Manning, South Carolina Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Manning, South Carolina CD rates include SAFE Federal Credit UnionSAFE Federal Credit Union2436 Paxville Hwy, Manning, SC 29102A+5.0 ★Texas Ratio: 3.72%Real return: +0.80%APY minus CPI (February 2026) offering 6 Month IRA Certificates at 3.60% APY, Family Trust Federal Credit UnionFamily Trust Federal Credit UnionA+5.0 ★Texas Ratio: 3.53%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month Certificate at 4.40% APY, Greenville Heritage Federal Credit UnionGreenville Heritage Federal Credit UnionA+5.0 ★Texas Ratio: 1.17%Real return: +1.54%APY minus CPI (February 2026) offering 6 Month Certificate at 4.34% APY, Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 3.68%Real return: +1.47%APY minus CPI (February 2026) offering 60 Month Certificate at 4.27% APY, and Skyla Federal Credit UnionSkyla Federal Credit UnionA5.0 ★Texas Ratio: 6.87%Real return: +1.45%APY minus CPI (February 2026) offering Elite Jumbo CD 48-month at 4.25% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.
Manning has 12 local institutions in our database, with CD rates as high as 3.60% APY from SAFE Federal Credit Union at 2436 Paxville Hwy, Manning, SC 29102. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader South Carolina area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 16, 2026
Compare Best CD Rates in Manning, South Carolina & the Surrounding Area
Manning 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
3 Month IRA Certificates
$100,000
0.90%
▼ 1.14% below national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.14% below avg
Details
Deposit Amount: $100,000+
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
3 Month IRA Certificates
$50,000
0.80%
▼ 1.24% below national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.24% below avg
Details
Deposit Amount: $50,000+
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
3 Month IRA Certificates
$1,000
0.75%
▼ 1.29% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.29% below avg
Details
Deposit Amount: Up to $50,000
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
3 Month IRA Certificate
$0
3.97%
▲ 1.93% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.93% above avg
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
3 Month IRA Certificate
$0
3.87%
▲ 1.83% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.83% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Certificate
$5,000
3.75%
▲ 1.71% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate
$0
3.50%
▲ 1.46% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$100,000
2.50%
▲ 0.46% above national avg
▼
Rate2.47%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.04%▲ 0.46% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3 Month IRA Plus Certificates
$0
2.47%
▲ 0.43% above national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.43% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3 Month Share Certificates Plus
$0
2.47%
▲ 0.43% above national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.43% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$25,000
2.45%
▲ 0.41% above national avg
▼
Rate2.42%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.04%▲ 0.41% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$5,000
2.40%
▲ 0.36% above national avg
▼
Rate2.37%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.04%▲ 0.36% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$250
2.34%
▲ 0.30% above national avg
▼
Rate2.32%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.04%▲ 0.30% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3 Month Share Certificates
$0
2.27%
▲ 0.23% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.23% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 3 Month
$0
2.27%
▲ 0.23% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.23% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
3 Months Certificate
$0
2.25%
▲ 0.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 0.21% above avg
Details
Preferred APY: 2.60%
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
3 Month Certificate
$0
2.01%
▼ 0.03% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.03% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
Penalties may be assessed for early CD & IRA withdrawals.
