Take the first step down the road to a better financial future.
Welcome aboard!
Opening a Share Account establishes your membership in South Carolina Federal Credit Union.
What's next?
Open a checking account, apply for a loan, or make use of our many other financial services.
Competitive dividends
Once your balance tops $150, your money starts earning dividends.
24/7 convenience
Move money in and out of your account with Online and Mobile Banking.*

Ready to get started? We look forward to getting to know you.

Open a Share Account and you become a member of South Carolina Federal Credit Union, a local financial institution that focuses on friendly service and helping people reach their goals. You also start a savings journey that can lead to long-term security and prepare you for anything the future might hold.
  • $10 minimum opening deposit.
  • Easy online application.
Account Type Minimum Balance to Earn Dividends Dividend Rate Annual Percentage Yield1
Share Savings$150.00 0.10% 0.10%
Christmas Club$5.00 0.10% 0.10%
IRA Savings$100.00 0.20% 0.20%
asked questions
View more
You can open an account by visiting a financial cetner, calling (800) 845-0432, or online. Here are some things to keep in mind as you begin the application process:

It will take about 10 minutes to open and fund your new account. You will need:
  • A valid driver's license or government-issued photo ID
  • U.S. Social Security Number or ITIN
  • U.S. checking account or credit/debit card to fund the account (please refer to Rates and Fee Schedule for details).
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. 


Copies of cleared checks are available for up to seven years from the date they are posted to your account.

To obtain a check copy through Online Banking:

  • Log into your account.
  • Under the “Account Access” tab choose “View Transaction History."
  • If the check number appears in your transaction history, click on the blue hyperlinked check number; an image of the check will appear.
  • Checks are maintained through Online Banking six months after the cleared date.

Use our Secure Chat feature to complete your request:

  • Please log into Online Banking and click on the “Secure Chat” link for a live chat with one of our representatives.
If you wish to close your account, we ask that you visit a local financial center or contact us.

Please be advised, your account cannot be closed if you have an open credit card and/or loan with a balance. If the credit card and/or loan are paid in full, but still open, you will still need to sign documents to close those accounts.
Managing your money made easy.
Simplify money management with flexible checking features that fit your lifestyle.