Credit union · NCUA insured
Upstate FCU CD Rates
Upstate FCU’s best CD rate is 3.65% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Upstate FCU’s CD rates compare
Compared with banks and credit unions near Greenville, SC, where Upstate FCU has the most branches. $10,000, best rate first.
This credit union’s best
Upstate FCU
3.65%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $365
Normal Term Certificate
Top rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
2nd-highest rate
Southern Bank
5.00%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $1,070
Upstate FCU CD score
77
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.29%
- QualifiedQualified3.65%
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 Upstate FCU 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.
Normal Term Certificate
Up to 3.65%APY · 9 terms
Subject to penalty for withdrawals prior to maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.01% | $50 |
| 6 months | 3.55% | $176 |
| 12 months | 3.65% | $365 |
| 18 months | 3.49% | $528 |
| 24 months | 3.55% | $723 |
| 30 months | 3.55% | $911 |
| 36 months | 3.29% | $1,020 |
| 48 months | 2.78% | $1,159 |
| 60 months | 2.78% | $1,469 |
Step Term Certificate
Up to 3.65%APY · 3 terms
Offers continuous and unlimited contributions. Subject to penalty for withdrawals prior to maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsContinuous and unlimited contributions | 3.65% | $365 |
| 18 monthsContinuous and unlimited contributions | 3.49% | $528 |
| 24 monthsContinuous and unlimited contributions | 3.55% | $723 |
Sources (1)
- upstatefcu.org/share-rates · captured Sep 19, 2026
Special-purpose accounts
IRA Term Certificate
Up to 3.65%APY · 9 terms
Subject to penalty for withdrawals prior to maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.01% | $50 |
| 6 months | 3.55% | $176 |
| 12 months | 3.65% | $365 |
| 18 months | 3.49% | $528 |
| 24 months | 3.55% | $723 |
| 30 months | 3.55% | $911 |
| 36 months | 3.29% | $1,020 |
| 48 months | 2.78% | $1,159 |
| 60 months | 2.78% | $1,469 |
Sources (1)
- upstatefcu.org/share-rates · captured Sep 19, 2026
Who can join Upstate FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.