1st Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3 Month Certificate
$500
2.00%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
90 Days Share Certificate
$500
1.51%
▼ 0.53% below national avg
▼
Rate1.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.53% below avg
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3 Month Certificate of Deposit Accounts Balances Less than or Equal to
$0
1.50%
▼ 0.54% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.54% below avg
Details
$250,000
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%
▼ 0.54% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.54% below avg
Details
$250,000
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
3 Month Certificate
$500
1.50%
▼ 0.54% below national avg
▼
Rate1.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▼ 0.54% below avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 Month Certificate +50k
$0
1.26%
▼ 0.78% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.78% below avg
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 Month Certificate
$1,000
1.25%
▼ 0.79% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▼ 0.79% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Certificate
$0
1.00%
▼ 1.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
TD Choice CD 3 Month
$250
1.00%
▼ 1.04% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Non-Promotional APY
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
3 Month Share Certificates
$0
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 Month Certificate
$0
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Countybank
Institution Rating:
B+4.3 ★Texas Ratio: 5.52%
3 Month Certificate
$1,000
0.98%
▼ 1.06% below national avg
▼
Rate0.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▼ 1.06% below avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
0.95%
▼ 1.09% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.09% below avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
0.90%
▼ 1.14% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.14% below avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
0.85%
▼ 1.19% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.19% below avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
0.80%
▼ 1.24% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.24% below avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Certificate
$0
0.75%
▼ 1.29% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.29% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month CD
$500
0.50%
▼ 1.54% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.04%▼ 1.54% below avg
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Share Certificate
$1,000
0.50%
▼ 1.54% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.54% below avg
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
3 Month Certificate
$0
0.18%
▼ 1.86% below national avg
▼
Rate0.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.86% below avg
Details
A penalty is imposed for early withdrawal.
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
Regular Certificate - 3 months
$500
0.18%
▼ 1.86% below national avg
▼
Rate0.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.86% below avg
Details
Dividends are compounded and credited quarterly. A penalty is imposed for early withdrawal.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.98% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.98% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.98% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.98% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.99% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.99% below avg
Details
Relationship APY 0.06%
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
Regular CD - 90 Days
$0
0.05%
▼ 1.99% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.99% below avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
3 Month Certificates ($100,000)
$500
0.05%
▼ 1.99% below national avg
▼
Rate0.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.99% below avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
3 Month Certificates ($20,000)
$500
0.05%
▼ 1.99% below national avg
▼
Rate0.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.99% below avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
3 Month Certificates ($500)
$500
0.05%
▼ 1.99% below national avg
▼
Rate0.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.99% below avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
3 Month IRA Certificates ($100,000)
$500
0.05%
▼ 1.99% below national avg
▼
Rate0.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.99% below avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
3 Month IRA Certificates ($20,000)
$500
0.05%
▼ 1.99% below national avg
▼
Rate0.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.99% below avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
3 Month IRA Certificates ($500)
$500
0.05%
▼ 1.99% below national avg
▼
Rate0.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.99% below avg
Details
Manning 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
6 Month IRA Certificates
$100,000
3.60%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.85% above avg
Details
Deposit Amount: $100,000+
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
IRA Certificates 6 Month
$100,000
3.60%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.85% above avg
Details
Deposit Amount: $100,000+
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
6 Month IRA Certificates
$50,000
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
Deposit Amount: $50,000+
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
IRA Certificates 6 Month
$50,000
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
Deposit Amount: $50,000+
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
6 Month IRA Certificates
$1,000
3.45%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.70% above avg
Details
Deposit Amount: Up to $50,000
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
IRA Certificates 6 Month
$1,000
3.45%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.70% above avg
Details
Deposit Amount: Up to $50,000
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
6 Month Certificate
$100,001
4.34%
▲ 1.59% above national avg
▼
Rate4.25%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.59% above avg
Details
Deposit Amount: $100,001 and up
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
6 Month Certificate
$50,001
4.08%
▲ 1.33% above national avg
▼
Rate4.00%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.33% above avg
Details
Deposit Amount: $50,001 to $100,000.99
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month IRA Certificate
$0
3.97%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.22% above avg
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month Certificate
$0
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month IRA Certificate
$0
3.87%
▲ 1.12% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.12% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 Month Share Certificate Accounts - IRA & Jumbo
$0
3.87%
▲ 1.12% above national avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.12% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
6 Month Certificate
$1,000
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.07% above avg
Details
Deposit Amount: $1,000 to $50,000.99
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificate Accounts - Share 6 Month to 11 Month
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 6-month
$50,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 Month Certificate
$0
3.66%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.91% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 6-month
$500
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 6-month
$500
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 Month Certificate ($50,000.00)
$0
3.61%
▲ 0.86% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.86% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 Month Certificate ($75,000.00)
$0
3.61%
▲ 0.86% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.86% above avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
