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CD Rate Trends

Lincolnville, South Carolina Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

Lincolnville, 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 12, 2026. Current Lincolnville, 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 (new external funds required) 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 Certificates 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, 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, and Empeople Credit UnionEmpeople Credit UnionA+5.0 ★Texas Ratio: 5.75%Real return: +1.60%APY minus CPI (February 2026) offering 18 Month Certificate at 4.40% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Lincolnville is a smaller community with no bank or credit union branches currently in our database. 689 institutions serving the South Carolina area are available to Lincolnville 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 12, 2026

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

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

Lincolnville 3 Month CD Rates

South Carolina 3 Month CD Average1.59% APYNational 2.10%▲ 0.10% from last week
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%
3 Month Certificate
$5,000
3.75% ▲ 2.16% above South Carolina avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average1.59%▲ 2.16% above avgNationally 2.10%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificates - 3 Month
$0
3.50% ▲ 1.91% above South Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average1.59%▲ 1.91% above avgNationally 2.10%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 12, 2026
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
3 Month Three Month Term Share Certificate
$0
2.99% ▲ 1.40% above South Carolina avg
View
▼
Rate2.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▲ 1.40% above avgNationally 2.10%
Details

Rate History
No change since Oct 5, 2026 · 2.99% APY · checked 2 times
2.49%2.99%3.49%Oct 5, 2026: 2.99% APYOct 5, 2026Oct 12, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3 Month Certificate
$0
2.94% ▲ 1.35% above South Carolina avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 1.35% above avgNationally 2.10%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 12, 2026
Santee Cooper Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month Share Certificate
$500
2.63% ▲ 1.04% above South Carolina avg
View
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▲ 1.04% above avgNationally 2.10%
Details

Rate History
No change since Oct 9, 2026 · 2.63% APY
2.13%2.63%3.13%Oct 9, 2026: 2.63% APYOct 9, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.50% ▲ 0.91% above South Carolina avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.91% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term
$0
2.50% ▲ 0.91% above South Carolina avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.91% above avgNationally 2.10%
Details

Balance: $100,000+

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month IRA Plus Certificates
$0
2.47% ▲ 0.88% above South Carolina avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▲ 0.88% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates Plus
$0
2.47% ▲ 0.88% above South Carolina avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▲ 0.88% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.45% ▲ 0.86% above South Carolina avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.86% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term
$0
2.45% ▲ 0.86% above South Carolina avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.86% above avgNationally 2.10%
Details

Balance: $25,000 - $99,999

Rate History
No change since Sep 24, 2026 · 2.45% APY · checked 5 times
1.95%2.45%2.95%Sep 24, 2026: 2.45% APYSep 24, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.40% ▲ 0.81% above South Carolina avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.81% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 6 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term
$0
2.40% ▲ 0.81% above South Carolina avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.81% above avgNationally 2.10%
Details

Balance: $5,000 - $24,999

Rate History
No change since Sep 24, 2026 · 2.40% APY · checked 5 times
1.90%2.40%2.90%Sep 24, 2026: 2.40% APYSep 24, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.34% ▲ 0.75% above South Carolina avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.75% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 6 times
1.84%2.34%2.84%Sep 18, 2026: 2.34% APYSep 18, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term
$0
2.34% ▲ 0.75% above South Carolina avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.75% above avgNationally 2.10%
Details

Balance: $250 - $4,999

Rate History
No change since Sep 24, 2026 · 2.34% APY · checked 5 times
1.84%2.34%2.84%Sep 24, 2026: 2.34% APYSep 24, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month IRA Certificate
$0
2.27% ▲ 0.68% above South Carolina avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▲ 0.68% above avgNationally 2.10%
Details

Rate History
No change since Oct 5, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 5, 2026: 2.27% APYOct 5, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificate
$0
2.27% ▲ 0.68% above South Carolina avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▲ 0.68% above avgNationally 2.10%
Details

Rate History
No change since Oct 5, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 5, 2026: 2.27% APYOct 5, 2026Oct 12, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Months Certificate
$0
2.25% ▲ 0.66% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average1.59%▲ 0.66% above avgNationally 2.10%
Details

Preferred APY: 2.60%

Rate History
No change since Sep 12, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 12, 2026: 2.25% APYSep 12, 2026Oct 12, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00% ▲ 0.41% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▲ 0.41% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 12, 2026
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
90 Day Share Certificates
$500
1.51% ▼ 0.08% below South Carolina avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.08% below avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 12, 2026
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3 Month Certificate of Deposit Accounts
$0
1.50% ▼ 0.09% below South Carolina avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average1.59%▼ 0.09% below avgNationally 2.10%
Details

Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 28, 2026: 1.50% APYSep 28, 2026Oct 12, 2026
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Certificate of Deposit Accounts Balances Greater than - 3 Months
$0
1.50% ▼ 0.09% below South Carolina avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average1.59%▼ 0.09% below avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 12, 2026
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3 Month Certificate
$500
1.50% ▼ 0.09% below South Carolina avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average1.59%▼ 0.09% below avgNationally 2.10%
Details

Rate History
No change since Sep 12, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 12, 2026: 1.50% APYSep 12, 2026Oct 12, 2026
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3 Month Share Certificate
$0
1.26% ▼ 0.33% below South Carolina avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.33% below avgNationally 2.10%
Details

+50k

Rate History
2 changes since Sep 22, 2026 · 1.26% → 1.26% ▼ 0.00 pts · high 1.26% / low 1.00%
0.50%1.13%1.76%Sep 22, 2026: 1.26% APYSep 26, 2026: 1.00% APYOct 9, 2026: 1.26% APYSep 22, 2026Oct 12, 2026
  • Oct 9, 20261.26%▲ from 1.00%
  • Sep 26, 20261.00%▼ from 1.26%
  • Sep 22, 20261.26%first recorded
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 Month Certificate
$1,000
1.25% ▼ 0.34% below South Carolina avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 0.34% below avgNationally 2.10%
Details

LESS THAN $25,000

Rate History
No change since Sep 8, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 8, 2026: 1.25% APYSep 8, 2026Oct 12, 2026
Countybank
Institution Rating:
B+4.3 ★Texas Ratio: 5.52%
3 Month Certificate
$1,000
1.04% ▼ 0.55% below South Carolina avg
View
▼
Rate1.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 0.55% below avgNationally 2.10%
Details

Rate History
1 change since Sep 7, 2026 · 0.98% → 1.04% ▲ 0.06 pts · high 1.04% / low 0.98%
0.48%1.01%1.54%Sep 7, 2026: 0.98% APYOct 7, 2026: 1.04% APYSep 7, 2026Oct 12, 2026
  • Oct 7, 20261.04%▲ from 0.98%
  • Sep 7, 20260.98%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month - Relationship
$0
1.00% ▼ 0.59% below South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.10%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 12, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Certificate
$0
1.00% ▼ 0.59% below South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.10%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 12, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
1.00% ▼ 0.59% below South Carolina avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.10%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
1.00% ▼ 0.59% below South Carolina avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.10%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 12, 2026
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
3 Month Share Certificates
$0
1.00% ▼ 0.59% below South Carolina avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 12, 2026
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3 Month Share Certificate
$0
1.00% ▼ 0.59% below South Carolina avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.59% below avgNationally 2.10%
Details

Rate History
No change since Sep 22, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 22, 2026: 1.00% APYSep 22, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
0.95% ▼ 0.64% below South Carolina avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.64% below avgNationally 2.10%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 6 times
0.45%0.95%1.45%Sep 14, 2026: 0.95% APYSep 14, 2026Oct 12, 2026
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
3 Month IRA Certificate
$100,000
0.90% ▼ 0.69% below South Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average1.59%▼ 0.69% below avgNationally 2.10%
Details

Deposit Amount: $100,000+

Rate History
No change since Sep 20, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Sep 20, 2026: 0.90% APYSep 20, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
0.90% ▼ 0.69% below South Carolina avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.69% below avgNationally 2.10%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 6 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
0.85% ▼ 0.74% below South Carolina avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.74% below avgNationally 2.10%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 14, 2026: 0.85% APYSep 14, 2026Oct 12, 2026
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
3 Month IRA Certificate
$50,000
0.80% ▼ 0.79% below South Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average1.59%▼ 0.79% below avgNationally 2.10%
Details

Deposit Amount: $50,000+

Rate History
No change since Sep 20, 2026 · 0.80% APY · checked 4 times
0.30%0.80%1.30%Sep 20, 2026: 0.80% APYSep 20, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
0.80% ▼ 0.79% below South Carolina avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.79% below avgNationally 2.10%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 6 times
0.30%0.80%1.30%Sep 14, 2026: 0.80% APYSep 14, 2026Oct 12, 2026
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
3 Month IRA Certificate
$1,000
0.75% ▼ 0.84% below South Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average1.59%▼ 0.84% below avgNationally 2.10%
Details

Deposit Amount: Up to $50,000

Rate History
No change since Sep 20, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 20, 2026: 0.75% APYSep 20, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 Month Certificate
$0
0.75% ▼ 0.84% below South Carolina avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 0.84% below avgNationally 2.10%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 12, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month CD
$500
0.50% ▼ 1.09% below South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 1.09% below avgNationally 2.10%
Details

Rate History
No change since Sep 9, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 9, 2026: 0.50% APYSep 9, 2026Oct 12, 2026
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
3 Month Share Certificate
$1,000
0.50% ▼ 1.09% below South Carolina avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 1.09% below avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 12, 2026
Brookland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.07%
3 Month Regular Certificates
$500
0.18% ▼ 1.41% below South Carolina avg
View
▼
Rate0.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 5, 2026
South Carolina Average1.59%▼ 1.41% below avgNationally 2.10%
Details

A penalty is imposed for early withdrawal. Dividends are compounded and credited quarterly.

