Credit union · NCUA insured
Southeastern Credit Union CD Rates
Southeastern Credit Union’s best CD rate is 4.15% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Southeastern Credit Union’s CD rates compare
Compared with banks and credit unions near Valdosta, GA, where Southeastern Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southeastern Credit Union
4.15%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $629
Share Certificates
2nd-highest rate
Colony Bank
4.05%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $371
3rd-highest rate
Renasant Bank
4.00%APY
- Term
- 13 months
- Minimum
- $10,000
- Earns on $10,000
- $434
Southeastern Credit Union CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.00%
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 Southeastern 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.
Share Certificates
Up to 4.15%APY · 8 terms
No setup or maintenance fees. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends may be paid quarterly or at maturity; based on simple dividend calculation | 1.51% | $38 |
| 6 monthsDividends may be paid quarterly or at maturity; based on simple dividend calculation | 3.50% | $173 |
| 12 monthsDividends may be paid quarterly or at maturity; compounded quarterly | 4.00% | $400 |
| 18 monthsDividends may be paid quarterly or at maturity; compounded quarterly | 4.15% | $629 |
| 24 monthsDividends may be paid quarterly or at maturity; compounded quarterly | 3.50% | $712 |
| 36 monthsDividends may be paid quarterly or at maturity; compounded quarterly | 3.50% | $1,087 |
| 48 monthsDividends may be paid quarterly or at maturity; compounded quarterly | 3.50% | $1,475 |
| 60 monthsDividends may be paid quarterly or at maturity; compounded quarterly | 3.50% | $1,877 |
Who can join Southeastern Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses and other legal entities located in any of the 14 service area counties are eligible for membership.
- Individuals who live or work in Ben Hill, Berrien, Brooks, Colquitt, Cook, Echols, Irwin, Lanier, Lowndes, Pierce, Tift, Thomas, Turner, or Ware County are eligible to join.
Employers and groups
- Individuals and businesses who join Friends of the Foundation are eligible for membership even if they live or work outside the field of membership.
Family and household
- Immediate family members of current members are eligible to join regardless of where they live.
Cost to join
- Membership requires a $25 share deposit into a Share Savings Account.
Membership information collected October 4, 2026.