6 Month Certificate +50k
$0
3.59%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.84% above avg
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 Month Certificate ($1,000.00)
$0
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.81% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 Month Certificate ($10,000.00)
$0
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.81% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 Month Certificate ($25,000.00)
$0
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.81% above avg
Details
Coastal States Bank (CSB)
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month CD
$0
3.55%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.80% above avg
Details
Rates accurate as of 02/03/2026. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
6 Month Certificate
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.80% above avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
6 Month Certificate
$0
3.54%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.79% above avg
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6 Month IRA Share Certificate
$0
3.45%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.70% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Executive - 6 Months
$100,000
3.45%
▲ 0.70% above national avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.70% above avg
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
6 Month Share Certificates
$0
3.39%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Premier - 6 Months
$10,000
3.35%
▲ 0.60% above national avg
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.60% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
6 Month IRA Plus Certificates
$0
3.34%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.59% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
6 Month Share Certificates Plus
$0
3.34%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.59% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate Accounts - 6 month
$500
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.55% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate Accounts - 6 month
$500
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.55% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$1,000
3.25%
▲ 0.50% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.50% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 Month Term Share Certificate
$1,000
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.50% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular - 6 Months
$500
3.25%
▲ 0.50% above national avg
▼
Rate3.19%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.50% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$1,000
3.20%
▲ 0.45% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.45% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
6 Month Share Certificates
$0
3.14%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.39% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 6 Month
$0
3.14%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.39% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Term
$100,000
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.75%▲ 0.25% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Term
$25,000
2.95%
▲ 0.20% above national avg
▼
Rate2.91%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.75%▲ 0.20% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Term
$5,000
2.90%
▲ 0.15% above national avg
▼
Rate2.86%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.75%▲ 0.15% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
6 Months Certificate
$0
2.90%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 0.15% above avg
Details
Preferred APY: 3.25%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Term
$250
2.84%
▲ 0.09% above national avg
▼
Rate2.81%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.75%▲ 0.09% above avg
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Months Share Certificate
$500
2.53%
▼ 0.22% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 0.22% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6 Month CD
$500
2.25%
▼ 0.50% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 0.50% below avg
Details
Penalties may be assessed for early CD & IRA withdrawals.
Manning 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Certificate
$500
4.25%
▲ 1.33% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
SmartStart 12 Month Certificate
$0
4.16%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.24% above avg
Details
Deposits allowed at any time! Fixed rate with guaranteed dividends. After the fixed rate certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawals. Fees could reduce earnings.
OPTUS Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
12-Month Certificate of Deposit
$5,000
4.13%
▲ 1.21% above national avg
▼
Rate4.05%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.92%▲ 1.21% above avg
Details
Qualifying new relationship clients only. Rates are fixed for the term of the CD. Fees may reduce earnings. Offers may be withdrawn at any time without notice. Rates effective through December 31, 2026.
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
12 Month Certificate
$100,001
4.08%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.16% above avg
Details
Deposit Amount: $100,001 and up
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month Certificate
$500
4.06%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 12-month
$250,000
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Certificate Special
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
12 Month Share Certificate Accounts - IRA & Jumbo
$0
3.97%
▲ 1.05% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.05% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month Certificate
$0
3.92%
▲ 1.00% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.00% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month IRA Certificate
$0
3.92%
▲ 1.00% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.00% above avg
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Month Certificate
$0
3.91%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.99% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month Certificate ($50,000.00)
$0
3.87%
▲ 0.95% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.95% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month Certificate ($75,000.00)
$0
3.87%
▲ 0.95% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.95% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month IRA Certificate ($50,000.00)
$0
3.87%
▲ 0.95% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.95% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month IRA Certificate ($75,000.00)
$0
3.87%
▲ 0.95% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.95% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificate Accounts - Share 12 Month to 17 Month
$0
3.85%
▲ 0.93% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 12-month
$50,000
3.85%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
12 Month Certificate
$50,001
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 0.90% above avg
Details
Deposit Amount: $50,001 to $100,000.99
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month Certificate ($1,000.00)
$0
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.90% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month Certificate ($10,000.00)
$0
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.90% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month Certificate ($25,000.00)
$0
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.90% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month IRA Certificate ($10,000.00)
$0
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.90% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month IRA Certificate ($25,000.00)
$0
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.90% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month IRA Certificate ($500.00)
$0
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.90% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
IRA Certificate - 6-12 month term
$500