Rate History
No change since Oct 5, 2026 · 0.18% APY
0.00%0.34%0.68%Oct 5, 2026: 0.18% APYOct 5, 2026Oct 12, 2026
Brookland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.07%
Regular Certificate - 3 months
$500
0.18% ▼ 1.41% below South Carolina avg
View
▼
Rate0.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 5, 2026
South Carolina Average1.59%▼ 1.41% below avgNationally 2.10%
Details

Dividends are compounded and credited quarterly. A penalty is imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 0.18% APY · checked 2 times
0.00%0.34%0.68%Sep 14, 2026: 0.18% APYSep 14, 2026Oct 12, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.53% below South Carolina avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 1.53% below avgNationally 2.10%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 12, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.53% below South Carolina avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 1.53% below avgNationally 2.10%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 12, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate
$2,500
0.05% ▼ 1.54% below South Carolina avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 1.54% below avgNationally 2.10%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
3 Month Certificates
$500
0.05% ▼ 1.54% below South Carolina avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 1.54% below avgNationally 2.10%
Details

Balance: $500 - $19,999.99

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
3 Month IRA Certificates
$500
0.05% ▼ 1.54% below South Carolina avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average1.59%▼ 1.54% below avgNationally 2.10%
Details

Balance: $500 - $19,999.99

Rate History
No change since Oct 5, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 5, 2026: 0.05% APYOct 5, 2026Oct 12, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03% ▼ 1.56% below South Carolina avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average1.59%▼ 1.56% below avgNationally 2.10%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 12, 2026

Lincolnville 6 Month CD Rates

South Carolina 6 Month CD Average2.55% APYNational 2.79%▲ 0.02% from last week
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 Certificate
$100,001
4.34% ▲ 1.79% above South Carolina avg
View
▼
Rate4.25%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.79% above avgNationally 2.79%
Details

Deposit Amount: $100,001 and up

Rate History
1 change since Oct 4, 2026 · 3.82% → 4.34% ▲ 0.52 pts · high 4.34% / low 3.82%
3.30%4.08%4.86%Oct 4, 2026: 3.82% APYOct 12, 2026: 4.34% APYOct 4, 2026Oct 12, 2026
  • Oct 12, 20264.34%▲ from 3.82%
  • Oct 4, 20263.82%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month jumbo cd
$50,000
4.10% ▲ 1.55% above South Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.55% 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%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 12, 2026
  • 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%
6 Month Certificate
$500
4.10% ▲ 1.55% above South Carolina avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.55%▲ 1.55% above avgNationally 2.79%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Month Term Share Certificate
$50,001
4.08% ▲ 1.53% above South Carolina avg
View
▼
Rate4.00%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.53% above avgNationally 2.79%
Details

Balance: $50,001 to $100,000.99

Rate History
1 change since Oct 4, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Oct 4, 2026: 3.82% APYOct 12, 2026: 4.08% APYOct 4, 2026Oct 12, 2026
  • Oct 12, 20264.08%▲ from 3.82%
  • Oct 4, 20263.82%first recorded
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
6-Month CD
$1,000
4.00% ▲ 1.45% above South Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 1.45% above avgNationally 2.79%
Details

Valid for new clients or existing clients with a minimum of $25,000 in new money.

Rate History
1 change since Sep 9, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Sep 9, 2026: 3.55% APYSep 27, 2026: 4.00% APYSep 9, 2026Oct 12, 2026
  • Sep 27, 20264.00%▲ from 3.55%
  • Sep 9, 20263.55%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month regular cd
$500
4.00% ▲ 1.45% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.45% 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%
3.15%3.83%4.50%Sep 21, 2026: 3.65% APYOct 5, 2026: 4.00% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month Certificate of Deposit
$0
3.90% ▲ 1.35% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.55%▲ 1.35% above avgNationally 2.79%
Details

Rate History
No change since Sep 20, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 20, 2026: 3.90% APYSep 20, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 6 Month to 11 Month
$0
3.87% ▲ 1.32% above South Carolina avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.32% above avgNationally 2.79%
Details

Rate History
No change since Oct 5, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 5, 2026: 3.87% APYOct 5, 2026Oct 12, 2026
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Month Term Share Certificate
$1,000
3.82% ▲ 1.27% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.27% above avgNationally 2.79%
Details

Deposit Amount: $1,000 to $50,000.99

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Month Share Certificate Accounts - Share
$0
3.75% ▲ 1.20% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.20% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificates - 6 Month
$0
3.75% ▲ 1.20% above South Carolina avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.55%▲ 1.20% above avgNationally 2.79%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 12, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month CD
$0
3.75% ▲ 1.20% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.55%▲ 1.20% above avgNationally 2.79%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 12, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term
$1,000
3.75% ▲ 1.20% above South Carolina avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.55%▲ 1.20% above avgNationally 2.79%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 12, 2026
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
6 Month IRA Share Certificate
$0
3.71% ▲ 1.16% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.16% above avgNationally 2.79%
Details

Balance: $250 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45%
2.95%3.58%4.21%Sep 14, 2026: 3.45% APYOct 5, 2026: 3.71% APYSep 14, 2026Oct 12, 2026
  • 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% ▲ 1.11% above South Carolina avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.11% above avgNationally 2.79%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 12, 2026
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
6 Month Six Month Term Share Certificate
$0
3.65% ▲ 1.10% above South Carolina avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.10% above avgNationally 2.79%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Jumbo Certificate
$0
3.64% ▲ 1.09% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.09% above avgNationally 2.79%
Details

Rate History
No change since Sep 25, 2026 · 3.64% APY · checked 4 times
3.14%3.64%4.14%Sep 25, 2026: 3.64% APYSep 25, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6 Month Certificate
$0
3.61% ▲ 1.06% above South Carolina avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.06% above avgNationally 2.79%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 21, 2026 · 3.61% APY · checked 5 times
3.11%3.61%4.11%Sep 21, 2026: 3.61% APYSep 21, 2026Oct 12, 2026
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month IRA Certificate
$100,000
3.60% ▲ 1.05% above South Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.55%▲ 1.05% above avgNationally 2.79%
Details

Deposit Amount: $100,000+

Rate History
No change since Sep 17, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 17, 2026: 3.60% APYSep 17, 2026Oct 12, 2026
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
6 Month Share Certificate
$0
3.59% ▲ 1.04% above South Carolina avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.04% above avgNationally 2.79%
Details

+50k

Rate History
2 changes since Sep 22, 2026 · 3.59% → 3.59% ▼ 0.00 pts · high 3.59% / low 3.54%
3.04%3.57%4.09%Sep 22, 2026: 3.59% APYSep 26, 2026: 3.54% APYOct 9, 2026: 3.59% APYSep 22, 2026Oct 12, 2026
  • Oct 9, 20263.59%▲ from 3.54%
  • Sep 26, 20263.54%▼ from 3.59%
  • Sep 22, 20263.59%first recorded
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6 Month Certificate
$0
3.56% ▲ 1.01% above South Carolina avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.01% above avgNationally 2.79%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 21, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 21, 2026: 3.56% APYSep 21, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Certificate
$0
3.55% ▲ 1.00% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.55%▲ 1.00% above avgNationally 2.79%
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 12, 2026
Santee Cooper Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6 Month Share Certificate
$500
3.55% ▲ 1.00% above South Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 1.00% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 12, 2026
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
6 Month Share Certificate
$0
3.54% ▲ 0.99% above South Carolina avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 0.99% above avgNationally 2.79%
Details

Rate History
No change since Sep 22, 2026 · 3.54% APY · checked 3 times
3.04%3.54%4.04%Sep 22, 2026: 3.54% APYSep 22, 2026Oct 12, 2026
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month IRA Certificate
$50,000
3.50% ▲ 0.95% above South Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.55%▲ 0.95% above avgNationally 2.79%
Details

Deposit Amount: $50,000+

Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 17, 2026: 3.50% APYSep 17, 2026Oct 12, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 Month Term Share Certificate
$1,000
3.50% ▲ 0.95% above South Carolina avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 0.95% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYSep 29, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
  • 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 IRA Certificate
$1,000
3.45% ▲ 0.90% above South Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.55%▲ 0.90% above avgNationally 2.79%
Details

Deposit Amount: Up to $50,000

Rate History
No change since Sep 17, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 17, 2026: 3.45% APYSep 17, 2026Oct 12, 2026
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
6 Month Share Certificates
$0
3.39% ▲ 0.84% above South Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 0.84% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 6 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month IRA Plus Certificates
$0
3.34% ▲ 0.79% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 0.79% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 6 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month Share Certificates Plus
$0
3.34% ▲ 0.79% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 0.79% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 6 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 12, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6 Month Share Certificate Accounts
$500
3.30% ▲ 0.75% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 0.75% above avgNationally 2.79%
Details

Rate History
No change since Sep 21, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 21, 2026: 3.30% APYSep 21, 2026Oct 12, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
IRA Certificate Accounts - 6 month
$500
3.30% ▲ 0.75% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 0.75% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 12, 2026
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$1,000
3.25% ▲ 0.70% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.70% above avgNationally 2.79%
Details

$50,000 - $99,999

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 12, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6 Month Certificate
$0
3.20% ▲ 0.65% above South Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.65% above avgNationally 2.79%
Details

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 12, 2026
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$1,000
3.20% ▲ 0.65% above South Carolina avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.65% above avgNationally 2.79%
Details

$25,000 - $49,999

Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 7, 2026: 3.20% APYOct 7, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month IRA Certificate
$0
3.14% ▲ 0.59% above South Carolina avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 0.59% above avgNationally 2.79%
Details

Rate History
No change since Oct 5, 2026 · 3.14% APY · checked 2 times
2.64%3.14%3.64%Oct 5, 2026: 3.14% APYOct 5, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month Share Certificate
$0
3.14% ▲ 0.59% above South Carolina avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▲ 0.59% above avgNationally 2.79%
Details

Rate History
No change since Oct 5, 2026 · 3.14% APY · checked 2 times
2.64%3.14%3.64%Oct 5, 2026: 3.14% APYOct 5, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6 Month Term
$0
3.00% ▲ 0.45% above South Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.45% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 6 Month Term
$0
3.00% ▲ 0.45% above South Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.45% above avgNationally 2.79%
Details

Balance: $100,000+

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6 Month Term
$0
2.95% ▲ 0.40% above South Carolina avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.40% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 6 Month Term
$0
2.95% ▲ 0.40% above South Carolina avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.40% above avgNationally 2.79%
Details

Balance: $25,000 - $99,999

Rate History
No change since Sep 24, 2026 · 2.95% APY · checked 5 times
2.45%2.95%3.45%Sep 24, 2026: 2.95% APYSep 24, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6 Month Term
$0
2.90% ▲ 0.35% above South Carolina avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.35% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 6 Month Term
$0
2.90% ▲ 0.35% above South Carolina avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.35% above avgNationally 2.79%
Details

Balance: $5,000 - $24,999

Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Oct 12, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
6 Months Certificate
$0
2.90% ▲ 0.35% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.55%▲ 0.35% above avgNationally 2.79%
Details

Preferred APY: 3.25%

Rate History
No change since Sep 12, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 12, 2026: 2.90% APYSep 12, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6 Month Term
$0
2.84% ▲ 0.29% above South Carolina avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.29% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 6 times
2.34%2.84%3.34%Sep 18, 2026: 2.84% APYSep 18, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 6 Month Term
$0
2.84% ▲ 0.29% above South Carolina avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▲ 0.29% above avgNationally 2.79%
Details

