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iAdvertiser Disclosure
Advertiser Disclosure
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 South Carolina State Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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: April 18, 2026
South Carolina State Federal Credit Union's CDs (including IRA) 60+ month rates are at 3.65%, SCU CDs 60+ month rates are at 3.65%, CDs (including IRA) 12+ month rates are at 3.60%, CDs (including IRA) 48+ month rates are at 3.60%, SCU CDs 12+ month rates are at 3.60%. South Carolina State Federal Credit Union's savings rates are at 0.15%. South Carolina State Federal Credit Union's Personal Loan Rates are at 11.99%. MonitorBankRates evaluates the financial stability of South Carolina State Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.29%. Rates were last updated on 04/18/2026. South Carolina State Federal Credit Union 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 South Carolina State Federal Credit Union? Share your experience about South Carolina State Federal Credit Union by leaving a review below, or read customer reviews before you decide to use South Carolina State Federal Credit Union. South Carolina State Federal Credit Union
Corporate Office 800 Huger St
https://www.scscu.com Columbia, SC 29201 3620 
South Carolina State Federal Credit Union CD Rates
South Carolina State Federal Credit Union Savings Rates
South Carolina State Federal Credit Union Checking Rates
South Carolina State Federal Credit Union Mortgage Rates
South Carolina State Federal Credit Union Home Equity & HELOC
South Carolina State Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for South Carolina State Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather South Carolina State Federal Credit Union 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 South Carolina State Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
South Carolina State Federal Credit Union
Website
https://www.scscu.com
Address
800 Huger St,
Columbia, SC 29201 3620
Phone
803-343-0300
Fax
803-454-8044
President
Vincent Rhodes
CEO
James Kinard
Full-Time Employees
287
Part-Time Employees
1
Branch Locations
19
ATM Locations
22
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.29%
Return on Assets (ROA)
1.4803%
Return on Equity (ROE)
9.8526%
Non-Performing Loans Ratio (NPL)
0.82%
Total Assets
1,401,450,224
Total Amount of Shares and Deposits
1,178,512,790
Total Shares and Deposits < 1 Year
1,124,080,963
Total Shares and Deposits 1 3 Years
49,703,776
Total Shares and Deposits > 3 Years
4,728,051
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
42,449,848
Total Uninsured Shares and Deposits > $250K (F+J)
42,449,848
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,136,062,942
Total Interest Expense (Sum of items 6 8)
10,565,111
Share Certificates
7,241
Number of Accounts for Share Drafts
60,804
IRA KEOGH Accounts
1,831
Number of Accounts for Regular Shares
117,043
Money Market Shares
6,543
Net Income (unless the amount is already included in Undivided Earnings)
20,745,375
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
63,492,673
Total Liabilities
1,191,361,478
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About South Carolina State Federal Credit UnionIs South Carolina State Federal Credit Union a safe place to deposit money?Yes, South Carolina State Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.292654375561%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does South Carolina State Federal Credit Union operate?South Carolina State Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join South Carolina State Federal Credit Union?Yes, to access services at South Carolina State Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, South Carolina State Federal Credit Union 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, South Carolina State Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does South Carolina State Federal Credit Union offer online and mobile banking?Most modern institutions like South Carolina State Federal Credit Union 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.scscu.com. Current South Carolina State Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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