# Palmetto Citizens Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/palmetto-citizens-federal-credit-union
Institution: Palmetto Citizens Federal Credit Union (NCUA 1472)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:46.000Z (October 22, 2026)
Official source: https://www.palmettocitizens.org/rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 91 days | $250,000 | 0.85% | Not ZIP-priced | −3.44% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 91 days | $100,000 | 0.80% | Not ZIP-priced | −3.50% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 91 days | $500 | 0.75% | Not ZIP-priced | −3.54% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 182 days | $250,000 | 3.56% | Not ZIP-priced | −0.84% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 182 days | $100,000 | 3.51% | Not ZIP-priced | −0.89% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 182 days | $500 | 3.45% | Not ZIP-priced | −0.95% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 12 months | $250,000 | 3.92% | Not ZIP-priced | −0.65% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 12 months | $100,000 | 3.87% | Not ZIP-priced | −0.70% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 12 months | $500 | 3.82% | Not ZIP-priced | −0.75% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Youth Add-To Certificate | special | 12 months | $250,000 | 3.51% | Not ZIP-priced | −1.06% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Youth Add-To Certificate | special | 12 months | $250,000 | 3.51% | Not ZIP-priced | −1.06% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Youth Add-To Certificate | special | 12 months | $100,000 | 3.45% | Not ZIP-priced | −1.12% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Youth Add-To Certificate | special | 12 months | $100,000 | 3.45% | Not ZIP-priced | −1.12% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Youth Add-To Certificate | special | 12 months | $500 | 3.40% | Not ZIP-priced | −1.17% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Youth Add-To Certificate | special | 12 months | $500 | 3.40% | Not ZIP-priced | −1.17% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 18 months | $250,000 | 3.66% | Not ZIP-priced | −1.06% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 18 months | $100,000 | 3.61% | Not ZIP-priced | −1.11% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 18 months | $500 | 3.56% | Not ZIP-priced | −1.16% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 24 months | $250,000 | 3.61% | Not ZIP-priced | −1.26% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 24 months | $100,000 | 3.56% | Not ZIP-priced | −1.31% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 24 months | $500 | 3.51% | Not ZIP-priced | −1.36% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Step Up Certificate | standard | 24 months | $250,000 | 3.30% | Not ZIP-priced | −1.57% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Step Up Certificate | standard | 24 months | $100,000 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Step Up Certificate | standard | 24 months | $500 | 3.20% | Not ZIP-priced | −1.67% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 30 months | $250,000 | 3.40% | Not ZIP-priced | −1.51% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 30 months | $100,000 | 3.35% | Not ZIP-priced | −1.56% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 30 months | $500 | 3.30% | Not ZIP-priced | −1.61% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 36 months | $250,000 | 3.40% | Not ZIP-priced | −1.55% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 36 months | $100,000 | 3.35% | Not ZIP-priced | −1.60% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 36 months | $500 | 3.30% | Not ZIP-priced | −1.65% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 48 months | $250,000 | 3.14% | Not ZIP-priced | −1.84% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 48 months | $100,000 | 3.09% | Not ZIP-priced | −1.89% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 48 months | $500 | 3.04% | Not ZIP-priced | −1.94% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 60 months | $250,000 | 3.14% | Not ZIP-priced | −1.87% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 60 months | $100,000 | 3.09% | Not ZIP-priced | −1.92% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 60 months | $500 | 3.04% | Not ZIP-priced | −1.97% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 72 months | $250,000 | 3.14% | Not ZIP-priced | −1.91% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 72 months | $100,000 | 3.09% | Not ZIP-priced | −1.96% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 72 months | $500 | 3.04% | Not ZIP-priced | −2.01% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 84 months | $250,000 | 3.14% | Not ZIP-priced | −1.95% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 84 months | $100,000 | 3.09% | Not ZIP-priced | −2.00% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |
| Certificate | standard | 84 months | $500 | 3.04% | Not ZIP-priced | −2.05% | 2026-10-23T02:10:46.000Z | [Snapshot 871](https://apyledger.com/snapshots/871) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.