Balance: $250 - $4,999

Rate History
No change since Sep 24, 2026 · 2.84% APY · checked 5 times
2.34%2.84%3.34%Sep 24, 2026: 2.84% APYSep 24, 2026Oct 12, 2026
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6 Month Share Certificates
$500
2.53% ▼ 0.02% below South Carolina avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▼ 0.02% below avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 4 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 12, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6 Month CD
$500
2.25% ▼ 0.30% below South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.55%▼ 0.30% below avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 12, 2026
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 Month Share Certificate
$1,000
2.25% ▼ 0.30% below South Carolina avg
View
▼
Rate2.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.55%▼ 0.30% below avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 12, 2026
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
6 Month Certificate
$500
2.00% ▼ 0.55% below South Carolina avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.55%▼ 0.55% below avgNationally 2.79%
Details

Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 12, 2026

Lincolnville 12 Month CD Rates

South Carolina 12 Month CD Average3.02% APYNational 2.99%▲ 0.08% from last week
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 (new external funds required)
$0
5.00% ▲ 1.98% above South Carolina avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average3.02%▲ 1.98% above avgNationally 2.99%
Details

New external funds required

Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.33% above South Carolina avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 1.33% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month elite jumbo cd
$250,000
4.35% ▲ 1.33% above South Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 1.33% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 12, 2026
  • 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%
12 Month Certificate
$500
4.30% ▲ 1.28% above South Carolina avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 1.28% above avgNationally 2.99%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month jumbo cd
$50,000
4.20% ▲ 1.18% above South Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 12, 2026
  • 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%
Share Certificate Accounts - IRA & Jumbo - 12 Month to 17 Month
$0
4.17% ▲ 1.15% above South Carolina avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 1.15% above avgNationally 2.99%
Details

Rate History
1 change since Oct 5, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 5, 2026: 4.12% APYOct 9, 2026: 4.17% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.17%▲ from 4.12%
  • Oct 5, 20264.12%first recorded
OPTUS Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
12-Month Certificate of Deposit
$5,000
4.13% ▲ 1.11% above South Carolina avg
View
▼
Rate4.05%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average3.02%▲ 1.11% above avgNationally 2.99%
Details

Qualifying new relationship clients only. Offering rate effective June 1, 2026 through December 31, 2026 and is subject to change without notice. A penalty will be imposed for early withdrawal from Certificate of Deposit accounts. Certificate of Deposit rates are fixed for the term of the CD. Fees may reduce earnings. Offers may be withdrawn at any time without notice.

Rate History
No change since Sep 7, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 7, 2026: 4.13% APYSep 7, 2026Oct 12, 2026
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
12-Month CD
$1,000
4.10% ▲ 1.08% above South Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average3.02%▲ 1.08% above avgNationally 2.99%
Details

Valid for new clients or existing clients with a minimum of $25,000 in new money.

Rate History
1 change since Sep 9, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
2.70%3.75%4.80%Sep 9, 2026: 3.40% APYSep 27, 2026: 4.10% APYSep 9, 2026Oct 12, 2026
  • 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 Jumbo Certificate
$0
4.10% ▲ 1.08% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 1.08% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.84% → 4.10% ▲ 0.26 pts · high 4.10% / low 3.84%
3.34%3.97%4.60%Sep 25, 2026: 3.84% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 12, 2026
  • Oct 4, 20264.10%▲ from 3.84%
  • Sep 25, 20263.84%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month regular cd
$500
4.10% ▲ 1.08% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 1.08% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 12, 2026
  • 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 Certificate
$100,001
4.08% ▲ 1.06% above South Carolina avg
View
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 1.06% above avgNationally 2.99%
Details

Deposit Amount: $100,001 and up

Rate History
1 change since Oct 4, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
3.04%3.82%4.60%Oct 4, 2026: 3.56% APYOct 12, 2026: 4.08% APYOct 4, 2026Oct 12, 2026
  • Oct 12, 20264.08%▲ from 3.56%
  • Oct 4, 20263.56%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificate 6-12 month term
$500
4.08% ▲ 1.06% above South Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 1.06% above avgNationally 2.99%
Details

IRA Certificate2

Rate History
No change since Oct 5, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 5, 2026: 4.08% APYOct 5, 2026Oct 12, 2026
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificate 6-12 month term
$500
4.08% ▲ 1.06% above South Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 1.06% above avgNationally 2.99%
Details

Share Certificate1

Rate History
No change since Oct 5, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 5, 2026: 4.08% APYOct 5, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month IRA Certificate
$0
4.05% ▲ 1.03% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 1.03% above avgNationally 2.99%
Details

Minimum Balances of $500

Rate History
1 change since Sep 25, 2026 · 3.79% → 4.05% ▲ 0.26 pts · high 4.05% / low 3.79%
3.29%3.92%4.55%Sep 25, 2026: 3.79% APYOct 4, 2026: 4.05% APYSep 25, 2026Oct 12, 2026
  • 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 Accounts - Share
$0
4.05% ▲ 1.03% above South Carolina avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 1.03% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 18, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 18, 2026: 3.95% APYSep 25, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 25, 20264.00%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.98% above South Carolina avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 0.98% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month Certificate
$0
4.00% ▲ 0.98% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.74% → 4.00% ▲ 0.26 pts · high 4.00% / low 3.74%
3.24%3.87%4.50%Sep 25, 2026: 3.74% APYOct 4, 2026: 4.00% APYSep 25, 2026Oct 12, 2026
  • Oct 4, 20264.00%▲ from 3.74%
  • Sep 25, 20263.74%first recorded
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
12 Month Twelve Month Term Share Certificate
$0
4.00% ▲ 0.98% above South Carolina avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 12, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificates - 12 Month Special
$0
4.00% ▲ 0.98% above South Carolina avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 12, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year CD
$0
4.00% ▲ 0.98% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 12, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term
$1,000
4.00% ▲ 0.98% above South Carolina avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
12 Month Certificate
$250,000
3.92% ▲ 0.90% above South Carolina avg
View
▼
Rate3.85%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.90% above avgNationally 2.99%
Details

APY*: 3.92%

Rate History
No change since Oct 4, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 4, 2026: 3.92% APYOct 4, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month Certificate
$0
3.92% ▲ 0.90% above South Carolina avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.90% above avgNationally 2.99%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 6 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month IRA Certificate
$0
3.92% ▲ 0.90% above South Carolina avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.90% above avgNationally 2.99%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 6 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 12, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
12 Month Share Certificate Accounts
$500
3.92% ▲ 0.90% above South Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.90% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
3.16%3.79%4.42%Sep 21, 2026: 3.66% APYOct 9, 2026: 3.92% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 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%
IRA Certificate Accounts - 12 month
$500
3.92% ▲ 0.90% above South Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.90% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
3.16%3.79%4.42%Sep 14, 2026: 3.66% APYOct 9, 2026: 3.92% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.92%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 month CD
$1,000
3.91% ▲ 0.89% above South Carolina avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.89% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 12, 2026
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Month Certificate of Deposit
$0
3.91% ▲ 0.89% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average3.02%▲ 0.89% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Sep 20, 2026: 3.91% APYSep 20, 2026Oct 12, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Advantage Share Certificate
$0
3.90% ▲ 0.88% above South Carolina avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 14, 2026: 3.65% APYSep 29, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20263.90%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Loyalty Term Share Certificate
$10,000
3.90% ▲ 0.88% above South Carolina avg
View
▼
Rate3.83%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.88% above avgNationally 2.99%
Details

Plus 5 Years of Membership

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 14, 2026: 3.65% APYSep 29, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
  • 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%
12 Month Certificate
$100,000
3.87% ▲ 0.85% above South Carolina avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.85% above avgNationally 2.99%
Details

APY*: 3.87%

Rate History
No change since Oct 4, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Oct 4, 2026: 3.87% APYOct 4, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month Certificate
$0
3.87% ▲ 0.85% above South Carolina avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.85% above avgNationally 2.99%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 21, 2026 · 3.87% APY · checked 5 times
3.37%3.87%4.37%Sep 21, 2026: 3.87% APYSep 21, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month IRA Certificate
$0
3.87% ▲ 0.85% above South Carolina avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.85% above avgNationally 2.99%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 21, 2026 · 3.87% APY · checked 5 times
3.37%3.87%4.37%Sep 21, 2026: 3.87% APYSep 21, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
12 Month Certificate
$500
3.82% ▲ 0.80% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.80% above avgNationally 2.99%
Details

APY*: 3.82%

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 12, 2026
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
12 Month Term Share Certificate
$50,001
3.82% ▲ 0.80% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average3.02%▲ 0.80% above avgNationally 2.99%
Details

Balance: $50,001 to $100,000.99

Rate History
1 change since Oct 4, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Oct 4, 2026: 3.56% APYOct 12, 2026: 3.82% APYOct 4, 2026Oct 12, 2026
  • Oct 12, 20263.82%▲ from 3.56%
  • Oct 4, 20263.56%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
12 Month IRA Share Certificate
$0
3.82% ▲ 0.80% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.80% above avgNationally 2.99%
Details

Balance: $250 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.56% APYOct 5, 2026: 3.82% APYSep 14, 2026Oct 12, 2026
  • 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% ▲ 0.80% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.80% above avgNationally 2.99%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 21, 2026: 3.82% APYSep 21, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month IRA Certificate
$0
3.82% ▲ 0.80% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.80% above avgNationally 2.99%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 21, 2026: 3.82% APYSep 21, 2026Oct 12, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Certificate
$500
3.80% ▲ 0.78% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.78% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 14, 2026: 3.80% APYSep 21, 2026: 4.06% APYSep 25, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 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% ▲ 0.78% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12 Month Share Certificate
$0
3.80% ▲ 0.78% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.78% above avgNationally 2.99%
Details

IRA & +25k

Rate History
2 changes since Sep 22, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 3.80% / low 3.64%
3.14%3.72%4.30%Sep 22, 2026: 3.80% APYSep 26, 2026: 3.64% APYOct 9, 2026: 3.80% APYSep 22, 2026Oct 12, 2026
  • Oct 9, 20263.80%▲ from 3.64%
  • Sep 26, 20263.64%▼ from 3.80%
  • Sep 22, 20263.80%first recorded
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate
$500
3.75% ▲ 0.73% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details

$50,000 - $99,999

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 12, 2026
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 MOS Senior
$5,000
3.75% ▲ 0.73% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details

LESS THAN $25,000

Rate History
1 change since Sep 8, 2026 · 3.51% → 3.75% ▲ 0.24 pts · high 3.75% / low 3.51%
3.01%3.63%4.25%Sep 8, 2026: 3.51% APYSep 18, 2026: 3.75% APYSep 8, 2026Oct 12, 2026
  • Sep 18, 20263.75%▲ from 3.51%
  • Sep 8, 20263.51%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12 Month Certificates
$500
3.75% ▲ 0.73% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details

