Credit union · NCUA insured
Santee Cooper Credit Union CD Rates
Santee Cooper Credit Union’s best CD rate is 3.65% APY on a 1-year share certificate (CD). Terms run from 3 months to 2 years. Rates checked October 22, 2026.
How Santee Cooper Credit Union’s CD rates compare
Compared with banks and credit unions near Charleston, SC, where Santee Cooper Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Santee Cooper Credit Union
3.65%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $365
Share Certificates
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
Santee Cooper Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.19%
- QualifiedQualified3.65%
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 Santee Cooper 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 Certificates
Up to 3.65%APY · 5 terms
Penalties for early withdrawal may apply. Members over the age of 55 qualify for a higher rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.63% | $65 |
| 6 months | 3.55% | $176 |
| 12 months | 3.65% | $365 |
| 18 months | 3.03% | $458 |
| 24 months | 3.19% | $648 |
Sources (3)
- santeecoopercreditunion.com
- santeecoopercreditunion.com/accounts/investing-
- santeecoopercreditunion.com/accounts/deposit-rates
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.65%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.63% | $65 |
| 6 months | 3.55% | $176 |
| 12 months | 3.65% | $365 |
| 18 months | 3.03% | $458 |
| 24 months | 3.19% | $648 |
Sources (1)
- santeecoopercreditunion.com/accounts/deposit-rates · captured Oct 15, 2026
Who can join Santee Cooper Credit Union
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