5.76% 60-Month / 5.66% 48-Month CD at a South Carolina CU

SC State Credit Union has some very high long-term CD rates. With additional services, the 5-year CD is 5.76% APY and the 4-year CD is 5.66% APY. Without the additional services, the rates are 0.25% less. The services can include a SCU checking or money management account, a Visa credit card or a loan. Instead of the 0.25% rate increase, you can chose to take the option for a one-time bump-up to the current rate.

Credit for this find goes to Victor who left a comment in the finding deals post. As he points out, these CDs also have the nice feature of a low minimum deposit of $500 and the allowance of additional deposits of $250 or more at any time. The certificates are available for both regular and IRA accounts.

The credit union's field of membership includes those who live, work or attend school in the following South Carolina counties: Anderson, Florence, Greenwood, Lexington, Oconee, Orangeburg, Richland or Spartanburg County. The credit union is NCUA insured with $362 million in assets and about 88K members.