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 South Carolina Federal Credit Union Rates & Review November 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 and Verified: October 30, 2026
South Carolina Federal Credit Union's Premium CD - 60 Month Premium rates are at 4.10%, Jumbo Share and IRA CDs - 60 month rates are at 4.10%, 60 Month Regular Share and IRA CDs rates are at 4.00%, Jumbo Share and IRA CDs - 36 month rates are at 2.85%, 36 Month Regular Share and IRA CDs rates are at 2.75%. South Carolina Federal Credit Union's savings rates are at 1.11%. South Carolina Federal Credit Union's money market rates are at 3.00%. South Carolina Federal Credit Union's checking rates are as high as 0.10%. South Carolina Federal Credit Union's Mortgage - 15 Year Fixed rates are at 6.38%, Mortgage - 20 Year Fixed rates are at 6.62%, Mortgage - 30 Year Fixed rates are at 7.00%. South Carolina Federal Credit Union's Personal Loan Rates are as low as 7.00%. South Carolina Federal Credit Union's Credit Card Rates are at 13.74%. South Carolina Federal Credit Union's CD rates are 9% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of South Carolina Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.23%. Rates last updated and verified on 10/30/2026. South Carolina 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 Federal Credit Union? Share your experience about South Carolina Federal Credit Union by leaving a review below, or read customer reviews before you decide to use South Carolina Federal Credit Union. South Carolina Federal Credit Union
Rivers Ave #1 2175 Credit Union Ln
https://www.scfederal.org North Charleston, SC 29406-4915  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. South Carolina Federal Credit Union CD Rates
South Carolina Federal Credit Union Savings Rates
South Carolina Federal Credit Union Money Market Rates
South Carolina Federal Credit Union Checking Rates
South Carolina Federal Credit Union Mortgage Rates
South Carolina Federal Credit Union Auto Loan Rates
South Carolina Federal Credit Union RV, Boat and Powersport Loan Rates
South Carolina Federal Credit Union Credit Card Rates
South Carolina Federal Credit Union Personal Loan Rates
Financial Health HistorySouth Carolina Federal Credit Union’s Texas Ratio rose from 2.16% in Q3 2023 to 3.23% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for South Carolina 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 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 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
South Carolina Federal Credit Union
Website
https://www.scfederal.org
Address
2175 Credit Union Ln,
North Charleston, SC 29406-4915
Phone
843-797-8300
Fax
843-569-6389
President
Kelvin Brown
CEO
Scott Woods
Full-Time Employees
565
Part-Time Employees
17
Branch Locations
34
ATM Locations
30
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
3.23%
Return on Assets (ROA)
0.4883%
Return on Equity (ROE)
3.6589%
Non-Performing Loans Ratio (NPL)
0.60%
Total Assets
2,586,089,138
Total Amount of Shares and Deposits
2,099,536,743
Total Shares and Deposits < 1 Year
2,042,642,967
Total Shares and Deposits 1 3 Years
27,602,892
Total Shares and Deposits > 3 Years
29,290,884
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
157,521,273
Total Uninsured Shares and Deposits > $250K (F+J)
157,521,273
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,942,015,470
Total Interest Expense (Sum of items 6 8)
6,811,947
Share Certificates
4,871
Number of Accounts for Share Drafts
131,744
IRA KEOGH Accounts
5,006
Number of Accounts for Regular Shares
182,917
All other shares
4,089
Non Member Deposits
3
Money Market Shares
7,391
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
220,144,967
Total Liabilities
2,240,288,875
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About South Carolina Federal Credit UnionDoes South Carolina Federal Credit Union offer CDs?Yes. South Carolina Federal Credit Union current CD rates include its Premium CD - 60 Month Premium at 4.10% APY, its Jumbo Share and IRA CDs - 60 month at 4.10% APY and its 60 Month Regular Share and IRA CDs at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from South Carolina Federal Credit Union NCUA insured?Yes. South Carolina Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at South Carolina Federal Credit Union?The highest South Carolina Federal Credit Union CD rate is its Jumbo Share and IRA CDs - 60 month at 4.10% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does South Carolina Federal Credit Union offer?South Carolina Federal Credit Union CD rates are 2.25% APY for a 12 month CD, 2.30% APY for an 18 month CD, 2.50% APY for a 2 year CD, 2.85% APY for a 3 year CD and 4.10% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with South Carolina Federal Credit Union for its full lineup. What is the highest savings rate at South Carolina Federal Credit Union?The highest South Carolina Federal Credit Union savings rate is its MY Savings Account (18-25 years) at 1.11% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at South Carolina Federal Credit Union?The highest South Carolina Federal Credit Union money market rate is its Money Market Account at 3.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at South Carolina Federal Credit Union?The highest South Carolina Federal Credit Union checking rate is its Premium Checking at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at South Carolina Federal Credit Union?The lowest South Carolina Federal Credit Union 30 year fixed mortgage rate is its Mortgage - 30 Year Fixed at 7.00%, verified by MonitorBankRates as of October 30, 2026. South Carolina Federal Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.625% for a 20 year mortgage and 6.375% for a 15 year mortgage. What is the lowest auto loan rate at South Carolina Federal Credit Union?The lowest South Carolina Federal Credit Union auto loan rate is its New Auto Loan at 5.24% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at South Carolina Federal Credit Union?The lowest South Carolina Federal Credit Union personal loan rate is its Personal Loan at 12.00% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at South Carolina Federal Credit Union?The lowest South Carolina Federal Credit Union credit card APR is its Credit Cards at 13.74% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does South Carolina Federal Credit Union operate?South Carolina 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 Federal Credit Union?Yes, to access services at South Carolina 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 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does South Carolina Federal Credit Union offer online and mobile banking?Most modern institutions like South Carolina 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.scfederal.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do South Carolina Federal Credit Union rates compare?South Carolina Federal Credit Union's CD rates are 9% lower than the MonitorBankRates national average, and it has an A+ health rating. South Carolina Federal Credit Union's top rates are its Jumbo Share and IRA CDs - 60 month at 4.10% APY, its MY Savings Account (18-25 years) at 1.11% APY, its Money Market Account at 3.00% APY, its Premium Checking at 0.10% APY, its Mortgage - 15 Year Fixed at 6.375%, its Share Loan at 7.00% APR and its Credit Cards at 13.74% APR, verified by MonitorBankRates on October 30, 2026. Current South Carolina Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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