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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 Enrollment

Enrolling in Online Banking is simple and FREE:

  1. Enter your User ID
  2. Enter Phone Banking PIN as your Password
  3. Click on the LOG IN button

If you don't know your Phone Banking PIN, please contact us at 843.797.8300 (Charleston) or 800.845.0432 (Nationwide).