PO BOX 190012
North Charlesto, SC 29419


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 1022
Date Established 1936
Assets $1,801.25 million
Loans $1,434.70 million
Deposits $1,357.22 million
Capital $198.04 million

South Carolina is an NCUA insured institution located in North Charlesto, SC. It was founded in 1936 and has approximately $1801.25 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

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 - April 18, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $1,000 $4,999 Learn MoreShow Less
Money Market
0.45% $10,000 $24,999 Learn MoreShow Less
Money Market
0.55% $25,000 $49,999 Learn MoreShow Less
1.25% $500 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.50% $500 $49,999 Learn MoreShow Less
3 Mo CD
0.60% $50,000 - Learn MoreShow Less
0.75% $500 $49,999 Learn MoreShow Less
6 Mo CD
0.85% $50,000 - Learn MoreShow Less
1.25% $500 $49,999 Learn MoreShow Less
12 Mo CD
1.35% $50,000 - Learn MoreShow Less
1.35% $500 $49,999 Learn MoreShow Less
1.75% $500 $49,999 Learn MoreShow Less
24 Mo CD
1.84% $50,000 - Learn MoreShow Less
2.15% $500 $49,999 Learn MoreShow Less
36 Mo CD
2.25% $50,000 - Learn MoreShow Less
2.75% $500 $49,999 Learn MoreShow Less
60 Mo CD
2.85% $50,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $9,999 Learn MoreShow Less

Loan Rates - April 18, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 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
5.41% 7.49

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 December 31, 2018, South Carolina had $10,790,081 in non-current loans and $146,791 in owned assets. To cover these potential losses it had $198,036,724 in net worth and $4,246,663 in loans loss reserves. That gives it a Texas Ratio of 5.41%.

Net Worth
South Carolina U.S. Average
10.99% 13.61%

South Carolina FCU has a net worth of 10.99% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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