South Carolina State Credit Union

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Competitive Rates


Earn and keep more with better rates.

  • Home Equity Loans

    We’ll pay your closing costs.

    For a limited time, SCU will pay all normal closing costs on new traditional home equity lines of credit. (No more than once every 24 months.)

    APR

    2.9% APR for one year. Traditional home equity lines of credit have a variable rate and max 18.00%, the Prime Rate plus 1% APR.

    Consult with your tax advisor about tax deductibility. As of 12/17/2015, the Prime Rate was 3.50%. Rates adjust quarterly if there is a change in the Prime Rate. Flood/property/hazard insurance may be required.

    Rates effective as of December 17, 2015.

  • Vehicle Loans

    Vehicle Loans

    • Vehicle TypeAPR
    • Vehicle Type:

      New Autos, Trucks, Vans

      APR:

      1.99% to 10.24%

    • Vehicle Type:

      New Boats, Motors, Trailers

      APR:

      4.20% to 13.45%

    • Vehicle Type:

      New RVs, Campers, Customized Vans, Motor Homes

      APR:

      4.20% to 13.45%

    • Vehicle Type:

      Used Autos, Trucks, Vans

      APR:

      2.99% to 11.49%

    • Vehicle Type:

      Used Boats, Motors, Trailers

      APR:

      5.20% to 14.45%

    • Vehicle Type:

      Used RVs, Campers, Customized Vans, Motor Homes

      APR:

      5.20% to 14.45%

    Apply Online

    Rates effective as of May 1, 2016
    Subject to term, credit worthiness, and member’s credit union relationship. APR’s of 1.99% and 2.99% are for a 36-month term or less.) Rates, conditions, and programs are subject to change without notice.

  • Personal Loan Rates

    Personal Loans

    • Loan TypeAPR
    • Loan Type:

      Savings Secured

      APR:

      Regular Savings rate +3%

    • Loan Type:

      Certificate Secured

      APR:

      Rate of certificate +3%, not to exceed 18.00% or be less than savings-secured loan rate

    • Loan Type:

      Secured for New Equipment (computers, furniture, appliances, etc.)

      Loan Type: APR

      8.35% to 16.35%

    • Loan Type:

      Secured for Used Equipment

      APR:

      9.35% to 17.35%

    • Loan Type:

      Personal Loans & Lines of Credit

      APR:

      10.44% to 17.94%

    • Loan Type:

      State Retirement Personal Loan

      APR:

      8.44% to 15.94%

    • Loan Type:

      Overdraft Line of Credit (with SCU checking account)

      APR:

      10.44% to 17.94%

    Apply Online

    Rates effective as of June 6, 2013
    Subject to term, credit worthiness, and member’s credit union relationship. APR’s of .99% and 1.99% are for a 36-month term or less.) Rates, conditions, and programs are subject to change without notice.

  • Visa Credit Card Rates

    Visa Credit Cards

    State Credit Union has one of the best credit card programs in the country. Featuring incredibly low rates, rewards points for every purchase, and no annual fee, we have something for every need.

    To view our great, low credit card rates, please see our Visa Credit Card page.

    View Rates

  • Real Estate Secured Loans

    Good for a first mortgage and its unimproved property. For rates, contact a SCU loan officer at 800-868-8740, ext. 8760.

For a printable version of our loan rates, click here (67KB PDF)

  • Certificates (including IRA)

    Certificates

    • TermDividend Rate Annual % Yield
    • Term:

      3+ months

      Dividend Rate:

      .20%

      Annual % Yield:

      .20%

    • Term:

      6+ months

      Dividend Rate:

      .25%

      Annual % Yield:

      .25%

    • Term:

      12+ months

      Dividend Rate:

      .40%

      Annual % Yield:

      .40%

    • Term:

      18+ months

      Dividend Rate:

      .60%

      Annual % Yield:

      .60%

    • Term:

      24+ months

      Dividend Rate:

      .70%

      Annual % Yield:

      .71%

    • Term:

      36+ months

      Dividend Rate:

      .90%

      Annual % Yield:

      .91%

    • Term:

      48+ months

      Dividend Rate:

      1.10%

      Annual % Yield:

      1.11%

    • Term:

      60+ months

      Dividend Rate:

      1.25%

      Annual % Yield:

      1.26%

    Rates effective as of May 30, 2016
    Minimum opening deposit is $500. Additional deposits of $250 or more may be made at any time. Dividends on regular certificates may be added to the certificate balance, automatically transferred to another account, or mailed to you. Dividends on IRA certificates will be added to the balance.

