Credit union · NCUA insured
SRP Federal Credit Union CD Rates
SRP Federal Credit Union’s best CD rate is 4.25% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How SRP Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Augusta, GA-SC, where SRP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SRP Federal Credit Union
4.00%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $231
7-Month Share Certificate
Top rate
Southern Bank
5.00%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $1,070
2nd-highest rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
SRP Federal Credit Union CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.20%
- 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 SRP Federal 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.
7-Month Share Certificate
4.00%APY · 1 term
Membership required. Early withdrawal penalty equals 90 days of interest.
| Term | APY · $500 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 monthsDeposits between $500 and $24,999.99 or amounts over $25,000 that are not considered new money. Early withdrawal penalty equals 90 days of interest | 4.00% | — | 4.00% | $231 |
| 7 monthsIncludes a 0.25% pricing bump for members who deposit $25,000 or more of new money not previously on deposit at SRP. Early withdrawal penalty equals 90 days of interest | — | 4.25% | —4.25% from $25k | — |
Sources (3)
All captured Oct 4, 2026
Term Share Certificate
Up to 4.00%APY · 9 terms
Membership required. Early withdrawal penalty equals 90 days of interest. Dividends credited monthly.
| Term | APY · Any balance | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends credited monthly. Early withdrawal penalty equals 90 days of interest | 2.00% | — | 2.00% | $50 |
| 6 monthsDividends credited monthly. Early withdrawal penalty equals 90 days of interest | 3.60% | — | 3.60% | $178 |
| 7 monthsPromotional offer. Dividends credited monthly. Early withdrawal penalty equals 90 days of interest | 4.00% | — | 4.00% | $231 |
| 7 monthsPromotional offer. Requires $25,000 or more of new money not already on deposit at SRP Federal Credit Union. Dividends credited monthly. Early withdrawal penalty equals 90 days of interest | — | 4.25% | —4.25% from $25k | — |
| 12 monthsDividend period maturity / dividends credited monthly. Early withdrawal penalty equals 90 days of interest | 3.75% | — | 3.75% | $375 |
| 24 monthsDividends credited monthly. Early withdrawal penalty equals 90 days of interest | 3.65% | — | 3.65% | $743 |
| 30 monthsDividends credited monthly. Early withdrawal penalty equals 90 days of interest | 2.70% | — | 2.70% | $689 |
| 36 monthsDividends credited monthly. Early withdrawal penalty equals 90 days of interest | 3.10% | — | 3.10% | $959 |
| 48 monthsDividends credited monthly. Early withdrawal penalty equals 90 days of interest | 3.15% | — | 3.15% | $1,321 |
| 60 monthsDividends credited monthly. Early withdrawal penalty equals 90 days of interest | 3.20% | — | 3.20% | $1,706 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 9 terms
Membership required. Available as Traditional or Roth IRA share certificates. No maintenance or set-up fees. Early withdrawal penalty equals 90 days of interest.
| Term | APY · Any balance | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends credited monthly. No maintenance or set-up fees. Early withdrawal penalty equals 90 days of interest | 2.00% | — | 2.00% | $50 |
| 6 monthsDividends credited monthly. No maintenance or set-up fees. Early withdrawal penalty equals 90 days of interest | 3.60% | — | 3.60% | $178 |
| 7 monthsPromotional offer. Dividends credited monthly. No maintenance or set-up fees. Early withdrawal penalty equals 90 days of interest | 4.00% | — | 4.00% | $231 |
| 7 monthsPromotional offer. Requires $25,000 or more of new money not already on deposit at SRP Federal Credit Union. Dividends credited monthly. No maintenance or set-up fees. Early withdrawal penalty equals 90 days of interest | — | 4.25% | —4.25% from $25k | — |
| 12 monthsDividend period maturity / dividends credited monthly. No maintenance or set-up fees. Early withdrawal penalty equals 90 days of interest | 3.75% | — | 3.75% | $375 |
| 24 monthsDividends credited monthly. No maintenance or set-up fees. Early withdrawal penalty equals 90 days of interest | 3.65% | — | 3.65% | $743 |
| 30 monthsDividends credited monthly. No maintenance or set-up fees. Early withdrawal penalty equals 90 days of interest | 2.70% | — | 2.70% | $689 |
| 36 monthsDividends credited monthly. No maintenance or set-up fees. Early withdrawal penalty equals 90 days of interest | 3.10% | — | 3.10% | $959 |
| 48 monthsDividends credited monthly. No maintenance or set-up fees. Early withdrawal penalty equals 90 days of interest | 3.15% | — | 3.15% | $1,321 |
| 60 monthsDividends credited monthly. No maintenance or set-up fees. Early withdrawal penalty equals 90 days of interest | 3.20% | — | 3.20% | $1,706 |
Sources (3)
- srpfcu.org/bank/accounts/savings-accounts/ira
- srpfcu.org/bank/accounts/certificates
- srpfcu.org/term-share-certificate-disclosure
All captured Oct 4, 2026
Who can join SRP Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any business physically located in Aiken, Allendale, Barnwell, or Edgefield County in South Carolina or Burke, Columbia, Jefferson, Lincoln, McDuffie, or Richmond County in Georgia is eligible for membership.
Membership information collected October 4, 2026.