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.90% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Share Certificate - 6-12 month term
$500
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.90% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month Certificate
$500
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month SmartStart
$100
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month Certificate +50k
$0
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month Certificate IRA & +25k
$0
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Month Certificate ($100,000)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Roth and SEP also available
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Month Certificate ($20,000)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Roth and SEP also available
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Month Certificate ($500)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Roth and SEP also available
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Month IRA Certificates ($100,000)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Month IRA Certificates ($20,000)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Month IRA Certificates ($500)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Month Traditional IRA Certificates ($100,000)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Roth and SEP also available
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Month Traditional IRA Certificates ($20,000)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Roth and SEP also available
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Month Traditional IRA Certificates ($500)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Roth and SEP also available
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Explorer's Club Certificate - 12 Month ($100)
$100
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Explorer's Club Certificate - 12 Month ($100,000)
$100
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Explorer's Club Certificate - 12 Month ($20,000)
$100
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 12 Month ($100,000)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Roth and SEP also available
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 12 Month ($20,000)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Roth and SEP also available
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 12 Month ($500)
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Roth and SEP also available
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
12 Month Certificate
$0
3.75%
▲ 0.83% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 1 year
$500
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 12-month
$500
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
12 Month Term Certificate
$0
3.72%
▲ 0.80% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.92%▲ 0.80% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12 Month Individual Retirement Account (IRA) Certificate
$0
3.72%
▲ 0.80% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.80% above avg
Details
Manning 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Certificate
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.38% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month Jumbo CD
$50,000
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
18 Month Variable Rate IRA Certificate
$0
4.07%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.25% above avg
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
18 Month Variable Rate Share Certificate
$0
4.07%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.25% above avg
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
18 Month IRA Share Certificate
$0
4.07%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.25% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month CD
$500
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 18-month
$50,000
3.90%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 18-month
$500
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 18-month
$500
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate Special
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 Month IRA Certificate
$0
3.71%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.89% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 Month Share Certificate Accounts - IRA & Jumbo
$0
3.67%
▲ 0.85% above national avg
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.85% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 Month IRA Certificate ($50,000.00)
$0
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.84% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 Month IRA Certificate ($75,000.00)
$0
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.84% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 Month IRA Certificate ($10,000.00)
$0
3.61%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.79% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 Month IRA Certificate ($25,000.00)
$0
3.61%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.79% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 Month IRA Certificate ($500.00)
$0
3.61%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.79% above avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificate +50k
$0
3.59%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.77% above avg
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
18 Month JUMBO CERTIFICATES
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificate Accounts - Share 18 Month to 23 Month
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificate
$0
3.54%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.72% above avg
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
18 Month SHARE & IRA CERTIFICATES
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
18 Month Certificate
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.67% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
18 Month IRA Plus Certificates
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.62% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
18 Month Share Certificates Plus
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.62% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
18 Month Certificate
$100,001
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.48% above avg
Details
Deposit Amount: $100,001 and up
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
18 Month Share Certificates
$0
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.42% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 18 Month
$0
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.42% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
18 Month Term
$100,000
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 0.38% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.20%
▲ 0.38% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.38% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
18 Month Term
$25,000
3.15%
▲ 0.33% above national avg
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 0.33% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
18 Months Certificate
$0
3.15%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.33% above avg
Details
Preferred APY: 3.50%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
18 Month Term
$5,000
3.10%
▲ 0.28% above national avg
▼
Rate3.05%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 0.28% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.10%
▲ 0.28% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.28% above avg
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Months Share Certificate
$500
3.09%
▲ 0.27% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.27% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.05%
▲ 0.23% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.23% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
18 Month Certificate
$50,001
3.05%
▲ 0.23% above national avg
▼
Rate3.00%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.23% above avg
Details
Deposit Amount: $50,001 to $100,000.99
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
18 Month Term
$250
