Ruby, South Carolina CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Ruby, South Carolina CD rates include Greenville Heritage Federal Credit UnionGreenville Heritage Federal Credit UnionA+5.0 ★Texas Ratio: 0.90%Real return: +1.54%APY minus CPI (February 2026) offering Term Share Certificates 6 Months at 4.34% APY, Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 4.65%Real return: +1.42%APY minus CPI (February 2026) offering 60 Month Fixed Rate IRA Certificates at 4.22% APY, SPC Credit UnionSPC Credit UnionA5.0 ★Texas Ratio: 7.96%Real return: +1.27%APY minus CPI (February 2026) offering 24 Month Certificate at 4.07% APY, Palmetto Citizens Federal Credit UnionPalmetto Citizens Federal Credit UnionA+5.0 ★Texas Ratio: 4.17%Real return: +1.12%APY minus CPI (February 2026) offering 12 Months Certificate at 3.92% APY, and Beacon Community BankBeacon Community BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.11%APY minus CPI (February 2026) offering 12 Months Certificates of Deposit at 3.91% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Ruby is a smaller community with no bank or credit union branches currently in our database. 300 institutions serving the South Carolina area are available to Ruby residents, with CD rates as high as 4.34% APY from Greenville Heritage Federal Credit Union. Rates are continually updated — 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: May 12, 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
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
3 Months
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 3 Months
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Month Share Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 3 Months
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
3 Months
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 3 Months
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
3 Months Certificate
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
90 Days Share Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Certificate of Deposit Accounts Balances Greater than 3 Months
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$250,000
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Certificate of Deposit Accounts Balances Less than or Equal to 3 Months
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$250,000
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3 Month Certificates of Deposit
$1,000
0.93%
▼
Rate0.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3 MONTHS
$1,000
0.90%
▼
Rate0.90%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Month Certificate
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
Regular Certificates 3 months
$500
0.18%
▼
Rate0.18%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 6 Months
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $100,001 and up
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 6 Months
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $50,001 to $100,000.99
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Months Certificates of Deposit
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 6 Months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $1,000 to $50,000.99
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 6 month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Share Certificate Accounts 6 month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - Share 6 Month to 11 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
6 Months Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Youth Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
6 Month Share Certificate
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 6 Months
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
6 Months
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 6 Months
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
6 Months Share Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
CDs - Variable 182 Days (6 Months)
$0
1.77%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
CDs - Fixed 182 Days (6 Months)
$0
1.77%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Certificate of Deposit Accounts Balances Greater than 6 Months
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$250,000
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Certificate of Deposit Accounts Balances Less than or Equal to 6 Months
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$250,000
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Certificate
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
6 MONTHS
$1,000
1.50%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
$100,000 OR MORE
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
6 MONTHS
$1,000
1.40%
▼
Rate1.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
$50,000 - $99,999
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 Months Share Certificates/CDs
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
6 MONTHS
$1,000
1.35%
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
$25,000 - $49,999
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
6 MONTHS
$1,000
1.30%
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
LESS THAN $25,000
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
6-Month IRA Share Certificate
$1
1.20%
▼
Rate1.19%
Min Deposit$1
Min Balance—
UpdatedMay 7, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
6-Month Share Certificate
$1,000
1.15%
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 Month Certificates of Deposit
$1,000
0.93%
▼
Rate0.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
6 Months Share Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
Regular Certificates 6 months
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 12 Months
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $100,001 and up
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 Months Certificate
$250,000
3.92%
▼
Rate3.85%
Min Deposit$250,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months Certificates of Deposit
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 Months Certificate
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 12 Months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $50,001 to $100,000.99
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 Months Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - Share 12 Month to 17 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Fixed Rate IRA Certificates
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
12 Month IRA Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 12 Month Special
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1-Year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1-year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
12 Months IRA Certificates
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month SmartStart
$100
3.70%
▼
Rate3.65%
Min Deposit$100
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
1 Year Loyalty Term Share Certificate
$10,000
3.65%
▼
Rate3.59%
Min Deposit$10,000
Min Balance—
UpdatedMay 7, 2026
Details
Plus 5 Years of Membership
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
12 Months Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA 12 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 12 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 12 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $1,000 to $50,000.99
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 Months Youth Add-To Certificate
$250,000
3.51%
▼
Rate3.45%
Min Deposit$250,000
Min Balance—
UpdatedMay 6, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 Months Add-To Certificate
$250,000
3.51%
▼
Rate3.45%
Min Deposit$250,000
Min Balance—
UpdatedMay 6, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
12 MONTHS
$500
3.45%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$50,000 - $99,999
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
12 MOS Senior
$5,000
3.45%
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
LESS THAN $25,000
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
IRA 12 MONTHS Fixed
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 Months Add-To Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 Months Youth Add-To Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Months Share Certificates/CDs
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 Months Youth Add-To Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
12 MONTHS
$500
3.40%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
LESS THAN $25,000
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 Months Add-To Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Share Certificate Accounts 12 month
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 12 month
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 12 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12 Month Share Certificate
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 12 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 6-12 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Share Certificate 6-12 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
12 Months Share Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
IRA Certificates 12 Months
