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South Carolina Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/23/2025
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
APY APY = Annual Percentage Yield Rates as of 6/23/2025
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
APY APY = Annual Percentage Yield Rates as of 6/23/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/23/2025
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
APY APY = Annual Percentage Yield Rates as of 6/23/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/23/2025
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
APY APY = Annual Percentage Yield Rates as of 6/23/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
Bonus Amount
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.scfederal.org
843-797-8300
2175 Credit Union Ln
North Charleston, SC 29406

South Carolina Federal Credit Union is headquartered in North Charleston and is the 2nd largest credit union in the state of South Carolina. It is also the 193rd largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 542 employees and 153,046 members at 33 locations. South Carolina Federal Credit Union's money market rates are 9X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in South Carolina Federal Credit Union is open to those who live, work, worship or attend school in Charleston, Georgetown, Columbia, or Florence and through family members.
See current membership details

Reviews

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #1022
Year Chartered1936
Employees542
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD4.61%
Annual Interest Income$30.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.53B$2.58B
LoansQ1 2025vs Q1 2024$1.93B$1.98B
DepositsQ1 2025vs Q1 2024$2B$2B
Equity CapitalQ1 2025vs Q1 2024$317.1MM$297.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$18MM$16.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$10.3MM$5.5MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/23/2025
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
APY APY = Annual Percentage Yield Rates as of 6/23/2025
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
APY APY = Annual Percentage Yield Rates as of 6/23/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/23/2025
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
APY APY = Annual Percentage Yield Rates as of 6/23/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/23/2025
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
APY APY = Annual Percentage Yield Rates as of 6/23/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

South Carolina Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%*$0$1kMY Savings
OTHER TIERS: 0.10% → $1k+
0.10%$150-Share Savings
0.10%$5-Christmas Club Account
0.10%$5-Kids Savings
0.10%$5-Teen Savings

South Carolina Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%*$3m*-Money Market Account
OTHER TIERS: 0.05% → $1k - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.65% → $50k - $100k | 1.00% → $100k - $250k | 1.25% → $250k - $500k | 1.50% → $500k - $1m | 3.25% → $1m - $3m

South Carolina Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%*$3m*-Premier Business Checking
OTHER TIERS: 0.05% → $250 - $25k | 0.15% → $25k - $50k | 0.65% → $50k - $100k | 1.00% → $100k - $250k | 1.25% → $250k - $500k | 1.50% → $500k - $1m | 3.25% → $1m - $3m
0.10%*$10k*-Premium Checking Account
OTHER TIERS: 0.05% → $2.5k - $10k

South Carolina Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.11%$50k-60 Month Jumbo Share Certificate
4.10%$500-60 Month Premium Checking Share Certificate
4.00%$500-60 Month Share Certificate
2.86%$50k-36 Month Jumbo Share Certificate
2.75%$500-36 Month Share Certificate
2.75%$50k-36 Month Step-Up Jumbo Certificate
2.65%$500-36 Month Step-Up Share Certificate
2.60%$50k-24 Month Jumbo Share Certificate
2.50%$500-24 Month Share Certificate
2.41%$50k-18 Month Jumbo Share Certificate
2.36%$50k-12 Month Jumbo Share Certificate
2.30%$500-18 Month Share Certificate
2.25%$500-12 Month Share Certificate
1.95%$50k-6 Month Jumbo Share Certificate
1.85%$500-6 Month Share Certificate
1.60%$50k-3 Month Jumbo Share Certificate
1.50%$500-3 Month Share Certificate

South Carolina Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.11%$50k-60 Month Jumbo IRA Certificate
4.00%$500-60 Month IRA Share Certificate
2.86%$50k-36 Month Jumbo IRA Certificate
2.75%$500-36 Month IRA Share Certificate
2.75%$50k-36 Month Step-Up Jumbo IRA Certificate
2.65%$500-36 Month Step-Up IRA Share Certificate
2.60%$50k-24 Month Jumbo IRA Certificate
2.50%$500-24 Month IRA Share Certificate
2.41%$50k-18 Month Jumbo IRA Certificate
2.36%$50k-12 Month Jumbo IRA Certificate
2.30%$500-18 Month IRA Share Certificate
2.25%$500-12 Month IRA Share Certificate
1.95%$50k-6 Month Jumbo IRA Certificate
1.85%$500-6 Month IRA Share Certificate
1.60%$50k-3 Month Jumbo IRA Certificate
1.50%$500-3 Month IRA Share Certificate
0.20%$100-IRA Account
Locations

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