Smoaks, South Carolina Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Smoaks, South Carolina CD rates include Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 4.16%Real return: +1.78%APY minus CPI (February 2026) offering SmartStart 12 Month Certificate at 4.58% APY, OPTUS BankOPTUS BankA+5.0 ★Texas Ratio: 5.81%Real return: +1.33%APY minus CPI (February 2026) offering 12-Month Certificate of Deposit at 4.13% APY, Empeople Credit UnionEmpeople Credit UnionA5.0 ★Texas Ratio: 6.85%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month Certificate at 4.10% APY, Woodruff Federal S&LWoodruff Federal S&LA+5.0 ★Texas Ratio: 1.56%Real return: +1.26%APY minus CPI (February 2026) offering 48 month CD at 4.06% APY, and Grow Financial Federal Credit UnionGrow Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.91%Real return: +1.22%APY minus CPI (February 2026) offering 60 months at 4.02% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Smoaks is a smaller community with no bank or credit union branches currently in our database. 462 institutions serving the South Carolina area are available to Smoaks residents, with CD rates as high as 4.58% APY from Founders 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: August 28, 2026
Compare Best CD Rates in Smoaks, South Carolina & the Surrounding Area
Smoaks 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3 Month Certificate
$5,000
3.75%
▲ 2.85% above South Carolina avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 2.85% above avgNationally 1.96%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. **3 Month Certificate requires a minimum deposit of $5,000.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month
$0
3.50%
▲ 2.60% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 2.60% above avgNationally 1.96%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
3 Month Term
$0
2.50%
▲ 1.60% above South Carolina avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.60% above avgNationally 1.96%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 3 Month Term
$0
2.50%
▲ 1.60% above South Carolina avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.60% above avgNationally 1.96%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
3 Month Term
$0
2.45%
▲ 1.55% above South Carolina avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.55% above avgNationally 1.96%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 3 Month Term
$0
2.45%
▲ 1.55% above South Carolina avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.55% above avgNationally 1.96%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
3 Month Term
$0
2.40%
▲ 1.50% above South Carolina avg
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.50% above avgNationally 1.96%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 3 Month Term
$0
2.40%
▲ 1.50% above South Carolina avg
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.50% above avgNationally 1.96%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
3 Month Term
$0
2.34%
▲ 1.44% above South Carolina avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.44% above avgNationally 1.96%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 3 Month Term
$0
2.34%
▲ 1.44% above South Carolina avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.44% above avgNationally 1.96%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 3 Month
$0
2.27%
▲ 1.37% above South Carolina avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.37% above avgNationally 1.96%
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
3 Months
$0
2.25%
▲ 1.35% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.35% above avgNationally 1.96%
Details
Preferred APY*: 2.60%
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3 Months
$0
2.01%
▲ 1.11% above South Carolina avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.11% above avgNationally 1.96%
Details
1st Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
3 Month
$500
2.00%
▲ 1.10% above South Carolina avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 1.10% above avgNationally 1.96%
Details
Dividend Period: At Maturity
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
90 Days
$0
1.51%
▲ 0.61% above South Carolina avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 0.61% above avgNationally 1.96%
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Month Certificate +50k
$0
1.26%
▲ 0.36% above South Carolina avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 0.36% above avgNationally 1.96%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3 MONTHS
$1,000
1.25%
▲ 0.35% above South Carolina avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 0.35% above avgNationally 1.96%
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month
$0
1.00%
▲ 0.10% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 0.10% above avgNationally 1.96%
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month TD Choice CD
$250
1.00%
▲ 0.10% above South Carolina avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 0.10% above avgNationally 1.96%
Details
Relationship APY
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificate
$0
1.00%
▲ 0.10% above South Carolina avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 0.10% above avgNationally 1.96%
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Month Certificate
$0
1.00%
▲ 0.10% above South Carolina avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 0.10% above avgNationally 1.96%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Month Certificate IRA & +25k
$0
1.00%
▲ 0.10% above South Carolina avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 0.10% above avgNationally 1.96%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3 Month Certificate of Deposit
$1,000
0.98%
▲ 0.08% above South Carolina avg
▼
Rate0.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 0.08% above avgNationally 1.96%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificate
$0
0.95%
▲ 0.05% above South Carolina avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▲ 0.05% above avgNationally 1.96%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificate
$0
0.90%
At South Carolina avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%At the averageNationally 1.96%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificate
$0
0.85%
▼ 0.05% below South Carolina avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▼ 0.05% below avgNationally 1.96%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificate
$0
0.80%
▼ 0.10% below South Carolina avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▼ 0.10% below avgNationally 1.96%
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Month Certificate
$500
0.75%
▼ 0.15% below South Carolina avg
▼
Rate0.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▼ 0.15% below avgNationally 1.96%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificate
$0
0.75%
▼ 0.15% below South Carolina avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▼ 0.15% below avgNationally 1.96%
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month Share Certificate
$1,000
0.50%
▼ 0.40% below South Carolina avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▼ 0.40% below avgNationally 1.96%
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
3 months
$500
0.18%
▼ 0.72% below South Carolina avg
▼
Rate0.18%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▼ 0.72% below avgNationally 1.96%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 0.84% below South Carolina avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▼ 0.84% below avgNationally 1.96%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.06%
▼ 0.84% below South Carolina avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▼ 0.84% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 0.85% below South Carolina avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▼ 0.85% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.05%
▼ 0.85% below South Carolina avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average0.90%▼ 0.85% below avgNationally 1.96%
Details
Relationship Interest Rate 0.06%
Smoaks 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
6 Month Certificate
$500
4.00%
▲ 2.22% above South Carolina avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 2.22% above avgNationally 2.67%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Months
$0
3.90%
▲ 2.12% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 2.12% above avgNationally 2.67%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
6 Month
$0
3.75%
▲ 1.97% above South Carolina avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.97% above avgNationally 2.67%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Certificate
$0
3.66%
▲ 1.88% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.88% above avgNationally 2.67%
Details
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6-month CD
$2,500
3.65%
▲ 1.87% above South Carolina avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.87% above avgNationally 2.67%
Details
Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly. Subject to early withdrawal penalty. Automatically renews on the maturity date.
