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.
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.
  • First Name is a required field
  • Last Name is a required field
  • Phone is a required field
  • Please enter a valid phone number
  • Email is a required field
      • Message is a required field
      • reCAPTCHA is a required field
      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
      View more
      You can open an account by visiting a financial cetner, calling (800) 845-0432, or online. Here are some things to keep in mind as you begin the application process:

      It will take about 10 minutes to open and fund your new account. You will need:
      • A valid driver's license or government-issued photo ID
      • U.S. Social Security Number or ITIN
      • U.S. checking account or credit/debit card to fund the account (please refer to Rates and Fee Schedule for details).
      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. 


      There are several ways to withdraw from your account including:

      • Visit a financial center durring business hours.
      • Use an ATM - free at South Carolina Federal ATMs and surcharge-free at Allpoint Network ATMs.
      • Transfer funds from one account to another via Online Banking, Mobile Banking1, or Phone Banking.
      • Get cash back while shopping.
      • Send a wire transfer.
      There are several ways to deposit money into your account, including:            South Carolina Federal Credit Union
                 PO Box 190012
                 North Charleston SC 29419-9012
      • Call (800) 845-0432 and transfer money through ACI Payments, Inc.
      • Send a wire transfer.

      Copies of cleared checks are available for up to seven years from the date they are posted to your account.

      To obtain a check copy through Online Banking:

      • Log into your account.
      • Under the “Account Access” tab choose “View Transaction History."
      • If the check number appears in your transaction history, click on the blue hyperlinked check number; an image of the check will appear.
      • Checks are maintained through Online Banking six months after the cleared date.

      Use our Secure Chat feature to complete your request:

      • Please log into Online Banking and click on the “Secure Chat” link for a live chat with one of our representatives.
      If you wish to close your account, we ask that you visit a local financial center or contact us.

      Please be advised, your account cannot be closed if you have an open credit card and/or loan with a balance. If the credit card and/or loan are paid in full, but still open, you will still need to sign documents to close those accounts.
      View More
      Turn every purchase into a rewarding experience.
      Enjoy financial flexibility with low rates, cash back and reward credit card options.


      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.