
$500
3.82%
▲ 1.25% above South Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.25% above avgNationally 2.82%
Details
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 2 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month Jumbo Certificate
$0
3.75%
▲ 1.18% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.18% above avgNationally 2.82%
Details
Share Certificates; Minimum Balances of $100,000
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificates Plus
$0
3.75%
▲ 1.18% above South Carolina avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.18% above avgNationally 2.82%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 36 Months
$0
3.75%
▲ 1.18% above South Carolina avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.18% above avgNationally 2.82%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 3.75% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month IRA Certificate
$0
3.70%
▲ 1.13% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.13% above avgNationally 2.82%
Details
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month Certificate
$0
3.65%
▲ 1.08% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 1.08% above avgNationally 2.82%
Details
Share Certificates; Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Jumbo Certificate - 36 Months
$100,000
3.55%
▲ 0.98% above South Carolina avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.98% above avgNationally 2.82%
Details
Jumbo certificate, minimum $100,000; Dividend rate column labeled 'DIVIDEND RATE APR'
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Roth Executive IRA Certificate
$100,000
3.55%
▲ 0.98% above South Carolina avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.98% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Traditional Executive IRA Certificate
$100,000
3.55%
▲ 0.98% above South Carolina avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.98% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificate
$0
3.55%
▲ 0.98% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.98% above avgNationally 2.82%
Details
Quarterly Posted Dividend Certificate
Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Share & IRA Certificates - 36 Months
$0
3.50%
▲ 0.93% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.93% above avgNationally 2.82%
Details
Dividend rate and APR shown in one column; minimum deposit: any denomination above $100; subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Roth Premier IRA Certificate
$10,000
3.45%
▲ 0.88% above South Carolina avg
▼
Rate3.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.88% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Traditional Premier IRA Certificate
$10,000
3.45%
▲ 0.88% above South Carolina avg
▼
Rate3.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.88% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 2 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 36 Months
$0
3.40%
▲ 0.83% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.83% above avgNationally 2.82%
Details
Minimum to earn APY: $250,000
Rate History
No change since Oct 4, 2026 · 3.40% APY · checked 4 times
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
36 Month Share Certificates
$250
3.39%
▲ 0.82% above South Carolina avg
▼
Rate3.35%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.82% above avgNationally 2.82%
Details
Minimum deposit $250.00; Dividends compounded quarterly; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 8 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 36 Months
$0
3.35%
▲ 0.78% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.78% above avgNationally 2.82%
Details
Minimum to earn APY: $100,000
Rate History
No change since Oct 4, 2026 · 3.35% APY · checked 4 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Roth IRA Certificate
$500
3.35%
▲ 0.78% above South Carolina avg
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.78% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Traditional IRA Certificate
$500
3.35%
▲ 0.78% above South Carolina avg
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.78% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Certificate of Deposit - 36 Months
$0
3.34%
▲ 0.77% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.57%▲ 0.77% above avgNationally 2.82%
Details
Balance: $1,000 and over; CDs 1,000 and over
Rate History
No change since Oct 14, 2026 · 3.34% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
36 Month Term
$0
3.30%
▲ 0.73% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.57%▲ 0.73% above avgNationally 2.82%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 36 Month Term Certificate
$0
3.30%
▲ 0.73% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.57%▲ 0.73% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.30% APY
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 36 Months
$0
3.30%
▲ 0.73% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.73% above avgNationally 2.82%
Details
Minimum to earn APY: $500
Rate History
No change since Oct 4, 2026 · 3.30% APY · checked 4 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
36 Month Term
$0
3.25%
▲ 0.68% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.57%▲ 0.68% above avgNationally 2.82%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 36 Month Term Certificate
$0
3.25%
▲ 0.68% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.57%▲ 0.68% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 36 Months - Preferred
$500
3.25%
▲ 0.68% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.57%▲ 0.68% above avgNationally 2.82%
Details
Preferred APY includes 0.35% premium; Direct Deposit and eStatements required to receive premium; Regular, IRA, or ESA certificate; Rates effective as of 10/14/2026