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Certificate
$0
3.61%
▲ 1.83% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.83% above avgNationally 2.67%
Details
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 6 Month
$100,000
3.60%
▲ 1.82% above South Carolina avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.82% above avgNationally 2.67%
Details
$100,000+
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Certificate +50k
$0
3.59%
▲ 1.81% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.81% above avgNationally 2.67%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Certificate
$0
3.56%
▲ 1.78% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.78% above avgNationally 2.67%
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Months
$0
3.55%
▲ 1.77% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.77% above avgNationally 2.67%
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Certificate
$0
3.54%
▲ 1.76% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.76% above avgNationally 2.67%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Certificate IRA & +25k
$0
3.54%
▲ 1.76% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.76% above avgNationally 2.67%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 6 Month
$50,000
3.50%
▲ 1.72% above South Carolina avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.72% above avgNationally 2.67%
Details
$50,000+
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 6 Month
$1,000
3.45%
▲ 1.67% above South Carolina avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.67% above avgNationally 2.67%
Details
Up to $50,000
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
6 MONTHS
$1,000
3.25%
▲ 1.47% above South Carolina avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.47% above avgNationally 2.67%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
6 MONTHS
$1,000
3.20%
▲ 1.42% above South Carolina avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.42% above avgNationally 2.67%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 6 Month
$0
3.14%
▲ 1.36% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.36% above avgNationally 2.67%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
6 Month Term
$0
3.00%
▲ 1.22% above South Carolina avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.22% above avgNationally 2.67%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 6 Month Term
$0
3.00%
▲ 1.22% above South Carolina avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.22% above avgNationally 2.67%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
6 Month Term
$0
2.95%
▲ 1.17% above South Carolina avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.17% above avgNationally 2.67%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 6 Month Term
$0
2.95%
▲ 1.17% above South Carolina avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.17% above avgNationally 2.67%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
6 Month Term
$0
2.90%
▲ 1.12% above South Carolina avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.12% above avgNationally 2.67%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 6 Month Term
$0
2.90%
▲ 1.12% above South Carolina avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.12% above avgNationally 2.67%
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
6 Months
$0
2.90%
▲ 1.12% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.12% above avgNationally 2.67%
Details
Preferred APY*: 3.25%
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
6 Month Term
$0
2.84%
▲ 1.06% above South Carolina avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.06% above avgNationally 2.67%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 6 Month Term
$0
2.84%
▲ 1.06% above South Carolina avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 1.06% above avgNationally 2.67%
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
6 Months
$0
2.53%
▲ 0.75% above South Carolina avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 0.75% above avgNationally 2.67%
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
6 Month Share Certificate
$1,000
2.25%
▲ 0.47% above South Carolina avg
▼
Rate2.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 0.47% above avgNationally 2.67%
Details
1st Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
6 Month
$500
2.20%
▲ 0.42% above South Carolina avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▲ 0.42% above avgNationally 2.67%
Details
Dividend Period: Quarterly
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
182 Days (6 Months)
$0
1.77%
▼ 0.01% below South Carolina avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 0.01% below avgNationally 2.67%
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
6 Month Certificate
$500
1.50%
▼ 0.28% below South Carolina avg
▼
Rate1.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 0.28% below avgNationally 2.67%
Details
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
6 Months
$0
1.50%
▼ 0.28% below South Carolina avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 0.28% below avgNationally 2.67%
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
6 Months
$500
1.40%
▼ 0.38% below South Carolina avg
▼
Rate1.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 0.38% below avgNationally 2.67%
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
6-Month IRA Share Certificate
$1,000
1.20%
▼ 0.58% below South Carolina avg
▼
Rate1.19%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 0.58% below avgNationally 2.67%
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
6-Month Share Certificate
$1,000
1.15%
▼ 0.63% below South Carolina avg
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 0.63% below avgNationally 2.67%
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 Month Certificate of Deposit
$1,000
1.01%
▼ 0.77% below South Carolina avg
▼
Rate1.01%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 0.77% below avgNationally 2.67%
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
6 Month TD Choice CD
$250
1.00%
▼ 0.78% below South Carolina avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 0.78% below avgNationally 2.67%
Details
Relationship APY
South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
6 Months
$0
0.85%
▼ 0.93% below South Carolina avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 0.93% below avgNationally 2.67%
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
6-Month IRA
$500
0.75%
▼ 1.03% below South Carolina avg
▼
Rate0.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 1.03% below avgNationally 2.67%
Details
1st Federal Savings Bank of SC
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 MONTHS
$1,000
0.50%
▼ 1.28% below South Carolina avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 1.28% below avgNationally 2.67%
Details
Brookland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
6 months
$500
0.20%
▼ 1.58% below South Carolina avg
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 1.58% below avgNationally 2.67%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Interest Rate
$2,500
0.06%
▼ 1.72% below South Carolina avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 1.72% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.73% below South Carolina avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 1.73% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Interest Rate
$2,500
0.05%
▼ 1.73% below South Carolina avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average1.78%▼ 1.73% below avgNationally 2.67%
Details
Relationship Interest Rate 0.05%
Smoaks 12 Month CD Rates
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: 4.16%
SmartStart 12 Month Certificate
$0
4.58%
▲ 1.91% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.91% above avgNationally 2.83%
Details
Fixed rate with guaranteed dividends. Deposits allowed at any time!
OPTUS Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12-Month Certificate of Deposit
$5,000
4.13%
▲ 1.46% above South Carolina avg
▼
Rate4.05%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.46% above avgNationally 2.83%
Details
Qualifying new relationship clients only. Rates are effective through December 31, 2026. Certificate of Deposit rates are fixed for the term of the CD. A penalty will be imposed for early withdrawal from Certificate of Deposit accounts. Fees may reduce earnings. Offers may be withdrawn at any time without notice.
