CD Rates Ruby, South Carolina (SC) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Ruby, South Carolina CD rates include Founders Federal Credit UnionFounders Federal Credit Union607 N Main St, Lancaster, SC 29720A+5.0 ★Texas Ratio: 4.65% offering 60 Month Fixed Rate IRA Certificates at 4.22% APY, Skyla Federal Credit UnionSkyla Federal Credit Union269 Harwich St, Rock Hill, SC 29730A5.0 ★Texas Ratio: 6.28% offering Elite Jumbo CD 36-month at 4.15% APY, SPC Credit UnionSPC Credit Union204 N 5th St, Hartsville, SC 29550 4136A5.0 ★Texas Ratio: 7.96% offering 24 Month Certificate at 4.07% APY, Woodruff Federal S&LWoodruff Federal S&L247 N Main St, Woodruff, SC 29388A+5.0 ★Texas Ratio: 1.56% offering CD 12 month at 3.91% APY, and Family Trust Federal Credit UnionFamily Trust Federal Credit Union225 White St W, Rock Hill, SC 29730 4039A+5.0 ★Texas Ratio: 4.11% offering 24 Month Certificate at 3.90% APY. CD rates as of March 28, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Ruby, South Carolina, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 28, 2026
Compare Best CD Rates in Ruby, South Carolina & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
3 Month Share Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3621 Pelham Rd, Greenville, SC 29615
3 Month Term Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
3 Month Certificates of Deposit
$1,000
0.93%
▼
Rate0.93%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
3 Month Certificate
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
3 Month Share Certificate
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
16 Broad St, Charleston, SC 29401
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
3 Month Certificate
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
6 month Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 6 Month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
269 Harwich St, Rock Hill, SC 29730
Regular CD 6-month
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5 Bow Cir, Hilton Head Island, SC 29928
6 Month CDs
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
204 N 5th St, Hartsville, SC 29550 4136
6 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
6 Month IRA Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$250 Minimum Balance
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3621 Pelham Rd, Greenville, SC 29615
6 Month Term Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
6 Month Share Certificate
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
6 Month Share Certificate
$1,000
2.25%
▼
Rate2.24%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
6 Month Certificate
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1202 N Cashua Dr, Florence, SC 29501
Certificates minimum) 6 Month
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1,000
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1722 Gregg Ave, Florence, SC 29501
6-Month IRA Share Certificate
$1
1.20%
▼
Rate1.19%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
6 Month Certificates of Deposit
$1,000
0.92%
▼
Rate0.92%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
265 Sea Island Pkwy, Beaufort, SC 29907 1535
6-Month IRA
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
6 Month Certificate
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
16 Broad St, Charleston, SC 29401
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
144 S Main St, Bishopville, SC 29010
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
269 Harwich St, Rock Hill, SC 29730
Elite Jumbo CD 12-month
$250,000
4.00%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
247 N Main St, Woodruff, SC 29388
CD 12 month
$1,000
3.91%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 12 Month to 17 Month
$0
3.87%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1545 Sumter St, Columbia, SC 29201
1-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
12 Month Fixed Rate IRA Certificates
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
204 N 5th St, Hartsville, SC 29550 4136
12 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
143 Old Jackson Hwy, Beech Island, SC 29842
1 Year Loyalty Term Share Certificate
$10,000
3.65%
▼
Rate3.59%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
1 Year Share Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
12 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
12 month Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
12 Month Share Certificate
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
280 Commonwealth Dr, Greenville, SC 29615 4813
IRA Certificate 6-12 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
33 Salkehatchie Rd, Yemassee, SC 29945
12-month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
1st Federal Savings Bank of SC
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
300 Robertson Blvd, Walterboro, SC 29488
12-month CD
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3621 Pelham Rd, Greenville, SC 29615
12 Month Term Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
265 Sea Island Pkwy, Beaufort, SC 29907 1535
12-Month IRA
$500
3.09%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
12 Month IRA Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$250 Minimum Balance
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
IRA Certificates 12 Month Small Saver
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
201 Bi Lo Blvd, Greenville, SC 29607 5346
Regular, IRA, & ESA Certificate 12 Month Accumulator
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
1 Year Certificate JUMBO
$50,000
2.10%
▼
Rate2.08%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
256 Meeting St, Charleston, SC 29401
Certificate of Deposit Accounts Balances Less than or Equal to 1 Year
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$250,000
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1722 Gregg Ave, Florence, SC 29501
1-Year IRA Share Certificate
$1,000
1.55%
▼
Rate1.54%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
225 W Blackstock Rd, Spartanburg, SC 29301
Share Certificates1 1 year
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
16 Broad St, Charleston, SC 29401
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
307 N Main St, Marion, SC 29571
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
12 Month Certificates of Deposit
$1,000
0.89%
▼
Rate0.89%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1229 W Floyd Baker Blvd, Gaffney, SC 29341
CDs - Fixed 1 Year
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
144 S Main St, Bishopville, SC 29010
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
269 Harwich St, Rock Hill, SC 29730
Jumbo CD senior 18-month
$50,000
4.10%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 18 Month Special
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
18 Month Share Certificate
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3621 Pelham Rd, Greenville, SC 29615
18 Month Term Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
204 N 5th St, Hartsville, SC 29550 4136
18 Month Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
18 Month Variable Rate IRA Certificate
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$250 Minimum Balance
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1722 Gregg Ave, Florence, SC 29501
18-Month IRA Certificate
$1,000
1.65%
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
307 N Main St, Marion, SC 29571
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
18 Month Certificates of Deposit
$1,000
0.88%
▼
Rate0.88%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
269 Harwich St, Rock Hill, SC 29730
Elite Jumbo CD 24-month
