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Home Checking Accounts South Carolina Checking Seabrook, South Carolina iAdvertiser Disclosure
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Best Banks & Checking Accounts in Seabrook, South Carolina - May 2026

The best checking rates for Seabrook, South Carolina include Carolina Foothills Federal Credit UnionCarolina Foothills Federal Credit UnionA5.0 ★Texas Ratio: 8.30% Peak Performance Checking at 5.12% APY, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit UnionA+5.0 ★Texas Ratio: 4.17% Rewards Checking at 1.76% APY, State Department Federal Credit UnionState Department Federal Credit UnionA+5.0 ★Texas Ratio: 4.53% Privilege Checking at 0.80% APY, Palmetto First Federal Credit UnionPalmetto First Federal Credit UnionA+5.0 ★Texas Ratio: 5.97% Palmetto Checking Account at 0.75% APY, and First Piedmont Federal S&L of GaffneyFirst Piedmont Federal S&L of GaffneyA+5.0 ★Texas Ratio: 1.46% Checking - NOW at 0.75% APY. Checking account rates as of May 15, 2026 according to verified data from MonitorBankRates.

Seabrook is a smaller community with no bank or credit union branches currently in our database. 25 institutions serving the South Carolina area are available to Seabrook residents, with checking rates as high as 5.12% APY from Carolina Foothills Federal Credit Union. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Seabrook, South Carolina. Checking Account Rates Last Updated and Verified: May 15, 2026

Compare Checking Account Rates Today in Seabrook, South Carolina & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Peak Performance Checking
5.12%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

Qualifying balance up to $15,000.00

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Rewards Checking
1.76%
$0
Rate1.75%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

Qualifying balance up to $15,000.00

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Privilege Checking
0.80%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

No additional details provided.

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Palmetto Checking Account
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Advantage Checking
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

No additional details provided.

First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Checking - NOW
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMay 3, 2026
Details

No additional details provided.

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Palmetto Checking Account
0.70%
$0
Rate0.70%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Security Federal Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
Premium/High Yield Checking
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

Security Federal Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
Premium/High Yield Checking
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
E-Checking
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Dividend Checking
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Premier Checking
0.25%
$10,000
Rate0.25%
Min Deposit$10,000
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Security Federal Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
Premium/High Yield Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

FNB of South Carolina
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
Priority One Checking
0.25%
$50
Rate0.25%
Min Deposit$50
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

No additional details provided.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Dividend Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
E-Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Dividend Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

No additional details provided.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
E-Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Peak Performance Checking
5.12%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

Qualifying balance up to $15,000.00

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Rewards Checking
1.76%
$0
Rate1.75%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

Qualifying balance up to $15,000.00

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Advantage Checking
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

No additional details provided.

Security Federal Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
Premium/High Yield Checking
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

Security Federal Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
Premium/High Yield Checking
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

Security Federal Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
Premium/High Yield Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

No additional details provided.

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Interest Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

No additional details provided.

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Interest Checking
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Interest Checking
0.10%
$1,000
Rate0.10%
Min Deposit$1,000
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

No additional details provided.

Security Federal Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
Premium/High Yield Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

No additional details provided.

Santee Cooper Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Prime Plus Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 2, 2026
Details

No additional details provided.

CPM Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Checking Plus
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Checking Plus
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Rewards Checking
1.76%
$0
Rate1.75%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

Qualifying balance up to $15,000.00

Movement Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 15, 2026
Details

No additional details provided.

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Kasasa Cash Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Freedom 55 Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Everyday Checking Account
0.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Teen Checking (Ages 13 - 17)
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Interest Checking Business
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Interest Checking Business
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Platinum Business Checking Business
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Classic Business Checking Business
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Countybank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Free Business Interest Checking Business
0.01%
$100
Rate0.01%
Min Deposit$100
Min Balance
UpdatedMay 15, 2026
Details

No additional details provided.

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Free Business Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Seabrook, SC Checking Rate Trends

Compare local Seabrook, SC 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.

View Full South Carolina Checking Trends →
High-Yield Checking — SC Avg
1.226%
Unchanged vs 7 days ago

South Carolina high-yield checking rates currently average 1.226% APY.

Free Checking — SC Avg
1.023%
▲ 0.018 vs 7 days ago

South Carolina free checking rates rose 0.018 points over the past 7 days to 1.023% APY.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Seabrook, South Carolina checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Seabrook, 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 sourcing this data 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 Seabrook, 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 Seabrook, South Carolina earn interest?

Most traditional local checking accounts in Seabrook, South Carolina earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Seabrook, South Carolina FDIC insured?

Yes. Legitimate banks with branches in Seabrook, South Carolina are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Seabrook, South Carolina

Based on our current data, some of the highest checking account APYs available to residents of Seabrook, South Carolina include:
  • 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
  • Palmetto First Federal Credit Union
    Palmetto Checking Account — 0.75% APY
  • First Piedmont Federal S&L of Gaffney
    Checking - NOW — 0.75% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Seabrook, South Carolina. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 15, 2026