First Federal of South Carolina, FSB

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

3.50%

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

www.1stfederalofsc.com

843-549-2526

300 Robertson Boulevard
Walterboro, SC 29488

First Federal of South Carolina, FSB is headquartered in WALTERBORO and is the 34^th largest bank in the state of South Carolina. It is also the 3,375^th largest bank in the nation. It was established in 1962 and as of March of 2025, it had grown to 26 employees at 2 locations. First Federal of South Carolina, FSB's CD rates are 4X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	31410
Year Established	1962
Employees	26
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.37%
Return on Equity - YTD	4.41%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$152.7MM$157.7MM
Loans	Q1 2025vs Q1 2024	$116.7MM$117.5MM
Deposits	Q1 2025vs Q1 2024	$132.1MM$131.6MM
Equity Capital	Q1 2025vs Q1 2024	$12.3MM$10.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$956K$955K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$96K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

3.50%

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
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Federal of South Carolina, FSB Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$0	$50k	Kasasa Saver
OTHER TIERS: 0.35% → $50k+
0.15%	$0	-	18 or Less Savings Club
0.15%	$0	-	Statement Savings
0.15%	$0	-	Christmas Club

First Federal of South Carolina, FSB Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$15k^*	-	Money Market Fund
OTHER TIERS: 0.10% → $0 - $2.5k \| 0.20% → $2.5k - $15k

First Federal of South Carolina, FSB Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%^*	$0	$35k	Kasasa Cash Checking
OTHER TIERS: 0.35% → $35k+
0.10%	$0	-	Preferred Customer Checking
0.10%	$0	-	First Class Seniors Account
0.10%	$0	-	Non-Profit Organization/Sole Proprietorship

First Federal of South Carolina, FSB CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%	$1k	-	12 Month CD
1.01%	$1k	-	9 Month CD
0.80%	$1k	-	48 Month CD
0.75%	$1k	-	36 Month CD
0.70%	$1k	-	30 Month CD
0.65%	$1k	-	18 Month CD
0.60%	$1k	-	15 Month Relationship CD
0.55%	$1k	-	15 Month CD
0.50%	$1k	-	6 Month CD
0.25%	$1k	-	91 Day CD

First Federal of South Carolina, FSB IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%	$100	-	12 Month IRA
0.70%	$100	-	30 Month IRA
0.65%	$100	-	18 Month IRA

Locations

First Federal of South Carolina, FSB Locations
First Federal Of South Carolina, FSB	300 Robertson Blvd	Walterboro, SC 29488
Edisto Island Branch	428 Highway 174	Edisto Island, SC 29438
St. George Branch	5561 West Memorial Blvd	Saint George, SC 29477

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