Long-Term Savings

Prepare for the future with a strong, secure saving strategy.
Save for three months, five years, or anywhere in between - it's up to you. No matter your timeline, you can lock in a competitive rate to grow your savings.
  • $500 minimum deposit.
  • One-time option to "step up" to a higher dividend rate during the term.
Looking forward to a comfortable retirement? Stretch your savings even further with accounts that offer a range of tax benefits.
  • Traditional and Roth IRAs available.
  • Deposits are federally insured.
Enjoy the tax advantages of an Individual Retirement Account while earning higher dividends with our IRA Certificates.
  • Certificates ranging from 3 to 60 months.
  • Higher dividends than standard savings accounts.
Frequently 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, view Checking account options
To view Savings account options and learn more, view Savings account options

Required documents:
  • A valid driver's license or government-issued photo ID
  • U.S. Social Security number
  • Credit/debit card to fund the account
  • To make an appointment and to find out what other documents you need to bring with you, make an appointment.
For online account opening, 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. 

 
Log in to Online or Mobile Banking99All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay.  Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates.. Click on an account on the Account Summary page, click "Details" and then click "Show Full Account Number."
  • 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

  • You can also view your account number on your membership card that you received when you opened your account.
To sign up for Online Banking6All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates., click on "Login" at the top of the screen, then click on "First Time User," and follow the prompts.

To sign up for Mobile Banking, download the app from the App Store or Google Play by searching for "South Carolina Federal Credit Union." If you already have an Online Banking User ID and password, you can use it to log in. Or, click on "Register" to establish a user ID and password.
If you have registered for Online Banking99All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay.  Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates., you are automatically enrolled in eStatements.
Embrace the elephant in the room: retirement planning.
South Carolina Federal Investment Solutions, through CFS*, can help you whether you are 25 or 65. ​