South Carolina

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Credit Union CD Rates – 5-Year – South Carolina

You are viewing rates from credit unions across South Carolina





Below are 5 year CD Rates from credit unions that are located in South Carolina. Five Year Certificates of Deposit (CD) are generally the longest term CD that most credit unions will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

SC - July 31, 2025

5 Year CD National Average : 0.92% ?

Credit Unions APY MIN MILES ?

| Nov 30, 2020

I will never do business with grow again. Very dissatisfied as a client. Read More

Rate History: 3.36% → 3.87% → 4.03%

Rate History: 4.37% → 4.11% → 3.96%

Rate History: 0.50% → 3.85% → 3.55% → 4.05% → 3.55%

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Rate History: 4.50% → 60.00% → 3.50%

| Sep 20, 2023

Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More

Rate History: 3.20% → 3.40%

Rate History: 3.20% → 3.18% → 3.34% → 3.45% → 3.40%

Rate History: 4.29% → 4.08% → 3.87% → 3.67% → 3.35%

| Dec 30, 2018

Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in. Read More

| Dec 12, 2019

We have saving with Founders for 2 years and are very pleased with excellent service, great employees and high savings rates. Read More

Rate History: 3.44% → 3.14%

Rate History: 2.80% → 2.30% → 2.80% → 2.25%

Rate History: 4.50% → 4.34% → 4.08% → 3.30% → 1.97%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

1.37%

$100,000

-

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1.32%

$10,000

-

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1.26%

$10,000

-

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1.26%

$100,000

-

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1.25%

$10,000

-

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Cpm

Cpm Branch
Restrictions

1.25%

$10,000

-

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1.20%

$10,000

-

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1.20%

$10,000

-

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1.16%

$10,000

-

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1.16%

$10,000

-

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| Mar 12, 2023

Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More

1.11%

$10,000

-

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| Mar 12, 2023

Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More

| Jun 2, 2023

Best financial institution I’ve ever dealt with. Read More

1.10%

$100,000

-

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1.06%

$10,000

-

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1.06%

$10,000

-

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| Jul 17, 2018

the bank is very close to me but has terrible interest rate never bank with them. Read More

1.00%

$500

-

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| Jan 13, 2019

Customer service sucks if you have to call in. My card has been locked for almost a month and I’ve yet to speak with a human for what I’m sure is a easily fixed problem. I specifically can’t get thro... Read More

1.00%

$10,000

-

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| Mar 3, 2021

I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More

0.90%

$10,000

-

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0.75%

$50,001

-

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| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.65%

$1,000

-

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| Jul 9, 2021

NO! This is why I stopped banking with them. To me, that is outdated to only have an ATM that gives out cash and performs no other function. Read More

| Jul 9, 2021

NO! This is why I stopped banking with them. To me, that is outdated to only have an ATM that gives out cash and performs no other function. Read More