Balance: $500 - $19,999.99

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12 Month IRA Certificates
$500
3.75% ▲ 0.73% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details

Balance: $500 - $19,999.99

Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12 Month Traditional IRA Certificate (Roth and SEP also available)
$500
3.75% ▲ 0.73% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details

Balance: $20,000 - $99,999.99

Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Explorer's Club Certificate - 12 Month
$100
3.75% ▲ 0.73% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details

Balance: $100 - $19,999.99

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
12 Month Certificate
$0
3.75% ▲ 0.73% above South Carolina avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Term Share Certificate
$1,000
3.75% ▲ 0.73% above South Carolina avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average3.02%▲ 0.73% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYSep 29, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate
$500
3.70% ▲ 0.68% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average3.02%▲ 0.68% above avgNationally 2.99%
Details

$25,000 - $49,999

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 12, 2026

Lincolnville 18 Month CD Rates

South Carolina 18 Month CD Average2.65% APYNational 2.87%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
18 Month Variable Rate IRA Certificate
$0
4.54% ▲ 1.89% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.89% above avgNationally 2.87%
Details

Variable Rate IRA Certificate; $250 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.54% ▲ 0.47 pts · high 4.54% / low 4.07%
3.57%4.31%5.04%Sep 14, 2026: 4.07% APYOct 5, 2026: 4.54% APYSep 14, 2026Oct 12, 2026
  • 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% ▲ 1.89% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.89% above avgNationally 2.87%
Details

Variable Rate Share Certificate; $250 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.54% ▲ 0.47 pts · high 4.54% / low 4.07%
3.57%4.31%5.04%Sep 14, 2026: 4.07% APYOct 5, 2026: 4.54% APYSep 14, 2026Oct 12, 2026
  • 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 senior jumbo cd
$50,000
4.45% ▲ 1.80% above South Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.80% above avgNationally 2.87%
Details

senior

Rate History
1 change since Sep 29, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 29, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 29, 2026Oct 12, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 29, 20264.10%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificate
$500
4.40% ▲ 1.75% above South Carolina avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.65%▲ 1.75% above avgNationally 2.87%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month senior regular cd
$500
4.35% ▲ 1.70% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.70% above avgNationally 2.87%
Details

senior

Rate History
1 change since Sep 29, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 29, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 29, 2026Oct 12, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 29, 20264.00%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
18 Month IRA Share Certificate
$0
4.33% ▲ 1.68% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.68% above avgNationally 2.87%
Details

Balance: $250 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 5, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • 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% ▲ 1.60% above South Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.60% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 12, 2026
  • 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% ▲ 1.55% above South Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 1.55% above avgNationally 2.87%
Details

Valid for new clients or existing clients with a minimum of $25,000 in new money.

Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month regular cd
$500
4.15% ▲ 1.50% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.50% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 18 Month to 23 Month
$0
4.02% ▲ 1.37% above South Carolina avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.37% above avgNationally 2.87%
Details

Rate History
1 change since Oct 5, 2026 · 3.97% → 4.02% ▲ 0.05 pts · high 4.02% / low 3.97%
3.47%4.00%4.52%Oct 5, 2026: 3.97% APYOct 9, 2026: 4.02% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Oct 5, 20263.97%first recorded
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
18 Month Eighteen Month Term Share Certificate
$0
4.00% ▲ 1.35% above South Carolina avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.35% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Share Certificate Accounts - Share
$0
3.90% ▲ 1.25% above South Carolina avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.25% above avgNationally 2.87%
Details

Rate History
3 changes since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 18, 2026: 3.70% APYSep 25, 2026: 3.75% APYOct 5, 2026: 3.85% APYOct 9, 2026: 3.90% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20263.90%▲ from 3.85%
  • Oct 5, 20263.85%▲ from 3.75%
  • Sep 25, 20263.75%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
18 Month Certificate of Deposit
$0
3.75% ▲ 1.10% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.65%▲ 1.10% above avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 12, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificates - 18 Month Special
$0
3.75% ▲ 1.10% above South Carolina avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.65%▲ 1.10% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
18 Month IRA Certificate
$0
3.71% ▲ 1.06% above South Carolina avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.06% above avgNationally 2.87%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 1.05% above South Carolina avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.65%▲ 1.05% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18 Month Certificate
$250,000
3.66% ▲ 1.01% above South Carolina avg
View
▼
Rate3.60%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 1.01% above avgNationally 2.87%
Details

APY*: 3.66%

Rate History
No change since Oct 4, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 4, 2026: 3.66% APYOct 4, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
18 Month IRA Certificate
$0
3.66% ▲ 1.01% above South Carolina avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.01% above avgNationally 2.87%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 21, 2026 · 3.66% APY · checked 5 times
3.16%3.66%4.16%Sep 21, 2026: 3.66% APYSep 21, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18 Month Certificate
$100,000
3.61% ▲ 0.96% above South Carolina avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 0.96% above avgNationally 2.87%
Details

APY*: 3.61%

Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 4, 2026: 3.61% APYOct 4, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
18 Month IRA Certificate
$0
3.61% ▲ 0.96% above South Carolina avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.96% above avgNationally 2.87%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 21, 2026 · 3.61% APY · checked 5 times
3.11%3.61%4.11%Sep 21, 2026: 3.61% APYSep 21, 2026Oct 12, 2026
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
18 Month Share Certificate
$0
3.59% ▲ 0.94% above South Carolina avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.94% above avgNationally 2.87%
Details

+50k

Rate History
2 changes since Sep 22, 2026 · 3.59% → 3.59% ▼ 0.00 pts · high 3.59% / low 3.54%
3.04%3.57%4.09%Sep 22, 2026: 3.59% APYSep 26, 2026: 3.54% APYOct 9, 2026: 3.59% APYSep 22, 2026Oct 12, 2026
  • Oct 9, 20263.59%▲ from 3.54%
  • Sep 26, 20263.54%▼ from 3.59%
  • Sep 22, 20263.59%first recorded
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18 Month Certificate
$500
3.56% ▲ 0.91% above South Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 0.91% above avgNationally 2.87%
Details

APY*: 3.56%

Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
18 Month JUMBO CERTIFICATES
$0
3.55% ▲ 0.90% above South Carolina avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
Curis Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
18 Month Share Certificate
$0
3.54% ▲ 0.89% above South Carolina avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.89% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 3.54% APY · checked 3 times
3.04%3.54%4.04%Sep 22, 2026: 3.54% APYSep 22, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
18 Month Share & IRA Certificate
$0
3.50% ▲ 0.85% above South Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.85% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
18 Month Certificate
$0
3.46% ▲ 0.81% above South Carolina avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.81% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month IRA Plus Certificates
$0
3.44% ▲ 0.79% above South Carolina avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.79% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates Plus
$0
3.44% ▲ 0.79% above South Carolina avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.79% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 12, 2026
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
18 Month Certificates of Deposit
$1,000
3.34% ▲ 0.69% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.69% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.19% → 3.34% ▲ 0.15 pts · high 3.34% / low 3.19%
2.69%3.26%3.84%Sep 18, 2026: 3.19% APYOct 2, 2026: 3.34% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20263.34%▲ from 3.19%
  • Sep 18, 20263.19%first recorded
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
IRA 18 Months Fixed
$0
3.34% ▲ 0.69% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.69% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.34% ▲ 0.31 pts · high 3.34% / low 3.03%
2.53%3.18%3.84%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.34% APYSep 18, 2026Oct 12, 2026
  • 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% ▲ 0.69% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.69% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.34% ▲ 0.31 pts · high 3.34% / low 3.03%
2.53%3.18%3.84%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.34% APYSep 18, 2026Oct 12, 2026
  • 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 Certificate
$100,001
3.30% ▲ 0.65% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 0.65% above avgNationally 2.87%
Details

Deposit Amount: $100,001 and up

Rate History
1 change since Oct 4, 2026 · 2.79% → 3.30% ▲ 0.51 pts · high 3.30% / low 2.79%
2.28%3.05%3.81%Oct 4, 2026: 2.79% APYOct 12, 2026: 3.30% APYOct 4, 2026Oct 12, 2026
  • Oct 12, 20263.30%▲ from 2.79%
  • Oct 4, 20262.79%first recorded
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month IRA Certificates
$100,000
3.25% ▲ 0.60% above South Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.65%▲ 0.60% above avgNationally 2.87%
Details

Deposit Amount: $100,000+

Rate History
1 change since Sep 18, 2026 · 2.50% → 3.25% ▲ 0.75 pts · high 3.25% / low 2.50%
1.75%2.88%4.00%Sep 18, 2026: 2.50% APYOct 8, 2026: 3.25% APYSep 18, 2026Oct 12, 2026
  • Oct 8, 20263.25%▲ from 2.50%
  • Sep 18, 20262.50%first recorded
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
18 month CD
$1,000
3.24% ▲ 0.59% above South Carolina avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 0.59% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.24% APY · checked 2 times
2.74%3.24%3.74%Oct 8, 2026: 3.24% APYOct 8, 2026Oct 12, 2026
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (18 month) CD
$1,000
3.24% ▲ 0.59% above South Carolina avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 0.59% above avgNationally 2.87%
Details

Available as 18-month CDs.

