CD Rates in South Carolina

Last updated: January 2026

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South Carolina CD Rates

Reviewed by

Brian McKay

CD Rates in South Carolina :

Search and compare South Carolina CD rates from banks and credit unions. Our CD interest rate tables for South Carolina include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in South Carolina or by zip code. Once you have entered your search criteria a list of the highest South Carolina CD rates will be displayed. MonitorBankRates also offers a free CD calculator and CD ladder calculator you can use to calculate your certificate of deposit investment return. .

South Carolina

When comparing bank CD rates in South Carolina make sure to choose a South Carolina bank that has deposits insured by the Federal Deposit Insurance Corporation (FDIC). Deposits in South Carolina banks that are insured by the FDIC are guaranteed for up to $250,000 per depositor.This federal protection covers both your principal investment and any interest you have earned up to the limit, ensuring your savings remain safe even in the unlikely event of a bank failure

Best CD Rates in South Carolina January 2026

12 Months

Self-Help Credit Union
1724 Bush River Rd
Columbia, SC 29210

12-Month CD

3.82%

$500

Beacon Community Bank
578 E Bay St Ste D
Charleston, SC 29403

12-Month CD

3.80%

$250

Navy Federal Credit Union
North Rivers Center
North Charleston, SC 29406

12-Month CD

3.75%

$1,000

Woodruff Federal S&L
247 N Main St
Woodruff, SC 29388

12-Month CD

3.75%

$1,000

Bayer Heritage Federal Credit Union
1522 Bushy Park Rd
Goose Creek, SC 29445

12-Month CD (Jumbo)

3.60%

$100,000

Bayer Heritage Federal Credit Union
1522 Bushy Park Rd
Goose Creek, SC 29445

12-Month CD

3.55%

$100

Conway National Bank (CNB)
1400 3rd Ave
Conway, SC 29526

12-Month CD

3.40%

$500

TD Bank
307 N Main St
Marion, SC 29571

12-Month CD

3.24%

$250

Truliant Federal Credit Union
3621 Pelham Rd
Greenville, SC 29615

12-Month CD

2.99%

$250

Security Federal Bank
238 Richland Ave W
Aiken, SC 29801

12-Month CD

2.65%

$500

BECU Boeing Employees Credit Union
5400 International BLVD
Charleston, SC 29418

12-Month CD (Member Advantage)

2.40%

$500

Wells Fargo
1797 Whiskey Rd
Aiken, SC 29803

12-Month CD

2.00%

The Bank of South Carolina
256 Meeting St
Charleston, SC 29401

12-Month CD (Jumbo)

2.00%

$250,000

The Bank of South Carolina
256 Meeting St
Charleston, SC 29401

12-Month CD

2.00%

$1,000

First Piedmont Federal S&L of Gaffney
1229 W Floyd Baker Blvd
Gaffney, SC 29341

12-Month CD

0.30%

$1,000

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

South Carolina Jumbo CD Rates

Jumbo CD rates in South Carolina are usually higher than standard South Carolina CD rates because they require a larger opening deposit.While regular CDs can often be opened with minimal funds, South Carolina jumbo certificates of deposit typically require a minimum opening balance of $100,000. Banks and credit unions in South Carolina and the surrounding area reward this larger commitment with premium cd rates that can significantly outperform standard savings or money market accounts. When opening these larger accounts, it is important to verify that your funds remain within FDIC or NCUA limits to ensure your principal is fully insured

South Carolina Credit Union CD Rates

When comparing South Carolina CD rates from credit unions make sure to choose a South Carolina credit union that has deposits insured by the National Credit Union Administration (NCUA).

