Credit union · NCUA insured
Southern Pine Credit Union CD Rates
Southern Pine Credit Union’s best CD rate is 2.26% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Southern Pine Credit Union’s CD rates compare
Compared with banks and credit unions near Valdosta, GA, where Southern Pine Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southern Pine Credit Union
2.26%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $226
Certificates of Deposit
Top rate
Southeastern Credit Union
4.15%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $629
2nd-highest rate
Colony Bank
4.05%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $371
Southern Pine Credit Union CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo2.26%
- 16–30 months16–30 mo2.01%
- 31–60 months31–60 mo1.76%
- QualifiedQualified2.26%
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 Southern Pine 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.
Certificates of Deposit
Up to 2.26%APY · 4 terms
Certificate rates subject to change without notice and a penalty is imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty is imposed for early withdrawal | 1.00% | $50 |
| 12 monthsPenalty is imposed for early withdrawal | 2.26% | $226 |
| 24 monthsPenalty is imposed for early withdrawal | 2.01% | $406 |
| 36 monthsPenalty is imposed for early withdrawal | 1.76% | $537 |
Sources (1)
- southernpinecu.org/rates/share-rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.26%APY · 4 terms
Rates are the same as standard Certificates of Deposit. Subject to change without notice; penalty imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty is imposed for early withdrawal | 1.00% | $50 |
| 12 monthsPenalty is imposed for early withdrawal | 2.26% | $226 |
| 24 monthsPenalty is imposed for early withdrawal | 2.01% | $406 |
| 36 monthsPenalty is imposed for early withdrawal | 1.76% | $537 |
Sources (1)
- southernpinecu.org/rates/share-rates · captured Oct 5, 2026
Who can join Southern Pine Credit Union
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