Bank · FDIC insured
First Piedmont CD Rates
First Piedmont’s best CD rate is 1.77% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First Piedmont’s CD rates compare
Compared with banks and credit unions near Spartanburg, SC, where First Piedmont has the most branches. $10,000, best rate first.
This bank’s best
First Piedmont
1.77%APY
- Term
- 6 months
- Minimum
- $100
- Earns on $10,000
- $88
Regular CD
Top rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
2nd-highest rate
Southern Bank
5.00%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $1,070
First Piedmont CD score
62
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo1.77%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo1.21%
- 31–60 months31–60 mo0.30%
- QualifiedQualified1.77%
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 First Piedmont 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.
Regular CD
Up to 1.77%APY · 11 terms
Amounts less than $100,000.00. Grace period of 7 days from maturity date to withdraw funds or change account terms. Penalty for early withdrawal. Fees may reduce earnings. May deposit anytime.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate. Term 91 Days. Interest paid at maturity | 0.20% | $5 |
| 6 monthsFixed rate. Term 182 Days (6 Months). Interest paid at maturity | 1.77% | $88 |
| 9 monthsFixed rate. Term 9 Months. Interest paid at maturity | 0.30% | $22 |
| 12 monthsFixed rate. Term 1 Year. Interest paid at maturity | 0.30% | $30 |
| 13 monthsFixed rate. Term 13 Months. Interest paid quarterly | 0.30% | $33 |
| 18 monthsFixed rate. Term 18 Months. Interest paid quarterly | 0.30% | $45 |
| 24 monthsFixed rate. Term 2 Years. Interest paid quarterly | 1.21% | $243 |
| 30 monthsFixed rate. Term 30 Months (2.5 Years). Interest paid quarterly | 0.30% | $75 |
| 36 monthsFixed rate. Term 3 Years. Interest paid quarterly | 0.30% | $90 |
| 48 monthsFixed rate. Term 4 Years. Interest paid quarterly | 0.30% | $121 |
| 60 monthsFixed rate. Term 5 Years. Interest paid quarterly | 0.30% | $151 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA - Variable CD
Up to 1.21%APY · 2 terms
Available as Traditional IRA, Roth IRA, or Education IRA. Penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate. Term 18 Months | 0.30% | $45 |
| 24 monthsVariable rate. Term 2 Years | 1.21% | $243 |
Sources (2)
All captured Oct 4, 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.