Credit union · NCUA insured
Palmetto Citizens Federal Credit Union CD Rates
Palmetto Citizens Federal Credit Union’s best CD rate is 3.92% APY on a 1-year share certificate (CD). Terms run from 3 months to 7 years. Rates checked October 22, 2026.
How Palmetto Citizens Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Columbia, SC, where Palmetto Citizens Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Palmetto Citizens Federal Credit Union
3.82%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $382
Certificate
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
Palmetto Citizens Federal Credit Union CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.82%
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 Palmetto Citizens 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.
Certificate
Up to 3.82%APY · 11 terms
Rates subject to change at any time without notice. Membership eligibility required.
| Term | APY · $500 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.75% | 0.80% | 0.85% | 0.75%0.80% from $100k0.85% from $250k | $19 |
| 6 months | 3.45% | 3.51% | 3.56% | 3.45%3.51% from $100k3.56% from $250k | $173 |
| 12 months | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $100k3.92% from $250k | $382 |
| 18 months | 3.56% | 3.61% | 3.66% | 3.56%3.61% from $100k3.66% from $250k | $539 |
| 24 months | 3.51% | 3.56% | 3.61% | 3.51%3.56% from $100k3.61% from $250k | $714 |
| 30 months | 3.30% | 3.35% | 3.40% | 3.30%3.35% from $100k3.40% from $250k | $846 |
| 36 months | 3.30% | 3.35% | 3.40% | 3.30%3.35% from $100k3.40% from $250k | $1,023 |
| 48 months | 3.04% | 3.09% | 3.14% | 3.04%3.09% from $100k3.14% from $250k | $1,273 |
| 60 months | 3.04% | 3.09% | 3.14% | 3.04%3.09% from $100k3.14% from $250k | $1,615 |
| 72 months | 3.04% | 3.09% | 3.14% | 3.04%3.09% from $100k3.14% from $250k | $1,968 |
| 84 months | 3.04% | 3.09% | 3.14% | 3.04%3.09% from $100k3.14% from $250k | $2,332 |
Sources (1)
- newsite.palmettocitizens.org/rates · captured Sep 19, 2026
12 Months Add-To Certificate
3.40%APY · 1 term
12 Months Add-To certificate. Rates subject to change without notice.
| Term | APY · $500 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.40% | 3.45% | 3.51% | 3.40%3.45% from $100k3.51% from $250k | $340 |
Sources (1)
- newsite.palmettocitizens.org/rates · captured Sep 19, 2026
24 Month Step Up Certificate
3.20%APY · 1 term
24 Month Step Up certificate. Rates subject to change without notice.
| Term | APY · $500 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 months | 3.20% | 3.25% | 3.30% | 3.20%3.25% from $100k3.30% from $250k | $650 |
Sources (1)
- newsite.palmettocitizens.org/rates · captured Sep 19, 2026
Special-purpose accounts
12 Months Youth Add-To Certificate
3.40%APY · 1 term
12 Months Youth Add-To certificate. Rates subject to change without notice.
| Term | APY · $500 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.40% | 3.45% | 3.51% | 3.40%3.45% from $100k3.51% from $250k | $340 |
Sources (1)
- newsite.palmettocitizens.org/rates · captured Sep 19, 2026
Who can join Palmetto Citizens Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.