Best Checking Accounts & Rates in South Carolina - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for South Carolina include Carolina Foothills Federal Credit UnionCarolina Foothills Federal Credit Union520 N Church St, Spartanburg, SC 29303 3034A5.0 ★Texas Ratio: 8.30% Peak Performance Checking at 5.12% APY, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union110 Outlet Pointe Blvd, Columbia, SC 29210A+5.0 ★Texas Ratio: 4.17% Rewards Checking at 1.76% APY, State Department Federal Credit UnionState Department Federal Credit Union2009 Dyess Ave Bldg F, Charleston, SC 29405 2502A+5.0 ★Texas Ratio: 4.53% Privilege Checking at 0.80% APY, First Piedmont Federal S&L of GaffneyFirst Piedmont Federal S&L of Gaffney1229 W Floyd Baker Blvd, Gaffney, SC 29341A+5.0 ★Texas Ratio: 1.46% Checking - NOW at 0.75% APY, and Palmetto First Federal Credit UnionPalmetto First Federal Credit Union1722 Gregg Ave, Florence, SC 29501A+5.0 ★Texas Ratio: 5.97% Palmetto Checking Account at 0.75% APY. Checking account rates as of May 7, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across South Carolina side-by-side. South Carolina checking rates currently reach as high as 5.12% APY from Carolina Foothills Federal Credit Union at 520 N Church St, Spartanburg, SC, 29303 3034. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in South Carolina. Checking Account Rates Last Updated and Verified: May 7, 2026
Compare Checking Account Rates Today in South Carolina
Spartanburg, SC 29303 3034
Qualifying balance up to $15,000.00
Columbia, SC 29210
Qualifying balance up to $15,000.00
Charleston, SC 29405 2502
No additional details provided.
Gaffney, SC 29341
No additional details provided.
Charleston, SC 29405 2502
No additional details provided.
Florence, SC 29501
No additional details provided.
Florence, SC 29501
No additional details provided.
Aiken, SC 29801
No additional details provided.
Aiken, SC 29801
No additional details provided.
Greenville, SC 29615
No additional details provided.
Greenville, SC 29615
No additional details provided.
Timmonsville, SC 29161
No additional details provided.
Aiken, SC 29801
No additional details provided.
Holly Hill, SC 29059
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Greenville, SC 29615
No additional details provided.
Greenville, SC 29615
No additional details provided.
Greenville, SC 29615
No additional details provided.
Greenville, SC 29615
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Spartanburg, SC 29303 3034
Qualifying balance up to $15,000.00
Columbia, SC 29210
Qualifying balance up to $15,000.00
Charleston, SC 29405 2502
No additional details provided.
Aiken, SC 29801
No additional details provided.
Aiken, SC 29801
No additional details provided.
Aiken, SC 29801
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Mount Pleasant, SC 29466
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Mount Pleasant, SC 29466
No additional details provided.
Timmonsville, SC 29161
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Aiken, SC 29801
No additional details provided.
Columbia, SC 29201 3382
No additional details provided.
Moncks Corner, SC 29461
No additional details provided.
North Charleston, SC 29405
No additional details provided.
Anderson, SC 29625
No additional details provided.
Columbia, SC 29210
Qualifying balance up to $15,000.00
Greenville, SC 29609
No additional details provided.
Anderson, SC 29625
No additional details provided.
Greenville, SC 29607 5346
No additional details provided.
Spartanburg, SC 29303 3034
No additional details provided.
Mount Pleasant, SC 29466
No additional details provided.
Mount Pleasant, SC 29466
No additional details provided.
Greenville, SC 29607 2761
No additional details provided.
Greenville, SC 29607 2761
No additional details provided.
Greenwood, SC 29646
No additional details provided.
Greenville, SC 29607 2761
No additional details provided.
South Carolina Checking Rate Trends
Compare local South Carolina checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
South Carolina high-yield checking rates fell 0.823 points over the past 7 days to 1.226% APY.
South Carolina free checking rates rose 0.231 points over the past 7 days to 1.006% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for South Carolina directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in South Carolina. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in SC.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in South Carolina earn interest?
Are banks in South Carolina FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in South Carolina
- Carolina Foothills Federal Credit Union
Peak Performance Checking — 5.12% APY - Carolinas Telco Federal Credit Union
Rewards Checking — 1.76% APY - State Department Federal Credit Union
Privilege Checking — 0.80% APY - First Piedmont Federal S&L of Gaffney
Checking - NOW — 0.75% APY - Palmetto First Federal Credit Union
Palmetto Checking Account — 0.75% APY
Checking Account Rates by City in South Carolina