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
IRA Certificates 12 Month Small Saver
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month Accumulator
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
18 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months Certificates of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
18 Months Certificate
$250,000
3.66%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedMay 6, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
18 Months Certificate
$100,000
3.61%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
18 Months Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 18 Month Special
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
18 Months Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - Share 18 Month to 23 Month
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 18 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $100,001 and up
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 18 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18 Month Share Certificate
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
18 MONTHS
$500
3.20%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$100,000 OR MORE
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
IRA 18 MONTHS Fixed
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 18 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
18 MONTHS
$500
3.10%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$50,000 - $99,999
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
18 Months Share Certificates
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
18 MONTHS
$500
3.05%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$25,000 - $49,999
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month IRA Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 18 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $50,001 to $100,000.99
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA 18 Months
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 18 Months
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
18 MONTHS
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
LESS THAN $25,000
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 18 Months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $1,000 to $50,000.99
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Certificate of Deposit Accounts Balances Greater than 18 Months
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$250,000
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Certificate of Deposit Accounts Balances Less than or Equal to 18 Months
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$250,000
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
18-Month IRA Certificate
$1,000
1.65%
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
18-Month Share Certificate
$1,000
1.60%
▼
Rate1.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Enterprise Bank of South Carolina
Institution Rating:
F1.0 ★Texas Ratio: 83.85%
18 Month
$0
1.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 Months Share Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
18 Month Certificates of Deposit
$1,000
0.94%
▼
Rate0.94%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
18 Month - Fixed Rate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
Regular Certificates 18 months
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
CDs - Fixed 18 Months
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
IRA - Variable 18 Months
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month Fixed Rate IRA Certificates
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
24 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 months Certificates of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month Certificate
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 Months Certificate
$250,000
3.61%
▼
Rate3.55%
Min Deposit$250,000
Min Balance—
UpdatedMay 6, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 Months Certificate
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
24 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 24 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
24 Months Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 Months Certificate
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 24 Month Special
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - Share 24 Month to 29 Month
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Share Certificate Accounts 24 month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 Month Step Up Certificate
$250,000
3.30%
▼
Rate3.25%
Min Deposit$250,000
Min Balance—
UpdatedMay 6, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 13-24 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 24 month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $100,001 and up
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Share Certificate 13-24 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
2 Years Loyalty Term Share Certificate
$10,000
3.25%
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedMay 7, 2026
Details
Plus 5 Years of Membership
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 Month Step Up Certificate
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
24 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 24 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 MONTHS
$500
3.20%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$100,000 OR MORE
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
IRA 24 MONTHS Fixed
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 Month Step Up Certificate
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 24 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
24 Months Share Certificates
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24 Month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 MONTHS
$500
3.10%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$50,000 - $99,999
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 24 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $50,001 to $100,000.99
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 MONTHS
$500
3.05%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$25,000 - $49,999
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 MONTHS
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
LESS THAN $25,000
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 24 Months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $1,000 to $50,000.99
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Certificate of Deposit Accounts Balances Greater than 24 Months
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$250,000
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Certificate of Deposit Accounts Balances Less than or Equal to 24 Months
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$250,000
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Certificate JUMBO
$50,000
2.35%
▼
Rate2.32%
Min Deposit$50,000
Min Balance—
UpdatedMay 6, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year IRA Certificate
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Certificate
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month Adult Flex Certificate
$250
2.20%
▼
Rate2.18%
Min Deposit$250
Min Balance—
UpdatedMay 6, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month Youth Flex Certificate
$100
2.20%
▼
Rate2.18%
Min Deposit$100
Min Balance—
UpdatedMay 6, 2026
Details
Enterprise Bank of South Carolina
Institution Rating:
F1.0 ★Texas Ratio: 83.85%
24 Month
$0
1.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
2-Year IRA Share Certificate
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
2-Year Share Certificate
$1,000
1.45%
▼
Rate1.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
CDs - Fixed 2 Years
$0
1.21%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
IRA - Variable 2 Years
$0
1.21%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 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%
36 Month Fixed Rate IRA Certificates
$500
4.01%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
3-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
36 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Months Certificates of Deposit
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - Share 36 Month to 47 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 Months Certificate
$250,000
3.40%
▼
Rate3.35%
Min Deposit$250,000
Min Balance—
UpdatedMay 6, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 Months Certificate
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 25-36 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Share Certificate 25-36 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 Months Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
36 Months Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 Months Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
36 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 36 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3 Years Loyalty Term Share Certificate
$10,000
3.20%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedMay 7, 2026
Details
Plus 5 Years of Membership
