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IRA Savings

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Wondering if you should open an IRA? What is the difference between a Traditional and Roth IRA? What is a Coverdell Education Savings Account (ESA)? Want to move money from one IRA to another IRA of the same type? What about a direct transfer from a Qualified Retirement Plan (QRP) to an eligible IRA? That’s a lot of questions – let us help by answering these and more and helping you compare what may work best for you.

South Carolina Federal offers an IRA Savings* account for Traditional IRAs, Roth IRAs and ESAs with no annual maintenance fees, and tax benefits may apply (consult your tax advisor regarding your personal situation).

  • Life Simplified – Let us assist you in moving an IRA or starting a new account
  • Security – IRA accounts are federally insured separately from regular savings, up to $250,000
  • Convenience – Let us help you set up the account that is right for you

Ready To Start Saving?

Accounts require personal attention and specific documentation and, therefore, are opened in a branch:

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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.

Tips For Saving

Rates: View our current IRA Certificate Rates

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


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).