Credit union · NCUA insured
South Carolina Federal Credit Union Savings Rates
South Carolina Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How South Carolina Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Charleston, SC, where South Carolina Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
South Carolina Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $10
Money Market
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
South Carolina Federal Credit Union savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0001.00%
- 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 South Carolina Federal 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
0.10%APY
To open any account, deposit or already have on deposit at least the par value of one full share ($5.00) in any savings account. $10.00 monthly low balance fee if daily balance requirement ($1,000) is not met. Account withdrawal fee of $10.00 per withdrawal if more than 6 per month. Once a particular balance range is met, the Dividend Rate and APY for that balance range will apply to the full balance of the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $150Monthly fee of $10.00 applies if daily balance of $1,000 is not met. | 0.00% | — | Monthly fee of $10.00 applies if daily balance of $1,000 is not met. |
| $150 – $1,000Monthly fee of $10.00 applies if daily balance of $1,000 is not met. | 0.00% | — | Monthly fee of $10.00 applies if daily balance of $1,000 is not met. |
| $1,000 – $5,000Monthly fee of $10.00 waived if daily balance of $1,000 is met. | 0.05% | — | Monthly fee of $10.00 waived if daily balance of $1,000 is met. |
| $10,000 – $25,000Monthly fee of $10.00 waived if daily balance of $1,000 is met. | 0.10% | $10 | Monthly fee of $10.00 waived if daily balance of $1,000 is met. |
| $25,000 – $50,000Monthly fee of $10.00 waived if daily balance of $1,000 is met. | 0.15% | — | Monthly fee of $10.00 waived if daily balance of $1,000 is met. |
| $50,000 – $100,000Monthly fee of $10.00 waived if daily balance of $1,000 is met. | 0.65% | — | Monthly fee of $10.00 waived if daily balance of $1,000 is met. |
| $100,000 – $250,000Monthly fee of $10.00 waived if daily balance of $1,000 is met. | 1.00% | — | Monthly fee of $10.00 waived if daily balance of $1,000 is met. |
| $250,000 – $500,000Monthly fee of $10.00 waived if daily balance of $1,000 is met. | 1.25% | — | Monthly fee of $10.00 waived if daily balance of $1,000 is met. |
| $500,000 – $1,000,000Monthly fee of $10.00 waived if daily balance of $1,000 is met. | 1.50% | — | Monthly fee of $10.00 waived if daily balance of $1,000 is met. |
| $1,000,000 – $3,000,000Monthly fee of $10.00 waived if daily balance of $1,000 is met. | 3.00% | — | Monthly fee of $10.00 waived if daily balance of $1,000 is met. |
| $3,000,000 and upMonthly fee of $10.00 waived if daily balance of $1,000 is met. | 3.25% | — | Monthly fee of $10.00 waived if daily balance of $1,000 is met. |
Special-purpose accounts
MY Savings
0.10%APY
Designed for young adults ages 18 to 25. At age 26, converts to Share Savings. Limited to one per member. Tiered rate account where tier rate applies to full balance once balance range is met. $6 monthly low balance fee if average daily balance is less than $100 (fee waived for members age 18 and under and for accounts opened 90 days or less). $5 account withdrawal fee if more than 3 withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Rate applies to full balance once balance range is met. | 1.11% | — | Rate applies to full balance once balance range is met. |
| Over $1,000Rate applies to full balance once balance range is met. | 0.10% | $10 | Rate applies to full balance once balance range is met. |
Sources (3)
- scfederal.org/rates-fees/savings-certificates-rates
- scfederal.org/savings/youth-savings
- scfederal.org/getmedia/b3d0697…ate-and-Fee-Schedule.pdf
All captured Oct 15, 2026
IRA Savings
0.20%APY
Traditional and Roth IRAs available. Tax-advantaged retirement savings. Not opened online (requires personal attention/visit to financial center).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.20% | $20 |
Christmas Club
0.10%APY
Entire balance is automatically transferred to primary share account on November 1, and the account remains open. No minimum balance fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (3)
- scfederal.org/savings/christmas-club
- scfederal.org/getmedia/b3d0697…ate-and-Fee-Schedule.pdf
- scfederal.org/rates-fees/savings-certificates-rates
All captured Oct 15, 2026
Kids Savings
0.10%APY
For members age 12 and younger. Requires a qualified adult joint owner. At age 13, converts to Teen Savings. Limited to one per member. $5 account withdrawal fee if more than 3 withdrawals per month. Low balance fee waived for members age 18 and under. Not opened online.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (3)
- scfederal.org/rates-fees/savings-certificates-rates
- scfederal.org/savings/youth-savings
- scfederal.org/getmedia/b3d0697…ate-and-Fee-Schedule.pdf
All captured Oct 15, 2026
Share Savings
0.10%APY
Par value of membership is $5. $6 monthly account service fee waived for eStatement users, members age 18 and under, and accounts opened 90 days or less. $6 monthly low balance fee if average daily balance is less than $100 (waived for members age 18 and under and accounts opened 90 days or less). $5 account withdrawal fee if more than 3 withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $150 and up | 0.10% | $10 |
Teen Savings
0.10%APY
For members ages 13 through 17. Requires a qualified adult joint owner. At age 18, converts to MY Savings. Limited to one per member. $5 account withdrawal fee if more than 3 withdrawals per month. Low balance fee waived for members age 18 and under. Not opened online.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (3)
- scfederal.org/rates-fees/savings-certificates-rates
- scfederal.org/savings/youth-savings
- scfederal.org/getmedia/b3d0697…ate-and-Fee-Schedule.pdf
All captured Oct 15, 2026
Who can join South Carolina Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.