South Carolina Federal Credit Union


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

Notable Rates APY Vs.Others
Savings 0.05% 5.50% →
1-Year CD 0.40% 5.50% →
2-Year CD 0.70% 5.00% →
5-Year CD 1.10% 4.61% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2024 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 $2536.66 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 $2,536.66 million
Loans $1,938.66 million
Deposits $2,031.24 million
Capital $290.38 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 - February 26, 2024

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 - February 26, 2024

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 2024

Lender APR Rate (%) Points Fees Monthly
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Neighbors Bank
NMLS ID: 491986
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Veterans United Home Loans
NMLS ID: 1907
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Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to South Carolina
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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.

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South Carolina Locations

Climate Initiatives

SOUTH CAROLINA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
2.64% 5.37

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 September 30, 2023, South Carolina had $7,771,259 in non-current loans and $116,852 in owned assets. To cover these potential losses it had $290,382,503 in net worth and $8,780,381 in loans loss reserves. That gives it a Texas Ratio of 2.64%.

Net Worth
South Carolina U.S. Average
11.42% 13.46%

South Carolina FCU has a net worth of 11.42% versus the BestCashCow average of 13.46. 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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