Bank · FDIC insured
Beacon Community Bank CD Rates
Beacon Community Bank’s best CD rate is 3.97% APY on a 5-month CD. Terms run from 5 months to 5 years. Rates checked September 24, 2026.
How Beacon Community Bank’s CD rates compare
Compared with banks and credit unions near Charleston, SC, where Beacon Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Beacon Community Bank
3.97%APY
- Term
- 5 months
- Minimum
- $250
- Earns on $10,000
- $164
Certificates of Deposit
Top rate
Coastal States Bank
4.50%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $260
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Beacon Community Bank CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.97%
- 9–15 months9–15 mo3.91%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.70%
- QualifiedQualified3.97%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Beacon Community Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.97%APY · 11 terms
A minimum balance of $250.00 is required to open this account. Interest will be compounded and credited annually for terms equal to and greater than one year. Interest will be compounded and credited at maturity for CD terms less than 12 months. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsInterest compounded and credited at maturity. Penalty of 5 months interest on amount withdrawn for early withdrawal | 3.97% | $164 |
| 6 monthsInterest compounded and credited at maturity. Penalty of 6 months interest on amount withdrawn may be imposed for early withdrawal | 3.90% | $193 |
| 7 monthsInterest compounded and credited at maturity. Penalty of 6 months interest on amount withdrawn may be imposed for early withdrawal | 3.85% | $223 |
| 10 monthsInterest compounded and credited at maturity. Penalty of 6 months interest on amount withdrawn may be imposed for early withdrawal | 3.90% | $324 |
| 12 monthsInterest compounded and credited annually. Penalty of 6 months interest on amount withdrawn may be imposed for early withdrawal | 3.91% | $391 |
| 18 monthsInterest compounded and credited annually. Penalty of 12 months interest on amount withdrawn may be imposed for early withdrawal | 3.75% | $568 |
| 24 monthsInterest compounded and credited annually. Penalty of 12 months interest on amount withdrawn may be imposed for early withdrawal | 3.75% | $764 |
| 30 monthsInterest compounded and credited annually. Penalty of 12 months interest on amount withdrawn may be imposed for early withdrawal | 3.70% | $951 |
| 36 monthsInterest compounded and credited annually. Penalty of 12 months interest on amount withdrawn may be imposed for early withdrawal | 3.70% | $1,152 |
| 48 monthsInterest compounded and credited annually. Penalty of 12 months interest on amount withdrawn may be imposed for early withdrawal | 3.70% | $1,564 |
| 60 monthsInterest compounded and credited annually. Penalty of 12 months interest on amount withdrawn may be imposed for early withdrawal | 3.70% | $1,992 |
Sources (3)
- beacon.bank/personal/banking/interest-rates
- beacon.bank/personal/banking/savings
- beacon.bank/personal/disclosures
All captured Sep 19, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.