Credit union · NCUA insured
South Carolina State Credit Union CD Rates
Top CarrotSouth Carolina State Credit Union’s best CD rate is 3.65% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How South Carolina State Credit Union’s CD rates compare
Compared with banks and credit unions near Columbia, SC, where South Carolina State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
South Carolina State Credit Union
3.65%APY
- Term
- 60–Unknown months
- Minimum
- $500
- Earns on $10,000
- —
SCU Certificates
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
South Carolina State Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.53%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.65%
- 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 South Carolina State 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.
SCU Certificates
Up to 3.65%APY · 8 terms
Minimum opening deposit is $500. Must maintain an average daily balance equal to or greater than the minimum opening deposit to earn the APY and avoid service charges. Dividends may be added to certificate balance, automatically transferred to another account, or mailed. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–Unknown monthsDividends are credited and compounded at maturity | 1.51% | $38 |
| 6–Unknown monthsDividends are credited and compounded at maturity | 3.53% | $175 |
| 12–Unknown monthsDividends are credited and compounded quarterly | 3.60% | $360 |
| 18–Unknown monthsDividends are credited and compounded quarterly | 3.44% | $520 |
| 24–Unknown monthsDividends are credited and compounded quarterly | 3.50% | $712 |
| 36–Unknown monthsDividends are credited and compounded quarterly | 3.55% | $1,103 |
| 48–Unknown monthsDividends are credited and compounded quarterly | 3.60% | $1,520 |
| 60–Unknown monthsDividends are credited and compounded quarterly | 3.65% | $1,963 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
Up to 3.65%APY · 6 terms
Minimum opening deposit is $500. Terms of 12-60 months available (certificates with term less than 12 months are not available for IRAs). Dividends are added to the balance. Traditional, Roth, and Education IRA types supported. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–Unknown monthsDividends credited and compounded quarterly and added to balance | 3.60% | $360 |
| 18–Unknown monthsDividends credited and compounded quarterly and added to balance | 3.44% | $520 |
| 24–Unknown monthsDividends credited and compounded quarterly and added to balance | 3.50% | $712 |
| 36–Unknown monthsDividends credited and compounded quarterly and added to balance | 3.55% | $1,103 |
| 48–Unknown monthsDividends credited and compounded quarterly and added to balance | 3.60% | $1,520 |
| 60–Unknown monthsDividends credited and compounded quarterly and added to balance | 3.65% | $1,963 |
Sources (2)
All captured Oct 22, 2026
Youth Certificates
3.60%APY · 1 term
Available to members 17 years of age and under. Minimum opening deposit $100. Additional deposits of $25 or more may be made any time. Must maintain an average daily balance equal to or greater than minimum opening deposit to earn APY and avoid service charges. Early withdrawal fees apply if funds are not left until term ends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends are credited and compounded quarterly. Additional deposits of at least $25 anytime. For members 17 and under | 3.60% | $360 |
Sources (3)
- scscu.com/join/competitive-rates
- scscu.com/accounts/savings-accounts/youth-certificates
- scscu.com/docs/default-source/…t-scu-you-letterhead.pdf
All captured Oct 22, 2026
Who can join South Carolina State 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, or go to school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens, or Spartanburg counties are eligible for membership.
Employers and groups
- Employees of Preferred Employer Groups can join.
Military, government and schools
- Students, professors, and staff members at any South Carolina technical college or state-chartered college or university are eligible for membership.
- City, county, or state employees qualify for membership.
- Individuals enrolled in the South Carolina retirement system are eligible for membership.
Family and household
- Individuals related by blood or marriage to a current SCU member are eligible to become members.
Membership information collected October 4, 2026.