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
Elliott 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Elite Jumbo CD
$250,000
4.75%
▲ 2.08% above South Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.67%▲ 2.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month Traditional Certificate
$500
4.40%
▲ 1.73% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.73% above avgNationally 2.81%
Details
Min. balance to earn APY: $100,000; Traditional IRA Certificates
Rate History
No change since Oct 15, 2026 · 4.40% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Certificates - 48 Month
$500
4.40%
▲ 1.73% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.73% above avgNationally 2.81%
Details
Min. balance to earn APY: $100,000
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Traditional IRA Certificates - 48 Month
$500
4.40%
▲ 1.73% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.73% above avgNationally 2.81%
Details
Min. balance to earn APY: $100,000
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Share Certificate Accounts - IRA & Jumbo
$0
4.22%
▲ 1.55% above South Carolina avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.55% above avgNationally 2.81%
Details
$500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum for jumbo certificates
Rate History
3 changes since Sep 14, 2026 · 3.87% → 4.22% ▲ 0.35 pts · high 4.22% / low 3.87%
- Oct 13, 20264.22%▲ from 4.07%
- Sep 25, 20264.07%▲ from 4.02%
- Sep 18, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 48 Month Certificate
$500
4.22%
▲ 1.55% above South Carolina avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.55% above avgNationally 2.81%
Details
Dividends compounded and credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.22% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month Traditional Certificate
$500
4.20%
▲ 1.53% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.53% above avgNationally 2.81%
Details
Min. balance to earn APY: $20,000; Traditional IRA Certificates
Rate History
No change since Oct 15, 2026 · 4.20% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Certificates - 48 Month
$500
4.20%
▲ 1.53% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.53% above avgNationally 2.81%
Details
Min. balance to earn APY: $20,000
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Traditional IRA Certificates - 48 Month
$500
4.20%
▲ 1.53% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.53% above avgNationally 2.81%
Details
Min. balance to earn APY: $20,000
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Regular CD
$500
4.20%
▲ 1.53% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.67%▲ 1.53% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 5, 20264.20%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Share Certificate
$500
4.10%
▲ 1.43% above South Carolina avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.43% above avgNationally 2.81%
Details
Share Certificate Accounts - Share; Effective October 14, 2026 through October 19, 2026; $500 minimum investment
Rate History
No change since Oct 15, 2026 · 4.10% APY
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Certificate of Deposit - 48 month
$1,000
4.06%
▲ 1.39% above South Carolina avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.67%▲ 1.39% above avgNationally 2.81%
Details
Rates effective as of February 6, 2026; APY assumes no withdrawal before maturity; interest compounded quarterly
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 6 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month Certificate
$500
3.96%
▲ 1.29% above South Carolina avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.29% above avgNationally 2.81%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
1 change since Sep 14, 2026 · 4.22% → 3.96% ▼ 0.26 pts · high 4.22% / low 3.96%
- Oct 5, 20263.96%▼ from 4.22%
- Sep 14, 20264.22%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
48 Month IRA Share Certificate
$0
3.92%
▲ 1.25% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.25% above avgNationally 2.81%
Details
Features: $250 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
- Oct 5, 20263.92%▲ from 3.76%
- Sep 14, 20263.76%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates Plus
$0
3.85%
▲ 1.18% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.18% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 48 Months
$0
3.85%
▲ 1.18% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.18% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 3.85% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Jumbo Certificate
$0
3.75%
▲ 1.08% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.08% above avgNationally 2.81%
Details
Share Certificates; Minimum Balances of $100,000
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month Traditional Certificate
$500
3.75%
▲ 1.08% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.08% above avgNationally 2.81%
Details
Min. balance to earn APY: $500; Traditional IRA Certificates
Rate History
No change since Oct 15, 2026 · 3.75% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Certificates - 48 Month
$500
3.75%
▲ 1.08% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.08% above avgNationally 2.81%
Details
Min. balance to earn APY: $500
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Traditional IRA Certificates - 48 Month
$500
3.75%
▲ 1.08% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.08% above avgNationally 2.81%
Details
Min. balance to earn APY: $500
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 48 Month Certificate
$500
3.75%
