Credit union · NCUA insured
Latitude 32 Credit Union CD Rates
Latitude 32 Credit Union’s best CD rate is 3.20% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Latitude 32 Credit Union’s CD rates compare
Compared with banks and credit unions near Charleston, SC, where Latitude 32 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Latitude 32 Credit Union
3.10%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,649
Share Certificate
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
Latitude 32 Credit Union CD score
68
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.35%
- 16–30 months16–30 mo2.65%
- 31–60 months31–60 mo3.10%
- QualifiedQualified3.10%
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 Latitude 32 Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.20%APY · 8 terms
Dividends paid monthly. Early withdrawal penalties apply. Valid only for new deposits: no transfers from shares or other accounts with Latitude 32.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.50% | $37 |
| 6 months | 2.00% | $100 |
| 12 months | 2.35% | $235 |
| 12 monthsJumbo Rate | 2.45% | $245 |
| 24 months | 2.60% | $527 |
| 24 monthsJumbo Rate | 2.70% | $547 |
| 30 months | 2.65% | $676 |
| 36 months | 2.80% | $864 |
| 36 monthsJumbo Rate | 2.90% | $895 |
| 48 months | 3.00% | $1,255 |
| 48 monthsJumbo Rate | 3.10% | $1,299 |
| 60 months | 3.10% | $1,649 |
| 60 monthsJumbo Rate | 3.20% | $1,706 |
Sources (3)
- latitude32.org/personal-banking/certificates-ira
- latitude32.org/rates
- latitude32.org/share-certificates-ira-certificates-rates
All captured Sep 24, 2026
Adult Flex Certificate
2.50%APY · 1 term
Dividends paid monthly. Penalties apply for early withdrawals. Based on dividends remaining on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 2.50% | $506 |
Sources (1)
- latitude32.org/rates · captured Sep 24, 2026
Special-purpose accounts
IRA Certificate
Up to 2.90%APY · 3 terms
Dividends paid monthly. Penalties apply for early withdrawals. IRA Certificate not available in 4 and 5-year terms. Jumbo Rates Applicable on IRA Certificates. Valid only for new deposits: no transfers from shares or other accounts with Latitude 32.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.35% | $235 |
| 12 monthsJumbo Rate | 2.45% | $245 |
| 24 months | 2.60% | $527 |
| 24 monthsJumbo Rate | 2.70% | $547 |
| 36 months | 2.80% | $864 |
| 36 monthsJumbo Rate | 2.90% | $895 |
Youth Flex Certificate
2.50%APY · 1 term
Dividends paid monthly. Penalties apply for early withdrawals. Based on dividends remaining on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 2.50% | $506 |
Sources (1)
- latitude32.org/rates · captured Sep 24, 2026
Who can join Latitude 32 Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, attends school, or belongs to any organization that operates in Charleston County.
Family and household
- Membership is open to family members of individuals who live, work, worship, volunteer, attend school, or belong to any organization that operates in Charleston County.
Cost to join
- Opening a savings account with a minimum share deposit of $25 is required.
- A one-time membership fee of $5 is required to join.
Membership information collected October 4, 2026.