Compare Bank & Credit Union Rates
Best CD rates in Irmo, SC
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–11 results in Irmo, SC
- SAFE Federal Credit Union9 Month Specialty Share CertificateCD · 9 months · $1,000 min
Credit union · 1 branch
4.25%APY$317 over 9 months on $10,000intro rateRequirements
Product: Minimum deposit $1,000. Automatically renews at maturity to a 12-month term Standard Certificate after a grace period of ten (10) calendar days.
Promotional rate · 4.16% interest rate
Rate checked
More details - AllSouth Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min · 4.13%–4.23% by balance
Credit union · 1 branch
4.13%APY$413 over 1 year on $10,000Requirements
Product: Fixed-Term Savings. Higher Dividends. Earn dividends based on your certificate balance and rate, with fixed terms from 3 to 60 months. Dividends will be compounded monthly and credited monthly. Certificates are subject to penalty for early withdrawal. Fees and withdrawals may reduce earnings on the account. $1,000 minimum balance to open. 7-day grace period after maturity. Open 3, 6, 12-month terms online or open longer term certificates at one of our locations.
Offer: Dividends compounded monthly and credited monthly. Subject to early withdrawal penalty.
4.05% interest rate · Compounded monthly · Effective Oct 20, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 4.13% $10,000 and upYour amount 4.13% $25,000 and up 4.13% $50,000 and up 4.18% $75,000 and up 4.18% $100,000 and up 4.23% 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 - Palmetto Citizens Federal Credit UnionCertificateCD · 12 months · $500 min · 3.82%–3.92% by balance
Credit union · 1 branch
3.82%APY$382 over 1 year on $10,000Requirements
Product: Rates subject to change at any time without notice. Membership eligibility required.
3.75% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 3.82% $100,000 and up 3.87% $250,000 and up 3.92% Rate checked
More details - SAFE Federal Credit UnionShare Investment CertificatesCD · 12 months · $1,000 min · 3.50%–3.65% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: Standard and Jumbo tiers ($1,000 / $50,000 / $100,000 minimum deposits). Rates fixed for the term. Dividends compounded daily and credited monthly using Daily Balance computation method. Automatically renews at maturity after a 10 calendar day grace period; no additional deposits permitted after opening. Early withdrawal penalty: terms < 12 months forfeit 30 days dividends; terms >= 12 months forfeit 90 days dividends. Membership savings account required.
Offer: Standard tier ($1,000 minimum deposit) / Up to $50,000.
3.44% interest rate · Compounded daily · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Investment Certificates Balance APY $1,000 – $50,000Your amount 3.50% $50,000 and up 3.55% $100,000 and up 3.65% Rate checked
More details - Palmetto Citizens Federal Credit Union12 Months Add-To CertificateCD · 12 months · $500 min · 3.40%–3.51% by balance
Credit union · 1 branch
3.40%APY$340 over 1 year on $10,000Requirements
Product: 12 Months Add-To certificate. Rates subject to change without notice.
3.35% interest rate
Rate by balance
Rate by balance for 12 Months Add-To Certificate Balance APY $500 and upYour amount 3.40% $100,000 and up 3.45% $250,000 and up 3.51% 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 - Palmetto Citizens Federal Credit Union24 Month Step Up CertificateCD · 24 months · $500 min · 3.20%–3.30% by balance
Credit union · 1 branch
3.20%APY$650 over 24 months on $10,000Requirements
Product: 24 Month Step Up certificate. Rates subject to change without notice.
3.15% interest rate
Rate by balance
Rate by balance for 24 Month Step Up Certificate Balance APY $500 and upYour amount 3.20% $100,000 and up 3.25% $250,000 and up 3.30% 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 - 2.02%APY$202 over 1 year on $10,000
Requirements
Product: Flexible 12-month build-as-you-go certificate. Add money anytime during the 12 month term using Online and Mobile Banking or automatic transfers. $100 initial deposit to open. Dividends compounded and credited monthly. 7-day grace period after maturity. Open online or at branches. Subject to penalty for early withdrawal.
Offer: Dividends compounded monthly and credited monthly. Add money anytime during the 12 month term using Online and Mobile Banking or automatic transfers. Subject to early withdrawal penalty.
2.00% interest rate · Compounded monthly · Effective Oct 20, 2026
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
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 Irmo, SC
102 CDs at 5 banks and credit unions · checked Oct 16–22
- Typical
- 0.75%
- Top 10% from
- 3.45%
- Banks, typical
- 0.02%
- Credit unions, typical
- 3.04%
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Columbia, SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mid Carolina Credit UnionCredit union · 4 branches
- Carolinas Telco Federal Credit UnionCredit union · 1 branch
- Spero FinancialCredit union · 1 branch