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 results in Columbia, SC metro
- 1st Cooperative Federal Credit UnionSavings CertificateCD · 15 months · $1,000 min
Credit union · 1 branch
4.50%APY$566 over 15 months on $10,000intro rateRequirements
Product: After certificate is opened, dividend rate is fixed for the term. Fees could reduce earnings. Penalty may be imposed for early withdrawal.
Offer: Limited-time offer. Maximum deposit of $250,000. Compounded quarterly.
Promotional rate · Compounded quarterly · Balance cap $250,000
Rate checked
More details - Carolinas Telco Federal Credit UnionShare Certificate AccountsCD · 15 months · $500 min
Credit union · 1 branch
4.30%APY$540 over 15 months on $10,000Requirements
Product: Must deposit or maintain minimum required share(s) in a Prime Share Savings account ($5.00 par value). Dividends compounded and credited monthly. Dividends calculated using the average daily balance method. Penalty applies for early withdrawal. Account automatically renews at maturity unless specified otherwise.
4.22% interest rate · Effective Oct 13, 2026
Rate checked
More details - SAFE Federal Credit Union9 Month Specialty Share CertificateCD · 9 months · $1,000 min
Credit union · 10 branches
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 - 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 This is a limited time offer and may be withdrawn at any time without notice.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 - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Early withdrawal fees could reduce earnings and principal on the account. Certificate dividends paid at maturity for 6 to 11-month terms and quarterly for 12 to 48-month terms. Automatic renewal at maturity available.
Offer: Certificate dividends paid quarterly.
Effective Oct 1, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.18%APY$1,307 over 36 months 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.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.17%APY$276 over 8 months on $10,000with conditions
Requirements
Product: Quarterly Posted Dividend Certificates. Penalty for early withdrawal. Both 8 Month Specials auto renew to 12-month term.
Offer: Auto renews to 12-month term. Requires (a) recurring direct deposit present in the last 90 days, minimum of 5 financial transactions excluding dividend accrual in previous 90 day period, and open debit card attached to MTC Federal checking account, or (b) minimum total originated balance of $20,000 in active loans with MTC Federal, or (c) minimum of $10,000 new money deposited from another financial institution.
Qualified rate · 4.10% interest rate
Rate checked
More details - AllSouth Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min · 4.13%–4.23% by balance
Credit union · 18 branches
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 - 4.13%APY$413 over 1 year on $10,000with conditions
Requirements
Product: Offered to qualifying new relationship clients only. Minimum deposit of $5,000 required to open and maintain the advertised rate. If the account balance falls below $5,000, the account reverts to the then-current standard rate. Penalty for early withdrawal. Fixed rate for the term of the CD.
Offer: Offered to qualifying new relationship clients only. Minimum deposit of $5,000 required to open and maintain advertised rate. Effective June 1, 2026 through December 31, 2026. Early withdrawal penalty applies.
Qualified rate · 4.05% interest rate · Effective Jun 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 2 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - South Carolina Federal Credit UnionPremium Share CertificateCD · 60 months · $500 min
Credit union · 4 branches
4.10%APY$2,225 over 60 months on $10,000with conditionsRequirements
Product: Only available with Premium Checking account. $500 minimum balance required to earn APY. Penalties may apply for early withdrawal.
Offer: Only available with Premium Checking account.
Qualified rate · 4.03% interest rate · Effective Dec 30, 2025
Rate checked
More details - Grow FinancialCertificate AccountCD · 24–29 months · $500 min · 4.07%–4.18% by balance
Credit union · 2 branches
4.07%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.
4.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 – $100,000Your amount 4.07% $100,000 and up 4.18% Rate checked
More details - Neighbors United FCUFixed Rate Term Share CertificatesCD · 16 months · $5,000 min
Credit union · 1 branch
4.06%APY$545 over 16 months on $10,000intro rateRequirements
Product: Dividends compound and credit semi-annually. Insured up to $250,000 by NCUA. No setup or monthly maintenance fees. Early withdrawal penalties may apply.
Offer: 16 Month Special ($5,000 minimum)
Promotional rate · 4.00% interest rate
Rate checked
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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 Columbia, SC metro
318 CDs at 29 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.45%
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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