$250,000
4.10%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
204 N 5th St, Hartsville, SC 29550 4136
24 Month Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
24 Month Fixed Rate IRA Certificates
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
24 Month Certificate
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 24 Month to 29 Month
$0
3.57%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 24 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
24 month Share Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3621 Pelham Rd, Greenville, SC 29615
24 Month Term Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1320 Washington St, Columbia, SC 29201 3382
24 Month Step Up Certificate
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
24 Month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
24 Month IRA Certificate
$0
2.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$250 Minimum Balance
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
2 Year Certificate JUMBO
$50,000
2.35%
▼
Rate2.32%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1722 Gregg Ave, Florence, SC 29501
2-Year IRA Share Certificate
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
307 N Main St, Marion, SC 29571
24 Month Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
24 Month Certificates of Deposit
$1,000
0.87%
▼
Rate0.87%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
269 Harwich St, Rock Hill, SC 29730
Elite Jumbo CD 36-month
$250,000
4.15%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
36 Month Fixed Rate IRA Certificates
$500
4.01%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
36 Month Certificate
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 36 Month to 47 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
225 W Blackstock Rd, Spartanburg, SC 29301
3-year (1x bump-up) IRA Share Certificate special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1545 Sumter St, Columbia, SC 29201
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
280 Commonwealth Dr, Greenville, SC 29615 4813
IRA Certificate 25-36 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3621 Pelham Rd, Greenville, SC 29615
36 Month Term Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
36 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
36 month Share Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
247 N Main St, Woodruff, SC 29388
CD 36 month
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
3 Year Certificate JUMBO
$50,000
2.60%
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
36 Month IRA Certificate
$0
2.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$250 Minimum Balance
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 36 Month
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1722 Gregg Ave, Florence, SC 29501
3-Year IRA Share Certificate
$1,000
1.45%
▼
Rate1.44%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
307 N Main St, Marion, SC 29571
3 Year Certificate
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
36 Month Certificates of Deposit
$1,000
0.87%
▼
Rate0.87%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
48 Month Fixed Rate IRA Certificates
$500
4.11%
▼
Rate4.05%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
48 Month Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
269 Harwich St, Rock Hill, SC 29730
Regular CD 48-month
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
265 Sea Island Pkwy, Beaufort, SC 29907 1535
48-Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3621 Pelham Rd, Greenville, SC 29615
48 Month Term Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
204 N 5th St, Hartsville, SC 29550 4136
48 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
247 N Main St, Woodruff, SC 29388
CD 48 month
$1,000
3.19%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
48 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
4 Year Share Certificate JUMBO
$50,000
2.85%
▼
Rate2.81%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
48 month Share Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
48 Month IRA Certificate
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$250 Minimum Balance
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 48 Month
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
48 Month Certificates of Deposit
$1,000
0.89%
▼
Rate0.89%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
60 Month Fixed Rate IRA Certificates
$500
4.22%
▼
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Share Certificate Accounts - IRA & Jumbo 60 Month
$0
3.77%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
60 Month Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
269 Harwich St, Rock Hill, SC 29730
Regular CD 60-month
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
265 Sea Island Pkwy, Beaufort, SC 29907 1535
60-Month IRA
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3621 Pelham Rd, Greenville, SC 29615
60 Month Term Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
5 Year Share Certificate JUMBO
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
2.5 Year Share Certificate
$100
3.05%
▼
Rate3.01%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
60 Month Share Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 60 Month
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
60 Month IRA Certificate
$0
2.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$250 Minimum Balance
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
5400 International BLVD, Charleston, SC 29418
60 Month Business CD
$500
1.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
60 Month Certificates of Deposit
$1,000
0.91%
▼
Rate0.91%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Ruby, SC CD Rate Trends
Compare local Ruby, SC CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — SC Avg
2.377%
▼ 0.479 from last week
South Carolina 12-month CD rates fell 0.479 points this week to 2.377% APY, down from 2.857% last week.
6-Month CD — SC Avg
1.407%
▼ 0.264 from last week
South Carolina 6-month CD rates fell 0.264 points this week to 1.407% APY, down from 1.670% last week.
As of Mar 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Ruby, South Carolina
Are CD rates in Ruby, South Carolina FDIC insured?
Yes, most established banks in Ruby, 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 Ruby, 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 Ruby, 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 Ruby, 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 Ruby, South Carolina?
Here are recent top rates found for this area:
- Founders Federal Credit Union: 4.22% APY (60 Month Fixed Rate IRA Certificates)
- Skyla Federal Credit Union: 4.15% APY (Elite Jumbo CD 36-month)
- SPC Credit Union: 4.07% APY (24 Month Certificate)
- Woodruff Federal S&L: 3.91% APY (CD 12 month)
- Family Trust Federal Credit Union: 3.90% APY (24 Month Certificate)
- Houston Federal Credit Union: 3.87% APY (Share Certificate Accounts - IRA & Jumbo 12 Month to 17 Month)
- Carolinas Telco Federal Credit Union: 3.82% APY (6 month Share Certificate)
- Self-Help Federal Credit Union: 3.82% APY (1-Year Certificate)
- REV: 3.75% APY (Regular Certificates 6 Month)
- Peach State Federal Credit Union: 3.65% APY (1 Year Loyalty Term Share Certificate)
Rates reflect recent verified offers available in Ruby, South Carolina. Last Updated: March 28, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Ruby, 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 pulling data straight 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 Ruby, 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: March 28, 2026