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 0.22% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
18 Month Certificate
$1,000
3.03%
▲ 0.21% above national avg
▼
Rate0.03%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.21% above avg
Details
Dividends Compounded/Credited Semi-Annually
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.00%
▲ 0.18% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.18% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate
$0
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.18% above avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
18 Month Certificate
$1,000
2.79%
▼ 0.03% below national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▼ 0.03% below avg
Details
Deposit Amount: $1,000 to $50,000.99
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
18 Months CD
$500
2.57%
▼ 0.25% below national avg
▼
Rate2.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.25% below avg
Details
Quarterly Dividend Paid
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
18 Month Certificate
$500
2.52%
▼ 0.30% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.30% below avg
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
18 Month Certificate of Deposit Accounts Balances Less than or Equal to
$0
2.50%
▼ 0.32% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.32% below avg
Details
$250,000
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Certificate of Deposit Accounts Balances Greater than - 18 Months
$0
2.50%
▼ 0.32% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.32% below avg
Details
$250,000
Manning 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
24 Month Certificate
$100,000
2.35%
▼ 0.49% below national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.49% below avg
Details
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
24 Month Certificate
$50,000
2.25%
▼ 0.59% below national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.59% below avg
Details
SAFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2436 Paxville Hwy, Manning, SC 29102
24 Month Certificate
$1,000
2.20%
▼ 0.64% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.64% below avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Month Certificate
$500
4.11%
▲ 1.27% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.27% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 24-month
$250,000
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
IRA Certificate - 13-24 month term
$500
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.24% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Share Certificate - 13-24 month term
$500
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.24% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate Accounts - 24 month
$500
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.23% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate Accounts - 24 month
$500
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.23% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month Certificate ($100,000)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month Certificate ($20,000)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month Certificate ($500)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month IRA Certificates ($100,000)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month IRA Certificates ($20,000)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month IRA Certificates ($500)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month Traditional IRA Certificates ($100,000)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month Traditional IRA Certificates ($20,000)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Month Traditional IRA Certificates ($500)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 24 Month ($100,000)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 24 Month ($20,000)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 24 Month ($500)
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 24-month
$50,000
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.11% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Month Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 2 year
$500
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 24-month
$500
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Executive IRA Certificate
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Traditional Executive IRA Certificate
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
24 Month Share Certificate Accounts - IRA & Jumbo
$0
3.72%
▲ 0.88% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.88% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Premier IRA Certificate
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Traditional Premier IRA Certificate
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
24 Month IRA Share Certificate
$0
3.66%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.82% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificate Accounts - Share 24 Month to 29 Month
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth IRA Certificate
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Traditional IRA Certificate
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
24 Month Share Certificates
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
24 Month Certificate
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.72% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
24 Month JUMBO CERTIFICATES
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
24 Month Certificate
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
24 Month Certificate ($50,000.00)
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.67% above avg
Details
Manning 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month Certificate
$500
4.40%
▲ 1.63% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.63% above avg
Details
1
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month IRA Certificates
$500
4.40%
▲ 1.63% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.63% above avg
Details
See footnote 1
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month Traditional IRA Certificates
$500
4.40%
▲ 1.63% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.63% above avg
Details
1
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 36 Month
$500
4.40%
▲ 1.63% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.63% above avg
Details
1
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month Certificate
$500
4.20%
▲ 1.43% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
1
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month IRA Certificates
$500
4.20%
▲ 1.43% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
See footnote 1
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month Traditional IRA Certificates
$500
4.20%
▲ 1.43% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
1
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 36 Month
$500
4.20%
▲ 1.43% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
1
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate
$500
4.16%
▲ 1.39% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.39% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 36-month
$250,000
4.15%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
IRA Certificate - 25-36 month term
$500
4.08%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.31% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Share Certificate - 25-36 month term
$500
4.08%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.31% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 36-month
$50,000
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate
$500
3.91%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.14% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 3 year
$500
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 36-month
$500
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
36 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.77%▲ 1.05% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 Month Share Certificate Accounts - IRA & Jumbo
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate Accounts - 36 month
