Military Friendly Checking

We are honored to serve the men and women who protect our freedom.
Free Premium Checking
We waive the monthly fee and pay dividends on your checking balance.
Debit card benefits
Get an Instant Issue card free of charge and cash in with our rewards program.
Rate advantages
Qualify for discounts on auto loans and higher earnings on Share Certificates.
Other perks
Enjoy safe deposit box discounts, free foreign ATM use, and more.

Your country thanks you. And we do, too.

Being active-duty military often means making sacrifices - frequent moves, time away from family, difficult deployments. At South Carolina Federal Credit Union, we feel it is time you were rewarded for your courage and commitment. By simply presenting your active-duty* military ID, you receive a Premium Checking account with a wide range of benefits.

  • Monthly Premium Checking fee waived.
  • Tiered dividend payments starting at $2,500.**
  • Premium Share Certificates available.
  • 0.50% APR*** discount on vehicle loan rates.
  • Debit Card uChoose Rewards program access to earn points every time you choose “credit” for purchases with your debit card.
  • Priority member service over the phone.
  • $20 per year discount on any size safe deposit box.
  • Free Instant issue debit card, with a variety of colors to choose from.
  • Free international ATM use (no charge from us - surcharges from ATM owner may apply).
  • Free cashier's checks.
Effective Date: October 1, 2023
From To Dividend Rate Annual Percentage Yield1
$2,500.00$9,999.99 0.05% 0.05%
$10,000.00or more0.10%0.10%
Thank you for your interest in South Carolina Federal Credit Union.
Fill out the form below and one of our representatives will reach out to you shortly.
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      This form is not a secure form of communication. If any confidential information such as account numbers, SSNs, etc. is necessary, it will not be obtained until we have contacted you. This is another way South Carolina Federal works to keep your information secure.
      Take advantage of our Military Friendly Checking account.
      asked questions
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      You can open an account by visiting a financial center, calling (800) 845-0432, or online.

      To view Checking account options and learn more, click here
      To view Savings account options and learn more, click here

      Required documents:
      • A valid driver's license or government-issued photo ID
      • U.S. Social Security Number
      • Credit/debit card to fund the account 
      You must be a U.S. citizen or a U.S. resident alien.

      The following accounts require personal attention, specific documentation and are not opened online: Trust, Individual Retirement Accounts (IRAs), estate accounts, business accounts, teen accounts and Kids Savings accounts. Please visit a financial center for assistance with these accounts. 


      You can locate your account number by clicking on the eye icon within Online or Mobile Banking.1 If you have checks for your account, your account number is the second string of characters printed on the bottom of your checks.
      Check Sample

      Complete the direct deposit form (PDF) and submit it to your employer/income provider. You will need your
      account number and South Carolina Federal's routing number.

      South Carolina Federal's routing (MICR) number is 253278401. Your account number is the second string of characters at the bottom left of your check. You can also locate your account number by clicking on the eye icon within Online or Mobile Banking.1
      If this is your first time placing an order for checks, please give us a call at (800) 845-0432
      If this is not your first time ordering checks, follow these steps:
      • Log into Online Banking.
      • Click on one of your accounts. 
      • Click on "More Actions."
      • Click on "Order Checks."
      • Click "Continue."
      • Follow the remaining steps. 

      Here are some tools to help you stay on top of your finances and avoid overdrafts:

      • Budget: Check out our budgeting tips here to help you make better financial decisions.

      • Enroll in Direct Deposit: Direct Deposit lets you receive your paychecks faster and helps ensure you have the money you need, when you need it.

      • Enroll in Online Banking: Check your balances and account history, schedule transfers, receive mobile account alerts and deposit checks through Remote Deposit; all through the convenience of Online Banking. 

      The road to a better auto loan starts here.
      Low rates, flexible payment options and available discounts help you keep monthly payments down.


      Military benefits are valid for three years and can be renewed every three years by presenting military ID or proof of active duty service.

      Refer to dividend rates page.
      Offer applies on external refinances only. Discount only available when payment is automatically deducted from Premium Checking.
      Dividend Rates are accurate as of 4/7/2023. Rates are subject to change after account opening. Fees and withdrawals may reduce earnings on account.