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1st Federal Savings Bank of SC Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

1st Federal Savings Bank of SC's 12-Months 12-Month CD rates are at 3.15%, 12-Months IRA CERTIFICATES 12-Month rates are at 3.15%, 9-Months 9-Month rates are at 1.01%, 48-Months 48-Month rates are at 0.80%, 36-Months 36-Month rates are at 0.75%. 1st Federal Savings Bank of SC's savings rates are at 0.15%. 1st Federal Savings Bank of SC's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of 1st Federal Savings Bank of SC with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.02%. Rates last updated and verified on 08/28/2026.

1st Federal Savings Bank of SC money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Federal Savings Bank of SC? Share your experience about 1st Federal Savings Bank of SC by leaving a review below, or read customer reviews before you decide to use 1st Federal Savings Bank of SC.

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.02%
Excellent Lower than avg
1st Federal Savings Bank of SC, Inc.
300 Robertson Blvd
Walterboro, SC 29488
https://www.1stfederalofsc.com
Member FDIC

1st Federal Savings Bank of SC CD Rates

Product Rate APY Term View More
12-Month CD 3.10% 3.15% 12 Months
Min Deposit $1,000
Details Annual Percentage Yield (APY) assumes funds remain on deposit or specified time determined at deposit. Interest compounds daily. Fees may reduce earnings on the account. Early withdrawal of CD funds will be subject to penalty and may affect yield. Promotional rates may be withdrawn without notice. Rates accurate as 11/13/24.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA CERTIFICATES 12 month 3.10% 3.15% 12 Months
Min Deposit $100
Details DAILY
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
9 month 1.00% 1.01% 9 months
Min Deposit $1,000
Details DAILY
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
48 month 0.80% 0.80% 48 Months
Min Deposit $1,000
Details DAILY
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
36 month 0.75% 0.75% 36 Months
Min Deposit $1,000
Details DAILY
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
30 month 0.70% 0.70% 30 Months
Min Deposit $1,000
Details DAILY
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
18 month 0.65% 0.65% 18 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
15 month W/ CK 0.60% 0.60% 15 Months
Min Deposit $1,000
Details DAILY
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
15 month 0.55% 0.55% 15 Months
Min Deposit $1,000
Details DAILY
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
6 month 0.50% 0.50% 6 months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%

1st Federal Savings Bank of SC Savings Rates

Product Rate APY View More
18 OR LESS SAVINGS 0.15% 0.15%
Min Deposit $25
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
CHRISTMAS CLUB 0.15% 0.15%
Min Deposit $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%

1st Federal Savings Bank of SC Money Market Rates

Product Rate APY View More
MONEY MARKET FUND 0.30% 0.30%
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
MONEY MARKET FUND 0.20% 0.20%
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
MONEY MARKET FUND 0.10% 0.10%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for 1st Federal Savings Bank of SC is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather 1st Federal Savings Bank of SC rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 1st Federal Savings Bank of SC's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name 1st Federal Savings Bank of SC
Bank Holding Company FIRST CAROLINA BANCSHARES M H C
Address 300 Robertson Blvd, Walterboro, SC 29488  ·  Colleton
Website https://www.1stfederalofsc.com
FDIC Certificate # 31410
Established 01/01/1962
FDIC Insurance Date 08/09/1989
Domestic Offices 2
Total Branches 2
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
1.02%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.4487%
Return on Equity (ROE) 6.8400%
Non-Performing Loans (NPL) 0.07%
Total Assets $141,788,000
Total Deposits $126,041,000
Equity Capital $13,214,000
Net Income $821,000
Headquarters Walterboro
Total Branches and Offices 2
Source: FDIC  |  Last Updated 12/31/2025
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Customer Reviews

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Frequently Asked Questions About 1st Federal Savings Bank of SC

How many branches does 1st Federal Savings Bank of SC operate?

1st Federal Savings Bank of SC currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, 1st Federal Savings Bank of SC does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Federal Savings Bank of SC provides members with tools to manage their accounts and build a solid financial history.

Does 1st Federal Savings Bank of SC offer online and mobile banking?

Most modern institutions like 1st Federal Savings Bank of SC provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stfederalofsc.com.

Current 1st Federal Savings Bank of SC Rates

  • 12-Month CD3.15%
  • 18-Month CD0.65%
  • 36-Month CD0.75%
  • 48-Month CD0.80%
  • Savings0.15%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.

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