Credit union · NCUA insured
South Central Credit Union CD Rates
South Central Credit Union’s best CD rate is 2.58% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How South Central Credit Union’s CD rates compare
Compared with banks and credit unions near Jackson, MI, where South Central Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
South Central Credit Union
2.58%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,358
CD Gold
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
TLC Community Credit Union
4.47%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $2,444
South Central Credit Union CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo1.56%
- 9–15 months9–15 mo2.02%
- 16–30 months16–30 mo2.27%
- 31–60 months31–60 mo2.58%
- QualifiedQualified2.58%
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 Central 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.
CD Gold
Up to 2.58%APY · 8 terms
Requires a minimum balance of $500.00. Dividends are paid and compounded monthly. Rate is fixed until the end of the term. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.51% | $38 |
| 6 months | 1.56% | $78 |
| 9 months | 1.71% | $128 |
| 12 months | 2.02% | $202 |
| 24 months | 2.27% | $459 |
| 36 months | 2.38% | $731 |
| 48 months | 2.48% | $1,030 |
| 60 months | 2.58% | $1,358 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 2.58%APY · 8 terms
Open an IRA CD with no minimum. Dividends are paid and compounded monthly. Rate is fixed until the end of the term. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.51% | $38 |
| 6 months | 1.56% | $78 |
| 9 months | 1.71% | $128 |
| 12 months | 2.02% | $202 |
| 24 months | 2.27% | $459 |
| 36 months | 2.38% | $731 |
| 48 months | 2.48% | $1,030 |
| 60 months | 2.58% | $1,358 |
Sources (3)
All captured Oct 5, 2026
Who can join South Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Branch, Calhoun, Eaton, Hillsdale, Ingham, Jackson, Lenawee, Livingston, or Washtenaw counties in Michigan.
Employers and groups
- Membership is open to Michigan Railroaders employees and family members.
- Membership is open to employees of South Central Credit Union.
Military, government and schools
- Membership is open to City of Jackson Michigan employees and pensioners (retirees).
- Membership is open to County of Jackson Michigan employees and pensioners (retirees).
- Membership is open to employees of the Jackson County Michigan Townships of Blackman, Leoni and Summit.
1 more way to join
Family and household
- Membership is open to any immediate family member of a current primary member related by blood or marriage, whether living or not living in the same household.
Membership information collected October 5, 2026.