South Carolina

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South Carolina Credit Union Savings Rates 2024

You are viewing savings rates from credit unions across South Carolina

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

SC - May 24, 2024

Savings Account National Average Rate: 0.43% ?

Credit Unions APY MIN

Rate History: 4.25% → 4.17%

| Sep 20, 2023

Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More

State Department


Restrictions

3.56%

2.02%
1.51%
1.26%

$250,000

$100,000
$50,000
$25,000
Learn More

Safe


Restrictions

3.45%

3.20%
2.80%
2.40%
1.60%
1.25%

$500,001

$250,001
$100,001
$50,001
$25,001
$1
Learn More

Rate History: 3.32% → 3.33% → 3.36% → 3.34% → 3.32%

| Dec 30, 2018

Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in. Read More

Greenstate


Restrictions

2.45%

2.25%
2.05%
1.85%
1.65%
1.45%

$1,000,000

$500,000
$250,000
$100,000
$50,000
$2,500
Learn More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

| Nov 30, 2020

I will never do business with grow again. Very dissatisfied as a client. Read More

2.25%

2.05%
1.85%
1.65%
1.50%
1.10%
1.06%
0.95%

$1,000,000

$500,000
$250,000
$100,000
$50,000
$25,000
$10,000
$2,500
Learn More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Rate History: 2.10% → 2.25%

| Sep 20, 2023

Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More

Rate History: 1.20% → 1.30% → 1.41% → 1.36%

State Department


Restrictions

1.21%

$2,000

Learn More

Greenstate


Restrictions

1.00%

0.05%

$100

$101
Learn More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

Corning


Restrictions

1.00%

0.75%
0.60%
0.50%

$25,000

$10,000
$2,500
$0
Learn More

Sharonview


Restrictions

0.75%

$10,000

Learn More

| Jan 13, 2019

Customer service sucks if you have to call in. My card has been locked for almost a month and I’ve yet to speak with a human for what I’m sure is a easily fixed problem. I specifically can’t get thro... Read More

S. C. State


Restrictions

0.70%

$25,000

Learn More

Premier


Restrictions

0.65%

$25,000

Learn More

Honda


Restrictions

0.60%

$25,000

Learn More

Premier


Restrictions

0.55%

$10,000

Learn More

S. C. State


Restrictions

0.50%

$10,000

Learn More

Houston


Restrictions

0.50%

$25,000

Learn More

Sharonview


Restrictions

0.50%

$2,500

Learn More

| Jan 13, 2019

Customer service sucks if you have to call in. My card has been locked for almost a month and I’ve yet to speak with a human for what I’m sure is a easily fixed problem. I specifically can’t get thro... Read More

Greenville


Restrictions

0.50%

$25,000

Learn More

Premier


Restrictions

0.50%

$2,500

Learn More

Honda


Restrictions

0.50%

$10,000

Learn More

Marine


Restrictions

0.50%

$25,000

Learn More

| Mar 12, 2023

Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More

S. C. State


Restrictions

0.45%

$2,500

Learn More

Houston


Restrictions

0.45%

$10,000

Learn More

Houston


Restrictions

0.40%

$2,500

Learn More

Greenville


Restrictions

0.40%

$2,500

Learn More

0.40%

$25,000

Learn More

Georgetown Kraft


Restrictions

0.40%

$25,000

Learn More

Marine


Restrictions

0.40%

$2,500

Learn More

| Mar 12, 2023

Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More

Peach State


Restrictions

0.35%

$25,000

Learn More

| Jun 2, 2023

Best financial institution I’ve ever dealt with. Read More

Secured Advantage


Restrictions

0.35%

$2,500

Learn More

Founders


Restrictions

0.35%

$25,000

Learn More

| Dec 12, 2019

We have saving with Founders for 2 years and are very pleased with excellent service, great employees and high savings rates. Read More

Rate History: 0.20% → 0.30% → 0.35%

Honda


Restrictions

0.35%

$2,500

Learn More

Peach State


Restrictions

0.30%

$10,000

Learn More

| Jun 2, 2023

Best financial institution I’ve ever dealt with. Read More

| Dec 30, 2018

Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in. Read More

0.30%

$10,000

Learn More

Pee Dee


Restrictions

0.30%

$2,500

Learn More

Allsouth


Restrictions

0.27%

$25,000

Learn More

| Jul 9, 2021

NO! This is why I stopped banking with them. To me, that is outdated to only have an ATM that gives out cash and performs no other function. Read More

Star Usa


Restrictions

0.25%

$50,000

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

0.25%

$2,500

Learn More

Allsouth


Restrictions

0.25%

$10,000

Learn More

| Jul 9, 2021

NO! This is why I stopped banking with them. To me, that is outdated to only have an ATM that gives out cash and performs no other function. Read More

Peach State


Restrictions

0.25%

$2,500

Learn More

| Jun 2, 2023

Best financial institution I’ve ever dealt with. Read More

0.25%

$5

Learn More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Upstate


Restrictions

0.25%

$25,000

Learn More

S. C. Telco


Restrictions

0.25%

$25,000

Learn More

Cpm


Restrictions

0.25%

$25,000

Learn More

Secured Advantage


Restrictions

0.25%

$2,500

Learn More

Founders


Restrictions

0.25%

$2,500

Learn More

| Dec 12, 2019

We have saving with Founders for 2 years and are very pleased with excellent service, great employees and high savings rates. Read More

