Get ready for your golden years with a secure savings strategy.
Higher rates
IRA Certificates earn higher dividends than most savings accounts.
Take your choice
Lock in dividend rates for 3 months, 60 months, or some period in between.
Enjoy tax benefits
Traditional and Roth IRAs' advantages can stretch your retirement dollars further.
Step up and save more
A 36-month step-up option lets you move to a higher dividend rate once during your Certificate term.

Tax benefits can help stretch your retirement dollars.

You have worked hard throughout your life to make it to retirement. When it comes to saving for your retirement, you deserve an account that will work hard for you. With South Carolina Federal Credit Union IRA Certificates, you can confidently build your nest egg with the help of higher dividend returns, tax advantages, and federal insurance that protects your hard-earned savings.

  • Contribute up to $7,000 annually in your IRA ($7,500 if over age 50).
  • Both Traditional or Roth IRAs can include IRA Certificates.
  • With Roth IRAs, qualified withdrawals may be tax exempt.
  • With both Traditional and Roth IRAs, dividends may be tax exempt.
  • With Traditional IRAs, you may be able to take a tax deduction for any year you make a contribution.
  • Deposits up to $250,000 are insured by the National Credit Union Administration.
  • With $50,000 in your IRA Savings*, you can open a Jumbo IRA Certificate.
Effective Date: July 28, 2023
Term Dividend Rate Annual Percentage Yield1
3 Months0.75%0.75%
6 Months1.49%1.50%
12 Months1.99%2.00%
18 Months2.03%2.05%
24 Months2.23%2.25%
36 Months2.48%2.50%
36 Months Step-Up2.38%2.40%
60 Months2.97%3.00%
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We offer certificates, available on business accounts:

  • Regular certificates are opened with a minimum of $500.

  • Jumbo certificates are opened with a minimum of $50,000.

  • Terms range from 3 months to 60 months.

  • Rates are subject to change at any time and vary based on your balance and term.

To open a certificate now, visit a local financial center or contact us.

Managing your money made easy.
Simplify money management with flexible checking features that fit your lifestyle.


Transaction limits apply.

Dividend Rates are accurate as of 7/28/2023. $500.00 minimum balance required to earn the APY. Fees and withdrawals may reduce earnings on account. Subject to penalty for early withdrawal.