Best credit union CD rates in South Carolina
Truliant Federal Credit Union has the highest APY in this tracked sample of 9 institutions: 5.00% APY for 12 months, verified October 22, 2026.
These institutions list South Carolina in their operating coverage. Regional quotes apply only to the displayed ZIP, not the entire state. Only credit unions are included; share certificates are the credit union equivalent of bank CDs, and membership requirements differ by institution. Nationwide credit unions appear alongside local ones. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Who can open | APY | Verified / evidence |
|---|---|---|---|---|---|
| Truliant Federal Credit Union | 12 monthsLimited-Time 12 Month Term (new external funds required) · Promotional | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 Source text |
| Honda Federal Credit Union | 60 monthsSavings Certificate - Regular · Standard | $500 | Membership required · branches in AL, CA, IN, NC, OH, SC | 4.60% | October 22, 2026 Source text |
| Founders Federal Credit Union | 84 months84 Month Loyalty Certificate · Relationship | $500 | Membership required · branches in NC, SC | 4.52% | October 22, 2026 Source text |
| Navy Federal Credit Union | 12 monthsSpecial EasyStart Certificate · Promotional | $50 | Membership required · branches in 33 states | 4.35% | October 22, 2026 Source text |
| Grow Financial Federal Credit Union | 24 monthsCertificate Account · Standard | $100,000 | Membership required · branches in FL, SC | 4.18% | October 22, 2026 Source text |
| REV Federal Credit Union | 9 monthsRegular Certificate - 9 Month Special · Promotional | Not stated | Membership required · branches in NC, SC, WV | 4.00% | October 22, 2026 Source text |
| Palmetto Citizens Federal Credit Union | 12 monthsCertificate · Standard | $250,000 | Membership required · branches in SC | 3.92% | October 22, 2026 Source text |
| PenFed Credit Union | 60 monthsMoney Market Certificate · Promotional | $1,000 | Nationwide · membership required | 3.50% | October 22, 2026 Source text |
| BECU | 12 months12-17 Month CD with Member Advantage · Relationship | $500 | Membership required · branches in SC, WA | 3.25% | October 22, 2026 Source text |
Compare with public benchmarks
The highest tracked quote is 5.00% APY for 12 months. The Treasury APY-equivalent for a similar term is 4.57% (2026-10-21). The FDIC national average for a similar term is 1.76% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
Truliant Federal Credit Union has the highest APY in this tracked sample of 9 institutions: 5.00% APY for 12 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
Related pages
Calculate CD interest · Compare CD and Treasury returns after tax · Recent rate changes