0.55%

$10,000

-

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Edu


Restrictions

0.40%

$500

-

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0.25%

$10,000

-

Learn More
All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007


Branch Street City State
GROW FINANCIAL
Sandhill Sandhill Branch
163 Forum Dr Ste 1 Columbia SC
GROW FINANCIAL
Sandhill Sandhill Branch
163 Forum Dr Ste 1 Columbia SC
MTC
Mtc Mtc Branch
517C Michelin Rd Greenville SC
BAYER HERITAGE
Bayer Heritage Bayer Heritage Branch
1522 Bushy Park Rd. Goose Creek SC
BAYER HERITAGE
Bayer Heritage Bayer Heritage Branch
1522 Bushy Park Rd. Goose Creek SC
MTC
Mtc Mtc Branch
517C Michelin Rd Greenville SC
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Naval Hospital Beaufort, Bldg 21, 21 Willis Road Beaufort SC
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Naval Hospital Beaufort, Bldg 21, 21 Willis Road Beaufort SC
TRULIANT
Truliant Truliant Branch
925 OLD AIRPORT ROAD GREENVILLE SC
TRULIANT
Truliant Truliant Branch
925 OLD AIRPORT ROAD GREENVILLE SC
TRULIANT
Truliant Truliant Branch
925 OLD AIRPORT ROAD GREENVILLE SC
TRULIANT
Truliant Truliant Branch
925 OLD AIRPORT ROAD GREENVILLE SC
FOUNDERS
Founders Founders Branch
607 North Main Street Lancaster SC
PALMETTO CITIZENS
Palmetto Citizens Palmetto Citizens Branch
1320 Washington St. Columbia SC
PALMETTO CITIZENS
Palmetto Citizens Palmetto Citizens Branch
1320 Washington St. Columbia SC
PALMETTO CITIZENS
Palmetto Citizens Palmetto Citizens Branch
1320 Washington St. Columbia SC
REV
Heritage Trust Heritage Trust Branch
200 Marymeade Dr Summerville SC
BOEING EMPLOYEES
South Carolina Boeing Plan - Welcome Center South Carolina Boeing Plan - Welcome Center Branch
5400 International BLVD Charleston SC
BOEING EMPLOYEES
South Carolina Boeing Plan - Welcome Center South Carolina Boeing Plan - Welcome Center Branch
5400 International BLVD Charleston SC
HOUSTON
Houston Houston Branch
100 Fluor Daniel Drive C102U Greenville SC
UPSTATE
Upstate Upstate Branch
207 E Highland Ave Anderson SC
GREENVILLE
Greenville Greenville Branch
1501 Wade Hampton Blvd Greenville SC
HONDA
Honda Honda Branch
1111 Honda Way Timmonsville SC
HOUSTON
Houston Houston Branch
100 Fluor Daniel Drive C102U Greenville SC
CPM
Cpm Cpm Branch
1066 E Montague Ave Charleston SC
CARO
Carolina Collegiate Carolina Collegiate Branch
4480 Rosewood Drive Columbia SC
FAMILY TRUST
Family Trust Family Trust Branch
1605 PROGRESS WAY ROCK HILL SC
S. C. STATE
S. C. State S. C. State Branch
800 Huger Street Columbia SC
HONDA
Honda Honda Branch
1111 Honda Way Timmonsville SC
MARINE
Beaufort Beaufort Branch
819 Parris Island Gtwy Beaufort SC
GEORGETOWN KRAFT
Georgetown Kraft Georgetown Kraft Branch
1530 Bourne Street Georgetown SC
MARINE
Beaufort Beaufort Branch
819 Parris Island Gtwy Beaufort SC
SOUTH CAROLINA
South Carolina South Carolina Branch
2175 Credit Union Ln North Charlesto SC
SAFE
Safe Safe Branch
160 W. Wesmark Blvd Sumter SC
ARROWPOINTE
Arrowpointe Arrowpointe Branch
5298 Cureton Ferry Rd Catawba SC
PREMIER
Premier Premier Branch
3863 Carlisle Chester Hwy Carlisle SC
CAROLINA TRUST
Carolina Trust Carolina Trust Branch
1010 21ST AVENUE NORTH MYRTLE BEACH SC
SRP
Savannah River Site Branch Savannah River Site Branch
Savannah River Site Aiken SC
SAFE
Safe Safe Branch
160 W. Wesmark Blvd Sumter SC
SHARONVIEW
Sharonview Sharonview Branch
1081 CORPORATE CENTER DRIVE Fort Mill SC
SOUTH CAROLINA
South Carolina South Carolina Branch
2175 Credit Union Ln North Charlesto SC
PARDA
Parda Parda Branch
1835 Bypass 72 NE Greenwood SC
SAFE
Safe Safe Branch
160 W. Wesmark Blvd Sumter SC
MARKET USA
Market Usa Market Usa Branch
201 BI-LO Boulevard Greenville SC
GREENVILLE HERITAGE
Greenville Heritage Greenville Heritage Branch
75 Reedy View Drive Greenville SC
GREENVILLE HERITAGE
Greenville Heritage Greenville Heritage Branch
75 Reedy View Drive Greenville SC
ALLSOUTH
Allsouth Allsouth Branch
6923 N Trenholm Rd Columbia SC
ALLSOUTH
Allsouth Allsouth Branch
6923 N Trenholm Rd Columbia SC
SECURED ADVANTAGE
Secured Advantage Secured Advantage Branch
803 N. Maple Street Simpsonville SC
DIXIES
Dixies Dixies Branch
501 Russell St Darlington SC


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator  in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

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