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
12 Month Certificate
$500
4.10%
▲ 1.43% above South Carolina avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.43% above avgNationally 2.83%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Month Certificate
$500
4.06%
▲ 1.39% above South Carolina avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.39% above avgNationally 2.83%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
12 Month Special
$0
4.00%
▲ 1.33% above South Carolina avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.33% above avgNationally 2.83%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months
$0
3.92%
▲ 1.25% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.25% above avgNationally 2.83%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
12 Month Certificate
$0
3.92%
▲ 1.25% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.25% above avgNationally 2.83%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
12 Month IRA Certificate
$0
3.92%
▲ 1.25% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.25% above avgNationally 2.83%
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 month CD
$0
3.91%
▲ 1.24% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.24% above avgNationally 2.83%
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months
$0
3.91%
▲ 1.24% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.24% above avgNationally 2.83%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months
$0
3.87%
▲ 1.20% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.20% above avgNationally 2.83%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
12 Month Certificate
$0
3.87%
▲ 1.20% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.20% above avgNationally 2.83%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
12 Month IRA Certificate
$0
3.87%
▲ 1.20% above South Carolina avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.20% above avgNationally 2.83%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months
$0
3.82%
▲ 1.15% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.15% above avgNationally 2.83%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
12 Month Certificate
$0
3.82%
▲ 1.15% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.15% above avgNationally 2.83%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
12 Month IRA Certificate
$0
3.82%
▲ 1.15% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.15% above avgNationally 2.83%
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Month Certificate
$500
3.80%
▲ 1.13% above South Carolina avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.13% above avgNationally 2.83%
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Month SmartStart
$100
3.80%
▲ 1.13% above South Carolina avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.13% above avgNationally 2.83%
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 Month Certificate +50k
$0
3.80%
▲ 1.13% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.13% above avgNationally 2.83%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 Month Certificate IRA & +25k
$0
3.80%
▲ 1.13% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.13% above avgNationally 2.83%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
12 Months
$0
3.75%
▲ 1.08% above South Carolina avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.08% above avgNationally 2.83%
Details
SRP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12-Month Share Certificate
$0
3.75%
▲ 1.08% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.08% above avgNationally 2.83%
Details
Lock in 3.75% APY* for 12 months and watch your savings grow.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
12 Months
$0
3.72%
▲ 1.05% above South Carolina avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 1.05% above avgNationally 2.83%
Details
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 12 Month
$100,000
3.65%
▲ 0.98% above South Carolina avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.98% above avgNationally 2.83%
Details
$100,000+
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
12 Months
$0
3.65%
▲ 0.98% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.98% above avgNationally 2.83%
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 Month Certificate
$0
3.64%
▲ 0.97% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.97% above avgNationally 2.83%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
JUMBO CERTIFICATES 12 Months
$0
3.60%
▲ 0.93% above South Carolina avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.93% above avgNationally 2.83%
Details
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Youth Certificate 12 months
$100
3.60%
▲ 0.93% above South Carolina avg
▼
Rate3.55%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.93% above avgNationally 2.83%
Details
Available to members 17 years of age and under. Additional deposits of $25 or more may be made any time. Dividends are credited and compounded quarterly.
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 12 Month
$50,000
3.55%
▲ 0.88% above South Carolina avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.88% above avgNationally 2.83%
Details
$50,000+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
12 Months
$0
3.55%
▲ 0.88% above South Carolina avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.88% above avgNationally 2.83%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
12 MONTHS
$500
3.51%
▲ 0.84% above South Carolina avg
▼
Rate3.51%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.84% above avgNationally 2.83%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
12 MOS Senior
$5,000
3.51%
▲ 0.84% above South Carolina avg
▼
Rate3.51%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.84% above avgNationally 2.83%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months Add-To
$0
3.51%
▲ 0.84% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.84% above avgNationally 2.83%
Details
Add-To
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months Youth Add-To
$0
3.51%
▲ 0.84% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.84% above avgNationally 2.83%
Details
Youth Add-To
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 12 Month
$1,000
3.50%
▲ 0.83% above South Carolina avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.83% above avgNationally 2.83%
Details
Up to $50,000
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
12 Months
$0
3.50%
▲ 0.83% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.83% above avgNationally 2.83%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
12 MONTHS
$500
3.46%
▲ 0.79% above South Carolina avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.79% above avgNationally 2.83%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months Add-To
$0
3.45%
▲ 0.78% above South Carolina avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.78% above avgNationally 2.83%
Details
Add-To
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months Youth Add-To
$0
3.45%
▲ 0.78% above South Carolina avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.78% above avgNationally 2.83%
Details
Youth Add-To
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 1 Year
$100,000
3.45%
▲ 0.78% above South Carolina avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.78% above avgNationally 2.83%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 1 Year
$100,000
3.45%
▲ 0.78% above South Carolina avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.78% above avgNationally 2.83%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months Add-To
$0
3.40%
▲ 0.73% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.73% above avgNationally 2.83%
Details
Add-To
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months Youth Add-To
$0
3.40%
▲ 0.73% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.73% above avgNationally 2.83%
Details
Youth Add-To
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
12 Months
$0
3.40%
▲ 0.73% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.73% above avgNationally 2.83%
Details
Preferred APY*: 3.75%
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 1 Year
$10,000
3.35%
▲ 0.68% above South Carolina avg
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.68% above avgNationally 2.83%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 1 Year
$10,000
3.35%
▲ 0.68% above South Carolina avg
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.68% above avgNationally 2.83%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 12 Month
$0
3.34%
▲ 0.67% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.67% above avgNationally 2.83%
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
1 Year Share Certificate
$500
3.29%
▲ 0.62% above South Carolina avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.62% above avgNationally 2.83%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
12 Month
$0
3.25%
▲ 0.58% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.58% above avgNationally 2.83%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
12 Month Term
$0
3.15%
▲ 0.48% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.67%▲ 0.48% above avgNationally 2.83%
Details
Smoaks 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month Certificate
$500
4.05%
▲ 1.52% above South Carolina avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.52% above avgNationally 2.67%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
18 Months
$0
3.77%
▲ 1.24% above South Carolina avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.24% above avgNationally 2.67%
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months
$0
3.75%
▲ 1.22% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.22% above avgNationally 2.67%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Special
$0
3.75%
▲ 1.22% above South Carolina avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.22% above avgNationally 2.67%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month IRA Certificate
$0
3.71%
▲ 1.18% above South Carolina avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.18% above avgNationally 2.67%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
18 Months
$0
3.66%
▲ 1.13% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.13% above avgNationally 2.67%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month IRA Certificate
$0
3.66%
▲ 1.13% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.13% above avgNationally 2.67%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
18 Months
$0
3.61%
▲ 1.08% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.08% above avgNationally 2.67%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month IRA Certificate
$0
3.61%
▲ 1.08% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.08% above avgNationally 2.67%
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Certificate +50k
$0
3.59%
▲ 1.06% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.06% above avgNationally 2.67%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
18 Months
$0
3.56%
▲ 1.03% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.03% above avgNationally 2.67%
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
18-Month
$1,000
3.56%
▲ 1.03% above South Carolina avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.03% above avgNationally 2.67%
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
JUMBO CERTIFICATES 18 Months
$0
3.55%
▲ 1.02% above South Carolina avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.02% above avgNationally 2.67%
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Certificate
$0
3.54%
▲ 1.01% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.01% above avgNationally 2.67%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Certificate IRA & +25k
$0
3.54%
▲ 1.01% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 1.01% above avgNationally 2.67%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
18 Month
$0
3.50%
▲ 0.97% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.97% above avgNationally 2.67%
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18 Months
$0
3.49%
▲ 0.96% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.96% above avgNationally 2.67%
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
