Credit union · NCUA insured
SCMCCU CD Rates
SCMCCU’s best CD rate is 1.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How SCMCCU’s CD rates compare
Compared with banks and credit unions near Columbia, SC, where SCMCCU has the most branches. $10,000, best rate first.
This credit union’s best
SCMCCU
1.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $100
Share 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
SCMCCU CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.85%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo1.00%
- QualifiedQualified1.00%
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 SCMCCU 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 Certificate
Up to 1.00%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.85% | $42 |
| 12 months | 1.00% | $100 |
| 18 months | 1.00% | $150 |
| 24 months | 1.00% | $201 |
Sources (1)
- scmccu.org/sharerates · captured Sep 19, 2026
Who can join SCMCCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the United Methodist and Global Methodist Conferences in South Carolina are eligible for membership.
- Global Methodist Churches, their pastors, members, and staff in South Carolina who were formerly United Methodist Churches and have Methodist or Wesleyan in their new name are eligible for membership.
- Employees of the United Methodist Homes of South Carolina are eligible for membership.
- Other former United Methodist Churches, their pastors, members, and staff with Methodist or Wesleyan in their new name are eligible for membership.
- Retirees of any of the eligible organizations are eligible for membership.
- United Methodist Churches, pastors, members, and staff in South Carolina are eligible for membership.
2 more ways to join
Military, government and schools
- Employees of Claflin University, Columbia College, Spartanburg Methodist College, and Wofford College are eligible for membership.
Family and household
- Family members (spouses, children, grandchildren, parents, grandparents, and siblings) of members are eligible for membership.
Cost to join
- Members must maintain a $5 membership deposit.
Membership information collected October 4, 2026.