Rate History
No change since Oct 8, 2026 · 3.24% APY · checked 2 times
2.74%3.24%3.74%Oct 8, 2026: 3.24% APYOct 8, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month IRA Certificate
$0
3.24% ▲ 0.59% above South Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.59% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.24% APY · checked 2 times
2.74%3.24%3.74%Oct 5, 2026: 3.24% APYOct 5, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificate
$0
3.24% ▲ 0.59% above South Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.59% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.24% APY · checked 2 times
2.74%3.24%3.74%Oct 5, 2026: 3.24% APYOct 5, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
18 Month Term
$0
3.20% ▲ 0.55% above South Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.55% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 12, 2026
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.20% ▲ 0.55% above South Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.55% above avgNationally 2.87%
Details

$100,000 OR MORE

Rate History
No change since Sep 8, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 8, 2026: 3.20% APYSep 8, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
18 Month Term
$0
3.15% ▲ 0.50% above South Carolina avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.50% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 12, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
18 Months Certificate
$0
3.15% ▲ 0.50% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.65%▲ 0.50% above avgNationally 2.87%
Details

Preferred APY: 3.50%

Rate History
No change since Sep 12, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 12, 2026: 3.15% APYSep 12, 2026Oct 12, 2026
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month IRA Certificates
$50,000
3.15% ▲ 0.50% above South Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.65%▲ 0.50% above avgNationally 2.87%
Details

Deposit Amount: $50,000+

Rate History
1 change since Sep 18, 2026 · 2.40% → 3.15% ▲ 0.75 pts · high 3.15% / low 2.40%
1.65%2.78%3.90%Sep 18, 2026: 2.40% APYOct 8, 2026: 3.15% APYSep 18, 2026Oct 12, 2026
  • Oct 8, 20263.15%▲ from 2.40%
  • Sep 18, 20262.40%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
18 Month Term
$0
3.10% ▲ 0.45% above South Carolina avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.45% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 12, 2026
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.10% ▲ 0.45% above South Carolina avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.45% above avgNationally 2.87%
Details

$50,000 - $99,999

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 12, 2026
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month IRA Certificates
$1,000
3.10% ▲ 0.45% above South Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.65%▲ 0.45% above avgNationally 2.87%
Details

Deposit Amount: Up to $50,000

Rate History
1 change since Sep 18, 2026 · 2.35% → 3.10% ▲ 0.75 pts · high 3.10% / low 2.35%
1.60%2.73%3.85%Sep 18, 2026: 2.35% APYOct 8, 2026: 3.10% APYSep 18, 2026Oct 12, 2026
  • Oct 8, 20263.10%▲ from 2.35%
  • Sep 18, 20262.35%first recorded
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
18 Month Share Certificates
$500
3.09% ▲ 0.44% above South Carolina avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.44% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 4 times
2.59%3.09%3.59%Sep 18, 2026: 3.09% APYSep 18, 2026Oct 12, 2026
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.05% ▲ 0.40% above South Carolina avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.40% above avgNationally 2.87%
Details

$25,000 - $49,999

Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 7, 2026: 3.05% APYOct 7, 2026Oct 12, 2026
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
18 Month Term Share Certificate
$50,001
3.05% ▲ 0.40% above South Carolina avg
View
▼
Rate3.00%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 0.40% above avgNationally 2.87%
Details

Balance: $50,001 to $100,000.99

Rate History
1 change since Oct 4, 2026 · 2.79% → 3.05% ▲ 0.26 pts · high 3.05% / low 2.79%
2.29%2.92%3.55%Oct 4, 2026: 2.79% APYOct 12, 2026: 3.05% APYOct 4, 2026Oct 12, 2026
  • Oct 12, 20263.05%▲ from 2.79%
  • Oct 4, 20262.79%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
18 Month Term
$0
3.04% ▲ 0.39% above South Carolina avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.39% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 12, 2026
Santee Cooper Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
18 Month Share Certificate
$500
3.03% ▲ 0.38% above South Carolina avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.38% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 9, 2026: 3.03% APYOct 9, 2026Oct 12, 2026

Lincolnville 24 Month CD Rates

South Carolina 24 Month CD Average2.77% APYNational 2.88%▲ 0.04% from last week
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% ▲ 1.68% above South Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.68% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 21, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 21, 2026Oct 12, 2026
  • 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%
IRA Certificate 13-24 month term
$500
4.34% ▲ 1.57% above South Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.57% above avgNationally 2.88%
Details

IRA Certificate2

Rate History
No change since Oct 5, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 5, 2026: 4.34% APYOct 5, 2026Oct 12, 2026
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificate 13-24 month term
$500
4.34% ▲ 1.57% above South Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.57% above avgNationally 2.88%
Details

Share Certificate1

Rate History
No change since Oct 5, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 5, 2026: 4.34% APYOct 5, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month jumbo cd
$50,000
4.30% ▲ 1.53% above South Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.53% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.30% APYSep 21, 2026Oct 12, 2026
  • 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%
24 Month Certificate
$500
4.25% ▲ 1.48% above South Carolina avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.77%▲ 1.48% above avgNationally 2.88%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month regular cd
$500
4.20% ▲ 1.43% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.43% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
24 Month Twenty-Four Month Term Share Certificate
$0
4.15% ▲ 1.38% above South Carolina avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.38% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 5, 2026: 4.15% APYOct 5, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 24 Month to 29 Month
$0
4.07% ▲ 1.30% above South Carolina avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.30% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 4.02% → 4.07% ▲ 0.05 pts · high 4.07% / low 4.02%
3.52%4.05%4.57%Oct 5, 2026: 4.02% APYOct 9, 2026: 4.07% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.07%▲ from 4.02%
  • Oct 5, 20264.02%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
24 Month Share Certificate Accounts
$500
4.07% ▲ 1.30% above South Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.30% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 12, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
IRA Certificate Accounts - 24 month
$500
4.07% ▲ 1.30% above South Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.30% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
24 Month Certificates
$500
4.00% ▲ 1.23% above South Carolina avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Balance: $500 - $19,999.99

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
24 Month IRA Certificates
$500
4.00% ▲ 1.23% above South Carolina avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Balance: $500 - $19,999.99

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
24 Month Traditional IRA Certificate
$500
4.00% ▲ 1.23% above South Carolina avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Balance: $500 - $19,999.99

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Jumbo Certificate
$0
3.96% ▲ 1.19% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 1.19% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 25, 2026: 3.96% APYSep 25, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Month Share Certificate Accounts - Share
$0
3.95% ▲ 1.18% above South Carolina avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.18% above avgNationally 2.88%
Details

Rate History
3 changes since Sep 18, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 18, 2026: 3.75% APYSep 25, 2026: 3.80% APYOct 5, 2026: 3.90% APYOct 9, 2026: 3.95% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20263.95%▲ from 3.90%
  • Oct 5, 20263.90%▲ from 3.80%
  • Sep 25, 20263.80%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month IRA Certificate
$0
3.91% ▲ 1.14% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 1.14% above avgNationally 2.88%
Details

Minimum Balances of $500

Rate History
No change since Sep 25, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 25, 2026: 3.91% APYSep 25, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Certificate
$0
3.85% ▲ 1.08% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 12, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
24 Month Certificate
$500
3.85% ▲ 1.08% above South Carolina avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
24 Month IRA Share Certificate
$0
3.82% ▲ 1.05% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.05% above avgNationally 2.88%
Details

Balance: $250 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66%
3.16%3.74%4.32%Sep 14, 2026: 3.66% APYOct 5, 2026: 3.82% APYSep 14, 2026Oct 12, 2026
  • 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 IRA Certificate Roth Executive
$100,000
3.80% ▲ 1.03% above South Carolina avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Traditional Executive
$100,000
3.80% ▲ 1.03% above South Carolina avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Executive
$0
3.80% ▲ 1.03% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 21, 2026: 3.80% APYSep 21, 2026Oct 12, 2026
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
24 Month Certificate of Deposit
$0
3.75% ▲ 0.98% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.77%▲ 0.98% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Roth Premier
$10,000
3.70% ▲ 0.93% above South Carolina avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Traditional Premier
$10,000
3.70% ▲ 0.93% above South Carolina avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24 Month Certificate
$250,000
3.61% ▲ 0.84% above South Carolina avg
View
▼
Rate3.55%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.84% above avgNationally 2.88%
Details

APY*: 3.61%

Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 4, 2026: 3.61% APYOct 4, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.83% above South Carolina avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.77%▲ 0.83% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Roth
$500
3.60% ▲ 0.83% above South Carolina avg
View
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Traditional
$500
3.60% ▲ 0.83% above South Carolina avg
View
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
24 Month Share Certificates
$0
3.60% ▲ 0.83% above South Carolina avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24 Month Certificate
$100,000
3.56% ▲ 0.79% above South Carolina avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.79% above avgNationally 2.88%
Details

APY*: 3.56%

Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
24 Month Certificate
$0
3.56% ▲ 0.79% above South Carolina avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.79% above avgNationally 2.88%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
24 Month JUMBO CERTIFICATES
$0
3.55% ▲ 0.78% above South Carolina avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24 Month Certificate
$500
3.51% ▲ 0.74% above South Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.74% above avgNationally 2.88%
Details

APY*: 3.51%

Rate History
No change since Oct 4, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 4, 2026: 3.51% APYOct 4, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
24 Month Certificate
$0
3.51% ▲ 0.74% above South Carolina avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.74% above avgNationally 2.88%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 21, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 21, 2026: 3.51% APYSep 21, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
24 Month Share & IRA Certificate
$0
3.50% ▲ 0.73% above South Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Year Loyalty Term Share Certificate
$10,000
3.50% ▲ 0.73% above South Carolina avg
View
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.73% above avgNationally 2.88%
Details

Plus 5 Years of Membership

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYSep 29, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificates - 24 Month
$0
3.50% ▲ 0.73% above South Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.77%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 12, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
24 Month Certificate
$0
3.45% ▲ 0.68% above South Carolina avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.68% above avgNationally 2.88%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly

Rate History
No change since Sep 21, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 21, 2026: 3.45% APYSep 21, 2026Oct 12, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
24 Month Certificate
$0
3.41% ▲ 0.64% above South Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.77%▲ 0.64% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 12, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Year Term Share Certificate
$1,000
3.35% ▲ 0.58% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.58% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
2.60%3.23%3.85%Sep 14, 2026: 3.10% APYSep 29, 2026: 3.35% APYSep 14, 2026Oct 12, 2026
  • 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%
24 Month Certificates of Deposit
$1,000
3.34% ▲ 0.57% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.77%▲ 0.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
2.74%3.29%3.84%Sep 18, 2026: 3.24% APYOct 2, 2026: 3.34% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20263.34%▲ from 3.24%
  • Sep 18, 20263.24%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month IRA Plus Certificates
$0
3.34% ▲ 0.57% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 6 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Share Certificates Plus
$0
3.34% ▲ 0.57% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.77%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 6 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24 Month Step Up
$250,000
3.30% ▲ 0.53% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.53% above avgNationally 2.88%
Details

APY*: 3.30%

Rate History
No change since Oct 4, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 4, 2026: 3.30% APYOct 4, 2026Oct 12, 2026
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
24 Month Term Share Certificate
$100,001
3.30% ▲ 0.53% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.53% above avgNationally 2.88%
Details

Deposit Amount: $100,001 and up

Rate History
1 change since Oct 4, 2026 · 2.79% → 3.30% ▲ 0.51 pts · high 3.30% / low 2.79%
2.28%3.05%3.81%Oct 4, 2026: 2.79% APYOct 12, 2026: 3.30% APYOct 4, 2026Oct 12, 2026
  • Oct 12, 20263.30%▲ from 2.79%
  • Oct 4, 20262.79%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
24 Month Term
$0
3.25% ▲ 0.48% above South Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.77%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 24 Month Term
$0
3.25% ▲ 0.48% above South Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.77%▲ 0.48% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24 Month Step Up
$100,000
3.25% ▲ 0.48% above South Carolina avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.77%▲ 0.48% above avgNationally 2.88%
Details

