Credit union · NCUA insured
MTC Federal Credit Union CD Rates
MTC Federal Credit Union’s best CD rate is 4.01% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How MTC Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Greenville, SC, where MTC Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MTC Federal Credit Union
4.17%APY
- Term
- 8 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $276
Specials
Top rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $500
2nd-highest rate
Southern Bank
5.00%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,070
MTC Federal Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo4.01%
- QualifiedQualified4.01%
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 MTC Federal 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.
Specials
Up to 4.17%APY · 1 term
Quarterly Posted Dividend Certificates. Penalty for early withdrawal. Both 8 Month Specials auto renew to 12-month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsAuto renews to 12-month term | 3.80% | $252 |
| 8 monthsAuto renews to 12-month term. Requires (a) recurring direct deposit present in the last 90 days, minimum of 5 financial transactions excluding dividend accrual in previous 90 day period, and open debit card attached to MTC Federal checking account, or (b) minimum total originated balance of $20,000 in active loans with MTC Federal, or (c) minimum of $10,000 new money deposited from another financial institution | 4.17% | $276 |
Sources (2)
All captured Oct 22, 2026
Share Certificates Plus
Up to 4.01%APY · 9 terms
Quarterly Posted Dividend Certificates. Monthly Distributed Dividend Certificates are available. Early withdrawal penalty applies. Must be a credit union member.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.47% | $61 |
| 6 months | 3.55% | $176 |
| 12 months | 3.85% | $385 |
| 18 months | 3.60% | $545 |
| 24 months | 3.65% | $743 |
| 30 months | 3.70% | $951 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.85% | $1,631 |
| 60 months | 4.01% | $2,172 |
Sources (2)
All captured Oct 22, 2026
Share Certificates
Up to 3.80%APY · 9 terms
Quarterly Posted Dividend Certificates. Monthly Distributed Dividend Certificates are available. Early withdrawal penalty applies. Must be a credit union member.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.27% | $56 |
| 6 months | 3.34% | $166 |
| 12 months | 3.65% | $365 |
| 18 months | 3.39% | $513 |
| 24 months | 3.44% | $700 |
| 30 months | 3.49% | $895 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.65% | $1,542 |
| 60 months | 3.80% | $2,050 |
Sources (3)
- mtcfederal.com/articles/deposit-account-rates
- mtcfederal.com/articles/share-certificates
- mtcfederal.com/articles/iras
All captured Oct 22, 2026
Special-purpose accounts
IRA Plus Certificates
Up to 4.01%APY · 9 terms
Minimum balance $10,000. Quarterly posted dividend certificates. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.47% | $61 |
| 6 months | 3.55% | $176 |
| 12 months | 3.85% | $385 |
| 18 months | 3.60% | $545 |
| 24 months | 3.65% | $743 |
| 30 months | 3.70% | $951 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.85% | $1,631 |
| 60 months | 4.01% | $2,172 |
Sources (2)
All captured Oct 22, 2026
IRA Certificates
Up to 3.80%APY · 9 terms
Minimum balance $250. Minimum opening deposit of $250 for Traditional and Roth IRAs. Quarterly posted dividend certificates. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.27% | $56 |
| 6 months | 3.34% | $166 |
| 12 months | 3.65% | $365 |
| 18 months | 3.39% | $513 |
| 24 months | 3.44% | $700 |
| 30 months | 3.49% | $895 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.65% | $1,542 |
| 60 months | 3.80% | $2,050 |
Sources (2)
All captured Oct 22, 2026
Who can join MTC Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents in specific geographic regions, including Carter County, Oklahoma, and parts of Greenville, Anderson, and Pickens counties in South Carolina, are eligible to join.
Employers and groups
- Eligible inpatriates, expatriates, and international employees working in the United States for one of MTC Federal's current business partners are eligible for membership.
- Employees and contractors of MTC Federal preferred employee groups (PEGs) are eligible for membership.
Family and household
- Immediate family members (including spouses, children, parents, grandparents, grandchildren, and siblings) and household members of living or deceased credit union members are eligible to join.
Other ways
- Anyone outside the geographic eligibility areas can become eligible by joining Friends of the Foundation through the Carolinas Credit Union Foundation.
Cost to join
- Membership is established by opening a Share Savings account with a $50 initial deposit.
Membership information collected October 4, 2026.