Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Charleston, SC metro
- 4.00%APY$434 over 13 months on $10,000with conditions
Requirements
Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.
Qualified rate · Effective Sep 24, 2026
Rate checked
More details - South Carolina Federal Credit UnionRegular Share CertificateCD · 60 months · $500 min
Credit union · 16 branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: $500 minimum balance required to earn APY. Penalties may apply for early withdrawal.
3.93% interest rate · Effective Dec 30, 2025
Rate checked
More details - 3.97%APY$164 over 5 months on $10,000
Requirements
Product: A minimum balance of $250.00 is required to open this account. Interest will be compounded and credited annually for terms equal to and greater than one year. Interest will be compounded and credited at maturity for CD terms less than 12 months. Early withdrawal penalties apply.
Offer: Interest compounded and credited at maturity. Penalty of 5 months interest on amount withdrawn for early withdrawal.
Effective May 4, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 1 branch
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - 3.80%APY$252 over 8 months on $10,000with conditions
Requirements
Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.
Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.
Qualified rate · Compounded daily · Effective Sep 24, 2026
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 - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 1 branch
3.75%APY$343 over 11 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 11 Month Promotional CD Balance APY Up to $9,998 0.02% $9,999 – $24,998Your amount 3.75% $24,999 – $49,998 3.75% $49,999 and up 3.75% Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Requires Main Savings Account with $250 minimum deposit. No annual fees, no monthly service charge. Dividends compounded/paid quarterly. 10-day grace period at maturity. Early withdrawal penalties may apply. At maturity, account is subject to automatic renewal at the rate then in effect for that term.
Offer: Dividend rate is 3.65%. Dividends compounded quarterly.
3.65% interest rate · Compounded quarterly · Effective Feb 13, 2026
Rate checked
More details - 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 - 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 - 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 - 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 - REV Federal Credit UnionSavings Builder CertificateCD · 12 months · $0 min
Credit union · 11 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
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More details - 3.40%APY$340 over 1 year on $10,000
Requirements
Product: Minimum certificate deposit: $1,000.
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
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 Charleston, SC metro
342 CDs at 29 banks and credit unions · checked Oct 4–22
- Typical
- 2.00%
- Top 10% from
- 3.98%
- Banks, typical
- 1.25%
- Credit unions, typical
- 3.50%
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Charleston, SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CPM Federal Credit UnionCredit union · 2 branches
- Self-Help Federal Credit UnionCredit union · 1 branch
- Nucor Employee's Credit UnionCredit union · 1 branch