Credit union · NCUA insured
Santee Cooper Credit Union Savings Rates
Santee Cooper Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Santee Cooper Credit Union’s savings rates compare
Compared with banks and credit unions near Charleston, SC, where Santee Cooper Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Santee Cooper Credit Union
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Money Market Account
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
Santee Cooper Credit Union savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.01%
- QualifiedQualified0.50%
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 Santee Cooper 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
0.50%APY
Minimum opening deposit is $2,500. Limited to 6 transactions per month with a $5 fee per excessive transaction. A $10.00 monthly service charge applies if balance falls below the minimum. Dividends are paid monthly on the last day of the month if the average daily balance for the tier is maintained; no dividends are paid if balance falls below the required average daily balance. Rates are variable and subject to change daily.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Dividends paid monthly provided the tier's average daily balance requirement is met. Rate is variable. | 0.40% | — | Dividends paid monthly provided the tier's average daily balance requirement is met. Rate is variable. |
| $10,000 – $24,999Dividends paid monthly provided the tier's average daily balance requirement is met. Rate is variable. | 0.50% | $50 | Dividends paid monthly provided the tier's average daily balance requirement is met. Rate is variable. |
| $25,000 – $49,999Dividends paid monthly provided the tier's average daily balance requirement is met. Rate is variable. | 0.60% | — | Dividends paid monthly provided the tier's average daily balance requirement is met. Rate is variable. |
| $50,000 – $99,999Dividends paid monthly provided the tier's average daily balance requirement is met. Rate is variable. | 0.75% | — | Dividends paid monthly provided the tier's average daily balance requirement is met. Rate is variable. |
| $100,000 and upDividends paid monthly provided the tier's average daily balance requirement is met. Rate is variable. | 1.01% | — | Dividends paid monthly provided the tier's average daily balance requirement is met. Rate is variable. |
Sources (2)
- santeecoopercreditunion.com/accounts/deposit-rates
- santeecoopercreditunion.com/ac…ts/savings/money-markets
All captured Sep 19, 2026
Share Savings
0.15%APY
Must deposit and maintain a $5 balance to represent share of ownership in the credit union.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.15% | $15 |
Sources (2)
- santeecoopercreditunion.com/ac…ts/savings/share-savings
- santeecoopercreditunion.com/accounts/deposit-rates
All captured Sep 19, 2026
Special-purpose accounts
Christmas Club
0.15%APY
Available funds returned first week in November. Fee may apply for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
- santeecoopercreditunion.com/accounts/deposit-rates
- santeecoopercreditunion.com/ac…s/savings/christmas-club
All captured Sep 19, 2026
Young Savers
0.15%APY
For individuals under the age of 18. Credit union deposits the first $5 and adds another $5 every year during the child's birth month until age 18.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
- santeecoopercreditunion.com/ac…nts/savings/young-savers
- santeecoopercreditunion.com/accounts/deposit-rates
All captured Sep 19, 2026
IRA Savings - Traditional & Roth
0.10%APY
Available as Traditional and Roth IRA savings. Traditional IRA has tax-deductible contributions with restrictions, taxable withdrawals, and RMD rules. Roth IRA has non-deductible contributions, tax-free withdrawals, and income limits. Contribution limits for 2026 tax year apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 19, 2026
Who can join Santee Cooper Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.