Credit union · NCUA insured
South Carolina State Credit Union Savings Rates
Top CarrotSouth Carolina State Credit Union’s best savings rate is 1.01% APY on $10,000, with its Money Management. Rates checked October 22, 2026.
How South Carolina State Credit Union’s savings rates compare
Compared with banks and credit unions near Columbia, SC, where South Carolina State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
South Carolina State Credit Union
1.01%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $101
Money Management
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
South Carolina State Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0001.76%
- QualifiedQualified1.01%
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 State 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 Management
1.01%APY
Dividends credited and compounded monthly. Higher balances yield greater dividend rates. No fees are associated with this account. Minimum opening deposit is $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Lower tier rate equals checking account rate. Dividends credited monthly. | 0.05% | — | Lower tier rate equals checking account rate. Dividends credited monthly. |
| $1,000 – $10,000Dividends credited monthly. | 0.75% | — | Dividends credited monthly. |
| $10,000 – $25,000Dividends credited monthly. | 1.01% | $101 | Dividends credited monthly. |
| $25,000 – $100,000Dividends credited monthly. | 1.41% | — | Dividends credited monthly. |
| $100,000 and upDividends credited monthly. | 1.76% | — | Dividends credited monthly. |
Sources (3)
- scscu.com/join/competitive-rates
- scscu.com/accounts/savings-accounts/money-management
- scscu.com/docs/default-source/…s/deposit-rate-sheet.pdf
All captured Oct 15, 2026
Regular Savings
0.15%APY
Active Regular Savings account required for membership. 3 free teller withdrawals per month; unlimited ATM withdrawals. $5.00 fee per withdrawal after 3 in-person or by-phone withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited and compounded monthly.Any balance | 0.15% | $15 | Dividends credited and compounded monthly. |
Sources (2)
All captured Sep 19, 2026
Secondary Savings
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited and compounded monthly.Any balance | 0.15% | $15 | Dividends credited and compounded monthly. |
Sources (1)
- scscu.com/join/competitive-rates · captured Sep 19, 2026
Special-purpose accounts
IRA Savings
0.30%APY
Regular / Roth / Education IRA options. Insured separately up to $250,000 by NCUA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly dividend payment. Regular / Roth / Education IRAs. No term.Any balance | 0.30% | $30 | Monthly dividend payment. Regular / Roth / Education IRAs. No term. |
Holiday Club
0.15%APY
Account balance automatically transferred to savings or checking account in mid-October. Deposits can be made through payroll deduction, in person, online, or by Telephone Teller.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited and compounded monthly.Any balance | 0.15% | $15 | Dividends credited and compounded monthly. |
Sources (2)
All captured Sep 19, 2026
Youth Savings
0.15%APY
Open to SCU members 17 years of age and younger. $5.00 fee per withdrawal after 3 in-person or by-phone withdrawals per month. Six third-party transfers per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompound dividends credited and paid monthly. For members 17 years of age and younger.Any balance | 0.15% | $15 | Compound dividends credited and paid monthly. For members 17 years of age and younger. |
Sources (3)
- scscu.com/join/competitive-rates
- scscu.com/accounts/savings-accounts
- scscu.com/accounts/savings-accounts/youth-savings
All captured Sep 19, 2026
Who can join South Carolina State Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens, or Spartanburg counties are eligible for membership.
Employers and groups
- Employees of Preferred Employer Groups can join.
Military, government and schools
- Students, professors, and staff members at any South Carolina technical college or state-chartered college or university are eligible for membership.
- City, county, or state employees qualify for membership.
- Individuals enrolled in the South Carolina retirement system are eligible for membership.
Family and household
- Individuals related by blood or marriage to a current SCU member are eligible to become members.
Membership information collected October 4, 2026.