Best Checking Accounts & Rates in South Carolina - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
The best checking rates for South Carolina include Carolina Foothills Federal Credit UnionCarolina Foothills Federal Credit Union520 N Church St, Spartanburg, SC 29303 3034A5.0 ★Texas Ratio: 7.73% Peak Performance Checking at 5.12% APY, Sharonview Federal Credit UnionSharonview Federal Credit Union1955 Sharonview Way, Indian Land, SC 29707A5.0 ★Texas Ratio: 10.83% High-Yield Checking at 2.00% APY, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union110 Outlet Pointe Blvd, Columbia, SC 29210A+5.0 ★Texas Ratio: 3.88% Rewards Checking at 1.76% APY, State Department Federal Credit UnionState Department Federal Credit Union2009 Dyess Ave Bldg F, Charleston, SC 29405 2502A+5.0 ★Texas Ratio: 4.30% Privilege Checking at 0.80% APY, and First Piedmont Federal S&L of GaffneyFirst Piedmont Federal S&L of Gaffney1229 W Floyd Baker Blvd, Gaffney, SC 29341A+5.0 ★Texas Ratio: 1.46% Checking - NOW at 0.75% APY. Checking account rates as of May 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across South Carolina side-by-side. South Carolina checking rates currently reach as high as 5.12% APY from Carolina Foothills Federal Credit Union at 520 N Church St, Spartanburg, SC, 29303 3034. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in South Carolina. Checking Account Rates Last Updated and Verified: May 22, 2026
Compare Checking Account Rates Today in South Carolina
Spartanburg, SC 29303 3034
Qualifying balance up to $15,000.00
Indian Land, SC 29707
Qualifying balance up to $10,000.00
Columbia, SC 29210
Qualifying balance up to $15,000.00
Charleston, SC 29405 2502
No additional details provided.
Gaffney, SC 29341
No additional details provided.
Florence, SC 29501
No additional details provided.
Charleston, SC 29405 2502
No additional details provided.
Florence, SC 29501
No additional details provided.
Aiken, SC 29801
No additional details provided.
Aiken, SC 29801
No additional details provided.
Greenville, SC 29615
No additional details provided.
Greenville, SC 29615
No additional details provided.
Timmonsville, SC 29161
No additional details provided.
Holly Hill, SC 29059
No additional details provided.
Aiken, SC 29801
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Greenville, SC 29615
No additional details provided.
Greenville, SC 29615
No additional details provided.
Greenville, SC 29615
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Spartanburg, SC 29303 3034
Qualifying balance up to $15,000.00
Indian Land, SC 29707
Qualifying balance up to $10,000.00
Columbia, SC 29210
Qualifying balance up to $15,000.00
Charleston, SC 29405 2502
No additional details provided.
Aiken, SC 29801
No additional details provided.
Aiken, SC 29801
No additional details provided.
Aiken, SC 29801
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Mount Pleasant, SC 29466
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Mount Pleasant, SC 29466
No additional details provided.
Timmonsville, SC 29161
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Aiken, SC 29801
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Anderson, SC 29625
No additional details provided.
Columbia, SC 29210
Qualifying balance up to $15,000.00
Greenville, SC 29609
No additional details provided.
Greenville, SC 29607 5346
No additional details provided.
Anderson, SC 29625
No additional details provided.
Spartanburg, SC 29303 3034
No additional details provided.
Mount Pleasant, SC 29466
No additional details provided.
Mount Pleasant, SC 29466
No additional details provided.
Greenville, SC 29607 2761
No additional details provided.
Greenville, SC 29607 2761
No additional details provided.
Greenwood, SC 29646
No additional details provided.
Greenville, SC 29607 2761
No additional details provided.
South Carolina Checking Rate Trends
Compare local South Carolina checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
South Carolina high-yield checking rates rose 0.036 points over the past 7 days to 1.262% APY.
South Carolina free checking rates currently average 1.023% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South Carolina checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for South Carolina directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in South Carolina. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in SC.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in South Carolina earn interest?
Are banks in South Carolina FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in South Carolina
- Carolina Foothills Federal Credit Union
Peak Performance Checking — 5.12% APY - Sharonview Federal Credit Union
High-Yield Checking — 2.00% APY - Carolinas Telco Federal Credit Union
Rewards Checking — 1.76% APY - State Department Federal Credit Union
Privilege Checking — 0.80% APY - First Piedmont Federal S&L of Gaffney
Checking - NOW — 0.75% APY
Checking Account Rates by City in South Carolina
