1st Cooperative Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

1stcooperative.com

803-796-0234

808 Knox Abbott Dr
Cayce, SC 29033

1st Cooperative Federal Credit Union is headquartered in Cayce and is the 39^th largest credit union in the state of South Carolina. It is also the 3,129^th largest credit union in the nation. It was established in 1970 and as of March of 2025, it had grown to 2 employees and 2,532 members at 1 location. 1st Cooperative Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

1st Cooperative Federal Credit Union is open to employees of South Carolina Electric Cooperative and its directors/trustees and immediate family.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 1st Cooperative Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	24627
Year Chartered	1970
Employees	2
Primary Regulator

Profit Margin
Return on Assets - YTD	1.96%
Return on Equity - YTD	15.3%
Annual Interest Income	$369K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$22.5MM$25.1MM
Loans	Q1 2025vs Q1 2024	$17MM$19.7MM
Deposits	Q1 2025vs Q1 2024	$19.7MM$22.4MM
Equity Capital	Q1 2025vs Q1 2024	$2.8MM$2.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$312K$173K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$45K$286K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Checking
CD

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1st Cooperative Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	$5	-	Holiday Helper Account
0.35%	$5	-	Vacation Account
0.10%	$25	-	Regular Share Account
0.10%	$25	-	Kid's Club Account
0.10%	$25	-	Teen Savers
0.10%	$25	-	Health Savings Account

1st Cooperative Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$350	-	1st Choice Checking

1st Cooperative Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$500	-	3 Month CD
3.90%	$500	-	6 Month CD
3.70%	$1k	-	12 Month CD
3.05%	$1k	-	24 Month CD

Locations

1st Cooperative Federal Credit Union Locations
Branch Office	808 Knox Abbott Dr	Cayce, SC 29033-3318

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