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 36 Months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 36 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $100,001 and up
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 MONTHS
$500
3.05%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$100,000 OR MORE
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
IRA 36 MONTHS Fixed
$0
3.05%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 36 month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Share Certificate Accounts 36 month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 36 Months
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA 36 Months
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 MONTHS
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$50,000 - $99,999
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
36 Months
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 36 Months
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 MONTHS
$500
2.90%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$25,000 - $49,999
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 MONTHS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
LESS THAN $25,000
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 36 Months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $50,001 to $100,000.99
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Certificate JUMBO
$50,000
2.60%
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
UpdatedMay 6, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 36 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $1,000 to $50,000.99
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year IRA Certificate
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Certificate
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Enterprise Bank of South Carolina
Institution Rating:
F1.0 ★Texas Ratio: 83.85%
36 Month
$0
1.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
3-Year IRA Share Certificate
$1,000
1.45%
▼
Rate1.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
3-Year Share Certificate
$1,000
1.40%
▼
Rate1.39%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36 Month Certificates of Deposit
$1,000
0.96%
▼
Rate0.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
Regular Certificates 36 months
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
CDs - Fixed 3 Years
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 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%
48 Month Fixed Rate IRA Certificates
$500
4.11%
▼
Rate4.05%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Certificate
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
48 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Months Certificates of Deposit
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - Share 48 Month to 59 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
48 Months Share Certificates
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 48 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4 Years Loyalty Term Share Certificate
$10,000
3.30%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 7, 2026
Details
Plus 5 Years of Membership
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
48 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 Months Certificate
$250,000
3.14%
▼
Rate3.10%
Min Deposit$250,000
Min Balance—
UpdatedMay 6, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 48 Months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 Months Certificate
$100,000
3.09%
▼
Rate3.05%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 Months Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 MONTHS
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$100,000 OR MORE
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 48 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 MONTHS
$500
2.90%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$50,000 - $99,999
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
4 Year Share Certificate JUMBO
$50,000
2.85%
▼
Rate2.81%
Min Deposit$50,000
Min Balance—
UpdatedMay 6, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 MONTHS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$25,000 - $49,999
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 MONTHS
$500
2.80%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
LESS THAN $25,000
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 48 month
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Share Certificate Accounts 48 month
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
48 Months Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
4 Year Share Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 48 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $100,001 and up
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 48 Months
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $50,001 to $100,000.99
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 48 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $1,000 to $50,000.99
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Enterprise Bank of South Carolina
Institution Rating:
F1.0 ★Texas Ratio: 83.85%
48 Month
$0
1.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48 Month Certificates of Deposit
$1,000
0.98%
▼
Rate0.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
CDs - Fixed 4 Years
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 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%
60 Month Fixed Rate IRA Certificates
$500
4.22%
▼
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Certificate
$500
3.96%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
60 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 months Certificates of Deposit
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - Share 60 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
5 Year Executive
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
5 Year Executive IRA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
5 Year Executive Roth
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 60 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
60 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
60 Months Share Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
5 Years Loyalty Term Share Certificate
$10,000
3.40%
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedMay 7, 2026
Details
Plus 5 Years of Membership
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60 Months Certificate
$250,000
3.14%
▼
Rate3.10%
Min Deposit$250,000
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
60 Months
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Share Certificate JUMBO
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 60 Months
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60 Months Certificate
$100,000
3.09%
▼
Rate3.05%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60 Months Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Share Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 MONTHS
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$100,000 OR MORE
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 MONTHS
$500
2.90%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$50,000 - $99,999
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 MONTHS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$25,000 - $49,999
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60 Month Share Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 60 Months
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 MONTHS
$500
2.80%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
LESS THAN $25,000
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
60 Months Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 60 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $100,001 and up
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA 60 Months
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 60 Months
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2.5 Year Certificate
$500
2.35%
▼
Rate2.32%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 60 Months
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $50,001 to $100,000.99
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Term Share Certificates 60 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deposit Amount: $1,000 to $50,000.99
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Business CD
$500
1.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
60 Month Certificates of Deposit
$1,000
0.99%
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
CDs - Fixed 30 Months (2.5 Years)
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
CDs - Fixed 5 Years
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Ruby, South Carolina at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY available to Ruby residents from institutions serving the South Carolina area is 4.34% APY from Greenville Heritage Federal Credit Union. The rate table above ranks every offer we track, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Ruby, SC CD Rate Trends
Compare local Ruby, 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
1.957%
▼ 0.056 vs 7 days ago
South Carolina 12-month CD rates fell 0.056 points over the past 7 days to 1.957% APY.
