Credit union · NCUA insured
SPC Credit Union CD Rates
SPC Credit Union’s best CD rate is 3.97% APY on a 2-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How SPC Credit Union’s CD rates compare
Compared with banks and credit unions near Florence, SC, where SPC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SPC Credit Union
3.75%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $375
Share Certificate
Top rate
Honda Federal Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $10,000
- Earns on $10,000
- $2,522
2nd-highest rate
Carolina Trust Credit Union
4.54%APY
- Term
- 18 months
- Minimum
- $250
- Earns on $10,000
- $689
SPC Credit Union CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.75%
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 SPC 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 Certificate
Up to 3.75%APY · 7 terms
Certificate rates are fixed for the term of the account. A penalty will be imposed for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.50% | — | 3.50% | $173 |
| 9 months | — | 3.82% | —3.82% from $25k | — |
| 12 months | 3.75% | — | 3.75% | $375 |
| 18 months | 3.05% | — | 3.05% | $461 |
| 24 months | — | 3.97% | —3.97% from $25k | — |
| 30 months | 3.20% | — | 3.20% | $819 |
| 48 months | 3.30% | — | 3.30% | $1,387 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
Up to 3.75%APY · 7 terms
IRA Certificate account. Certificate rates are fixed for the term of the account. A penalty will be imposed for early withdrawal. Subject to transaction limitations and penalties under the Internal Revenue Code. Dividends compounded and credited monthly.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.50% | — | 3.50% | $173 |
| 9 months | — | 3.82% | —3.82% from $25k | — |
| 12 months | 3.75% | — | 3.75% | $375 |
| 18 months | 3.05% | — | 3.05% | $461 |
| 24 months | — | 3.97% | —3.97% from $25k | — |
| 30 months | 3.20% | — | 3.20% | $819 |
| 48 months | 3.30% | — | 3.30% | $1,387 |
Sources (2)
All captured Sep 19, 2026
Youth Certificate
3.50%APY · 1 term
For youth/student members. Certificate rates are fixed for the term of the account. A penalty will be imposed for early withdrawal. Dividends compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
Sources (2)
All captured Sep 19, 2026
Who can join SPC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or attends school in Darlington, Florence, Marlboro, or Chesterfield Counties is eligible for membership.
Employers and groups
- Employees of select employee groups in the Hartsville, Darlington, and Bennettsville area, as well as employees of Sonoco Products Company and its affiliates throughout the United States, are eligible for membership.
Family and household
- Any person related by blood or marriage to a current SPC member, regardless of employment or residence, is eligible for membership.
Cost to join
- A $5 minimum deposit is required to open an account.
Membership information collected October 4, 2026.