▲ 1.08% above South Carolina avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.67%▲ 1.08% above avgNationally 2.81%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 3.75% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month IRA Certificate
$0
3.70%
▲ 1.03% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 1.03% above avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Certificate
$0
3.65%
▲ 0.98% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.98% above avgNationally 2.81%
Details
Share Certificates; Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificate
$0
3.65%
▲ 0.98% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.98% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificate
Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Jumbo Certificate - 48 Months
$100,000
3.55%
▲ 0.88% above South Carolina avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.88% above avgNationally 2.81%
Details
Jumbo certificate, minimum $100,000; Dividend rate column labeled 'DIVIDEND RATE APR'
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
48 Month IRA Certificate Accounts
$500
3.51%
▲ 0.84% above South Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.84% above avgNationally 2.81%
Details
Rate History
No change since Sep 21, 2026 · 3.51% APY · checked 4 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
48 Month Share Certificate Account
$500
3.51%
▲ 0.84% above South Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.84% above avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 3.51% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Share & IRA Certificates - 48 Months
$0
3.50%
▲ 0.83% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.83% above avgNationally 2.81%
Details
Dividend rate and APR shown in one column; minimum deposit: any denomination above $100; subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.35%
▲ 0.68% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.67%▲ 0.68% above avgNationally 2.81%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 48 Months - Preferred
$500
3.35%
▲ 0.68% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.68% above avgNationally 2.81%
Details
Preferred APY includes 0.35% premium; Direct Deposit and eStatements required to receive premium; Regular, IRA, or ESA certificate; Rates effective as of 10/14/2026
Rate History
No change since Oct 12, 2026 · 3.35% APY · checked 2 times
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
48 Month Share Certificate
$0
3.35%
▲ 0.68% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.67%▲ 0.68% above avgNationally 2.81%
Details
Min. Balance $500 Rate; Regular term certificates require $500.00 minimum
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Certificate of Deposit - 48 Months
$0
3.34%
▲ 0.67% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.67%▲ 0.67% above avgNationally 2.81%
Details
Balance: $1,000 and over; CDs 1,000 and over
Rate History
No change since Oct 14, 2026 · 3.34% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.30%
▲ 0.63% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.67%▲ 0.63% above avgNationally 2.81%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4 Year Loyalty Term Share Certificate
$0
3.30%
▲ 0.63% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.63% above avgNationally 2.81%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.25%
▲ 0.58% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.67%▲ 0.58% above avgNationally 2.81%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.19%
▲ 0.52% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.67%▲ 0.52% above avgNationally 2.81%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 7 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 48 Months
$0
3.14%
▲ 0.47% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.47% above avgNationally 2.81%
Details
Minimum to earn APY: $250,000
Rate History
No change since Oct 4, 2026 · 3.14% APY · checked 4 times
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
48 Month Share Certificates
$250
3.14%
▲ 0.47% above South Carolina avg
▼
Rate3.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.47% above avgNationally 2.81%
Details
Minimum deposit $250.00; Dividends compounded quarterly; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 8 times
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
4 Year Share Certificate JUMBO
$50,000
3.10%
▲ 0.43% above South Carolina avg
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.43% above avgNationally 2.81%
Details
Jumbo
Rate History
1 change since Sep 12, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85%
- Sep 25, 20263.10%▲ from 2.85%
- Sep 12, 20262.85%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4 Year Term Share Certificate
$0
3.10%
▲ 0.43% above South Carolina avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.43% above avgNationally 2.81%
Details
Effective September 28, 2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 48 Months
$0
3.09%
▲ 0.42% above South Carolina avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.42% above avgNationally 2.81%
Details
Minimum to earn APY: $100,000
Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 4 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 48 Months
$0
3.04%
▲ 0.37% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.37% above avgNationally 2.81%
Details
Minimum to earn APY: $500
Rate History
No change since Oct 4, 2026 · 3.04% APY · checked 4 times
Santee Cooper Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
48 Month Share Certificates/IRA
$0
3.03%
▲ 0.36% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.67%▲ 0.36% above avgNationally 2.81%
Details
Compounded Quarterly; Members 55 years old and over can add an additional 15 basis points to the stated rate. Restrictions do apply.