6-Month CD — SC Avg
0.860%
▼ 0.040 vs 7 days ago
South Carolina 6-month CD rates fell 0.040 points over the past 7 days to 0.860% APY.
As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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SC CD Rate Forecast — Next 12 Months
Where are South Carolina CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
SC 12-Month Avg APY
1.957%
6-Month Forecast
1.957%
Range: 1.76% – 2.11%
12-Month Forecast
1.707%
Range: 1.51% – 1.86%
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What Your Savings Earn at SC CD Rates Today
Annual interest earnings at today’s South Carolina average APYs. State average used where available; national average as fallback.
| CD Term | SC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.551% | $27.53 | $55.06 | $137.65 | $275.30 |
| 6-Month CD | 0.860% | $43.02 | $86.04 | $215.10 | $430.20 |
| 12-Month CD | 1.957% | $97.86 | $195.71 | $489.28 | $978.55 |
| 18-Month CD | 1.923% | $96.14 | $192.27 | $480.68 | $961.35 |
| 24-Month CD | 2.322% | $116.12 | $232.23 | $580.58 | $1,161.15 |
| 36-Month CD | 2.016% | $100.82 | $201.63 | $504.08 | $1,008.15 |
| 48-Month CD | 2.232% | $111.60 | $223.19 | $557.98 | $1,115.95 |
| 60-Month CD | 2.102% | $105.09 | $210.18 | $525.45 | $1,050.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Ruby, 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 | 0.551% | $27.53 |
| 2 | 6-Month CD | $5,000 | 0.860% | $43.02 |
| 3 | 12-Month CD | $5,000 | 1.957% | $97.86 |
| 4 | 24-Month CD | $5,000 | 2.322% | $116.12 |
| 5 | 36-Month CD | $5,000 | 2.016% | $100.82 |
| Total ($25,000 invested) | $25,000 | 1.541% blended | $385.35/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.
309
CD Rates
Tracked in Ruby, South Carolina
Tracked in Ruby, South Carolina
12 Banks
22 Credit Unions
About Our Ruby, South Carolina CD Rate Database
MonitorBankRates tracks 309 CD rates from 12 banks and 22 credit unions with locations in Ruby, 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: Greenville Heritage Federal Credit Union offers a CD at 4.34% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Ruby, South Carolina.
How to Find the Best CD Rates in Ruby, South Carolina
What to compare when shopping for a CD in Ruby, South Carolina
To find the best APYs in Ruby, South Carolina, start with credit unions and online-only banks — Ruby, South Carolina has 22 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 Ruby, 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 Ruby, South Carolina — 34 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Ruby, South Carolina savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Ruby, South Carolina money market rates
South Carolina Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
18.9%
National avg: 17.3%
Median Individual Earnings
$41,521
National avg: $47,340
Poverty Rate
14.1%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$81/yr
At SC 12-mo avg 1.957% APY
18.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s SC 12-month CD average of 1.957%, saving 10% of the local median salary ($4,152/year) and putting it in a CD would earn an additional $81 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 Ruby, 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 |
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:
- Greenville Heritage Federal Credit Union: 4.34% APY (Term Share Certificates 6 Months)
- Founders Federal Credit Union: 4.22% APY (60 Month Fixed Rate IRA Certificates)
- SPC Credit Union: 4.07% APY (24 Month Certificate)
- Palmetto Citizens Federal Credit Union: 3.92% APY (12 Months Certificate)
- Beacon Community Bank: 3.91% APY (12 Months Certificates of Deposit)
- Woodruff Federal S&L: 3.91% APY (CD 12 month)
- Carolinas Telco Federal Credit Union: 3.82% APY (IRA Certificate Accounts 6 month)
- Self-Help Credit Union: 3.82% APY (48 Months IRA Certificates)
- Self-Help Federal Credit Union: 3.82% APY (3-Year Certificate)
- Santee Cooper Credit Union: 3.81% APY (6 Months)
Rates reflect recent verified offers available in Ruby, South Carolina. Last Updated: May 12, 2026
CD Calculators for Ruby, South Carolina
Ruby, South Carolina CD Calculator
At today’s SC top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
Ruby, South Carolina CD LadderSC CD rates currently range from 0.551% (3-month) to 2.016% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Ruby, South Carolina CD at 4.34% 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 1.957% 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
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: May 12, 2026
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