Charleston, South Carolina (SC) Savings Rates - April 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Charleston, South Carolina and the surrounding area include The Huntington National BankThe Huntington National Bank219 Leon Sullivan Way, Charleston, WV 25301A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 3.55% APY, PNC BankPNC Bank100 Calhoun St, Charleston, SC 29401A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Beacon Community BankBeacon Community Bank20 Fairchild St, Charleston, SC 29492A+5.0 ★Texas Ratio: 0.00% Business Savings at 0.55% APY, State Department Federal Credit UnionState Department Federal Credit Union2009 Dyess Ave Bldg F, Charleston, SC 29405 2502A+5.0 ★Texas Ratio: 4.53% IRA Share at 0.50% APY, and Latitude 32 Federal Credit UnionLatitude 32 Federal Credit Union1845 Sam Rittenberg Blvd, Charleston, SC 29407A+5.0 ★Texas Ratio: 1.69% Individual Retirement Share Accounts at 0.30% APY. Savings rates as of April 4, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Charleston, South Carolina, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Charleston, South Carolina (SC) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Charleston, South Carolina and the surrounding area. Last Updated and Verified: April 4, 2026
Compare the Best Savings Rates in Charleston, South Carolina & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
219 Leon Sullivan Way, Charleston, WV 25301
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
100 Calhoun St, Charleston, SC 29401
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
219 Leon Sullivan Way, Charleston, WV 25301
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20 Fairchild St, Charleston, SC 29492
Business Savings
0.55%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
All Balance Tiers
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20 Fairchild St, Charleston, SC 29492
Savings
0.55%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
All Balances
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
IRA Share
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
Individual Retirement Share Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Bank of South Carolina
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
256 Meeting St, Charleston, SC 29401
Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
Roth IRA Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
Traditional IRA Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
Share Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2009 Dyess Ave Bldg F, Charleston, SC 29405 2502
Custom Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1845 Sam Rittenberg Blvd, Charleston, SC 29407
Share Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
Holiday Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
Primary Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
Extra Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
Custodial Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
16 Broad St, Charleston, SC 29401
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
100 Calhoun St, Charleston, SC 29401
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
100 Calhoun St, Charleston, SC 29401
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
Custodial Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
Extra Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
Health Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
Holiday Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2030 Sam Rittenberg Blvd, Charleston, SC 29407
Primary Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
1522 Bushy Park Rd, Goose Creek, SC 29445
High Yield savings account
10.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Qualifying balance up to $1,000.00
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
225 W Blackstock Rd, Spartanburg, SC 29301
Personal Share Draft
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Qualifying balance up to $25,000.00
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
201 Bi Lo Blvd, Greenville, SC 29607 5346
High-Yield VIP Savings
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3621 Pelham Rd, Greenville, SC 29615
High Yield Savings Account
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Qualifications Required: $500+ in monthly deposits from sources outside Truliant; Primary account ownership of both the checking and savings accounts; 10+ withdrawals per month; Qualifying balance up to $25,000.00
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
1955 Sharonview Way, Indian Land, SC 29707
High-Yield Savings Account
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3621 Pelham Rd, Greenville, SC 29615
High Yield Rewards Savings
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $25,000
Movement Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
9726 Old Bailes Rd, Fort Mill, SC 29707
Movement Rewards Savings
3.05%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details
Qualifications Required: Have an open Movement Rewards Checking Account or; Minimum daily balance of $15,000 in the Movement Rewards Savings account; Digital statements must be activated; Qualifying balance up to $50,000.00
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
IRA PayBack Savings Account1
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
Payback Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
PayBack Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
Variable Rate IRA Savings
2.53%
$500
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
Traditional IRA Share Account
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
Coverdell ESA IRA Share Account
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
Roth IRA Share Account
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
PayBack Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
IRA PayBack Savings Account1
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
Estate Savings
2.02%
$5
▼
Rate2.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Greenville, SC 29607
Trust Savings
2.02%
$100
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
IRA Share
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC 29505 2828
Prime Share Account
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$5,000.00 and above Quarterly Minimum Balance
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2A The Pkwy, Greenville, SC 29615
IRA Savings
1.26%
$250
▼
Rate1.25%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
over $250
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3621 Pelham Rd, Greenville, SC 29615
IRA Savings
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
IRA PayBack Savings Account (Traditional)1
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
PayBack Savings Account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
Health Savings Account
1.20%
$0
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U, Greenville, SC 29607 2761
IRA Share
1.20%
$0
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
215 N Pine St, Spartanburg, SC 29302
TotalView Money Market Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Charleston, South Carolina directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Charleston, South Carolina. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in SC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Charleston, South Carolina
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in South Carolina, help your money grow faster through a higher APY.
Are savings accounts in Charleston, South Carolina safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in South Carolina up to $250,000 per depositor, per institution.
How often do savings rates change in Charleston, South Carolina?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local South Carolina rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Charleston, South Carolina may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Charleston, South Carolina?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Charleston, South Carolina offer in-person customer service, which some customers prefer.
How do I open a savings account in Charleston, South Carolina?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Charleston, South Carolina
Here are recent savings rates observed in Charleston, South Carolina and the surrounding area:
- The Huntington National Bank
High-Yield Savings — 3.55% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Beacon Community Bank
Business Savings — 0.55% APY - State Department Federal Credit Union
IRA Share — 0.50% APY - Latitude 32 Federal Credit Union
Individual Retirement Share Accounts — 0.30% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Charleston, South Carolina. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 4, 2026
Charleston, South Carolina Rates & Resources
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