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Rates & Fees
Deposit Rates

 

Type Features Dividend
Rate
APY
Savings - Tier 1 $0 - $5,000 0.05% 0.05%
Savings - Tier 2 $5,001 - $10,000 0.10% 0.10%
Savings - Tier 3 $10,001 - $50,000 0.15% 0.15%
Savings - Tier 4 $50,000 Or Greater 0.25% 0.25%
Christmas Club Minimum Opening Deposit $25   0.00%
IRA ($1000 or more) Minimum Opening Deposit $100 1.00% 1.00%
Certificate - 6 Months

Minimum Balance of $1000
Penalty for Early Withdrawal

Minimum Balance of $50,000

0.35%

Jumbo 0.35%

0.35%

0.35%

Certificate - 12 Months

Minimum Balance of $1000
Penalty for Early Withdrawal

Minimum Balance of $50,000

0.65%

Jumbo 0.65%

0.65%

0.65%

Certificate - 18 Month

Minimum Balance of $1000
Penalty for Early Withdrawal

Minimum Balance of $50,000

0.75%

Jumbo 0.75%

0.75%

0.75%

Certificate - 24 Months

Minimum Balance of $1000
Penalty for Early Withdrawal

Minimum Balance of $50,000

1.25%

Jumbo 1.40%

1.25%

1.41%

Certificate - 36 Months

Minimum Balance of $1000
Penalty for Early Withdrawal

Minimum Balance of $50,000

1.35%

Jumbo 1.50%

1.35%

1.51%

 Certificate - 48 Months

Minimum Balance of $1000
Penalty for Early Withdrawal

Minimum Balance of $50,000

1.45%

Jumbo 1.60% 

1.47%

1.62% 
 Certificate - 60 Months

 Minimum Balance of $1000
Penalty for Early Withdrawal

Minimum Balance of $50,000

1.55%

Jumbo 1.70% 

1.57%

1.72% 

 Certificate Step-Up Option

This option is available on any fixed rate certificate. If the rate goes up, you may step-up your initial rate to the new and better rate without extending the certificate's original maturity date one time during the life of the certificate.


*Dividend rates are subject to change at any time.
 
Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the principal in your account each day.

Rates effective as of: August 1, 2016




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719 Highway 1 South, Lugoff, SC 29078
803-432-8521 or 1-800-433-5226
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