South Carolina


Po Box 190012
North Charlesto, SC 29419
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.65% →
1-Year CD 0.40% 0.70% →
2-Year CD 0.70% 0.75% →
5-Year CD 1.10% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

South Carolina is an NCUA insured institution located in North Charlesto, SC. It was founded in 1936 and has approximately $2309.98 millions in assets.

Who can join?

Anyone who lives in the following South Carolina counties...

Most of Lexington and Richland Counties

And immediate family of a member or someone who qualifies, including... Spouse, Children/Stepchildren/Adopted children, Sibling/Stepsibling, Parents/Stepparents, Grandparents, Grandchildren, Two people sharing a residence (home, apartment, condo), Domestic partners (unmarried people who live together), Legal guardian relationships

NCUA Insured Yes / Federally Chartered
Charter Number # # 1022
Date Established 1936
Assets $2,309.98 million
Loans $1,569.22 million
Deposits $1,896.14 million
Capital $236.77 million

Field of Membership Restrictions

Membership in South Carolina Federal Credit Union is open to those who live, work, worship or attend school in Charleston, Dorchester, Berkeley, Calhoun, Georgetown, Orangeburg or selected parts of Lexington or Richland County. Membership is also open to immediate family and household members of eligible members.

Deposit Rates - July 26, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.10% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 26, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SOUTH CAROLINA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Beeline Loans, Inc.
NMLS ID: 1799947
2.656% 2.625% 0.38 $1,008 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are South Carolina branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

South Carolina Locations

Financial Details

South Carolina Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of South Carolina. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
South Carolina U.S. Average
1.69% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, South Carolina had $3,946,651 in non-current loans and $162,910 in owned assets. To cover these potential losses it had $236,771,137 in net worth and $5,868,160 in loans loss reserves. That gives it a Texas Ratio of 1.69%.

Net Worth
South Carolina U.S. Average
10.24% 12.20%

South Carolina FCU has a net worth of 10.24% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About South Carolina

Branches and Savings

What is South Carolina?

A federal credit union, registered with the NCUA under certificate #1022.
Learn more about credit unions here.

Is South Carolina FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. South Carolina is insured by the NCUA.

Who can join South Carolina?

Please see Field of Membership information above for information on who is eligible to join.

What are South Carolina's share account and share certificate rates?

South Carolina's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is South Carolina?

South Carolina has total capital of $236.77 million. Full information on South Carolina's financial position is located above.

Who owns South Carolina?

Credit Unions are owned by their members.

Where are South Carolina branches located?

See branch locations nearby.

Are South Carolina ATMs Open 24/7?

Do South Carolina ATMs accept cash deposits?

Can South Carolina customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does South Carolina have a mobile app?

Does South Carolina have mobile deposit?

Does South Carolina have quick pay?

How can South Carolina transfer money to other banks or credit unions?

Does South Carolina report to credit bureaus?

Does South Carolina use Chexsystems?

Does South Carolina use Equifax?

What is South Carolina's toll free phone number?

What is South Carolina's ACH Routing Number?

What is South Carolina's SWIFT code?

Where can I find South Carolina's wire transfer form?

What is the South Carolina address for deposits?

What Products Does South Carolina Offer

Does South Carolina offer mortgages?

Compare mortgage rates here.

Does South Carolina offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does South Carolina offer auto and RV loans?

Compare auto loan rates here.

Does South Carolina offer student loans or personal loans?

Compare personal loan rates here.

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