Credit union · NCUA insured
Mid Carolina Credit Union CD Rates
Top CarrotMid Carolina Credit Union’s best CD rate is 0.65% APY on a 2-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Mid Carolina Credit Union’s CD rates compare
Compared with banks and credit unions near Columbia, SC, where Mid Carolina Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mid Carolina Credit Union
0.55%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $166
Certificate Account
Top rate
1st Cooperative Federal Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $566
2nd-highest rate
Carolinas Telco Federal Credit Union
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
Mid Carolina Credit Union CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.25%
- 9–15 months9–15 mo0.35%
- 16–30 months16–30 mo0.50%
- 31–60 months31–60 mo0.55%
- QualifiedQualified0.55%
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 Mid Carolina 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.
Certificate Account
Up to 0.55%APY · 6 terms
Dividends paid monthly. Step-up feature. Federally insured up to $250,000. Early withdrawal penalty applies. Minimum balance of $1,000.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $99,900 | APY · $99,900 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsPenalty for early withdrawal | 0.25% | 0.25% | 0.25% | 0.25%0.25% $50k–$99.9k0.25% from $99.9k | $12 |
| 12 monthsPenalty for early withdrawal | 0.35% | 0.35% | 0.35% | 0.35%0.35% $50k–$99.9k0.35% from $99.9k | $35 |
| 18 monthsPenalty for early withdrawal | 0.40% | 0.40% | 0.40% | 0.40%0.40% $50k–$99.9k0.40% from $99.9k | $60 |
| 24 monthsPenalty for early withdrawal | 0.45% | 0.55% | 0.65% | 0.45%0.55% $50k–$99.9k0.65% from $99.9k | $90 |
| 30 monthsPenalty for early withdrawal | 0.50% | 0.55% | 0.60% | 0.50%0.55% $50k–$99.9k0.60% from $99.9k | $125 |
| 36 monthsPenalty for early withdrawal | 0.55% | 0.60% | 0.65% | 0.55%0.60% $50k–$99.9k0.65% from $99.9k | $166 |
Who can join Mid Carolina 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This may be incomplete or out of date, so check with the credit union before you apply.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 any individual who lives, works, or attends school in Kershaw or Richland counties in South Carolina.
Employers and groups
- Membership is available to multiple employment groups included in the expanded charter.
Family and household
- Individuals outside the area who have immediate family in Kershaw or Richland counties may be eligible to join.
Other ways
- Membership may be available to businesses, non-profits, churches, and legal entities operating in Kershaw or Richland counties.
Cost to join
- Joining requires opening a savings account with a minimum deposit of $5.00 and presenting a current photo ID.
Membership information collected October 4, 2026.