Credit union · NCUA insured
Mid Carolina Credit Union Savings Rates
Top CarrotMid Carolina Credit Union’s best savings rate is 1.86% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Mid Carolina Credit Union’s savings rates compare
Compared with banks and credit unions near Columbia, SC, where Mid Carolina Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mid Carolina Credit Union
1.86%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $186
Money Market Account
Top rate
MTC Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Caro Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $300
Mid Carolina Credit Union savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.86%
- $100,000 balance$100,0003.04%
- QualifiedQualified1.86%
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 Mid Carolina Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.86%APY
Dividends are paid monthly and calculated by the daily balance method applying a daily periodic rate to principal. Automatic transfers, checks, and drafts may be limited to 6 per month. Not considered a transaction account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $49,999 | 1.86% | $186 |
| $50,000 – $99,999 | 2.22% | — |
| $100,000 and up | 3.04% | — |
Personal Savings
0.05%APY
$5 balance in Personal Share Savings Account represents credit union share and entitles member to benefits. Dividends calculated by the daily balance method (paid monthly).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
Special-purpose accounts
IRA Savings
0.40%APY
IRA Savings with minimum opening deposit of $1,000. Dividends calculated by the daily balance method (paid monthly). Traditional and Roth IRAs available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $50,000 | 0.40% | $40 |
| $50,000 – $99,900 | 0.50% | — |
| Over $99,900 | 0.60% | — |
Christmas Club
0.00%APY
Save as much as you like, as often as you like. On November 1, money in account is automatically transferred to account of choice. Dividends calculated by the daily balance method (paid monthly).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
Who can join Mid Carolina Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any individual who lives, works, or attends school in Kershaw or Richland counties in South Carolina.
Employers and groups
- Membership is available to multiple employment groups included in the expanded charter.
Family and household
- Individuals outside the area who have immediate family in Kershaw or Richland counties may be eligible to join.
Other ways
- Membership may be available to businesses, non-profits, churches, and legal entities operating in Kershaw or Richland counties.
Cost to join
- Joining requires opening a savings account with a minimum deposit of $5.00 and presenting a current photo ID.
Membership information collected October 4, 2026.