South Carolina Rates & Resources

South Carolina Savings Rates

South Carolina Mortgage Rates

Cities in South Carolina

Cities in South Carolina Abbeville Adams Run Aiken Alcolu Allendale Anderson Andrews Arcadia Awendaw Aynor Ballentine Bamberg Barnwell Batesburg Batesburg-Leesville Bath Beaufort Beech Island Belton Bennettsville Bethera Bethune Bishopville Blacksburg Blackstock Blackville Blair Blenheim Bluffton Blythewood Bonneau Bowling Green Bowman Bradley Branchville Brunson Buffalo Cades Calhoun Falls Camden Cameron Campobello Canadys Carlisle Cassatt Catawba Cayce Centenary Central Chapin Chappells Charleston Charleston AFB Cheraw Chesnee Chester Chesterfield Clarks Hill Clearwater Clemson Cleveland Clifton Clinton Clio Clover Columbia Conestee Converse Conway Coosawatchie Cope Cordesville Cordova Cottageville Coward Cowpens Crocketville Cross Cross Anchor Cross Hill Dale Dalzell Darlington Daufuskie Island Davis Station Denmark Dillon Donalds Dorchester Drayton Due West Duncan Early Branch Easley Eastover Edgefield Edgemoor Edisto Island Effingham Ehrhardt Elgin Elko Elliott Elloree Enoree Estill Eutawville Fair Play Fairfax Fairforest Fingerville Florence Floyd Dale Folly Beach Fork Fort Lawn Fort Mill Fountain Inn Furman Gable Gadsden Gaffney Galivants Ferry Garden City Garnett Gaston Georgetown Gifford Gilbert Glendale Gloverville Goose Creek Gramling Graniteville Gray Court Great Falls Greeleyville Green Pond Green Sea Greenville Greenwood Greer Gresham Grover Hamer Hampton Hardeeville Harleyville Hartsville Heath Springs Hemingway Hickory Grove Hilda Hilton Head Island Hodges Holly Hill Hollywood Honea Path Hopkins Horatio Huger Inman Irmo Islandton Isle Of Palms Iva Jackson Jacksonboro Jamestown Jefferson Jenkinsville Joanna Johns Island Johnsonville Johnston Jonesville Kershaw Kinards Kingstree La France Ladson Lake City Lake View Lamar Lancaster Lando Landrum Lane Langley Latta Laurens Leesville Lexington Liberty Liberty Hill Little Mountain Little River Little Rock Lobeco Lockhart Lodge Long Creek Longs Loris Lowndesville Lugoff Luray Lydia Lyman Lynchburg Manning Marietta Marion Martin Mauldin Mayesville Mayo McBee McClellanville McColl McConnells McCormick Miley Minturn Modoc Moncks Corner Monetta Monticello Montmorenci Moore Mount Carmel Mount Croghan Mount Pleasant Mountain Rest Mountville Mullins Murrells Inlet Myrtle Beach Neeses Nesmith New Ellenton New Zion Newberry Newry Nichols Ninety Six Norris North North Augusta North Charleston North Myrtle Beach Norway Olanta Olar Orangeburg Pacolet Pacolet Mills Pageland Pamplico Parksville Patrick Pauline Pawleys Island Peak Pelion Pelzer Pendleton Perry Pickens Piedmont Pineland Pineville Pinewood Pinopolis Plum Branch Pomaria Port Royal Prosperity Rains Ravenel Reevesville Reidville Rembert Richburg Richland Ridge Spring Ridgeland Ridgeville Ridgeway Rion Rock Hill Roebuck Round O Rowesville Ruby Ruffin Russellville Saint George Saint Helena Island Saint Matthews Saint Stephen Salem Salley Salters Saluda Sandy Springs Santee Sardinia Scotia Scranton Seabrook Sellers Seneca Sharon Shaw A F B Sheldon Silverstreet Simpsonville Six Mile Slater Smoaks Smyrna Socastee Society Hill Spartanburg Springfield Starr Startex State Park Sullivans Island Summerton Summerville Sumter Sunset Swansea Sycamore Tamassee Tatum Taylors Tigerville Tillman Timmonsville Townville Travelers Rest Trenton Troy Turbeville Ulmer Una Union Van Wyck Vance Varnville Vaucluse Wadmalaw Island Wagener Walhalla Wallace Walterboro Ward Ware Shoals Warrenville Waterloo Wedgefield Wellford West Columbia West Union Westminster Westville White Oak White Rock White Stone Whitmire Williams Williamston Williston Windsor Winnsboro Woodruff Yemassee York

How to Find the Best CD in South Carolina

Compare APYThe APY determines how much interest you will earn. Always look for the highest APY to maximize your earnings over the CD term.
Check MinimumsSome high-yield CDs require a larger initial deposit (e.g. $1,000 or $5,000). Ensure you can meet these minimums.
Review PenaltiesCDs lock your money for a set term. If you withdraw early, you may face penalties (often 3-6 months of interest).
Verify InsuranceEnsure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured up to $250,000.

Frequently Asked Questions for South Carolina

What are the current CD rates in South Carolina? ▼

Below is a list of the top current CD rates available for South Carolina:

The Bank of South Carolina2.50% APY (24-Month CD)

The Bank of South Carolina2.25% APY (18-Month CD)

The Bank of South Carolina2.00% APY (12-Month CD (Jumbo))

The Bank of South Carolina2.00% APY (12-Month CD)

AB Federal Credit Union0.45% APY (24-Month CD)

Sacramento Deposit Bank3.14% APY (12-Month CD)

WSB Municipal Bank1.28% APY (18-Month CD)

Capitol Federal Savings Bank3.00% APY (6-Month CD)

Cape Cod Co-operative Bank2.55% APY (24-Month CD)

CNB St Louis Bank2.50% APY (12-Month CD)

Are CD rates fixed? ▼

Yes, typically CD rates are fixed for the entire term (e.g. 1 year, 5 years). This protects you if market rates drop, but means you won't benefit if rates rise.

Is my money safe in a CD? ▼

Yes, as long as the bank is FDIC insured or the credit union is NCUA insured, your deposit is protected up to $250,000.

Can I add money to a CD? ▼

Usually, no. Standard CDs require a one-time deposit at opening. To add more funds later, you would typically need to open a new CD.