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 31–44 results in Columbia, SC metro
- Palmetto Citizens Federal Credit Union24 Month Step Up CertificateCD · 24 months · $500 min · 3.20%–3.30% by balance
Credit union · 15 branches
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 - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% 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 - 2.25%APY$225 over 1 year on $10,000
Requirements
Product: Early withdrawal fees could reduce earnings and principal on the account.
Effective Oct 1, 2026
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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 - 2.00%APY$200 over 1 year on $10,000
Requirements
Product: Open at nearest United Bank branch. Minimum opening deposit is $500.
Offer: Open at nearest United Bank branch.
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 14 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - South Carolina National Guard FCUShare CertificateCD · 24 months · $1,000 min
Credit union · 2 branches
1.76%APY$355 over 24 months on $10,000Requirements
Product: Dividends compounded quarterly and paid quarterly; can be disbursed into the Share Certificate or directly to the member. Seven-day grace period at maturity. Penalty for early withdrawal ranges from 90 to 180 days of interest depending on term.
Offer: Compounded quarterly. Rates subject to change weekly.
1.75% interest rate · Compounded quarterly · Effective May 25, 2023
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More details - 1.00%APY$100 over 1 year on $10,000
1.00% interest rate · Effective Mar 31, 2026
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More details - 0.70%APY$212 over 36 months on $10,000
Requirements
Product: Rates and other terms are subject to change at any time without prior notice. All dividends are calculated by daily balance method and paid quarterly. A penalty is imposed for early withdrawal. Dividends are compounded and credited quarterly. Accounts are insured up to $250,000.00 by the NCUA.
0.70% interest rate
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More details - Mid Carolina Credit UnionCertificate AccountCD · 36 months · $1,000 min · 0.55%–0.65% by balance
Credit union · 4 branches
0.55%APY$166 over 36 months on $10,000Requirements
Product: Dividends paid monthly. Step-up feature. Federally insured up to $250,000. Early withdrawal penalty applies. Minimum balance of $1,000.
Offer: Penalty for early withdrawal
0.55% interest rate · Effective Aug 26, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $1,000 – $50,000Your amount 0.55% $50,000 – $99,900 0.60% $99,900 and up 0.65% Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Interest compounded annually on CDs over one year. Automatic renewal.
Offer: Penalty for early withdrawal.
Compounded annually · Effective Apr 1, 2024
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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 - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
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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 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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Find your bank or credit union to see all its rates and how they compare near you.
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