18 month CD
$0
3.24%
▲ 0.71% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.71% above avgNationally 2.67%
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
IRA (18 month) CD
$0
3.24%
▲ 0.71% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.71% above avgNationally 2.67%
Details
IRA
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 18 Month
$0
3.24%
▲ 0.71% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.71% above avgNationally 2.67%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
18 Month Term
$0
3.20%
▲ 0.67% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.67% above avgNationally 2.67%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
18 MONTHS
$500
3.20%
▲ 0.67% above South Carolina avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.67% above avgNationally 2.67%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
18 Month Term
$0
3.15%
▲ 0.62% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.62% above avgNationally 2.67%
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
18 Months
$0
3.15%
▲ 0.62% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.62% above avgNationally 2.67%
Details
Preferred APY*: 3.50%
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
18 Month Term
$0
3.10%
▲ 0.57% above South Carolina avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.57% above avgNationally 2.67%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
18 MONTHS
$500
3.10%
▲ 0.57% above South Carolina avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.57% above avgNationally 2.67%
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
18 Months
$0
3.09%
▲ 0.56% above South Carolina avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.56% above avgNationally 2.67%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
18 MONTHS
$500
3.05%
▲ 0.52% above South Carolina avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.52% above avgNationally 2.67%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
18 Month Term
$0
3.04%
▲ 0.51% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.51% above avgNationally 2.67%
Details
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Months Fixed IRA Certificate
$0
3.03%
▲ 0.50% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.50% above avgNationally 2.67%
Details
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Months Variable IRA Certificate
$0
3.03%
▲ 0.50% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.50% above avgNationally 2.67%
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
18 Months
$1,000
3.03%
▲ 0.50% above South Carolina avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.50% above avgNationally 2.67%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
18 MONTHS
$500
3.00%
▲ 0.47% above South Carolina avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.47% above avgNationally 2.67%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month
$0
3.00%
▲ 0.47% above South Carolina avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.47% above avgNationally 2.67%
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
18 Months
$500
2.57%
▲ 0.04% above South Carolina avg
▼
Rate2.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▲ 0.04% above avgNationally 2.67%
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
18 Months
$500
2.52%
▼ 0.01% below South Carolina avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 0.01% below avgNationally 2.67%
Details
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 18 Month
$100,000
2.50%
▼ 0.03% below South Carolina avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 0.03% below avgNationally 2.67%
Details
$100,000+
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 18 Month
$50,000
2.40%
▼ 0.13% below South Carolina avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 0.13% below avgNationally 2.67%
Details
$50,000+
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 18 Month
$1,000
2.35%
▼ 0.18% below South Carolina avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 0.18% below avgNationally 2.67%
Details
Up to $50,000
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
18 Months
$0
2.01%
▼ 0.52% below South Carolina avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 0.52% below avgNationally 2.67%
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
18-Month IRA Certificate
$1,000
1.65%
▼ 0.88% below South Carolina avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 0.88% below avgNationally 2.67%
Details
Enterprise Bank of South Carolina
Institution Rating:
F1.0 ★Texas Ratio: 83.85%
IRA - 18 month Variable Rate
$0
1.61%
▼ 0.92% below South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 0.92% below avgNationally 2.67%
Details
Enterprise Bank of South Carolina
Institution Rating:
F1.0 ★Texas Ratio: 83.85%
Traditional IRA - 18 month Fixed Rate
$0
1.61%
▼ 0.92% below South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 0.92% below avgNationally 2.67%
Details
Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
18-Month Share Certificate
$1,000
1.60%
▼ 0.93% below South Carolina avg
▼
Rate1.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 0.93% below avgNationally 2.67%
Details
Enterprise Bank of South Carolina
Institution Rating:
F1.0 ★Texas Ratio: 83.85%
18 Month CD
$0
1.56%
▼ 0.97% below South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 0.97% below avgNationally 2.67%
Details
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
18 Month Certificate of Deposit
$1,000
1.04%
▼ 1.49% below South Carolina avg
▼
Rate1.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 1.49% below avgNationally 2.67%
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month
$0
1.00%
▼ 1.53% below South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 1.53% below avgNationally 2.67%
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month TD Choice CD
$250
1.00%
▼ 1.53% below South Carolina avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 1.53% below avgNationally 2.67%
Details
Relationship APY
South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 Months
$0
1.00%
▼ 1.53% below South Carolina avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 1.53% below avgNationally 2.67%
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
18 Month - Fixed Rate
$0
0.75%
▼ 1.78% below South Carolina avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.53%▼ 1.78% below avgNationally 2.67%
Details
Smoaks 24 Month CD Rates
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: 4.16%
24 Month Certificate
$500
4.11%
▲ 1.32% above South Carolina avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 1.32% above avgNationally 2.71%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month Certificate
$500
4.00%
▲ 1.21% above South Carolina avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 1.21% above avgNationally 2.71%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
24 Month Certificate
$500
3.85%
▲ 1.06% above South Carolina avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 1.06% above avgNationally 2.71%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Executive
$0
3.80%
▲ 1.01% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 1.01% above avgNationally 2.71%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 2 Years
$100,000
3.80%
▲ 1.01% above South Carolina avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 1.01% above avgNationally 2.71%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 2 Years
$100,000
3.80%
▲ 1.01% above South Carolina avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 1.01% above avgNationally 2.71%
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
24 Months
$0
3.77%
▲ 0.98% above South Carolina avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.98% above avgNationally 2.71%
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 months
$0
3.75%
▲ 0.96% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.96% above avgNationally 2.71%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 2 Years
$10,000
3.70%
▲ 0.91% above South Carolina avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.91% above avgNationally 2.71%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 2 Years
$10,000
3.70%
▲ 0.91% above South Carolina avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.91% above avgNationally 2.71%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Months
$0
3.61%
▲ 0.82% above South Carolina avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.82% above avgNationally 2.71%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Months
$0
3.56%
▲ 0.77% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.77% above avgNationally 2.71%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Certificate
$0
3.56%
▲ 0.77% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.77% above avgNationally 2.71%
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
JUMBO CERTIFICATES 24 Months
$0
3.55%
▲ 0.76% above South Carolina avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.76% above avgNationally 2.71%
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24 Months
$0
3.55%
▲ 0.76% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.76% above avgNationally 2.71%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Months
$0
3.51%
▲ 0.72% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.72% above avgNationally 2.71%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Certificate
$0
3.51%
▲ 0.72% above South Carolina avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.72% above avgNationally 2.71%
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
24 Months
$0
3.50%
▲ 0.71% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.71% above avgNationally 2.71%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month
$0
3.50%
▲ 0.71% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.71% above avgNationally 2.71%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Special
$0
3.50%
▲ 0.71% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.71% above avgNationally 2.71%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Certificate
$0
3.45%
▲ 0.66% above South Carolina avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.66% above avgNationally 2.71%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Month Step Up
$0
3.30%
▲ 0.51% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.51% above avgNationally 2.71%
Details
Step Up
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
24-Month
$100,000
3.30%
▲ 0.51% above South Carolina avg
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.51% above avgNationally 2.71%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
24 Month Term
$0
3.25%
▲ 0.46% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.46% above avgNationally 2.71%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 24 Month Term
$0
3.25%
▲ 0.46% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.46% above avgNationally 2.71%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Month Step Up
$0
3.25%
▲ 0.46% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.46% above avgNationally 2.71%
Details
Step Up
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
24-Month
$1,000
3.25%
▲ 0.46% above South Carolina avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.46% above avgNationally 2.71%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
24 Month Term
$0
3.20%
▲ 0.41% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.41% above avgNationally 2.71%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 24 Month Term
$0
3.20%
▲ 0.41% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.41% above avgNationally 2.71%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 MONTHS
$500
3.20%
▲ 0.41% above South Carolina avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.41% above avgNationally 2.71%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Month Step Up
$0
3.20%
▲ 0.41% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.41% above avgNationally 2.71%
Details
Step Up
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
24 Months
$0
3.20%
▲ 0.41% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.41% above avgNationally 2.71%
Details
Preferred APY*: 3.55%
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