    For certificates with a term of less than 12+ months, dividends are credited and compounded at maturity. For certificates with a term of 12+ months or more, dividends are credit and compounded quarterly.

    Certificates with a term of less than 12+ months are not available for IRAs.

  • Youth Certificates

    Youth Certificates

    • TermDividend Rate Annual % Yield
    • Term:

      12 months

      Dividend Rate:

      .40%

      Annual % Yield:

      .40%

    Rates effective as of May 30, 2016
    Available to members 17 years of age and under. Minimum to open is $100. Additional deposits of $25 or more may be made any time.

    Dividends are credited and compounded quarterly.

  • Money Management Account

    Money Management Accounts

    • Deposit Amount Dividend Rate Annual % Yield
    • Deposit Amount:

      $0 to $999.99

      Dividend Rate:

      .10%

      Annual % Yield:

      .10%

    • Deposit Amount:

      $1,000 to $4,999.99

      Dividend Rate:

      .20%

      Annual % Yield:

      .20%

    • Deposit Amount:

      $5,000 to $9,999.99

      Dividend Rate:

      .30%

      Annual % Yield:

      .30%

    • Deposit Amount:

      $10,000 to $24,999.99

      Dividend Rate:

      .35%

      Annual % Yield:

      .35%

    • Deposit Amount:

      $25,000+

      Dividend Rate:

      .45%

      Annual % Yield:

      .45%

    Rates effective as of May 30, 2016
    Minimum opening deposit is $1,000. Dividends credited and compounded monthly.

  • Checking Accounts

    Checking Accounts

    • Account TypeDividend Rate Annual % Yield
    • Account Type:

      Relationship Checking

      Dividend Rate:

      .10% on balances over $2,500

      Annual % Yield:

      .10% on balances over $2,500

    • Account Type:

      Loyalty Checking

      Dividend Rate:

      .10% on balances over $2,500

      Annual % Yield:

      .10% on balances over $2,500

    • Account Type:

      First Checking

      Dividend Rate:

      .10% on balances over $2,500

      Annual % Yield:

      .10% on balances over $2,500

    • Account Type:

      Value Checking

      Dividend Rate:

      No dividends earned

      Annual % Yield:

      No dividends earned

    • Account Type:

      Club Checking

      Dividend Rate:

      .10% on balances over $2,500

      Annual % Yield:

      .10% on balances over $2,500

    • Account Type:

      DBA Non-Dividend

      Dividend Rate:

      No dividends earned

      Annual % Yield:

      No dividends earned

    • Account Type:

      DBA Dividend

      Dividend Rate:

      .10%

      Annual % Yield:

      .10%

    Rates effective as of April 1, 2014
    Minimum opening deposit for all checking accounts is $25.00. Accounts that include dividends credit and compound monthly.

  • Savings Accounts

    Savings Accounts

    • Account TypeDividend Rate Annual % Yield
    • Account Type:

      Regular Savings, Secondary Savings, Youth Savings*

      Dividend Rate:

      .15%

      Annual % Yield:

      .15%

    • Account Type:

      Holiday Club

      Dividend Rate:

      .15%

      Annual % Yield:

      .15%

    • Account Type:

      IRA Savings

      Dividend Rate:

      .30%

      Annual % Yield:

      .30%

    Rates effective as of January 11, 2016
    Minimum opening deposit for savings and holiday club accounts is $5.00. Accounts that include dividends credit and compound monthly.

    * Youth Savings acailable to members 17 years of age and younger.

For a printable version of our deposit rates, click here (47 KB PDF).