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate Accounts - 36 month
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
1
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month IRA Certificates
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
See footnote 1
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Month Traditional IRA Certificates
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
1
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 36 Month
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
1
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
36 Month IRA Plus Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
36 Month Share Certificates Plus
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
36 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month IRA Share Certificate
$0
3.71%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.94% above avg
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
36 Month Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificate Accounts - Share 36 Month to 47 Month
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
36 Month JUMBO CERTIFICATES
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Roth Executive
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Traditional Executive
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Roth Executive IRA Certificate
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Traditional Executive IRA Certificate
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
36 Month Share Certificates
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 36 Month
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Year Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.73% above avg
Details
1x Bump Up
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
36 Month SHARE & IRA CERTIFICATES
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Roth Premier
$10,000
3.45%
▲ 0.68% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Traditional Premier
$10,000
3.45%
▲ 0.68% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Roth Premier IRA Certificate
$10,000
3.45%
▲ 0.68% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Traditional Premier IRA Certificate
$10,000
3.45%
▲ 0.68% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
36 Month Share Certificates
$0
3.39%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.62% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Roth
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Traditional
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Roth IRA Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Traditional IRA Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
Manning 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month Certificate
$500
4.40%
▲ 1.62% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.62% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month IRA Certificates
$500
4.40%
▲ 1.62% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.62% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month Traditional IRA Certificates
$500
4.40%
▲ 1.62% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.62% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 48 Month
$500
4.40%
▲ 1.62% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.62% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 48-month
$250,000
4.25%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Month Certificate
$500
4.22%
▲ 1.44% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.44% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month Certificate
$500
4.20%
▲ 1.42% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.42% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month IRA Certificates
$500
4.20%
▲ 1.42% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.42% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month Traditional IRA Certificates
$500
4.20%
▲ 1.42% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.42% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 48 Month
$500
4.20%
▲ 1.42% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.42% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 48-month
$500
4.00%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Month Certificate
$500
3.96%
▲ 1.18% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.18% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Share Certificate Accounts - IRA & Jumbo
$0
3.87%
▲ 1.09% above national avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.09% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
48 Month IRA Plus Certificates
$0
3.85%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
48 Month Share Certificates Plus
$0
3.85%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
48 Month Term Certificate
$0
3.82%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 1.04% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.04% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Term Certificate
$0
3.82%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.04% above avg
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
48 Month IRA Share Certificate
$0
3.76%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.98% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month Certificate
$500
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month IRA Certificates
$500
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month Traditional IRA Certificates
$500
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 48 Month
$500
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificate Accounts - Share 48 Month to 59 Month
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
48 Month Certificate
$0
3.70%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.92% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
48 Month Share Certificates
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 48 Month
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
48 Month JUMBO CERTIFICATES
$0
3.55%
▲ 0.77% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.77% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate Accounts - 48 month
$500
3.51%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.73% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate Accounts - 48 month
$500
3.51%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.73% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
48 Month SHARE & IRA CERTIFICATES
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month Certificate
$500
3.50%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$100,000
3.35%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 0.57% above avg
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Months Share Certificate
$500
3.35%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.57% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$25,000
3.30%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 0.52% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4 Year Loyalty Term Share Certificate
$10,000
3.30%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.52% above avg
Details
Plus 5 Years of Membership; Effective December 29, 2025
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$5,000
3.25%
▲ 0.47% above national avg
▼
Rate3.20%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 0.47% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$250
3.19%
▲ 0.41% above national avg
▼
Rate3.15%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 0.41% above avg
Details
CPM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
48 Month Share Certificates
$0
3.14%
▲ 0.36% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.36% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4 Year Term Share Certificate
$1,000
3.10%
▲ 0.32% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.32% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.00%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▲ 0.22% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
48 Months Certificate
$0
3.00%
▲ 0.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.22% above avg
Details
Preferred APY: 3.35%
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
2.90%
