Share Certificate Accounts | High Rates

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.

View Share Certificate rates.

Effective Date: December 24, 2024

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 24, 2024

Term	Dividend Rate	Annual Percentage Yield¹
60 Month Premium ($500 Minimum Balance)	4.03%	4.10%

See what it will take to reach your savings goal.

Estimate your savings growth.

Open your Share Certificate.

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Frequently
asked questions

How do I open an account?

You can open an account by visiting a financial center, calling (800) 845-0432, or online.

To view Checking account options and learn more, click here.
To view Savings account options and learn more, click here.

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, click here.

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.

Where can I find my account number?

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:
You can also view your account number on your membership card that you received when you opened your account.

How do I sign up for Online and Mobile Banking?

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.

How do I sign up for eStatements?

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.

Learn More

$500 minimum balance required to earn the APY. Fees and withdrawals may reduce earnings on account. Subject to penalty for early withdrawal.

Rates are subject to change after account opening.

The insurance products available through South Carolina Financial Solutions, LLC, a licensed insurance agency doing business as South Carolina Federal Insurance Solutions, a wholly-owned subsidiary of South Carolina Federal Credit Union, are underwritten through and provided by insurance companies authorized, licensed, or enabled to provide coverages in the jurisdictions where such coverage is offered. South Carolina Federal Insurance Solutions acts only in the capacity of an agent or broker in obtaining such coverage. In all instances where a discrepancy might arise between informational, advertising, and/or marketing material and the actual policy issued by the insurance company, the terms and conditions contained within such policies will always take precedence. South Carolina Financial Solutions, LLC and South Carolina Federal Insurance Solutions™ do not offer tax or legal advice. Consult your tax or legal professional for advice.

Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. CUSO Financial Services, L.P. and its representatives do not provide tax advice. For such advice, please contact a tax professional. Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.