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 West Columbia, SC
- SAFE Federal Credit Union9 Month Specialty Share CertificateCD · 9 months · $1,000 min
Credit union · 1 branch
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 This is a limited time offer and may be withdrawn at any time without notice.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 - South Carolina Federal Credit UnionPremium Share CertificateCD · 60 months · $500 min
Credit union · 1 branch
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 - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.
Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.
3.99% interest rate · Balance cap $10,000,000
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000with conditions
Requirements
Product: Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit. Minimum deposit to open is $500. Early withdrawal penalty applies. Terms available from 3 months to 5 years. No setup or monthly service charges.
Offer: Available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit. Minimum to open is $500. Early withdrawal penalty applies.
Qualified rate · Effective Sep 21, 2026
Rate checked
More details - South Carolina Federal Credit UnionRegular Share CertificateCD · 60 months · $500 min
Credit union · 1 branch
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 - Palmetto Citizens Federal Credit UnionCertificateCD · 12 months · $500 min · 3.82%–3.92% by balance
Credit union · 1 branch
3.82%APY$382 over 1 year on $10,000Requirements
Product: Rates subject to change at any time without notice. Membership eligibility required.
3.75% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 3.82% $100,000 and up 3.87% $250,000 and up 3.92% 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 - SAFE Federal Credit UnionShare Investment CertificatesCD · 12 months · $1,000 min · 3.50%–3.65% by balance
Credit union · 1 branch
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 - Palmetto Citizens Federal Credit Union12 Months Add-To CertificateCD · 12 months · $500 min · 3.40%–3.51% by balance
Credit union · 1 branch
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 - Palmetto Citizens Federal Credit Union24 Month Step Up CertificateCD · 24 months · $500 min · 3.20%–3.30% by balance
Credit union · 1 branch
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 - 2.00%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.
Rate checked
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
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
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 West Columbia, SC
82 CDs at 8 banks and credit unions · checked Oct 4–22
- Typical
- 2.05%
- Top 10% from
- 3.98%
- Banks, typical
- 1.88%
- Credit unions, typical
- 2.58%
Is your bank paying you enough?
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