Vital


Restrictions

0.25%

$2,500

Learn More

0.25%

$2,500

Learn More

Premier


Restrictions

0.25%

$2,500

Learn More

0.25%

$25,000

Learn More

Georgetown Kraft


Restrictions

0.25%

$10,000

Learn More

Marine


Restrictions

0.25%

$2,500

Learn More

| Mar 12, 2023

Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More

Allsouth


Restrictions

0.23%

$2,500

Learn More

| Jul 9, 2021

NO! This is why I stopped banking with them. To me, that is outdated to only have an ATM that gives out cash and performs no other function. Read More

Spc


Restrictions

0.20%

$25

Learn More

Edu


Restrictions

0.20%

$0

Learn More

Family Trust


Restrictions

0.20%

$25,000

Learn More

Arrowpointe


Restrictions

0.20%

$25,000

Learn More

Caro


Restrictions

0.20%

$10,000

Learn More

Neighbors United


Restrictions

0.20%

$1

Learn More

Parda


Restrictions

0.20%

$25,000

Learn More

| Mar 3, 2021

I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More

0.20%

$2,500

Learn More

Pee Dee


Restrictions

0.20%

$2,500

Learn More

0.15%

$10,001

Learn More

0.15%

$25

Learn More

Star Usa


Restrictions

0.15%

$2,500

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Rate History: 0.10% → 0.15%

| Nov 30, 2020

I will never do business with grow again. Very dissatisfied as a client. Read More

Srp


Restrictions

0.15%

$1

Learn More

Peach State


Restrictions

0.15%

$2,500

Learn More

| Jun 2, 2023

Best financial institution I’ve ever dealt with. Read More

S. C. State


Restrictions

0.15%

$2,500

Learn More

Palmetto Health


Restrictions

0.15%

$2,500

Learn More

S. C. Telco


Restrictions

0.15%

$2,500

Learn More

Cpm


Restrictions

0.15%

$2,500

Learn More

Market Usa


Restrictions

0.15%

$25,000

Learn More

Founders


Restrictions

0.15%

$2,500

Learn More

| Dec 12, 2019

We have saving with Founders for 2 years and are very pleased with excellent service, great employees and high savings rates. Read More

South Carolina


Restrictions

0.15%

$25,000

Learn More

Parda


Restrictions

0.15%

$10,000

Learn More

| Mar 3, 2021

I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More

Carolinas Telco


Restrictions

0.15%

$2,500

Learn More

0.15%

$10,000

Learn More

0.15%

$2,500

Learn More

Carolina Trust


Restrictions

0.15%

$25,000

Learn More

| Jul 17, 2018

the bank is very close to me but has terrible interest rate never bank with them. Read More

Honda


Restrictions

0.15%

$2,500

Learn More

Market Usa


Restrictions

0.11%

$2,500

Learn More

0.10%

$250

Learn More

Anderson


Restrictions

0.10%

$10,000

Learn More

Star Usa


Restrictions

0.10%

$10

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Allsouth


Restrictions

0.10%

$100

Learn More

| Jul 9, 2021

NO! This is why I stopped banking with them. To me, that is outdated to only have an ATM that gives out cash and performs no other function. Read More

Upstate


Restrictions

0.10%

$10,000

Learn More

S. C. Telco


Restrictions

0.10%

$2,500

Learn More

Mtc


Restrictions

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

Greenville


Restrictions

0.10%

$2,500

Learn More

Family Trust


Restrictions

0.10%

$2,500

Learn More

Arrowpointe


Restrictions

0.10%

$2,500

Learn More

South Carolina


Restrictions

0.10%

$10,000

Learn More

0.10%

$2,500

Learn More

Parda


Restrictions

0.10%

$2,500

Learn More

| Mar 3, 2021

I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Carolina Trust


Restrictions

0.10%

$10,000

Learn More

| Jul 17, 2018

the bank is very close to me but has terrible interest rate never bank with them. Read More

Georgetown Kraft


Restrictions

0.10%

$2,500

Learn More

0.07%

$2,500

Learn More

0.06%

$2,500

Learn More

State Department


Restrictions

0.05%

$0

Learn More

Star Usa


Restrictions

0.05%

$5

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Anderson


Restrictions

0.05%

$2,500

Learn More

Caro


Restrictions

0.05%

$2,500

Learn More

Upstate


Restrictions

0.05%

$2,500

Learn More

0.05%

$250

Learn More

Sharonview


Restrictions

0.05%

$2,500

Learn More

| Jan 13, 2019

Customer service sucks if you have to call in. My card has been locked for almost a month and I’ve yet to speak with a human for what I’m sure is a easily fixed problem. I specifically can’t get thro... Read More

Market Usa


Restrictions

0.05%

$2,500

Learn More

Family Trust


Restrictions

0.05%

$2,500

Learn More

Arrowpointe


Restrictions

0.05%

$2,500

Learn More

South Carolina


Restrictions

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

Parda


Restrictions

0.05%

$2,500

Learn More

| Mar 3, 2021

I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More

Mid Carolina


Restrictions

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

Carolina Trust


Restrictions

0.05%

$2,500

Learn More

| Jul 17, 2018

the bank is very close to me but has terrible interest rate never bank with them. Read More

Houston


Restrictions

0.03%

$2,500

Learn More

Carolina Trust


Restrictions

0.03%

$2,500

Learn More

| Jul 17, 2018

the bank is very close to me but has terrible interest rate never bank with them. Read More

Cpm


Restrictions

0.02%

$2,500

Learn More

Edu


Restrictions

0.01%

$1

Learn More

0.01%

$2,500

Learn More
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

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