Bank · FDIC insured
First National Bank of South Carolina Savings Rates
First National Bank of South Carolina’s best savings rate is 0.10% APY on $10,000, with its Money Market - Consumer. Rates checked October 22, 2026.
How First National Bank of South Carolina’s savings rates compare
Compared with banks and credit unions near Charleston, SC, where First National Bank of South Carolina has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of South Carolina
0.10%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $10
Money Market - Consumer
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
CPM Federal Credit Union
3.04%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $304
First National Bank of South Carolina savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First National Bank of South Carolina ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market - Consumer
0.10%APY
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened Fees could reduce earnings on this account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 and up | 0.15% | — |
Sources (1)
- fnbsc.com/current-rates · captured Oct 22, 2026
Regular Savings - Consumer
0.05%APY
Variable rate account; rates and APYs may change after opening. Fees could reduce earnings. $3.00 monthly maintenance fee if balance falls below $200.00 during the month. One debit per month allowed ($4.00 excess debit fee). $20.00 early withdrawal penalty if account closed within 90 days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate. $3.00 monthly fee waived if minimum balance of $200.00 is maintained during the month.Any balance | 0.05% | $5 | Variable rate. $3.00 monthly fee waived if minimum balance of $200.00 is maintained during the month. |
Special-purpose accounts
Health Savings Account
0.50%APY
Variable rate account. Must be covered under a high-deductible health plan (HDHP), not covered by any other non-HDHP health plan, not entitled to Medicare benefits, and not eligible to be claimed as a dependent on another person's tax return. One-time set-up fee applies ($25.00 to $30.00).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account. Subject to HSA eligibility rules under IRS Publication 969.Any balance | 0.50% | $50 | Variable rate account. Subject to HSA eligibility rules under IRS Publication 969. |
Sources (3)
All captured Oct 4, 2026
Christmas Club
0.25%APY
Variable rate account. Account pays out by check or account transfer each October. Interest-earning if deposits are made by automatic draft or EFT transaction. Early withdrawal penalty if account is closed prior to maturity: forfeit all interest plus $5.00 service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate. Interest-earning if deposits are made by automatic draft or EFT transaction.Any balance | 0.25% | $25 | Variable rate. Interest-earning if deposits are made by automatic draft or EFT transaction. |
Roo Crew's Savings Account
0.25%APY
Designed for children 12 or younger. Minimum balance of $25 required to maintain membership. No service charge fee. One debit per month allowed ($4.00 excess debit fee). $20.00 early withdrawal penalty if account closed within 6 months of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upVariable rate. For children 12 or younger. Minimum balance to maintain membership is $25.00.$25 and up | 0.25% | $25 | Variable rate. For children 12 or younger. Minimum balance to maintain membership is $25.00. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.