Credit union · NCUA insured
Secured Advantage Federal Credit Union CD Rates
Secured Advantage Federal Credit Union’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Secured Advantage Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Greenville, SC, where Secured Advantage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Secured Advantage Federal Credit Union
3.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $350
Certificate
Top rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
2nd-highest rate
Southern Bank
5.00%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $1,070
Secured Advantage Federal Credit Union CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.26%
- 31–60 months31–60 mo2.26%
- QualifiedQualified3.50%
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 Secured Advantage 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 3.50%APY · 7 terms
Dividends compounded semi-annually and/or at maturity. Rate is fixed for the term after opening. Substantial penalty for early withdrawal. Certificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated.
| Term | APY · $500 and up | APY · $500 – $90,000 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 1.50% | — | — | 1.50% | $75 |
| 12 months | — | 3.50% | — | 3.50% | $350 |
| 12 monthsCertificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated. Stated dividend rate is 3.75% | — | — | 3.82% | —3.82% from $90k | — |
| 18 months | — | 2.01% | — | 2.01% | $303 |
| 18 monthsCertificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated. Stated dividend rate is 2.25% | — | — | 2.28% | —2.28% from $90k | — |
| 24 months | — | 2.26% | — | 2.26% | $457 |
| 24 monthsCertificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated. Stated dividend rate is 2.50% | — | — | 2.53% | —2.53% from $90k | — |
| 36 months | — | 2.26% | — | 2.26% | $693 |
| 36 monthsCertificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated. Stated dividend rate is 2.50% | — | — | 2.53% | —2.53% from $90k | — |
| 48 months | — | 2.01% | — | 2.01% | $829 |
| 60 months | — | 2.01% | — | 2.01% | $1,046 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificate
Up to 3.50%APY · 7 terms
Individual Retirement Account certificate. Offers Traditional and Roth IRAs. Rate is fixed for the term after opening. Substantial penalty for early withdrawal of certificate funds; additional IRA penalty may apply for early withdrawal of IRA funds. Certificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated.
| Term | APY · $500 and up | APY · $500 – $90,000 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 1.50% | — | — | 1.50% | $75 |
| 12 months | — | 3.50% | — | 3.50% | $350 |
| 12 monthsCertificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated. Stated dividend rate is 3.75% | — | — | 3.82% | —3.82% from $90k | — |
| 18 months | — | 2.01% | — | 2.01% | $303 |
| 24 months | — | 2.26% | — | 2.26% | $457 |
| 24 monthsCertificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated. Stated dividend rate is 2.50% | — | — | 2.53% | —2.53% from $90k | — |
| 36 months | — | 2.26% | — | 2.26% | $693 |
| 36 monthsCertificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated. Stated dividend rate is 2.50% | — | — | 2.53% | —2.53% from $90k | — |
| 48 months | — | 2.01% | — | 2.01% | $829 |
| 60 months | — | 2.01% | — | 2.01% | $1,046 |
Who can join Secured Advantage 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
- Individuals who live, work, worship, volunteer, or attend school in Greenville or Spartanburg counties, South Carolina, or in Wichita County or Iowa Park, Texas are eligible for membership.
Employers and groups
- Contract workers who regularly work under contract with Sealed Air Corp. are eligible for membership.
- Employees of Itty Bitty Child Care Center in Liberty, South Carolina are eligible for membership.
- Employees and retirees of Sealed Air Corp. or its subsidiaries/affiliates are eligible for membership.
Family and household
- Spouses, household members, or family members of current Secured Advantage members are eligible for membership.
Membership information collected October 4, 2026.