24 Month Term
$0
3.15%
▲ 0.36% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.36% above avgNationally 2.71%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 24 Month Term
$0
3.15%
▲ 0.36% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.36% above avgNationally 2.71%
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
24 month CD
$0
3.14%
▲ 0.35% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.35% above avgNationally 2.71%
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
24-Month IRA
$500
3.14%
▲ 0.35% above South Carolina avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.35% above avgNationally 2.71%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 24 Month
$0
3.14%
▲ 0.35% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.35% above avgNationally 2.71%
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
24 Months
$0
3.14%
▲ 0.35% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.35% above avgNationally 2.71%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 MONTHS
$500
3.10%
▲ 0.31% above South Carolina avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.31% above avgNationally 2.71%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
24 Month Term
$0
3.09%
▲ 0.30% above South Carolina avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.30% above avgNationally 2.71%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 24 Month Term
$0
3.09%
▲ 0.30% above South Carolina avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.30% above avgNationally 2.71%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
24 Month FLEX (with 1x rate increase option)
$0
3.08%
▲ 0.29% above South Carolina avg
▼
Rate3.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.29% above avgNationally 2.71%
Details
with 1x rate increase option
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 MONTHS
$500
3.05%
▲ 0.26% above South Carolina avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.26% above avgNationally 2.71%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
24 Month FLEX (with 1x rate increase option)
$0
3.03%
▲ 0.24% above South Carolina avg
▼
Rate2.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.24% above avgNationally 2.71%
Details
with 1x rate increase option
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
24 Months
$0
3.03%
▲ 0.24% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.24% above avgNationally 2.71%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 MONTHS
$500
3.00%
▲ 0.21% above South Carolina avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.21% above avgNationally 2.71%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month
$0
3.00%
▲ 0.21% above South Carolina avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.21% above avgNationally 2.71%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
24 Month FLEX (with 1x rate increase option)
$0
2.98%
▲ 0.19% above South Carolina avg
▼
Rate2.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.19% above avgNationally 2.71%
Details
with 1x rate increase option
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
24 Month FLEX (with 1x rate increase option)
$0
2.92%
▲ 0.13% above South Carolina avg
▼
Rate2.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▲ 0.13% above avgNationally 2.71%
Details
with 1x rate increase option
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 Month Certificate +50k
$0
2.57%
▼ 0.22% below South Carolina avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.79%▼ 0.22% below avgNationally 2.71%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Smoaks 36 Month CD Rates
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: 4.16%
36 Month Certificate
$500
4.16%
▲ 1.68% above South Carolina avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 1.68% above avgNationally 2.66%
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
36 Month Certificate
$500
3.91%
▲ 1.43% above South Carolina avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 1.43% above avgNationally 2.66%
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
36 Months
$0
3.82%
▲ 1.34% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 1.34% above avgNationally 2.66%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
36 Month Certificate
$500
3.75%
▲ 1.27% above South Carolina avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 1.27% above avgNationally 2.66%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Months
$0
3.70%
▲ 1.22% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 1.22% above avgNationally 2.66%
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
JUMBO CERTIFICATES 36 Months
$0
3.55%
▲ 1.07% above South Carolina avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 1.07% above avgNationally 2.66%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 3 Years
$100,000
3.55%
▲ 1.07% above South Carolina avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 1.07% above avgNationally 2.66%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 3 Years
$100,000
3.55%
▲ 1.07% above South Carolina avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 1.07% above avgNationally 2.66%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 36 Month
$0
3.55%
▲ 1.07% above South Carolina avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 1.07% above avgNationally 2.66%
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
3 years
$0
3.50%
▲ 1.02% above South Carolina avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 1.02% above avgNationally 2.66%
Details
1x Bump Up
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
36 Months
$0
3.50%
▲ 1.02% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 1.02% above avgNationally 2.66%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 3 Years
$10,000
3.45%
▲ 0.97% above South Carolina avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.97% above avgNationally 2.66%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 3 Years
$10,000
3.45%
▲ 0.97% above South Carolina avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.97% above avgNationally 2.66%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36 Months
$0
3.40%
▲ 0.92% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.92% above avgNationally 2.66%
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
36-Month
$100,000
3.40%
▲ 0.92% above South Carolina avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.92% above avgNationally 2.66%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36 Months
$0
3.35%
▲ 0.87% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.87% above avgNationally 2.66%
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
36-Month
$1,000
3.35%
▲ 0.87% above South Carolina avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.87% above avgNationally 2.66%
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
36-Month IRA
$500
3.35%
▲ 0.87% above South Carolina avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.87% above avgNationally 2.66%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
36 Month Term
$0
3.30%
▲ 0.82% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.82% above avgNationally 2.66%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 36 Month Term
$0
3.30%
▲ 0.82% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.82% above avgNationally 2.66%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36 Months
$0
3.30%
▲ 0.82% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.82% above avgNationally 2.66%
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
36 Months
$0
3.29%
▲ 0.81% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.81% above avgNationally 2.66%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
36 Month Term
$0
3.25%
▲ 0.77% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.77% above avgNationally 2.66%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 36 Month Term
$0
3.25%
▲ 0.77% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.77% above avgNationally 2.66%
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
36 Months
$0
3.25%
▲ 0.77% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.77% above avgNationally 2.66%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
36 Month Term
$0
3.19%
▲ 0.71% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.71% above avgNationally 2.66%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 36 Month Term
$0
3.19%
▲ 0.71% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.71% above avgNationally 2.66%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
36 Month Term
$0
3.14%
▲ 0.66% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.66% above avgNationally 2.66%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
Business 36 Month Term
$0
3.14%
▲ 0.66% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.66% above avgNationally 2.66%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 MONTHS
$500
3.05%
▲ 0.57% above South Carolina avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.57% above avgNationally 2.66%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Certificate
$0
3.04%
▲ 0.56% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.56% above avgNationally 2.66%
Details
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
36 Months
$0
3.03%
▲ 0.55% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.55% above avgNationally 2.66%
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
36 Months
$1,000
3.03%
▲ 0.55% above South Carolina avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.55% above avgNationally 2.66%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Certificate
$0
2.99%
▲ 0.51% above South Carolina avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.51% above avgNationally 2.66%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 MONTHS
$500
2.95%
▲ 0.47% above South Carolina avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.47% above avgNationally 2.66%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Certificate
$0
2.94%
▲ 0.46% above South Carolina avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.46% above avgNationally 2.66%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 MONTHS
$500
2.90%
▲ 0.42% above South Carolina avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.42% above avgNationally 2.66%
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
36 Months
$0
2.90%
▲ 0.42% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.42% above avgNationally 2.66%
Details
Preferred APY*: 3.25%
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 MONTHS
$500
2.85%
▲ 0.37% above South Carolina avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.37% above avgNationally 2.66%
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
36 month CD
$0
2.73%
▲ 0.25% above South Carolina avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.25% above avgNationally 2.66%
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Year Certificate JUMBO
$50,000
2.60%
▲ 0.12% above South Carolina avg
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.12% above avgNationally 2.66%
Details
Jumbo Rates Applicable on IRA Certificates
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 Month Certificate +50k
$0
2.52%
▲ 0.04% above South Carolina avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.04% above avgNationally 2.66%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Year Certificate
$500
2.50%
▲ 0.02% above South Carolina avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.02% above avgNationally 2.66%
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Year IRA Certificate
$500
2.50%
▲ 0.02% above South Carolina avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▲ 0.02% above avgNationally 2.66%
Details
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 Month Certificate
$0
2.47%
▼ 0.01% below South Carolina avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▼ 0.01% below avgNationally 2.66%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Palmetto Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 Month Certificate IRA & +25k
$0
2.47%
▼ 0.01% below South Carolina avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▼ 0.01% below avgNationally 2.66%
Details
Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice.
