Compare Bank & Credit Union Rates
Best CD rates in Aiken, SC
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Aiken, SC
- 5.00%APY$1,070 over 25 months on $10,000intro rate
Requirements
Product: Personal accounts only. Early withdrawal penalties may apply.
Offer: Personal accounts only. Deposits limited to $230,000. Limited-time offer. Penalty for early withdrawal.
Promotional rate · Balance cap $230,000 · Effective Oct 17, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000with conditions
Requirements
Product: Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit. Minimum deposit to open is $500. Early withdrawal penalty applies. Terms available from 3 months to 5 years. No setup or monthly service charges.
Offer: Available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit. Minimum to open is $500. Early withdrawal penalty applies.
Qualified rate · Effective Sep 21, 2026
Rate checked
More details - SRP Federal Credit Union7-Month Share CertificateCD · 7 months · $500 min · 4.00%–4.25% by balance
Credit union · 5 branches
4.00%APY$231 over 7 months on $10,000Requirements
Product: Membership required. Early withdrawal penalty equals 90 days of interest.
Offer: Deposits 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.
Effective Oct 1, 2026
Rate by balance
Rate by balance for 7-Month Share Certificate Balance APY $500 – $25,000Your amount 4.00% $25,000 and upIncludes a 0.25% pricing bump for members who deposit $25,000 or more of new money not previously on deposit at SRP. 4.25% Rate checked
More details - SRP Federal Credit UnionTerm Share CertificateCD · 7 months · $500 min · 4.00%–4.25% by balance
Credit union · 5 branches
4.00%APY$231 over 7 months on $10,000Requirements
Product: Membership required. Early withdrawal penalty equals 90 days of interest. Dividends credited monthly.
Offer: Promotional offer. Dividends credited monthly. Early withdrawal penalty equals 90 days of interest.
3.93% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY Any balanceYour amount 4.00% $25,000 and upRequires $25,000 or more of new money not already on deposit at SRP Federal Credit Union. 4.25% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - South Carolina State Credit UnionSCU CertificatesCD · 60–Unknown months · $500 min
Credit union · 1 branch
3.65%APYRequirements
Product: Minimum opening deposit is $500. Must maintain an average daily balance equal to or greater than the minimum opening deposit to earn the APY and avoid service charges. Dividends may be added to certificate balance, automatically transferred to another account, or mailed. Early withdrawal penalties apply.
Offer: Dividends are credited and compounded quarterly.
3.60% interest rate · Compounded quarterly · Effective Oct 19, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Aiken, SC
146 CDs at 9 banks and credit unions · checked Oct 6–22
- Typical
- 1.02%
- Top 10% from
- 3.75%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.54%
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Augusta, GA-SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 4 branches
- PenFed Credit UnionCredit union · 2 branches
- Associated Credit UnionCredit union · 2 branches