Rate History
No change since Oct 19, 2026 · 3.03% APY
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificates of Deposit
$500
3.00%
▲ 0.33% above South Carolina avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.67%▲ 0.33% above avgNationally 2.81%
Details
Balance: $100,000 OR MORE
Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 8 times
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate - 48 Months
$0
3.00%
▲ 0.33% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.33% above avgNationally 2.81%
Details
Balance: $500 minimum to earn APY
Rate History
1 change since Oct 4, 2026 · 3.04% → 3.00% ▼ 0.04 pts · high 3.04% / low 3.00%
- Oct 15, 20263.00%▼ from 3.04%
- Oct 4, 20263.04%first recorded
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
4 Year Share Certificate
$500
3.00%
▲ 0.33% above South Carolina avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.33% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
- Sep 25, 20263.00%▲ from 2.75%
- Sep 12, 20262.75%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 48 Months
$500
3.00%
▲ 0.33% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.33% above avgNationally 2.81%
Details
Regular, IRA, or ESA certificate; Base APY; Rates effective as of 10/14/2026; Dividends compounded daily and credited monthly
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
Certificate 48 Months
$500
3.00%
▲ 0.33% above South Carolina avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.67%▲ 0.33% above avgNationally 2.81%
Details
Certificates ($500+ Balance); Penalties may apply for early withdrawal; Minimum deposit of $500 required
Rate History
No change since Oct 15, 2026 · 3.00% APY
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificates of Deposit
$500
2.90%
▲ 0.23% above South Carolina avg
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.67%▲ 0.23% above avgNationally 2.81%
Details
Balance: $50,000 - $99,999
Rate History
No change since Sep 8, 2026 · 2.90% APY · checked 8 times
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificates of Deposit
$500
2.85%
▲ 0.18% above South Carolina avg
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.67%▲ 0.18% above avgNationally 2.81%
Details
Balance: $25,000 - $49,999
Rate History
No change since Sep 8, 2026 · 2.85% APY · checked 8 times
Elliott 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.90% above South Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.85%▲ 1.90% above avgNationally 2.93%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Executive IRA Certificate
$100,000
4.60%
▲ 1.75% above South Carolina avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.75% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth IRA Certificate
$500
4.60%
▲ 1.75% above South Carolina avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.75% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Premier IRA Certificate
$10,000
4.60%
▲ 1.75% above South Carolina avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.75% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Executive IRA Certificate
$100,000
4.60%
▲ 1.75% above South Carolina avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.75% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional IRA Certificate
$500
4.60%
▲ 1.75% above South Carolina avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.75% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Premier IRA Certificate
$10,000
4.60%
▲ 1.75% above South Carolina avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.75% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5 Year IRA Traditional & Roth CD
$500
4.50%
▲ 1.65% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.85%▲ 1.65% above avgNationally 2.93%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 13, 20264.50%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Regular CD
$500
4.50%
▲ 1.65% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.85%▲ 1.65% above avgNationally 2.93%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 5, 20264.50%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month Traditional Certificate
$500
4.40%
▲ 1.55% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.55% above avgNationally 2.93%
Details
Min. balance to earn APY: $100,000; Traditional IRA Certificates
Rate History
No change since Oct 15, 2026 · 4.40% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Certificates - 60 Month
$500
4.40%
▲ 1.55% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.55% above avgNationally 2.93%
Details
Min. balance to earn APY: $100,000
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Traditional IRA Certificates - 60 Month
$500
4.40%
▲ 1.55% above South Carolina avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.55% above avgNationally 2.93%
Details
Min. balance to earn APY: $100,000
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Month Share Certificate Accounts - IRA & Jumbo
$0
4.32%
▲ 1.47% above South Carolina avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.47% above avgNationally 2.93%
Details
$500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum for jumbo certificates
Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.32% ▲ 0.35 pts · high 4.32% / low 3.97%
- Oct 13, 20264.32%▲ from 4.17%
