Given some time, we can lift your savings to new heights.
Set your schedule
Choose a Share Certificate savings period that fits with your future financial plans.
Choose a starting point
It takes only $500 to open a Share Certificate, but you can go way beyond that.
Lock into a rate
The dividend rate is locked in for the term, allowing you to project your eventual earnings.
Feel secure
Deposits up to $250,000 are insured by the National Credit Union Administration.
Higher earnings are worth the wait.
You don't need a complex strategy to grow your money - just a little patience. With our Share Certificates, you can choose a term that fits your needs, whether it's a few months, several years, or somewhere in between. When your term ends, you'll walk away with more than you started.
- Requires a minimum deposit of $500.
- Choose Share Certificates ranging from three months to five years.
- Our 36-month Step-Up option lets you move to a higher dividend rate should rates rise during your Certificate term.
- In general, longer term certificates pay even higher rates.
- Share Certificates earn higher yields than most standard savings accounts.
- Earn even higher rates with Jumbo Share Certificates when you have over $50,000 or more to invest.
Effective Date: December 30, 2025
| Term | Dividend Rate | Annual Percentage Yield1 |
|---|---|---|
| 3 Months | 1.49% | 1.50% |
| 6 Months | 1.83% | 1.85% |
| 12 Months | 2.23% | 2.25% |
| 18 Months | 2.28% | 2.30% |
| 24 Months | 2.47% | 2.50% |
| 36 Months | 2.72% | 2.75% |
| 36 Months Step-Up | 2.62% | 2.65% |
| 60 Months | 3.93% | 4.00% |
Effective Date: December 30, 2025
| Term | Dividend Rate | Annual Percentage Yield1 |
|---|---|---|
| 60 Month Premium ($500 Minimum Balance) | 4.03% | 4.10% |
Open your Share Certificate.
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:
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.
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.
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.
Yes!
Opening multiple savings accounts helps you stay organized and intentional with your money by separating funds for specific goals—like an emergency fund, holidays, or major purchases. This approach makes it easier to track progress, avoid spending money meant for other purposes, and be prepared for unexpected expenses without disrupting your budget or relying on debt. Multiple accounts can also support healthier saving habits and greater financial peace of mind. It's easy to nickname them inside Online BankingAll 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..
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.
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* can help you whether you are 25 or 65.