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
36 Months
$0
2.26%
▼ 0.22% below South Carolina avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▼ 0.22% below avgNationally 2.66%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month
$0
2.25%
▼ 0.23% below South Carolina avg
▼
Rate2.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▼ 0.23% below avgNationally 2.66%
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3 Years
$500
1.86%
▼ 0.62% below South Carolina avg
▼
Rate1.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▼ 0.62% below avgNationally 2.66%
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3 Years
$500
1.81%
▼ 0.67% below South Carolina avg
▼
Rate1.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.48%▼ 0.67% below avgNationally 2.66%
Details
Smoaks 48 Month CD Rates
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: 4.16%
48 Month Certificate
$500
4.22%
▲ 1.46% above South Carolina avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 1.46% above avgNationally 2.65%
Details
Woodruff Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
48 month CD
$0
4.06%
▲ 1.30% above South Carolina avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 1.30% above avgNationally 2.65%
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
48 Month Certificate
$500
3.96%
▲ 1.20% above South Carolina avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 1.20% above avgNationally 2.65%
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Months
$0
3.82%
▲ 1.06% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 1.06% above avgNationally 2.65%
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Months
$0
3.70%
▲ 0.94% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.94% above avgNationally 2.65%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 48 Month
$0
3.65%
▲ 0.89% above South Carolina avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.89% above avgNationally 2.65%
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
JUMBO CERTIFICATES 48 Months
$0
3.55%
▲ 0.79% above South Carolina avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.79% above avgNationally 2.65%
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
48 Months
$0
3.50%
▲ 0.74% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.74% above avgNationally 2.65%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
48 Month Certificate
$500
3.50%
▲ 0.74% above South Carolina avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.74% above avgNationally 2.65%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
48-Month
$100,000
3.45%
▲ 0.69% above South Carolina avg
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.69% above avgNationally 2.65%
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
48-Month
$1,000
3.40%
▲ 0.64% above South Carolina avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.64% above avgNationally 2.65%
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
48-Month IRA
$500
3.40%
▲ 0.64% above South Carolina avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.64% above avgNationally 2.65%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
48 Month Term
$0
3.35%
▲ 0.59% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.59% above avgNationally 2.65%
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
48 Months
$0
3.35%
▲ 0.59% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.59% above avgNationally 2.65%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
48 Month Term
$0
3.30%
▲ 0.54% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.54% above avgNationally 2.65%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
48 Month Term
$0
3.25%
▲ 0.49% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.49% above avgNationally 2.65%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
48 Month Term
$0
3.19%
▲ 0.43% above South Carolina avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.43% above avgNationally 2.65%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
48 Months
$0
3.14%
▲ 0.38% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.38% above avgNationally 2.65%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
48 Months
$0
3.09%
▲ 0.33% above South Carolina avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.33% above avgNationally 2.65%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
48 Months
$0
3.04%
▲ 0.28% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.28% above avgNationally 2.65%
Details
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
48 Months
$0
3.03%
▲ 0.27% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.27% above avgNationally 2.65%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 MONTHS
$500
3.00%
▲ 0.24% above South Carolina avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.24% above avgNationally 2.65%
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
48 Months
$0
3.00%
▲ 0.24% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.24% above avgNationally 2.65%
Details
Preferred APY*: 3.35%
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 MONTHS
$500
2.90%
▲ 0.14% above South Carolina avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.14% above avgNationally 2.65%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 MONTHS
$500
2.85%
▲ 0.09% above South Carolina avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.09% above avgNationally 2.65%
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
4 Year Share Certificate JUMBO
$50,000
2.85%
▲ 0.09% above South Carolina avg
▼
Rate2.81%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.09% above avgNationally 2.65%
Details
Jumbo Rates Applicable on IRA Certificates
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 MONTHS
$500
2.80%
▲ 0.04% above South Carolina avg
▼
Rate2.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.04% above avgNationally 2.65%
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48 Months
$0
2.78%
▲ 0.02% above South Carolina avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▲ 0.02% above avgNationally 2.65%
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
4 Year Share Certificate
$500
2.75%
▼ 0.01% below South Carolina avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 0.01% below avgNationally 2.65%
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
4 years
$0
2.52%
▼ 0.24% below South Carolina avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 0.24% below avgNationally 2.65%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month
$0
2.30%
▼ 0.46% below South Carolina avg
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 0.46% below avgNationally 2.65%
Details
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
48 Months
$0
2.01%
▼ 0.75% below South Carolina avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 0.75% below avgNationally 2.65%
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
4 Years
$500
1.91%
▼ 0.85% below South Carolina avg
▼
Rate1.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 0.85% below avgNationally 2.65%
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
4 Years
$500
1.86%
▼ 0.90% below South Carolina avg
▼
Rate1.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 0.90% below avgNationally 2.65%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month
$0
1.80%
▼ 0.96% below South Carolina avg
▼
Rate1.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 0.96% below avgNationally 2.65%
Details
Enterprise Bank of South Carolina
Institution Rating:
F1.0 ★Texas Ratio: 83.85%
48 Month CD
$0
1.61%
▼ 1.15% below South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 1.15% below avgNationally 2.65%
Details
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 48 Month
$100,000
1.15%
▼ 1.61% below South Carolina avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 1.61% below avgNationally 2.65%
Details
$100,000+
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48 Month Certificate of Deposit
$1,000
1.09%
▼ 1.67% below South Carolina avg
▼
Rate1.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 1.67% below avgNationally 2.65%
Details
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 48 Month
$50,000
1.05%
▼ 1.71% below South Carolina avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 1.71% below avgNationally 2.65%
Details
$50,000+
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
IRA Certificates 48 Month
$1,000
1.00%
▼ 1.76% below South Carolina avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 1.76% below avgNationally 2.65%
Details
Up to $50,000
1st Federal Savings Bank of SC
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
48 MONTHS
$1,000
0.80%
▼ 1.96% below South Carolina avg
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 1.96% below avgNationally 2.65%
Details
DAILY
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
4 Years
$0
0.30%
▼ 2.46% below South Carolina avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.76%▼ 2.46% below avgNationally 2.65%
Details
Smoaks 60 Month CD Rates
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: 4.16%
60 Month Certificate
$500
4.27%
▲ 1.77% above South Carolina avg
▼
Rate4.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.77% above avgNationally 2.76%
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 months
$100,000
4.02%
▲ 1.52% above South Carolina avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.52% above avgNationally 2.76%
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate Account 60 months