▲ 0.12% above national avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▲ 0.12% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
2.85%
▲ 0.07% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▲ 0.07% above avg
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
4 Year Share Certificate JUMBO
$50,000
2.85%
▲ 0.07% above national avg
▼
Rate2.81%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.07% above avg
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
2.80%
▲ 0.02% above national avg
▼
Rate2.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▲ 0.02% above avg
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
48 Month Certificate
$0
2.78%
At national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%At the average
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
4 Year Share Certificate
$500
2.75%
▼ 0.03% below national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▼ 0.03% below avg
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
48 Month Certificate
$100,001
2.53%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.78%▼ 0.25% below avg
Details
Deposit Amount: $100,001 and up
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
4 Year Certificate
$0
2.52%
▼ 0.26% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▼ 0.26% below avg
Details
Manning 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month Certificate
$500
4.40%
▲ 1.54% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.54% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month IRA Certificates
$500
4.40%
▲ 1.54% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.54% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month Traditional IRA Certificates
$500
4.40%
▲ 1.54% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.54% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 60 Month
$500
4.40%
▲ 1.54% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.54% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
60 Month Certificate
$500
4.27%
▲ 1.41% above national avg
▼
Rate4.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.41% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 60-month
$250,000
4.25%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.39% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month Certificate
$500
4.20%
▲ 1.34% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month IRA Certificates
$500
4.20%
▲ 1.34% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month Traditional IRA Certificates
$500
4.20%
▲ 1.34% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 60 Month
$500
4.20%
▲ 1.34% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Certificate
$0
4.02%
▲ 1.16% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.16% above avg
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificate Account - 60 months
$0
4.02%
▲ 1.16% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.16% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
60 Month IRA Plus Certificates
$0
4.01%
▲ 1.15% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.15% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
60 Month Share Certificates Plus
$0
4.01%
▲ 1.15% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.15% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
60 Month Certificate
$500
4.01%
▲ 1.15% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.15% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 5 year
$500
4.00%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 60-month
$500
4.00%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month Share Certificate Accounts - IRA & Jumbo
$0
3.97%
▲ 1.11% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.11% above avg
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Certificate
$0
3.92%
▲ 1.06% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.06% above avg
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificate Account - 60 months
$0
3.92%
▲ 1.06% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.06% above avg
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificate Accounts - Share 60 Month
$0
3.85%
▲ 0.99% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
60 Month Term Certificate
$0
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▲ 0.96% above avg
Details
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
60 Month IRA Share Certificate
$0
3.82%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.96% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.96% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Term Certificate
$0
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.96% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
60 Month Share Certificates
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 60 Month
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month Certificate
$500
3.75%
▲ 0.89% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month IRA Certificates
$500
3.75%
▲ 0.89% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 Month Traditional IRA Certificates
$500
3.75%
▲ 0.89% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Traditional IRA Certificates - 60 Month
$500
3.75%
▲ 0.89% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
60 Month Certificate
$0
3.70%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.84% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth Executive
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional Executive
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Roth Executive IRA Certificate
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Traditional Executive IRA Certificate
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
60 Month JUMBO CERTIFICATES
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
60 Month SHARE & IRA CERTIFICATES
$0
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth Premier
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional Premier
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Roth Premier IRA Certificate
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Traditional Premier IRA Certificate
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Months Share Certificate
$500
3.45%
▲ 0.59% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.59% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 Month Term
$100,000
3.40%
▲ 0.54% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▲ 0.54% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
5 Year Advantage Share Certificate
$0
3.40%
▲ 0.54% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
5 Year Loyalty Term Share Certificate
$10,000
3.40%
▲ 0.54% above national avg
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
Plus 5 Years of Membership; Effective December 29, 2025
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth
$500
3.40%
▲ 0.54% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional
$500
3.40%
▲ 0.54% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Roth IRA Certificate
$500
3.40%
▲ 0.54% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Traditional IRA Certificate
$500
3.40%
▲ 0.54% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Manning, SC CD Rate Trends
Compare local Manning, SC CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD SC Avg
2.921%
▲ 0.081 vs 7 days ago
South Carolina 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
6-Month CD SC Avg
2.746%
▲ 0.076 vs 7 days ago
South Carolina 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
SC CD Rate Forecast, Next 12 Months
Where are South Carolina CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
SC 12-Month Avg APY
2.921%
6-Month Forecast
2.921%
Range: 2.72% – 3.07%
12-Month Forecast
3.171%
Range: 2.97% – 3.32%
Powered by
MonitorBankRates
What Your Savings Earn at SC CD Rates Today
Annual interest earnings at today’s South Carolina average APYs. State average used where available; national average as fallback.
| CD Term | SC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026. | |||||
Sample CD Ladder for Manning, South Carolina Savers
$25,000 split equally across 5 terms using today’s South Carolina average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | SC Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/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.
