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 1–15 of 38 results in Charleston, SC metro
- 4.15%APY$415 over 1 year on $10,000on balances up to $10,000
Requirements
Product: Minimum opening deposit $250. Rates accurate as of 10/29/2026. 10-calendar-day grace period at maturity. Automatically renews to non-promotional rate unless action taken. Promotional rates vary by term and balance.
Offer: Promotional APY 12-month term
Effective Oct 29, 2026
Rate checked
More details - 4.14%APY$414 over 1 year on $10,000on balances up to $10,000
Requirements
Product: Minimum opening deposit $250. Rates accurate as of 10/29/2026. 10-calendar-day grace period at maturity. Automatically renews to non-promotional rate unless action taken. Promotional rates vary by term and balance.
Offer: Non-Promotional APY 12-month term
Effective Oct 29, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 4 branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Share certificate for a single deposit. Terms from 3 months to 7 years. Minimum deposit $1,000; no maximum balance. May renew up to 21 days after maturity. Dividends compounded daily, credited monthly. Early withdrawal penalties apply. Rate tables publish APY only for Standard terms.
Offer: $1K minimum APY tier. Single deposit; no maximum balance.
Compounded daily · Effective Nov 13, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up$20K minimum APY tier. 4.05% $100,000 and up$100K minimum APY tier. 4.10% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Share certificate. Add money any time until maturity; no maximum balance. Multiple certificates allowed. May renew up to 21 days after maturity. Dividends compounded daily, credited monthly. Early withdrawal penalties apply.
Offer: EasyStart Certificate; additional deposits allowed until maturity; no maximum balance.
3.92% interest rate · Compounded daily · Effective Nov 13, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Flexible terms from 6 to 60 months. Starting with just $500 to open. No service charges. For terms less than 12-months, dividends are paid upon maturity; 6 month Share Certificate does not compound and credit quarterly. 12-month and longer Certificate dividends are compounded and credited quarterly and at maturity. Penalties may apply for early withdrawals.
Offer: Dividends are compounded and credited quarterly and at maturity.
Effective Nov 1, 2026
Rate checked
More details - Bayer Heritage Federal Credit UnionShare CertificatesCD · 12 months · $100 min
Credit union · 3 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Add to certificate balance at any time; 10-day grace period; early withdrawal penalties apply.
3.92% interest rate · Effective Nov 1, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Open online up to $1,000; visit branch for amounts over $1,000. 3 to 60-month term options available.
Offer: Special
3.92% interest rate
Rate checked
More details - 3.98%APY$398 over 1 year on $10,000
Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
3.90% interest rate · Effective Nov 1, 2026
Rate checked
More details - Grow FinancialCertificate AccountCD · 12–17 months · $500 min · 3.97%–4.07% by balance
Credit union · 2 branches
3.97%APYRequirements
Product: Minimum balance of $500.00 required to open and maintain the account; account will be closed if balance falls below requirements. Membership required.
Offer: Must maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY.
3.90% interest rate · Effective Nov 6, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 – $100,000Your amount 3.97% $100,000 and up 4.07% Rate checked
More details - 3.90%APY$390 over 1 year on $10,000intro rate
Requirements
Product: Interest rate guaranteed for entire term. Early withdrawal penalties may apply. Auto-renews at maturity.
Offer: Special promotional rate. Minimum balance to open and obtain APY is $1,000. Penalty for early withdrawal will reduce earnings.
Promotional rate · Effective Nov 11, 2026
Rate checked
More details - 3.87%APY$387 over 1 year on $10,000
Requirements
Product: Minimum balance of $100.00 required to open and maintain the account; account will be closed if balance falls below requirements. Additional deposits of at least $1.00 permitted during term by manual deposit or automatic transfer. Automatically renews into a new Add-On Certificate at maturity unless closed; if balance is $500 or more, may select a new certificate term. Membership required.
Offer: Must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed APY. Additional deposits of at least $1.00 permitted during the term.
3.80% interest rate · Effective Nov 6, 2026
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 (an additional 15 basis points to the stated rate). Compounded quarterly.
Offer: Compounded Quarterly. Members 55 years old and over can add an additional 15 basis points to the stated rate. Restrictions do apply.
3.60% interest rate · Compounded quarterly · Effective Nov 1, 2026
Rate checked
More details - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: Minimum certificate deposit: $1,000.
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
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 1-year CDs pay in Charleston, SC metro
38 CDs at 28 banks and credit unions · checked Oct 16–Nov 14
- Typical
- 2.13%
- Top 10% from
- 4.00%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.70%
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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
- Nucor Employee's Credit UnionCredit union · 1 branch
- Bayer Heritage Federal Credit UnionCredit union · 3 branches