Credit union · NCUA insured
South Carolina Federal Credit Union CD Rates
South Carolina Federal Credit Union’s best CD rate is 4.10% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How South Carolina Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Charleston, SC, where South Carolina Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
South Carolina Federal Credit Union
4.10%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $2,225
Premium Share Certificate
Top rate
Coastal States Bank
4.50%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $260
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
South Carolina Federal Credit Union CD score
74
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo1.85%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.10%
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 South Carolina 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.
Jumbo Share Certificate
Up to 4.10%APY · 7 terms
$50,000 minimum balance required to earn APY. Penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.60% | — |
| 6 months | 1.95% | — |
| 12 months | 2.35% | — |
| 18 months | 2.40% | — |
| 24 months | 2.60% | — |
| 36 months | 2.85% | — |
| 36 monthsStep-Up option allows moving to a higher dividend rate if rates rise during term | 2.75% | — |
| 60 months | 4.10% | — |
Sources (2)
- scfederal.org/rates-fees/savings-certificates-rates
- scfederal.org/savings/long-ter…vings/share-certificates
All captured Sep 19, 2026
Premium Share Certificate
4.10%APY · 1 term
Only available with Premium Checking account. $500 minimum balance required to earn APY. Penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsOnly available with Premium Checking account | 4.10% | $2,225 |
Sources (2)
- scfederal.org/rates-fees/savings-certificates-rates
- scfederal.org/savings/long-ter…vings/share-certificates
All captured Sep 19, 2026
Regular Share Certificate
Up to 4.00%APY · 7 terms
$500 minimum balance required to earn APY. Penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.50% | $37 |
| 6 months | 1.85% | $92 |
| 12 months | 2.25% | $225 |
| 18 months | 2.30% | $347 |
| 24 months | 2.50% | $506 |
| 36 months | 2.75% | $848 |
| 36 monthsStep-Up option allows moving to a higher dividend rate if rates rise during term | 2.65% | $816 |
| 60 months | 4.00% | $2,167 |
Sources (2)
- scfederal.org/rates-fees/savings-certificates-rates
- scfederal.org/savings/long-ter…vings/share-certificates
All captured Sep 19, 2026
Special-purpose accounts
Jumbo IRA Certificate
Up to 4.10%APY · 7 terms
$50,000 minimum balance required to earn APY. Traditional and Roth IRAs available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.60% | — |
| 6 months | 1.95% | — |
| 12 months | 2.35% | — |
| 18 months | 2.40% | — |
| 24 months | 2.60% | — |
| 36 months | 2.85% | — |
| 36 monthsStep-Up option allows moving to a higher dividend rate if rates rise during term | 2.75% | — |
| 60 months | 4.10% | — |
Sources (2)
- scfederal.org/rates-fees/savings-certificates-rates
- scfederal.org/savings/long-term-savings/ira-certificates
All captured Sep 19, 2026
Regular IRA Certificate
Up to 4.00%APY · 7 terms
$500 minimum balance required to earn APY. Traditional and Roth IRAs available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.50% | $37 |
| 6 months | 1.85% | $92 |
| 12 months | 2.25% | $225 |
| 18 months | 2.30% | $347 |
| 24 months | 2.50% | $506 |
| 36 months | 2.75% | $848 |
| 36 monthsStep-Up option allows moving to a higher dividend rate if rates rise during term | 2.65% | $816 |
| 60 months | 4.00% | $2,167 |
Sources (2)
- scfederal.org/rates-fees/savings-certificates-rates
- scfederal.org/savings/long-term-savings/ira-certificates
All captured Sep 19, 2026
Who can join South Carolina Federal Credit Union
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