Palmetto Citizens Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Palmetto Citizens Federal Credit Union's highest tracked CD (share certificate) rate is 3.92% APY on a 12-month CD ($250,000 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.75% to 3.92% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.82% on 12 months
Palmetto Citizens Federal Credit Union CD & share certificate rates
Membership required. Certificates from 91 days to 84 months in three balance tiers, including 12-month Add-To, Youth Add-To and 24-month Step Up certificates. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 91 days | Certificate | $250,000 | 0.85% | −3.44% | Top 81% of tracked 91-day CDs · Verified October 22, 2026 |
| 91 days | Certificate | $100,000 | 0.80% | −3.50% | Top 81% of tracked 91-day CDs · Verified October 22, 2026 |
| 91 days | Certificate | $500 | 0.75% | −3.54% | Top 82% of tracked 91-day CDs · Verified October 22, 2026 |
| 182 days | Certificate | $250,000 | 3.56% | −0.84% | Verified October 22, 2026 |
| 182 days | Certificate | $100,000 | 3.51% | −0.89% | Verified October 22, 2026 |
| 182 days | Certificate | $500 | 3.45% | −0.95% | Verified October 22, 2026 |
| 12 months | Certificate | $250,000 | 3.92% | −0.65% | Top 30% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate | $100,000 | 3.87% | −0.70% | Top 33% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate | $500 | 3.82% | −0.75% | Top 35% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Youth Add-To Certificate Special | $250,000same APY in 2 balance tiers | 3.51% | −1.06% | Top 53% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Youth Add-To Certificate Special | $100,000same APY in 2 balance tiers | 3.45% | −1.12% | Top 59% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Youth Add-To Certificate Special | $500same APY in 2 balance tiers | 3.40% | −1.17% | Top 61% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate | $250,000 | 3.66% | −1.06% | Top 44% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate | $100,000 | 3.61% | −1.11% | Top 47% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate | $500 | 3.56% | −1.16% | Top 49% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate | $250,000 | 3.61% | −1.26% | Top 41% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate | $100,000 | 3.56% | −1.31% | Top 44% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate | $500 | 3.51% | −1.36% | Top 46% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Step Up Certificate | $250,000 | 3.30% | −1.57% | Top 56% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Step Up Certificate | $100,000 | 3.25% | −1.62% | Top 58% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Step Up Certificate | $500 | 3.20% | −1.67% | Top 59% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Certificate | $250,000 | 3.40% | −1.51% | Verified October 22, 2026 |
| 30 months | Certificate | $100,000 | 3.35% | −1.56% | Verified October 22, 2026 |
| 30 months | Certificate | $500 | 3.30% | −1.61% | Verified October 22, 2026 |
| 36 months | Certificate | $250,000 | 3.40% | −1.55% | Top 43% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate | $100,000 | 3.35% | −1.60% | Top 45% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate | $500 | 3.30% | −1.65% | Top 46% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate | $250,000 | 3.14% | −1.84% | Top 49% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate | $100,000 | 3.09% | −1.89% | Top 50% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate | $500 | 3.04% | −1.94% | Top 52% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate | $250,000 | 3.14% | −1.87% | Top 53% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate | $100,000 | 3.09% | −1.92% | Top 54% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate | $500 | 3.04% | −1.97% | Top 55% of tracked 60-month CDs · Verified October 22, 2026 |
| 72 months | Certificate | $250,000 | 3.14% | −1.91% | Verified October 22, 2026 |
| 72 months | Certificate | $100,000 | 3.09% | −1.96% | Verified October 22, 2026 |
| 72 months | Certificate | $500 | 3.04% | −2.01% | Verified October 22, 2026 |
| 84 months | Certificate | $250,000 | 3.14% | −1.95% | Verified October 22, 2026 |
| 84 months | Certificate | $100,000 | 3.09% | −2.00% | Verified October 22, 2026 |
| 84 months | Certificate | $500 | 3.04% | −2.05% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Palmetto Citizens Federal Credit Union's best CD rates by term?
Palmetto Citizens Federal Credit Union's best rate is 3.92% APY on 12 months, verified October 22, 2026.
