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Share Certificates

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Want to lock in a higher rate? Plan on saving for 3 to 60 months? A Share Certificate may work for you. With as little as $500, our Share Certificates offer a variety of maturities, from 3 to 60 months. Longer maturities earn higher dividends.

Looking to invest over $50,000 and want a higher rate? Plan on saving for 3 to 60 months? A Jumbo Share Certificate may work for you.

  • 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 Open A Share Certificate?

Two easy and convenient ways to apply:

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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.

Member Savings Tips

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).