Columbia, South Carolina (SC) Savings Rates - March 2026
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Editorial Disclosure
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 Columbia, South Carolina and the surrounding area include PNC BankPNC Bank6130 Columbia Crossing Cir, Columbia, MD 21045A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Founders Federal Credit UnionFounders Federal Credit Union1400 Greene St Rm 227U, Columbia, SC 29225A+5.0 ★Texas Ratio: 4.65% Variable Rate IRA Savings at 2.53% APY, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union110 Outlet Pointe Blvd, Columbia, SC 29210A+5.0 ★Texas Ratio: 4.17% Trust Savings at 2.02% APY, Palmetto Citizens Federal Credit UnionPalmetto Citizens Federal Credit Union1320 Washington St, Columbia, SC 29201 3382A+5.0 ★Texas Ratio: 4.17% Health Savings Account at 0.95% APY, and First HorizonFirst Horizon200 W 7th St, Columbia, TN 38401A+5.0 ★Texas Ratio: 5.08% TotalView Money Market Savings at 0.75% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Columbia, 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 Columbia, South Carolina (SC) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Columbia, South Carolina and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Columbia, South Carolina & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
6130 Columbia Crossing Cir, Columbia, MD 21045
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1400 Greene St Rm 227U, Columbia, SC 29225
Variable Rate IRA Savings
2.53%
$500
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC 29210
Trust Savings
2.02%
$100
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC 29210
Estate Savings
2.02%
$5
▼
Rate2.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1320 Washington St, Columbia, SC 29201 3382
Health Savings Account
0.95%
$0
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 W 7th St, Columbia, TN 38401
TotalView Money Market Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 W 7th St, Columbia, TN 38401
TotalView Money Market Savings
0.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 W 7th St, Columbia, TN 38401
TotalView Money Market Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC 29201 3620
IRA Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC 29210
Vacation Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC 29210
IRA Savings
0.25%
$50
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC 29210
Health Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1320 Washington St, Columbia, SC 29201 3382
Prime Share (Savings)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1320 Washington St, Columbia, SC 29201 3382
IRA Share Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1320 Washington St, Columbia, SC 29201 3382
Health Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 W 7th St, Columbia, TN 38401
Traditional Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
SOUTH CAROLINA NATIONAL GUARD
Institution Rating:
D3.1 ★Texas Ratio: 37.47%
1225 Bluff Rd, Columbia, SC 29201
Share (Savings)
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC 29201 3620
Youth Savings
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC 29201 3620
Secondary Savings
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC 29201 3620
Regular Savings, Secondary Savings, Youth Savings*
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
595 Saint Andrews Rd, Columbia, SC 29210 4516
Flexible Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
595 Saint Andrews Rd, Columbia, SC 29210 4516
Coverdell Education Savings
0.15%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 W 7th St, Columbia, TN 38401
Money Market Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC 29201 3620
Regular Savings
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
595 Saint Andrews Rd, Columbia, SC 29210 4516
Health Savings Account (HSA)
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 W 7th St, Columbia, TN 38401
Money Market Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1400 Greene St Rm 227U, Columbia, SC 29225
SmartStart Savings
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 26, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1400 Greene St Rm 227U, Columbia, SC 29225
Regular Savings Account
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 26, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1400 Greene St Rm 227U, Columbia, SC 29225
Christmas Club/Other Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
595 Saint Andrews Rd, Columbia, SC 29210 4516
Regular Shares Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
595 Saint Andrews Rd, Columbia, SC 29210 4516
Regular Savings
0.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
930 Assembly St, Columbia, SC 29201
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
SAFE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
595 Saint Andrews Rd, Columbia, SC 29210 4516
Health Savings Account (HSA)
0.05%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC 29210
Prime Share Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC 29210
Special Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
930 Assembly St, Columbia, SC 29201
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
6130 Columbia Crossing Cir, Columbia, MD 21045
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%
6130 Columbia Crossing Cir, Columbia, MD 21045
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
930 Assembly St, Columbia, SC 29201
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
930 Assembly St, Columbia, SC 29201
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
930 Assembly St, Columbia, SC 29201
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
225 W Blackstock Rd, Spartanburg, SC 29301
High Dividend Share Draft
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $25,000.00
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—
UpdatedMar 24, 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—
UpdatedMar 27, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
677 King Street, Charleston, SC 29403
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.
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 22, 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—
UpdatedMar 28, 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
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
677 King Street, Charleston, SC 29403
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.
First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1229 W Floyd Baker Blvd, Gaffney, SC 29341
Statement Savings
1.77%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
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MonitorBankRates
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.
Columbia, SC Savings Rate Trends
Compare local Columbia, SC savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — SC Avg
0.233%
▼ 1.031 from last week
South Carolina high-yield savings rates fell 1.031 points this week to 0.233% APY, down from 1.264% last week.
Standard Savings — SC Avg
0.510%
▼ 1.282 from last week
South Carolina standard savings rates fell 1.282 points this week to 0.510% APY, down from 1.792% last week.
As of Mar 29, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Columbia, 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 Columbia, 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 Columbia, 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 Columbia, 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 Columbia, 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 Columbia, 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 Columbia, South Carolina?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Columbia, South Carolina offer in-person customer service, which some customers prefer.
How do I open a savings account in Columbia, 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 Columbia, South Carolina
Here are recent savings rates observed in Columbia, South Carolina and the surrounding area:
- PNC Bank
PNC High Yield Savings® — 3.25% APY - Founders Federal Credit Union
Variable Rate IRA Savings — 2.53% APY - Carolinas Telco Federal Credit Union
Trust Savings — 2.02% APY - Palmetto Citizens Federal Credit Union
Health Savings Account — 0.95% APY - First Horizon
TotalView Money Market Savings — 0.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Columbia, South Carolina. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