- Sep 25, 20264.17%▲ from 4.12%
- Sep 18, 20264.12%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 60 Month Certificate
$500
4.27%
▲ 1.42% above South Carolina avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.42% above avgNationally 2.93%
Details
Dividends compounded and credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.27% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month Traditional Certificate
$500
4.20%
▲ 1.35% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.35% above avgNationally 2.93%
Details
Min. balance to earn APY: $20,000; Traditional IRA Certificates
Rate History
No change since Oct 15, 2026 · 4.20% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Certificates - 60 Month
$500
4.20%
▲ 1.35% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.35% above avgNationally 2.93%
Details
Min. balance to earn APY: $20,000
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Traditional IRA Certificates - 60 Month
$500
4.20%
▲ 1.35% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.35% above avgNationally 2.93%
Details
Min. balance to earn APY: $20,000
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Month Share Certificate
$500
4.20%
▲ 1.35% above South Carolina avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.35% above avgNationally 2.93%
Details
Share Certificate Accounts - Share; Effective October 14, 2026 through October 19, 2026; $500 minimum investment
Rate History
No change since Oct 15, 2026 · 4.20% APY
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month Certificate Account
$0
4.02%
▲ 1.17% above South Carolina avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.17% above avgNationally 2.93%
Details
Balance: $100,000+
Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 3 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month IRA Certificate Account
$0
4.02%
▲ 1.17% above South Carolina avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.17% above avgNationally 2.93%
Details
Balance: $100,000+
Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 5 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates Plus
$0
4.01%
▲ 1.16% above South Carolina avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.16% above avgNationally 2.93%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 8 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificates - 60 Months
$0
4.01%
▲ 1.16% above South Carolina avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.16% above avgNationally 2.93%
Details
Quarterly Posted Dividend Certificate; Minimum Balance $10,000
Rate History
No change since Oct 15, 2026 · 4.01% APY
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
60 Month Certificate
$500
4.01%
▲ 1.16% above South Carolina avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.16% above avgNationally 2.93%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
1 change since Sep 14, 2026 · 4.27% → 4.01% ▼ 0.26 pts · high 4.27% / low 4.01%
- Oct 5, 20264.01%▼ from 4.27%
- Sep 14, 20264.27%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
60 Month IRA Share Certificate
$0
3.97%
▲ 1.12% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.12% above avgNationally 2.93%
Details
Features: $250 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82%
- Oct 5, 20263.97%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month Certificate Account
$0
3.92%
▲ 1.07% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.07% above avgNationally 2.93%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 17, 2026 · 3.92% APY · checked 3 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month IRA Certificate Account
$0
3.92%
▲ 1.07% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.07% above avgNationally 2.93%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 17, 2026 · 3.92% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 1.05% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.85%▲ 1.05% above avgNationally 2.93%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 1.00% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.85%▲ 1.00% above avgNationally 2.93%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month Jumbo Certificate
$0
3.85%
▲ 1.00% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 1.00% above avgNationally 2.93%
Details
Share Certificates; Minimum Balances of $100,000
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month IRA Certificate
$0
3.80%
▲ 0.95% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.95% above avgNationally 2.93%
Details
Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 4 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificate
$0
3.80%
▲ 0.95% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.95% above avgNationally 2.93%
Details
Quarterly Posted Dividend Certificate
Rate History
No change since Oct 5, 2026 · 3.80% APY · checked 3 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month Certificate
$0
3.75%
▲ 0.90% above South Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.90% above avgNationally 2.93%
Details
Share Certificates; Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month Traditional Certificate
$500
3.75%
▲ 0.90% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.90% above avgNationally 2.93%
Details
Min. balance to earn APY: $500; Traditional IRA Certificates