- 91 days0.85%
- 182 days3.56%
- 12 mo3.92%
- 18 mo3.66%
- 24 mo3.61%
- 30 mo3.40%
- 36 mo3.40%
- 48 mo3.14%
- 60 mo3.14%
- 72 mo3.14%
- 84 mo3.14%
How much interest could a Palmetto Citizens Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$382.00 interest · $10,382.00 at maturity on $10,000.00.
3.82% APY · 12 months · Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 91 days | $9.320.75% APY · Certificate · Standard | $18.650.75% APY · Certificate · Standard | $46.620.75% APY · Certificate · Standard | $93.230.75% APY · Certificate · Standard |
| 182 days | $85.283.45% APY · Certificate · Standard | $170.563.45% APY · Certificate · Standard | $426.413.45% APY · Certificate · Standard | $852.823.45% APY · Certificate · Standard |
| 12 months | $191.003.82% APY · Certificate · Standard | $382.003.82% APY · Certificate · Standard | $955.003.82% APY · Certificate · Standard | $1,910.003.82% APY · Certificate · Standard |
| 18 months | $269.613.56% APY · Certificate · Standard | $539.233.56% APY · Certificate · Standard | $1,348.073.56% APY · Certificate · Standard | $2,696.153.56% APY · Certificate · Standard |
| 24 months | $357.163.51% APY · Certificate · Standard | $714.323.51% APY · Certificate · Standard | $1,785.803.51% APY · Certificate · Standard | $3,571.603.51% APY · Certificate · Standard |
| 30 months | $423.013.30% APY · Certificate · Standard | $846.013.30% APY · Certificate · Standard | $2,115.033.30% APY · Certificate · Standard | $4,230.063.30% APY · Certificate · Standard |
| 36 months | $511.513.30% APY · Certificate · Standard | $1,023.033.30% APY · Certificate · Standard | $2,557.573.30% APY · Certificate · Standard | $5,115.153.30% APY · Certificate · Standard |
| 48 months | $636.293.04% APY · Certificate · Standard | $1,272.583.04% APY · Certificate · Standard | $3,181.453.04% APY · Certificate · Standard | $6,362.913.04% APY · Certificate · Standard |
| 60 months | $807.633.04% APY · Certificate · Standard | $1,615.273.04% APY · Certificate · Standard | $4,038.173.04% APY · Certificate · Standard | $8,076.343.04% APY · Certificate · Standard |
| 72 months | $984.193.04% APY · Certificate · Standard | $1,968.373.04% APY · Certificate · Standard | $4,920.933.04% APY · Certificate · Standard | $9,841.863.04% APY · Certificate · Standard |
| 84 months | $1,166.113.04% APY · Certificate · Standard | $2,332.213.04% APY · Certificate · Standard | $5,830.533.04% APY · Certificate · Standard | $11,661.063.04% APY · Certificate · Standard |
How Palmetto Citizens Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 127 of 369 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Palmetto Citizens Federal Credit Union (this institution)Certificate · Standard | 12 months | $250,000 | Membership required · branches in SC | 3.92% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Palmetto Citizens Federal Credit Union on October 22, 2026.
About Palmetto Citizens Federal Credit Union
- Legal name
- Palmetto Citizens Federal Credit Union
- Regulator ID
- NCUA 1472
- Headquarters
- Columbia, SC
- Available in
- SC
- Total assets
- $1.5 billion
- Also known as
- Website
- www.palmettocitizens.org
Source: rates read from https://www.palmettocitizens.org/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Palmetto Citizens Federal Credit Union?
Among the rates we track, 3.92% APY on a 12-month CD, as of October 22, 2026.
What is the minimum deposit for a Palmetto Citizens Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $250,000.
How does Palmetto Citizens Federal Credit Union's best CD rate compare with Treasury yields?
3.92% APY is −0.65% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.92% a good CD rate?
It is 2.2 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Palmetto Citizens Federal Credit Union CDs insured?
Palmetto Citizens Federal Credit Union is a federally insured credit union (NCUA 1472). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Palmetto Citizens Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Palmetto Citizens Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Palmetto Citizens Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Palmetto Citizens Federal Credit Union before opening an account. This page is not financial advice.