$0
4.02%
▲ 1.52% above South Carolina avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.52% above avgNationally 2.76%
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
60 Month Certificate
$500
4.01%
▲ 1.51% above South Carolina avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.51% above avgNationally 2.76%
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 months
$500
3.92%
▲ 1.42% above South Carolina avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.42% above avgNationally 2.76%
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate Account 60 months
$0
3.92%
▲ 1.42% above South Carolina avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.42% above avgNationally 2.76%
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
60 Months
$0
3.82%
▲ 1.32% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.32% above avgNationally 2.76%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 60 Month
$0
3.80%
▲ 1.30% above South Carolina avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.30% above avgNationally 2.76%
Details
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 months
$0
3.70%
▲ 1.20% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.20% above avgNationally 2.76%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 5 Years
$100,000
3.60%
▲ 1.10% above South Carolina avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.10% above avgNationally 2.76%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 5 Years
$100,000
3.60%
▲ 1.10% above South Carolina avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.10% above avgNationally 2.76%
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
JUMBO CERTIFICATES 60 Months
$0
3.55%
▲ 1.05% above South Carolina avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.05% above avgNationally 2.76%
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
60-Month
$100,000
3.51%
▲ 1.01% above South Carolina avg
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.01% above avgNationally 2.76%
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
60 Months
$0
3.50%
▲ 1.00% above South Carolina avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.00% above avgNationally 2.76%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 5 Years
$10,000
3.50%
▲ 1.00% above South Carolina avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.00% above avgNationally 2.76%
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 5 Years
$10,000
3.50%
▲ 1.00% above South Carolina avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 1.00% above avgNationally 2.76%
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
60-Month
$1,000
3.45%
▲ 0.95% above South Carolina avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.95% above avgNationally 2.76%
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
60-Month IRA
$500
3.45%
▲ 0.95% above South Carolina avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.95% above avgNationally 2.76%
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
60 Months
$0
3.45%
▲ 0.95% above South Carolina avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.95% above avgNationally 2.76%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
60 Month Term
$0
3.40%
▲ 0.90% above South Carolina avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.90% above avgNationally 2.76%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
60 Month Term
$0
3.35%
▲ 0.85% above South Carolina avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.85% above avgNationally 2.76%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
60 Month Term
$0
3.30%
▲ 0.80% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.80% above avgNationally 2.76%
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
5 years
$0
3.29%
▲ 0.79% above South Carolina avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.79% above avgNationally 2.76%
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
60 Month Term
$0
3.24%
▲ 0.74% above South Carolina avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.74% above avgNationally 2.76%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
60 Months
$0
3.14%
▲ 0.64% above South Carolina avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.64% above avgNationally 2.76%
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
5 Year Share Certificate JUMBO
$50,000
3.10%
▲ 0.60% above South Carolina avg
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.60% above avgNationally 2.76%
Details
Jumbo Rates Applicable on IRA Certificates
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
60 Months
$0
3.10%
▲ 0.60% above South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.60% above avgNationally 2.76%
Details
Preferred APY*: 3.45%
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
60 Months
$0
3.09%
▲ 0.59% above South Carolina avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.59% above avgNationally 2.76%
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2.5 Year Share Certificate
$100
3.05%
▲ 0.55% above South Carolina avg
▼
Rate3.01%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.55% above avgNationally 2.76%
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
60 Months
$0
3.04%
▲ 0.54% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.54% above avgNationally 2.76%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
60 Month Certificate
$0
3.04%
▲ 0.54% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.54% above avgNationally 2.76%
Details
Bank of Travelers Rest
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Months
$0
3.03%
▲ 0.53% above South Carolina avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.53% above avgNationally 2.76%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 MONTHS
$500
3.00%
▲ 0.50% above South Carolina avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.50% above avgNationally 2.76%
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
5 Year Share Certificate
$500
3.00%
▲ 0.50% above South Carolina avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.50% above avgNationally 2.76%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
60 Month Certificate
$500
3.00%
▲ 0.50% above South Carolina avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.50% above avgNationally 2.76%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
60 Month Certificate
$0
2.99%
▲ 0.49% above South Carolina avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.49% above avgNationally 2.76%
Details
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
60 Month Certificate
$0
2.94%
▲ 0.44% above South Carolina avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.44% above avgNationally 2.76%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 MONTHS
$500
2.90%
▲ 0.40% above South Carolina avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.40% above avgNationally 2.76%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 MONTHS
$500
2.85%
▲ 0.35% above South Carolina avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.35% above avgNationally 2.76%
Details
Conway National Bank (CNB)
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 MONTHS
$500
2.80%
▲ 0.30% above South Carolina avg
▼
Rate2.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.30% above avgNationally 2.76%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month
$0
2.80%
▲ 0.30% above South Carolina avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.30% above avgNationally 2.76%
Details
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
60 Months
$0
2.78%
▲ 0.28% above South Carolina avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.28% above avgNationally 2.76%
Details
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
60 Months
$1,000
2.52%
▲ 0.02% above South Carolina avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▲ 0.02% above avgNationally 2.76%
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2.5 Year Certificate
$500
2.35%
▼ 0.15% below South Carolina avg
▼
Rate2.32%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▼ 0.15% below avgNationally 2.76%
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month
$0
2.30%
▼ 0.20% below South Carolina avg
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▼ 0.20% below avgNationally 2.76%
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
5 Years
$500
2.06%
▼ 0.44% below South Carolina avg
▼
Rate2.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▼ 0.44% below avgNationally 2.76%
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
5 Years
$500
2.02%
▼ 0.48% below South Carolina avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▼ 0.48% below avgNationally 2.76%
Details
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
60 Months
$0
2.01%
▼ 0.49% below South Carolina avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▼ 0.49% below avgNationally 2.76%
Details
Enterprise Bank of South Carolina
Institution Rating:
F1.0 ★Texas Ratio: 83.85%
Roth IRA - 60 Month Fixed Rate
$0
1.91%
▼ 0.59% below South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▼ 0.59% below avgNationally 2.76%
Details
Enterprise Bank of South Carolina
Institution Rating:
F1.0 ★Texas Ratio: 83.85%
Roth IRA - 60 Month Variable Rate
$0
1.91%
▼ 0.59% below South Carolina avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
South Carolina Average2.50%▼ 0.59% below avgNationally 2.76%
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.
