Premium Checking

Our checking really pays!

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It Really Adds Up: Money that earns more money for you? Check.

If you maintain higher balances in your checking account, you'll love our Premium Checking with dividends and rewards.

Premium Checking features:

  • Dividends starting at $2,500
  • Premium share certificates available
  • Discounted vehicle loan rates, a 0.50% APR reduction*
  • Debit card uChoose Rewards, earn points every time you choose "credit" for your debit card purchases
  • Premium member service over the phone
  • Safe deposit box at a $20 discount per year
  • Instant issue debit card
  • Free foreign ATM use

And the best part is our Premium Checking monthly fee is waived as long as you maintain an average daily balance1 of $2,500 in your Premium Checking account or a month-end balance of $5,000 in combined share accounts (savings, checking, and/or Money Market) plus one of the following monthly:

  • Monthly direct deposit of at least a single amount of $2502 or more and 10 signature-based debit card transactions
  • Month-end loan balance3 of $15,000 or more
  • Monthly direct deposit of at least a single amount of $2502 or more and an open South Carolina Federal Mastercard credit card4
  • First mortgage

  • * Subject to loan approval. Offer applies on external refinances only. Discount only available when payment is automatically deducted from Premium Checking.
  • 1The Average Daily Balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
  • 2Direct Deposit must come directly into checking from the payroll source (allocations are not considered).
  • 3May combine auto, boat, Personal Access Line, etc. (all consumer loans, excluding First Mortgage and/or credit card).
  • 4Card must be open and in good standing.

Premium Checking Rates

Annual Percentage Yield1
or more
1Rates are subject to change after account opening. Fees and withdrawals may reduce earnings on account.
Dividend Rates are accurate as of 4/7/2023 and are subject to change daily.