Rate History
No change since Oct 15, 2026 · 3.75% APY
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Certificates - 60 Month
$500
3.75%
▲ 0.90% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.90% above avgNationally 2.93%
Details
Min. balance to earn APY: $500
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Traditional IRA Certificates - 60 Month
$500
3.75%
▲ 0.90% above South Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.90% above avgNationally 2.93%
Details
Min. balance to earn APY: $500
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Jumbo Certificate - 60 Months
$100,000
3.55%
▲ 0.70% above South Carolina avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.70% above avgNationally 2.93%
Details
Jumbo certificate, minimum $100,000; Dividend rate column labeled 'DIVIDEND RATE APR'
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
Share & IRA Certificates - 60 Months
$0
3.50%
▲ 0.65% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.65% above avgNationally 2.93%
Details
Dividend rate and APR shown in one column; minimum deposit: any denomination above $100; subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 60 Month Certificate
$500
3.50%
▲ 0.65% above South Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.85%▲ 0.65% above avgNationally 2.93%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 3.50% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 60 Months - Preferred
$500
3.45%
▲ 0.60% above South Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.60% above avgNationally 2.93%
Details
Preferred APY includes 0.35% premium; Direct Deposit and eStatements required to receive premium; Regular, IRA, or ESA certificate; Rates effective as of 10/14/2026
Rate History
No change since Oct 12, 2026 · 3.45% APY · checked 2 times
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
60 Month Share Certificate
$0
3.45%
▲ 0.60% above South Carolina avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Carolina Average2.85%▲ 0.60% above avgNationally 2.93%
Details
Min. Balance $500 Rate; Regular term certificates require $500.00 minimum
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
60 Month Term
$0
3.40%
▲ 0.55% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.85%▲ 0.55% above avgNationally 2.93%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year IRA Advantage Share Certificate
$1,000
3.40%
▲ 0.55% above South Carolina avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.55% above avgNationally 2.93%
Details
IRA certificate; Advantage Certificate pays a premium dividend; monthly dividend; Effective September 28, 2026
Rate History
No change since Oct 15, 2026 · 3.40% APY
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year Loyalty Term Share Certificate
$0
3.40%
▲ 0.55% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.55% above avgNationally 2.93%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
60 Month Term
$0
3.35%
▲ 0.50% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.85%▲ 0.50% above avgNationally 2.93%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Certificate of Deposit - 60 Months
$0
3.34%
▲ 0.49% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.85%▲ 0.49% above avgNationally 2.93%
Details
Balance: $1,000 and over; CDs 1,000 and over
Rate History
No change since Oct 14, 2026 · 3.34% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
60 Month Term
$0
3.30%
▲ 0.45% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.85%▲ 0.45% above avgNationally 2.93%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
5 Year Share Certificates
$500
3.29%
▲ 0.44% above South Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.44% above avgNationally 2.93%
Details
Penalty applies to withdraw principal before maturity; dividends may be withdrawn at any time without penalty; dividends compounded and credited quarterly
Rate History
No change since Oct 12, 2026 · 3.29% APY · checked 3 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
60 Month Term
$0
3.24%
▲ 0.39% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Carolina Average2.85%▲ 0.39% above avgNationally 2.93%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.24% APY · checked 7 times
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
5 Year Share Certificate JUMBO
$50,000
3.20%
▲ 0.35% above South Carolina avg
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.35% above avgNationally 2.93%
Details
Jumbo
Rate History
1 change since Sep 12, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
- Sep 25, 20263.20%▲ from 3.10%
- Sep 12, 20263.10%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year Term Share Certificate
$0
3.15%
▲ 0.30% above South Carolina avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
South Carolina Average2.85%▲ 0.30% above avgNationally 2.93%
Details
Effective September 28, 2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Elliott, SC CD Rate Trends
Compare local Elliott, 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.
12-Month CD SC Avg
2.978%
▼ 0.037 vs 7 days ago
South Carolina 12-month CD rates fell 0.037 points over the past 7 days to 2.978% APY.
6-Month CD SC Avg
2.580%
▲ 0.033 vs 7 days ago
South Carolina 6-month CD rates rose 0.033 points over the past 7 days to 2.580% APY.