Smoaks, SC CD Rate Trends
Compare local Smoaks, SC CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — SC Avg
2.665%
▼ 0.729 vs 7 days ago
South Carolina 12-month CD rates fell 0.729 points over the past 7 days to 2.665% APY.
6-Month CD — SC Avg
1.784%
▼ 1.242 vs 7 days ago
South Carolina 6-month CD rates fell 1.242 points over the past 7 days to 1.784% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
SC CD Rate Forecast — Next 12 Months
Where are South Carolina CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
SC 12-Month Avg APY
2.665%
6-Month Forecast
2.665%
Range: 2.47% – 2.82%
12-Month Forecast
2.415%
Range: 2.22% – 2.57%
Powered by
MonitorBankRates
What Your Savings Earn at SC CD Rates Today
Annual interest earnings at today’s South Carolina average APYs. State average used where available; national average as fallback.
| CD Term | SC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.901% | $45.07 | $90.14 | $225.35 | $450.70 |
| 6-Month CD | 1.784% | $89.21 | $178.42 | $446.05 | $892.10 |
| 12-Month CD | 2.665% | $133.26 | $266.52 | $666.30 | $1,332.60 |
| 18-Month CD | 2.527% | $126.35 | $252.70 | $631.75 | $1,263.50 |
| 24-Month CD | 2.787% | $139.36 | $278.71 | $696.78 | $1,393.55 |
| 36-Month CD | 2.479% | $123.95 | $247.90 | $619.75 | $1,239.50 |
| 48-Month CD | 2.764% | $138.19 | $276.37 | $690.93 | $1,381.85 |
| 60-Month CD | 2.502% | $125.11 | $250.21 | $625.53 | $1,251.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Smoaks, 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 | 0.901% | $45.07 |
| 2 | 6-Month CD | $5,000 | 1.784% | $89.21 |
| 3 | 12-Month CD | $5,000 | 2.665% | $133.26 |
| 4 | 24-Month CD | $5,000 | 2.787% | $139.36 |
| 5 | 36-Month CD | $5,000 | 2.479% | $123.95 |
| Total ($25,000 invested) | $25,000 | 2.123% blended | $530.85/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.
381
CD Rates
Tracked in Smoaks, South Carolina
Tracked in Smoaks, South Carolina
14 Banks
29 Credit Unions
About Our Smoaks, South Carolina CD Rate Database
MonitorBankRates tracks 381 CD rates from 14 banks and 29 credit unions with locations in Smoaks, 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: Founders Federal Credit Union offers a CD at 4.58% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Smoaks, South Carolina.
How to Find the Best CD Rates in Smoaks, South Carolina
What to compare when shopping for a CD in Smoaks, South Carolina
To find the best APYs in Smoaks, South Carolina, start with credit unions and online-only banks — Smoaks, South Carolina has 29 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 Smoaks, 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 Smoaks, South Carolina — 43 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Smoaks, South Carolina savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Smoaks, 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
$111/yr
At SC 12-mo avg 2.665% APY
18.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s SC 12-month CD average of 2.665%, saving 10% of the local median salary ($4,152/year) and putting it in a CD would earn an additional $111 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 Smoaks, South Carolina
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Smoaks, South Carolina
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Smoaks, South Carolina typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Smoaks, South Carolina as everywhere in the U.S.
Choosing a CD Term in Smoaks, South Carolina
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Smoaks, South Carolina savers easier access to their funds. For example, Empeople Credit Union is offering its 6 Month Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Founders Federal Credit Union is offering its 60 Month Certificate at 4.27% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Smoaks, South Carolina Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Smoaks, South Carolina saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Smoaks, South Carolina
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Smoaks, South Carolina CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Smoaks, South Carolina
Most CDs carry a fixed rate that is locked for the entire term, protecting a Smoaks, South Carolina depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Smoaks, South Carolina
Are CD rates in Smoaks, South Carolina FDIC insured?
Yes, most established banks in Smoaks, 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 Smoaks, 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 Smoaks, 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 Smoaks, 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 Smoaks, South Carolina?
Here are recent top rates found for this area:
- Founders Federal Credit Union: 4.58% APY (SmartStart 12 Month Certificate)
- OPTUS Bank: 4.13% APY (12-Month Certificate of Deposit)
- Empeople Credit Union: 4.10% APY (12 Month Certificate)
- Woodruff Federal S&L: 4.06% APY (48 month CD)
- Grow Financial Federal Credit Union: 4.02% APY (60 months)
- REV: 4.00% APY (12 Month Special)
- Palmetto Citizens Federal Credit Union: 3.92% APY (12 Months)
- AllSouth Federal Credit Union: 3.92% APY (12 Month Certificate)
- Beacon Community Bank: 3.91% APY (12 Months)
- Self-Help Credit Union: 3.82% APY (36 Months)
Rates reflect recent verified offers available in Smoaks, South Carolina. Last Updated: August 28, 2026
Smoaks, South Carolina CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Smoaks, South Carolina rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Smoaks, South Carolina
Smoaks, South Carolina CD Calculator
At today’s SC top rate of 4.58% APY, a $10,000 deposit earns $458 in the first year. Enter your amount to see your exact return.
Smoaks, South Carolina CD LadderSC CD rates currently range from 0.901% (3-month) to 2.479% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Smoaks, South Carolina CD at 4.58% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsSouth Carolina’s average 12-month CD is 2.665% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Smoaks, South Carolina CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Smoaks, South Carolina directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Smoaks, 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: August 28, 2026
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