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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

A South Carolina Federal Credit Union representative will assist you in the Online Banking enrollment 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)