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IRA Share Certificates

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IRA Share Certificates are a great way to lock in a higher rate on your IRA Club account. With as little as $500 in your IRA Club*, you can open an IRA Share Certificate. We offer a variety of maturities, from 3 to 60 months, and longer maturities earn higher dividends.

With $50,000 in your IRA Club*, you can open a Jumbo IRA Share Certificate.

  • Convenience – Pick your term
  • Security – Funds insured up to $250,000
  • Flexibility – We offer a 36-month Step-Up option that lets you "step up" to a higher dividend rate once during the term

Ready to start saving?

Two easy and convenient ways to apply:

By phone button In branch button

Not A Member?

If you’re not currently a member of South Carolina Federal, you can still apply for an IRA. Want to learn more about joining the credit union? Learn more.

Member Savings Tips

Rates: View our current IRA Certificate Rates

Calculate: How long will it take you to reach your savings goal?

*IRA Club accounts required with all IRA Share Certificates 

Online Banking

A South Carolina Federal Credit Union representative will assist you in the process. To enroll, please visit one of our financial centers or call our Contact Center:

  • 843.797.8300  (Charleston)
  • 803.738.8300  (Columbia)
  • 843.545.8300  (Georgetown)
  • 800.845.0432  (Nationwide)

Forgot your User ID?

Please call our Contact Center for assistance:

  • 843.797.8300  (Charleston)
  • 803.738.8300  (Columbia)
  • 843.545.8300  (Georgetown)
  • 800.845.0432  (Nationwide)