Credit union · NCUA insured
The Southern Credit Union CD Rates
The Southern Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How The Southern Credit Union’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where The Southern Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The Southern Credit Union
3.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $350
Term Share Certificate
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
CDC Federal Credit Union
4.59%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $459
The Southern Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.15%
- QualifiedQualified3.50%
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 The Southern 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.
Term Share Certificate
Up to 3.50%APY · 8 terms
Minimum opening deposit is $500.00. 91-day and 182-day certificates are simple interest certificates with dividends credited at maturity and monthly respectively. Other terms have dividends compounded and credited quarterly. Term Share accounts are subject to credit union membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91-day term. Simple interest certificate; dividends credited at maturity. Minimum opening deposit $500.00 | 2.50% | $62 |
| 6 months182-day term. Simple interest certificate; dividends credited monthly. Minimum opening deposit $500.00 | 3.40% | $169 |
| 12 months1-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00 | 3.50% | $350 |
| 18 months18-Month term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00 | 3.25% | $491 |
| 24 months2-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00 | 3.15% | $640 |
| 36 months3-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00 | 3.00% | $927 |
| 48 months4-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00 | 3.00% | $1,255 |
| 60 months5-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00 | 3.15% | $1,677 |
Sources (2)
- southernonline.org/accounts/ot…s/rates-and-fee-schedule
- southernonline.org/accounts/sa…/certificates-of-deposit
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificate
Up to 3.50%APY · 5 terms
Available as Traditional or Roth IRA Term Share Certificates of Deposit. Minimum deposit amount is $500.00. Terms available from 1-year to 5-years. Dividends are compounded quarterly and paid quarterly. Requires membership in The Southern Credit Union. An IRA Transfer Fee of $25.00 applies to IRA transfers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00. Available for Traditional and Roth IRAs | 3.50% | $350 |
| 24 months2-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00. Available for Traditional and Roth IRAs. (Note: sched1 as of 2026-09-01 listed 3.25% APY; updated to 3.15% APY as of 2026-10-01 in p6) | 3.15% | $640 |
| 36 months3-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00. Available for Traditional and Roth IRAs | 3.00% | $927 |
| 48 months4-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00. Available for Traditional and Roth IRAs | 3.00% | $1,255 |
| 60 months5-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00. Available for Traditional and Roth IRAs | 3.15% | $1,677 |
Sources (2)
All captured Oct 22, 2026
Who can join The Southern 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 individuals who live or work in the Georgia counties of Butts, Carroll, Clayton, Coweta, Fayette, Fulton, Henry, Lamar, Meriwether, Pike, Spalding, Troup, or Upson.
Employers and groups
- Membership is open to individuals employed by a Select Employer Group or associated with a Select Organization Group.
Family and household
- Membership is open to immediate family members, including spouses, siblings, parents, children, grandchildren, and grandparents related by blood or marriage.
Cost to join
- An opening deposit of at least $25 is required to establish membership, which is refundable upon account closure.
Membership information collected October 4, 2026.