APY*: 3.25%

Rate History
No change since Oct 4, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 4, 2026: 3.25% APYOct 4, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
24 Month Term
$0
3.20% ▲ 0.43% above South Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.77%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 12, 2026

Lincolnville 36 Month CD Rates

South Carolina 36 Month CD Average2.65% APYNational 2.81%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Month Certificates
$500
5.00% ▲ 2.35% above South Carolina avg
View
▼
Rate4.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 2.35% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 14, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40%
3.80%4.70%5.60%Sep 14, 2026: 4.40% APYOct 5, 2026: 5.00% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20265.00%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Month IRA Certificates
$500
5.00% ▲ 2.35% above South Carolina avg
View
▼
Rate4.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 2.35% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 14, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40%
3.80%4.70%5.60%Sep 14, 2026: 4.40% APYOct 9, 2026: 5.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.00%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Month Traditional IRA Certificate
$500
5.00% ▲ 2.35% above South Carolina avg
View
▼
Rate4.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 2.35% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 18, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40%
3.80%4.70%5.60%Sep 18, 2026: 4.40% APYOct 5, 2026: 5.00% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20265.00%▲ from 4.40%
  • Sep 18, 20264.40%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month elite jumbo cd
$250,000
4.50% ▲ 1.85% above South Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.85% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 12, 2026
  • 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% ▲ 1.70% above South Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.70% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 12, 2026
  • 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%
IRA Certificate 25-36 month term
$500
4.34% ▲ 1.69% above South Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.69% above avgNationally 2.81%
Details

IRA Certificate2

Rate History
No change since Oct 5, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 5, 2026: 4.34% APYOct 5, 2026Oct 12, 2026
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificate 25-36 month term
$500
4.34% ▲ 1.69% above South Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.69% above avgNationally 2.81%
Details

Share Certificate1

Rate History
No change since Oct 5, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 5, 2026: 4.34% APYOct 5, 2026Oct 12, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
3 Year Share Certificate
$0
4.25% ▲ 1.60% above South Carolina avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.65%▲ 1.60% above avgNationally 2.81%
Details

3 years (1x Bump Up)

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
3 Year Traditional IRA Share Certificate
$0
4.25% ▲ 1.60% above South Carolina avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.65%▲ 1.60% above avgNationally 2.81%
Details

1x Bump Up; IRA Share Certificates (Traditional, Roth, & Coverdell)

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Month Certificates
$500
4.25% ▲ 1.60% above South Carolina avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.60% above avgNationally 2.81%
Details

Balance: $20,000 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 14, 2026: 4.20% APYOct 5, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Month IRA Certificates
$500
4.25% ▲ 1.60% above South Carolina avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.60% above avgNationally 2.81%
Details

Balance: $20,000 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 14, 2026: 4.20% APYOct 5, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Month Traditional IRA Certificate
$500
4.25% ▲ 1.60% above South Carolina avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.60% above avgNationally 2.81%
Details

Balance: $20,000 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 18, 2026: 4.20% APYOct 5, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.25%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month regular cd
$500
4.25% ▲ 1.60% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.60% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
36 Month Thirty-Six Month Term Share Certificate
$0
4.20% ▲ 1.55% above South Carolina avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.55% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 36 Month to 47 Month
$0
4.17% ▲ 1.52% above South Carolina avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.52% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 5, 2026: 4.12% APYOct 9, 2026: 4.17% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.17%▲ from 4.12%
  • Oct 5, 20264.12%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.50% above South Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.65%▲ 1.50% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.45% above South Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.65%▲ 1.45% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Month Share Certificate Accounts - Share
$0
4.05% ▲ 1.40% above South Carolina avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.40% above avgNationally 2.81%
Details

Rate History
3 changes since Sep 18, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 18, 2026: 3.85% APYSep 25, 2026: 3.90% APYOct 5, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Oct 5, 20264.00%▲ from 3.90%
  • Sep 25, 20263.90%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Month Certificates
$500
4.00% ▲ 1.35% above South Carolina avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.35% above avgNationally 2.81%
Details

Balance: $500 - $19,999.99

Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.00% ▼ 0.20 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 4.20% APYSep 21, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 21, 20263.75%▼ from 4.20%
  • Sep 14, 20264.20%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Month IRA Certificates
$500
4.00% ▲ 1.35% above South Carolina avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.35% above avgNationally 2.81%
Details

Balance: $500 - $19,999.99

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Month Traditional IRA Certificate
$500
4.00% ▲ 1.35% above South Carolina avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.35% above avgNationally 2.81%
Details

Balance: $500 - $19,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
4.00% ▲ 1.35% above South Carolina avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.65%▲ 1.35% above avgNationally 2.81%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month Certificate
$500
3.91% ▲ 1.26% above South Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 12, 2026
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
36 Month IRA Share Certificate
$0
3.87% ▲ 1.22% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.22% above avgNationally 2.81%
Details

Balance: $250 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.87% ▲ 0.16 pts · high 3.87% / low 3.71%
3.21%3.79%4.37%Sep 14, 2026: 3.71% APYOct 5, 2026: 3.87% APYSep 14, 2026Oct 12, 2026
  • 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 Share Certificate Accounts
$500
3.82% ▲ 1.17% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.17% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 21, 2026: 3.82% APYSep 21, 2026Oct 12, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
IRA Certificate Accounts - 36 month
$500
3.82% ▲ 1.17% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.17% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month Jumbo Certificate
$100,000
3.75% ▲ 1.10% above South Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 1.10% above avgNationally 2.81%
Details

Minimum Balances of $100,000

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month IRA Plus Certificates
$0
3.75% ▲ 1.10% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.10% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificates Plus
$0
3.75% ▲ 1.10% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 1.10% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
36 Month Certificate of Deposit
$0
3.70% ▲ 1.05% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.65%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month IRA Certificate
$0
3.70% ▲ 1.05% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 1.05% above avgNationally 2.81%
Details

Minimum Balances of $500

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month Certificate
$500
3.65% ▲ 1.00% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 1.00% above avgNationally 2.81%
Details

Minimum Balances of $500

Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
36 Month JUMBO CERTIFICATES
$0
3.55% ▲ 0.90% above South Carolina avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year IRA Certificate Roth Executive
$100,000
3.55% ▲ 0.90% above South Carolina avg
View
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year IRA Certificate Traditional Executive
$100,000
3.55% ▲ 0.90% above South Carolina avg
View
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month IRA Certificate
$0
3.55% ▲ 0.90% above South Carolina avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificate
$0
3.55% ▲ 0.90% above South Carolina avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
36 Month Share & IRA Certificate
$0
3.50% ▲ 0.85% above South Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.85% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year IRA Certificate Roth Premier
$10,000
3.45% ▲ 0.80% above South Carolina avg
View
▼
Rate3.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year IRA Certificate Traditional Premier
$10,000
3.45% ▲ 0.80% above South Carolina avg
View
▼
Rate3.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 12, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
36 Month Certificate
$0
3.41% ▲ 0.76% above South Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36 Month Certificate
$250,000
3.40% ▲ 0.75% above South Carolina avg
View
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 0.75% above avgNationally 2.81%
Details

APY*: 3.40%

Rate History
No change since Oct 4, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 4, 2026: 3.40% APYOct 4, 2026Oct 12, 2026
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
36 Month Share Certificates
$0
3.39% ▲ 0.74% above South Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.74% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 6 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36 Month Certificate
$100,000
3.35% ▲ 0.70% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 0.70% above avgNationally 2.81%
Details

APY*: 3.35%

Rate History
No change since Oct 4, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 4, 2026: 3.35% APYOct 4, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year IRA Certificate Roth
$500
3.35% ▲ 0.70% above South Carolina avg
View
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year IRA Certificate Traditional
$500
3.35% ▲ 0.70% above South Carolina avg
View
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.65%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 12, 2026
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
36 Month Certificates of Deposit
$1,000
3.34% ▲ 0.69% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.69% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
2.74%3.29%3.84%Sep 18, 2026: 3.24% APYOct 2, 2026: 3.34% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20263.34%▲ from 3.24%
  • Sep 18, 20263.24%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
36 Month Term
$0
3.30% ▲ 0.65% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 36 Month Term
$0
3.30% ▲ 0.65% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.65%▲ 0.65% above avgNationally 2.81%
Details

Balance: $100,000+

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36 Month Certificate
$500
3.30% ▲ 0.65% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.65%▲ 0.65% above avgNationally 2.81%
Details

APY*: 3.30%

Rate History
No change since Oct 4, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 4, 2026: 3.30% APYOct 4, 2026Oct 12, 2026

Lincolnville 48 Month CD Rates

South Carolina 48 Month CD Average2.79% APYNational 2.81%▲ 0.06% from last week
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% ▲ 1.96% above South Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.96% 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%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 12, 2026
  • 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 Certificates
$500
4.40% ▲ 1.61% above South Carolina avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.61% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 21, 2026: 4.40% APYSep 21, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month IRA Certificates
$500
4.40% ▲ 1.61% above South Carolina avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.61% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month Traditional IRA Certificate
$500
4.40% ▲ 1.61% above South Carolina avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.61% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 48 Month to 59 Month
$0
4.22% ▲ 1.43% above South Carolina avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.43% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 4.17% → 4.22% ▲ 0.05 pts · high 4.22% / low 4.17%
3.67%4.20%4.72%Oct 5, 2026: 4.17% APYOct 9, 2026: 4.22% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.22%▲ from 4.17%
  • Oct 5, 20264.17%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month Certificates
$500
4.20% ▲ 1.41% above South Carolina avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.41% above avgNationally 2.81%
Details

Balance: $20,000 - $99,999.99

Rate History
No change since Sep 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 21, 2026: 4.20% APYSep 21, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month IRA Certificates
$500
4.20% ▲ 1.41% above South Carolina avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.41% above avgNationally 2.81%
Details

Balance: $20,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month Traditional IRA Certificate
$500
4.20% ▲ 1.41% above South Carolina avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.41% above avgNationally 2.81%
Details

Balance: $20,000 - $99,999.99

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month regular cd
$500
4.20% ▲ 1.41% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.41% 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%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 12, 2026
  • 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 Accounts - Share
$0
4.10% ▲ 1.31% above South Carolina avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.31% above avgNationally 2.81%
Details

Rate History
3 changes since Sep 18, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 18, 2026: 3.90% APYSep 25, 2026: 3.95% APYOct 5, 2026: 4.05% APYOct 9, 2026: 4.10% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.10%▲ from 4.05%
  • Oct 5, 20264.05%▲ from 3.95%
  • Sep 25, 20263.95%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
48 month CD
$1,000
4.06% ▲ 1.27% above South Carolina avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 12, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month Certificate
$500
3.96% ▲ 1.17% above South Carolina avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.17% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 12, 2026
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
48 Month IRA Share Certificate
$0
3.92% ▲ 1.13% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.13% above avgNationally 2.81%
Details

