Bank · FDIC insured
Optus Bank CD Rates
Optus Bank’s best CD rate is 4.13% APY on a 1-year CD, with extra requirements. Terms run from 9 months to 1 year. Rates checked October 22, 2026.
How Optus Bank’s CD rates compare
Compared with banks and credit unions in South Carolina, where Optus Bank has the most branches. $10,000, best rate first.
This bank’s best
Optus Bank
4.13%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $413
Certificate of Deposit
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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.13%APY · 2 terms
Offered to qualifying new relationship clients only. Minimum deposit of $5,000 required to open and maintain the advertised rate. If the account balance falls below $5,000, the account reverts to the then-current standard rate. Penalty for early withdrawal. Fixed rate for the term of the CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsOffered to qualifying new relationship clients only. Minimum deposit of $5,000 required to open and maintain advertised rate. Effective June 1, 2026 through December 31, 2026. Early withdrawal penalty applies | 3.87% | $289 |
| 12 monthsOffered to qualifying new relationship clients only. Minimum deposit of $5,000 required to open and maintain advertised rate. Effective June 1, 2026 through December 31, 2026. Early withdrawal penalty applies | 4.13% | $413 |
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.