Compare Bank & Credit Union Rates
Best CD rates in South Carolina
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 61–75 results in South Carolina
- 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Penalties for early withdrawal may apply. Members over the age of 55 qualify for a higher rate.
3.60% interest rate
Rate checked
More details - Peach State Federal Credit UnionFreedom Term Share Certificate (or CD)CD · 12 months · $2,500 min
Credit union · 4 branches
3.65%APY$365 over 1 year on $10,000Requirements
Product: Early withdrawal penalty applies: 30 days' dividends for terms of 6 to 12 months. After certificate is opened, dividend rate is fixed for the term.
3.59% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Subject to penalty for withdrawals prior to maturity.
3.60% interest rate · Effective Apr 6, 2026
Rate checked
More details - 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Offers continuous and unlimited contributions. Subject to penalty for withdrawals prior to maturity.
Offer: Continuous and unlimited contributions.
3.60% interest rate · Effective Apr 6, 2026
Rate checked
More details - South Carolina State Credit UnionSCU CertificatesCD · 60–Unknown months · $500 min
Credit union · 19 branches
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 - State Department Federal Credit UnionBump Up CertificateCD · 17 months · $500 min
Credit union · 1 branch
3.60%APY$514 over 17 months on $10,000Requirements
Product: Starting with $500 to open. Option to raise interest rate once during original term to the next prevailing rate. Additional funds can be added when bump option is exercised. Terms of 17, 30, or 45 months. Compounded and credited quarterly and at maturity. Early withdrawal penalties apply.
Offer: Option to adjust rate once during original term to next prevailing rate. Dividends compounded and credited quarterly and at maturity.
Effective Oct 1, 2026
Rate checked
More details - Carolina Trust Credit UnionMoney Builder CertificateCD · 12 months · $100 min
Credit union · 7 branches
3.56%APY$356 over 1 year on $10,000Requirements
Product: Available for beginning savers; early withdrawal penalty applies; withdrawals reduce earnings.
Offer: Early withdrawal penalty applies; withdrawals reduce earnings.
Rate checked
More details - Bayer Heritage Federal Credit UnionShare CertificatesCD · 12 months · $100 min
Credit union · 3 branches
3.55%APY$355 over 1 year on $10,000Requirements
Product: Add to certificate balance at any time; 10-day grace period; early withdrawal penalties apply.
3.49% interest rate · Effective Oct 1, 2026
Rate checked
More details - Secured Advantage Federal Credit UnionCertificateCD · 12 months · $500 min · 3.50%–3.82% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: Dividends compounded semi-annually and/or at maturity. Rate is fixed for the term after opening. Substantial penalty for early withdrawal. Certificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated.
3.50% interest rate · Effective Apr 1, 2025
Rate by balance
Rate by balance for Certificate Balance APY $500 – $90,000Your amount 3.50% $90,000 and upStated dividend rate is 3.75%. 3.82%* Rate checked
More details - SAFE Federal Credit UnionShare Investment CertificatesCD · 12 months · $1,000 min · 3.50%–3.65% by balance
Credit union · 21 branches
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 - REV Federal Credit UnionSavings Builder CertificateCD · 12 months · $0 min
Credit union · 12 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: Additional deposits can be made at any time. $1,000 online opening limit.
3.44% interest rate
Rate checked
More details - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Product: Dividends are compounded and paid monthly. Early withdrawal penalties may apply. Minimum balance of $500 required for dividend earnings. Can be used as collateral for a loan.
3.40% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.40%APY$340 over 1 year on $10,000
Requirements
Product: Minimum deposit of $500 required. Par value of a regular share is $5. Compounded daily, credited monthly. Automatically renews at maturity after a 5 calendar day grace period. Early withdrawal penalties apply.
Offer: Penalty of 90 days dividends for early withdrawal on terms of one year or less. Minimum deposit of $500 required.
3.33% interest rate · Compounded daily · Effective Aug 1, 2026
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 · 16 branches
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 - 3.40%APY$340 over 1 year on $10,000
Requirements
Product: Minimum certificate deposit: $1,000.
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 South Carolina
718 CDs at 76 banks and credit unions · checked Oct 15–22
- Typical
- 2.79%
- Top 10% from
- 4.00%
- Banks, typical
- 1.25%
- Credit unions, typical
- 3.30%
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Find your bank or credit union to see all its rates and how they compare near you.
South Carolina
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 1 branch
- Peach State Federal Credit UnionCredit union · 4 branches
- Greenville Heritage Federal Credit UnionCredit union · 3 branches