Balance: $250 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.92% APYSep 14, 2026Oct 12, 2026
  • 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 IRA Plus Certificates
$0
3.85% ▲ 1.06% above South Carolina avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.06% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates Plus
$0
3.85% ▲ 1.06% above South Carolina avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 1.06% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Jumbo Certificate
$100,000
3.75% ▲ 0.96% above South Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.81%
Details

Minimum Balances of $100,000

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month Certificates
$500
3.75% ▲ 0.96% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.81%
Details

Balance: $500 - $19,999.99

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month IRA Certificates
$500
3.75% ▲ 0.96% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.81%
Details

Balance: $500 - $19,999.99

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month Traditional IRA Certificate
$500
3.75% ▲ 0.96% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.81%
Details

Balance: $500 - $19,999.99

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
48 Month Forty-Eight Month Term Share Certificate
$0
3.75% ▲ 0.96% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 12, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificate
$500
3.75% ▲ 0.96% above South Carolina avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.81%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
48 Month Certificate of Deposit
$0
3.70% ▲ 0.91% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.79%▲ 0.91% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month IRA Certificate
$0
3.70% ▲ 0.91% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.91% above avgNationally 2.81%
Details

Minimum Balances of $500

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Certificate
$500
3.65% ▲ 0.86% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.86% above avgNationally 2.81%
Details

Minimum Balances of $500

Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month IRA Certificate
$0
3.65% ▲ 0.86% above South Carolina avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificate
$0
3.65% ▲ 0.86% above South Carolina avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
48 Month JUMBO CERTIFICATES
$0
3.55% ▲ 0.76% above South Carolina avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
48 Month Share Certificate Accounts
$500
3.51% ▲ 0.72% above South Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 21, 2026: 3.51% APYSep 21, 2026Oct 12, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
IRA Certificate Accounts - 48 month
$500
3.51% ▲ 0.72% above South Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
48 Month Share & IRA Certificate
$0
3.50% ▲ 0.71% above South Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.71% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
48 Month Certificate
$0
3.41% ▲ 0.62% above South Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.35% ▲ 0.56% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 12, 2026
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
48 Month Share Certificates
$500
3.35% ▲ 0.56% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 12, 2026
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
48 Month Certificates of Deposit
$1,000
3.34% ▲ 0.55% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.55% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
2.74%3.29%3.84%Sep 18, 2026: 3.24% APYOct 2, 2026: 3.34% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20263.34%▲ from 3.24%
  • Sep 18, 20263.24%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.30% ▲ 0.51% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.51% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 12, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4 Year Loyalty Term Share Certificate
$10,000
3.30% ▲ 0.51% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.51% above avgNationally 2.81%
Details

Plus 5 Years of Membership

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.25% ▲ 0.46% above South Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.19% ▲ 0.40% above South Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.40% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 6 times
2.69%3.19%3.69%Sep 18, 2026: 3.19% APYSep 18, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48 Month Certificate
$250,000
3.14% ▲ 0.35% above South Carolina avg
View
▼
Rate3.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.35% above avgNationally 2.81%
Details

APY*: 3.14%

Rate History
No change since Oct 4, 2026 · 3.14% APY · checked 3 times
2.64%3.14%3.64%Oct 4, 2026: 3.14% APYOct 4, 2026Oct 12, 2026
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
48 Month Share Certificates
$0
3.14% ▲ 0.35% above South Carolina avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.35% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 6 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 12, 2026
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
4 Year Share Certificate JUMBO
$50,000
3.10% ▲ 0.31% above South Carolina avg
View
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.79%▲ 0.31% above avgNationally 2.81%
Details

Jumbo Rates Applicable on IRA Certificates

Rate History
1 change since Sep 12, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85%
2.35%2.98%3.60%Sep 12, 2026: 2.85% APYSep 25, 2026: 3.10% APYSep 12, 2026Oct 12, 2026
  • 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
$1,000
3.10% ▲ 0.31% above South Carolina avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.31% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48 Month Certificate
$100,000
3.09% ▲ 0.30% above South Carolina avg
View
▼
Rate3.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.30% above avgNationally 2.81%
Details

APY*: 3.09%

Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 4, 2026: 3.09% APYOct 4, 2026Oct 12, 2026
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48 Month Certificate
$500
3.04% ▲ 0.25% above South Carolina avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.79%▲ 0.25% above avgNationally 2.81%
Details

APY*: 3.04%

Rate History
No change since Oct 4, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 4, 2026: 3.04% APYOct 4, 2026Oct 12, 2026
Santee Cooper Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
48 Month Share Certificate
$500
3.03% ▲ 0.24% above South Carolina avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 9, 2026: 3.03% APYOct 9, 2026Oct 12, 2026
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.00% ▲ 0.21% above South Carolina avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.21% above avgNationally 2.81%
Details

$100,000 OR MORE

Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 8, 2026: 3.00% APYSep 8, 2026Oct 12, 2026
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
4 Year Share Certificate
$500
3.00% ▲ 0.21% above South Carolina avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.79%▲ 0.21% 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%
2.25%2.88%3.50%Sep 12, 2026: 2.75% APYSep 25, 2026: 3.00% APYSep 12, 2026Oct 12, 2026
  • 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%
48 Months Certificate
$0
3.00% ▲ 0.21% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.79%▲ 0.21% above avgNationally 2.81%
Details

Preferred APY: 3.35%

Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 12, 2026: 3.00% APYSep 12, 2026Oct 12, 2026
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
48 Month IRA Certificate
$0
3.00% ▲ 0.21% above South Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.79%▲ 0.21% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 5, 2026: 3.00% APYOct 5, 2026Oct 12, 2026
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
2.90% ▲ 0.11% above South Carolina avg
View
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.79%▲ 0.11% above avgNationally 2.81%
Details

$50,000 - $99,999

Rate History
No change since Oct 7, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 7, 2026: 2.90% APYOct 7, 2026Oct 12, 2026

Lincolnville 60 Month CD Rates

South Carolina 60 Month CD Average2.88% APYNational 2.90%▲ 0.08% from last week
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% ▲ 1.87% above South Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.87% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month regular cd
$500
4.50% ▲ 1.62% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.62% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 12, 2026
  • 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 Certificates
$500
4.40% ▲ 1.52% above South Carolina avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.52% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 21, 2026: 4.40% APYSep 21, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month IRA Certificates
$500
4.40% ▲ 1.52% above South Carolina avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.52% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month Traditional IRA Certificate
$500
4.40% ▲ 1.52% above South Carolina avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.52% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 60 Month
$0
4.32% ▲ 1.44% above South Carolina avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.44% above avgNationally 2.90%
Details

Rate History
1 change since Oct 5, 2026 · 4.27% → 4.32% ▲ 0.05 pts · high 4.32% / low 4.27%
3.77%4.30%4.82%Oct 5, 2026: 4.27% APYOct 9, 2026: 4.32% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.32%▲ from 4.27%
  • Oct 5, 20264.27%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month Certificates
$500
4.20% ▲ 1.32% above South Carolina avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.32% above avgNationally 2.90%
Details

Balance: $20,000 - $99,999.99

Rate History
No change since Sep 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 21, 2026: 4.20% APYSep 21, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month IRA Certificates
$500
4.20% ▲ 1.32% above South Carolina avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.32% above avgNationally 2.90%
Details

Balance: $20,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month Traditional IRA Certificate
$500
4.20% ▲ 1.32% above South Carolina avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.32% above avgNationally 2.90%
Details

Balance: $20,000 - $99,999.99

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Month Share Certificate Accounts - Share
$0
4.20% ▲ 1.32% above South Carolina avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.32% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.05% APYOct 5, 2026: 4.15% APYOct 9, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.20%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 4.05%
  • Sep 25, 20264.05%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month Certificate
$100,000
4.02% ▲ 1.14% above South Carolina avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.88%▲ 1.14% above avgNationally 2.90%
Details

Dividend Rate $500 - $99,999.99: 3.85%; Annual Percentage Yield (APY) $500 - $99,999.99 : 3.92%; Dividend Rate $100,000+: 3.95%; Annual Percentage Yield (APY) $100,000+: 4.02%

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 5 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 12, 2026
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month IRA Certificate
$100,000
4.02% ▲ 1.14% above South Carolina avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.88%▲ 1.14% above avgNationally 2.90%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 8, 2026: 4.02% APYOct 8, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month IRA Plus Certificates
$0
4.01% ▲ 1.13% above South Carolina avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.13% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates Plus
$0
4.01% ▲ 1.13% above South Carolina avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.13% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
60 Month Certificate
$500
4.01% ▲ 1.13% above South Carolina avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.13% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
60 Month IRA Share Certificate
$0
3.97% ▲ 1.09% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.09% above avgNationally 2.90%
Details

Balance: $250 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82%
3.32%3.90%4.47%Sep 14, 2026: 3.82% APYOct 5, 2026: 3.97% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.97%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
60 Month Sixty Month Term Share Certificate
$0
3.95% ▲ 1.07% above South Carolina avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 1.07% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 5, 2026: 3.95% APYOct 5, 2026Oct 12, 2026
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month Certificate
$500
3.92% ▲ 1.04% above South Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.88%▲ 1.04% above avgNationally 2.90%
Details

Dividend Rate $500 - $99,999.99: 3.85%; Annual Percentage Yield (APY) $500 - $99,999.99 : 3.92%; Dividend Rate $100,000+: 3.95%; Annual Percentage Yield (APY) $100,000+: 4.02%

Rate History
2 changes since Sep 14, 2026 · 3.92% → 3.92% ▼ 0.00 pts · high 5.00% / low 3.92%
2.84%4.46%6.08%Sep 14, 2026: 3.92% APYSep 18, 2026: 5.00% APYSep 20, 2026: 3.92% APYSep 14, 2026Oct 12, 2026
  • Sep 20, 20263.92%▼ from 5.00%
  • Sep 18, 20265.00%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month IRA Certificate
$500
3.92% ▲ 1.04% above South Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.88%▲ 1.04% above avgNationally 2.90%
Details

Balance: $500 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 5.00% → 3.92% ▼ 1.08 pts · high 5.00% / low 3.92%
2.84%4.46%6.08%Sep 18, 2026: 5.00% APYOct 8, 2026: 3.92% APYSep 18, 2026Oct 12, 2026
  • Oct 8, 20263.92%▼ from 5.00%
  • Sep 18, 20265.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.02% above South Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.88%▲ 1.02% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.97% above South Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.88%▲ 0.97% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month Jumbo Certificate
$100,000
3.85% ▲ 0.97% above South Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 0.97% above avgNationally 2.90%
Details