679
CD Rates
Tracked in Manning, South Carolina
Tracked in Manning, South Carolina
16 Banks
37 Credit Unions
About Our Manning, South Carolina CD Rate Database
MonitorBankRates tracks 679 CD rates from 16 banks and 37 credit unions with locations in Manning, South Carolina, plus national online institutions available to South Carolina residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: SAFE Federal Credit Union offers a CD at 3.60% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Manning, South Carolina.
How to Find the Best CD Rates in Manning, South Carolina
What to compare when shopping for a CD in Manning, South Carolina
To find the best APYs in Manning, South Carolina, start with credit unions and online-only banks: Manning, South Carolina has 37 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 Manning, 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 Manning, South Carolina: 53 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Manning, South Carolina savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Manning, South Carolina money market rates
Manning, South Carolina Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
40.3%
National avg: 17.3%
Median Individual Earnings
$33,467
National avg: $47,340
Poverty Rate
17.7%
National avg: 11.1%
Unemployment Rate
7.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$98/yr
At SC 12-mo avg 2.921% APY
40.3% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; an unemployment rate of 7.2% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s SC 12-month CD average of 2.921%, saving 10% of the local median salary ($3,346/year) and putting it in a CD would earn an additional $98 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 Manning, South Carolina
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Manning, 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 Manning, 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 Manning, South Carolina as everywhere in the U.S.
Choosing a CD Term in Manning, 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 Manning, South Carolina savers easier access to their funds. For example, SAFE Federal Credit Union is offering its 6 Month IRA Certificates at 3.60% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Family Trust Federal Credit Union is offering its 60 Month Certificate at 4.40% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Manning, 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 Manning, 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 Manning, 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 Manning, 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 Manning, South Carolina
Most CDs carry a fixed rate that is locked for the entire term, protecting a Manning, 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 Manning, South Carolina
Are CD rates in Manning, South Carolina FDIC insured?
Yes, most established banks in Manning, 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 Manning, 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 Manning, 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 Manning, 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 Manning, South Carolina?
Here are recent top rates found for this area:
- SAFE Federal Credit Union: 3.60% APY (6 Month IRA Certificates)
- Family Trust Federal Credit Union: 4.40% APY (36 Month Certificate)
- Greenville Heritage Federal Credit Union: 4.34% APY (6 Month Certificate)
- Founders Federal Credit Union: 4.27% APY (60 Month Certificate)
- Skyla Federal Credit Union: 4.25% APY (Elite Jumbo CD 48-month)
- Empeople Credit Union: 4.25% APY (12 Month Certificate)
- OPTUS Bank: 4.13% APY (12-Month Certificate of Deposit)
- Duke University Federal Credit Union: 4.08% APY (IRA Certificate - 13-24 month term)
- Carolina Trust Federal Credit Union: 4.07% APY (18 Month Variable Rate IRA Certificate)
- Carolinas Telco Federal Credit Union: 4.07% APY (IRA Certificate Accounts - 24 month)
Rates reflect recent verified offers available in Manning, South Carolina. Last Updated: September 16, 2026
Manning, 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 Manning, South Carolina rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Manning, South Carolina
Manning, South Carolina CD Calculator
At today’s SC top rate of 3.60% APY, a $10,000 deposit earns $360 in the first year. Enter your amount to see your exact return.
Manning, South Carolina CD LadderSC CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Manning, South Carolina CD at 3.60% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsSouth Carolina’s average 12-month CD is 2.921% 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 Manning, 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 Manning, 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 Manning, South Carolina. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in SC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 16, 2026
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