As of Oct 19, 2026 • Rate data sourced from 8,500+ monitored institutions
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SC CD Rate Forecast, Next 12 Months
Where are South Carolina CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
SC 12-Month Avg APY
2.978%
6-Month Forecast
2.978%
Range: 2.78%, 3.13%
12-Month Forecast
3.228%
Range: 3.03%, 3.38%
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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 | 1.472% | $73.62 | $147.24 | $368.10 | $736.20 |
| 6-Month CD | 2.580% | $128.98 | $257.96 | $644.90 | $1,289.80 |
| 12-Month CD | 2.978% | $148.92 | $297.84 | $744.60 | $1,489.20 |
| 18-Month CD | 2.611% | $130.57 | $261.14 | $652.85 | $1,305.70 |
| 24-Month CD | 2.705% | $135.26 | $270.52 | $676.30 | $1,352.60 |
| 36-Month CD | 2.572% | $128.62 | $257.24 | $643.10 | $1,286.20 |
| 48-Month CD | 2.668% | $133.38 | $266.75 | $666.88 | $1,333.75 |
| 60-Month CD | 2.848% | $142.40 | $284.80 | $712.00 | $1,424.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026. | |||||
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Sample CD Ladder for Elliott, South Carolina Savers
$25,000 split equally across 5 terms using today’s South Carolina average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | SC Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.472% | $73.62 |
| 2 | 6-Month CD | $5,000 | 2.580% | $128.98 |
| 3 | 12-Month CD | $5,000 | 2.978% | $148.92 |
| 4 | 24-Month CD | $5,000 | 2.705% | $135.26 |
| 5 | 36-Month CD | $5,000 | 2.572% | $128.62 |
| Total ($25,000 invested) | $25,000 | 2.462% blended | $615.40/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.
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761
CD Rates
Tracked in Elliott, South Carolina
Tracked in Elliott, South Carolina
19 Banks
39 Credit Unions
About Our Elliott, South Carolina CD Rate Database
MonitorBankRates tracks 761 CD rates from 19 banks and 39 credit unions with locations in Elliott, 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 to 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: Truliant Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Elliott, South Carolina.
How to Find the Best CD Rates in Elliott, South Carolina
What to compare when shopping for a CD in Elliott, South Carolina
To find the best APYs in Elliott, South Carolina, start with credit unions and online-only banks: Elliott, South Carolina has 39 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 Elliott, 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 Elliott, South Carolina: 58 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Elliott, South Carolina savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Elliott, South Carolina money market rates
South Carolina Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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
$124/yr
At SC 12-mo avg 2.978% 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 2.978%, saving 10% of the local median salary ($4,152/year) and putting it in a CD would earn an additional $124 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 Elliott, 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 to 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 Elliott, 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 Elliott, 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 Elliott, South Carolina as everywhere in the U.S.
Choosing a CD Term in Elliott, 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 Elliott, South Carolina savers easier access to their funds. For example, Greenville Heritage Federal Credit Union is offering its 6 Month Term Share Certificates at 4.34% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Skyla Federal Credit Union is offering its 60 Month Elite Jumbo CD at 4.75% 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 Elliott, 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 Elliott, 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 Elliott, 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 Elliott, 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 Elliott, South Carolina
Most CDs carry a fixed rate that is locked for the entire term, protecting a Elliott, 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 Elliott, South Carolina
Are CD rates in Elliott, South Carolina FDIC insured?
Yes, most established banks in Elliott, 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 Elliott, 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 Elliott, 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 Elliott, 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 Elliott, South Carolina?
Here are recent top rates found for this area:
- Truliant Federal Credit Union: 5.00% APY (Limited-Time 12 Month Term)
- Family Trust Federal Credit Union: 5.00% APY (36 Month Traditional Certificate)
- Skyla Federal Credit Union: 4.75% APY (48 Month Elite Jumbo CD)
- Honda Federal Credit Union: 4.60% APY (5 Year Roth Executive IRA Certificate)
- Carolina Trust Federal Credit Union: 4.54% APY (18 Month Variable Rate IRA Certificate)
- Ukrainian Federal Credit Union: 4.50% APY (3 Year Share Certificates)
- Empeople Credit Union: 4.40% APY (IRA/HSA & Share Certificates - 18 Month Certificate)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Greenville Heritage Federal Credit Union: 4.34% APY (6 Month Term Share Certificates)
- Duke University Federal Credit Union: 4.34% APY (13-24 Month IRA Certificate)
Rates reflect recent verified offers available in Elliott, South Carolina. Last Updated: October 19, 2026
Elliott, 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 Elliott, 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 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Elliott, South Carolina
Elliott, South Carolina CD Calculator
At today’s SC top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Elliott, South Carolina CD LadderSC CD rates currently range from 1.472% (3-month) to 2.572% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Elliott, South Carolina CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsSouth Carolina’s average 12-month CD is 2.978% 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 Elliott, 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 Elliott, 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 Elliott, 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: October 19, 2026
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