Minimum Balances of $100,000

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month IRA Certificate
$0
3.80% ▲ 0.92% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 0.92% above avgNationally 2.90%
Details

Minimum Balances of $500

Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 25, 2026: 3.80% APYSep 25, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month IRA Certificate
$0
3.80% ▲ 0.92% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.92% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 5, 2026: 3.80% APYOct 5, 2026Oct 12, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificate
$0
3.80% ▲ 0.92% above South Carolina avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.92% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 5, 2026: 3.80% APYOct 5, 2026Oct 12, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month Certificate
$500
3.75% ▲ 0.87% above South Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Carolina Average2.88%▲ 0.87% above avgNationally 2.90%
Details

Minimum Balances of $500

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month Certificates
$500
3.75% ▲ 0.87% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.87% above avgNationally 2.90%
Details

Balance: $500 - $19,999.99

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month IRA Certificates
$500
3.75% ▲ 0.87% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.87% above avgNationally 2.90%
Details

Balance: $500 - $19,999.99

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month Traditional IRA Certificate
$500
3.75% ▲ 0.87% above South Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.87% above avgNationally 2.90%
Details

Balance: $500 - $19,999.99

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
60 Month Certificate of Deposit
$0
3.70% ▲ 0.82% above South Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 28, 2026
South Carolina Average2.88%▲ 0.82% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Roth Executive
$100,000
3.60% ▲ 0.72% above South Carolina avg
View
▼
Rate3.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Traditional Executive
$100,000
3.60% ▲ 0.72% above South Carolina avg
View
▼
Rate3.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
60 Month JUMBO CERTIFICATES
$0
3.55% ▲ 0.67% above South Carolina avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.67% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
60 Month Share & IRA Certificate
$0
3.50% ▲ 0.62% above South Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.62% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Roth Premier
$10,000
3.50% ▲ 0.62% above South Carolina avg
View
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.62% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Traditional Premier
$10,000
3.50% ▲ 0.62% above South Carolina avg
View
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.62% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
60 Month Certificate
$500
3.50% ▲ 0.62% above South Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Carolina Average2.88%▲ 0.62% above avgNationally 2.90%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 1, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
60 Month Share Certificates
$500
3.45% ▲ 0.57% above South Carolina avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.57% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 12, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
60 Month Certificate
$0
3.41% ▲ 0.53% above South Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
60 Month Term
$0
3.40% ▲ 0.52% above South Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 12, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year Advantage Share Certificate
$0
3.40% ▲ 0.52% above South Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 12, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year Loyalty Term Share Certificate
$10,000
3.40% ▲ 0.52% above South Carolina avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.52% above avgNationally 2.90%
Details

Plus 5 Years of Membership

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Roth
$500
3.40% ▲ 0.52% above South Carolina avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 12, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Traditional
$500
3.40% ▲ 0.52% above South Carolina avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
South Carolina Average2.88%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
60 Month Term
$0
3.35% ▲ 0.47% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.47% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 12, 2026
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
60 Month Certificates of Deposit
$1,000
3.34% ▲ 0.46% above South Carolina avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.46% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
2.74%3.29%3.84%Sep 18, 2026: 3.24% APYOct 2, 2026: 3.34% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20263.34%▲ from 3.24%
  • Sep 18, 20263.24%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
60 Month Term
$0
3.30% ▲ 0.42% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.42% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 12, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
5 Year Share Certificate
$0
3.29% ▲ 0.41% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.88%▲ 0.41% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 8, 2026: 3.29% APYOct 8, 2026Oct 12, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
5 Year Traditional IRA Share Certificate
$0
3.29% ▲ 0.41% above South Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
South Carolina Average2.88%▲ 0.41% above avgNationally 2.90%
Details

IRA Share Certificates (Traditional, Roth, & Coverdell)

Rate History
No change since Oct 8, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 8, 2026: 3.29% APYOct 8, 2026Oct 12, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
60 Month Term
$0
3.24% ▲ 0.36% above South Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Carolina Average2.88%▲ 0.36% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.24% APY · checked 6 times
2.74%3.24%3.74%Sep 18, 2026: 3.24% APYSep 18, 2026Oct 12, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Lincolnville, South Carolina Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
Coastal States Bank (CSB)
18-Month CD
A+ 5.0 ★ TX: 4.83%
Min: $1,000
4.20%
OPTUS Bank
12-Month Certificate of Deposit
A+ 5.0 ★ TX: 4.68%
Min: $5,000
4.13%
Woodruff Federal S&L
48 month CD
A+ 5.0 ★ TX: 0.82%
Min: $1,000
4.06%
CIT Bank
1-Year CD
A 5.0 ★ TX: 7.72%
Min: $0
4.00%
Beacon Community Bank
12 Month Certificate of Deposit
A+ 5.0 ★ TX: 0.20%
Min: $0
3.91%
CU Top 5 Credit Union Rates
Truliant Federal Credit Union
Limited-Time 12 Month Term (new external funds required)
A 5.0 ★ TX: 6.43%
Min: $0
5.00%
Family Trust Federal Credit Union
36 Month Certificates
A+ 5.0 ★ TX: 4.53%
Min: $500
5.00%
Skyla Federal Credit Union
48 Month elite jumbo cd
A 5.0 ★ TX: 9.56%
Min: $250,000
4.75%
Carolina Trust Federal Credit Union
18 Month Variable Rate IRA Certificate
A+ 5.0 ★ TX: 5.86%
Min: $0
4.54%
Empeople Credit Union
18 Month Certificate
A+ 5.0 ★ TX: 5.75%
Min: $500
4.40%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Lincolnville, SC CD Rate Trends

Compare local Lincolnville, SC CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full South Carolina CD Trends
12-Month CD SC Avg
3.019%
▲ 0.083 vs 7 days ago

South Carolina 12-month CD rates rose 0.083 points over the past 7 days to 3.019% APY.

6-Month CD SC Avg
2.552%
▲ 0.015 vs 7 days ago

South Carolina 6-month CD rates rose 0.015 points over the past 7 days to 2.552% APY.

As of Oct 12, 2026 • Rate data sourced from 8,500+ monitored institutions

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
3.019%
6-Month Forecast
3.019%
Range: 2.82%, 3.17%
12-Month Forecast
3.269%
Range: 3.07%, 3.42%

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

Spread model: The South Carolina 12-month CD average currently trades 1.36% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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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 1.592% $79.57 $159.15 $397.87 $795.75
6-Month CD 2.552% $127.60 $255.20 $638.00 $1,276.00
12-Month CD 3.019% $150.96 $301.93 $754.82 $1,509.65
18-Month CD 2.648% $132.40 $264.80 $662.00 $1,324.00
24-Month CD 2.774% $138.69 $277.38 $693.45 $1,386.90
36-Month CD 2.645% $132.26 $264.51 $661.28 $1,322.55
48-Month CD 2.791% $139.54 $279.07 $697.68 $1,395.35
60-Month CD 2.882% $144.12 $288.24 $720.60 $1,441.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for Lincolnville, South Carolina Savers

$25,000 split equally across 5 terms using today’s South Carolina average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit SC Avg APY Annual Earnings
1 3-Month CD $5,000 1.592% $79.57
2 6-Month CD $5,000 2.552% $127.60
3 12-Month CD $5,000 3.019% $150.96
4 24-Month CD $5,000 2.774% $138.69
5 36-Month CD $5,000 2.645% $132.26
Total ($25,000 invested) $25,000 2.516% blended $629.08/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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775
CD Rates
Tracked in Lincolnville, South Carolina
20 Banks 42 Credit Unions

About Our Lincolnville, South Carolina CD Rate Database

MonitorBankRates tracks 775 CD rates from 20 banks and 42 credit unions with locations in Lincolnville, 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 Lincolnville, South Carolina.

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

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

To find the best APYs in Lincolnville, South Carolina, start with credit unions and online-only banks: Lincolnville, South Carolina has 42 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 Lincolnville, 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 Lincolnville, South Carolina: 62 institutions here report CD rates

Consider an Alternative If…

Lincolnville, South Carolina Financial Snapshot

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

Population 65+
19.9%
National avg: 17.3%
Median Individual Earnings
$31,985
National avg: $47,340
Poverty Rate
23.5%
National avg: 11.1%
Unemployment Rate
3.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$97/yr
At SC 12-mo avg 3.019% APY

19.9% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy. At today’s SC 12-month CD average of 3.019%, saving 10% of the local median salary ($3,198/year) and putting it in a CD would earn an additional $97 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 Lincolnville, 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 Lincolnville, 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 Lincolnville, 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 Lincolnville, South Carolina as everywhere in the U.S.

Choosing a CD Term in Lincolnville, 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 Lincolnville, South Carolina savers easier access to their funds. For example, Greenville Heritage Federal Credit Union is offering its 6 Month Term Share Certificate 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 Lincolnville, 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 Lincolnville, 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 Lincolnville, 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 Lincolnville, 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 Lincolnville, South Carolina

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

Are CD rates in Lincolnville, South Carolina FDIC insured?

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

Here are recent top rates found for this area:
  • Truliant Federal Credit Union: 5.00% APY (Limited-Time 12 Month Term (new external funds required))
  • Family Trust Federal Credit Union: 5.00% APY (36 Month Certificates)
  • Skyla Federal Credit Union: 4.75% APY (48 Month elite jumbo cd)
  • Carolina Trust Federal Credit Union: 4.54% APY (18 Month Variable Rate IRA Certificate)
  • Empeople Credit Union: 4.40% APY (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 Certificate)
  • Duke University Federal Credit Union: 4.34% APY (IRA Certificate 13-24 month term)
  • Houston Federal Credit Union: 4.32% APY (Share Certificate Accounts - IRA & Jumbo - 60 Month)
  • Ukrainian Federal Credit Union: 4.25% APY (3 Year Share Certificate)
Rates reflect recent verified offers available in Lincolnville, South Carolina. Last Updated: October 12, 2026

Lincolnville, 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 Lincolnville, South Carolina rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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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.

Top Lincolnville, South Carolina CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Lincolnville, South Carolina. Averages shown use the South Carolina state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Lincolnville, South Carolina

Lincolnville, 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.

Lincolnville, South Carolina CD Ladder

SC CD rates currently range from 1.592% (3-month) to 2.645% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Lincolnville, 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 Savings

South Carolina’s average 12-month CD is 3.019% 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 Lincolnville, 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 Lincolnville, 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 Lincolnville, 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 12, 2026

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