Highest Savings Rates in South Carolina
14 South Carolina-specific accounts
The South Carolina market
South Carolina accounts
14
Institutions
11
Top South Carolina APY
3.05% APY
Nationally: 5.00% APY
FDIC national average
0.37%
As of Sep 2026
14 savings accounts are open only to South Carolina residents, from 11 institutions. The highest advertised APY among them is 3.05%.
The highest nationally available rate is 5.00% APY, 195 basis points above the South Carolina leader.
6 of the 14 South Carolina savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
South Carolina-Specific Savings Accounts
These savings accounts are specifically available to South Carolina residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Movement Bank Movement Rewards Savings Up to3.05%APY On balances up to $50,000 · 1.00% above Observed: Oct 7, 2026 Show Details | +$305per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #2 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #3 | Show Details | +$235per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #4 | First Piedmont Federal Savings and Loan Association of Gaffney Statement Savings 1.77%APY Min. balance: $150 Observed: Oct 7, 2026 Show Details | +$177per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $150 | |
| #5 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #6 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #7 | Show Details | +$25per year | Features Low MinimumsIn-Person Access | $5 | |
| #8 | Show Details | +$25per year | We could not confirm: minimum deposit. Features No MinimumsIn-Person Access | N/A | |
| #9 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #10 | United Community Bank United Savings Up to0.15%APY Needs at least $2,500 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #11 | Show Details | +$4per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #12 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $25 | |
| #13 | Bank of America Advantage Relationship Banking Up to0.02%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #14 | TD Bank TD Signature Savings Up to2.50%APY Needs a linked account at the bank and at least $250,000 · 0.01% to 0.05% without the linked account Min. balance: $250,000 Observed: Oct 13, 2026 Show Details | +$1per yearEffective: 0.01% | Deposit Insurance FDIC InsuredRequires High MinimumLinked Account Features Great iOS AppGreat Android AppIn-Person Access | $0 |
Movement Bank
Movement Rewards Savings
On balances up to $50,000 · 1.00% above
What to Watch
The rate applies in a month when digital statements are active and the holder either has a Movement Rewards Checking account or keeps a minimum daily balance of $15,000 in this account; otherwise the entire balance earns a lower base rate. Balances above $50,000 earn lower rates in two further bands. One account per customer.
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| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9502) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Citibank
Citi Accelerate Savings
What to Watch
Eligibility restricted to select states.
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| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Deposit Insurance | FDIC Insured(Cert: 7213) |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. |
| Zelle® | SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher). |
| Mobile Ratings | |
| BBB Rating | D-(Not BBB Accredited) |
Rate Stability
Gateway First Bank
Gateway High Yield Savings
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| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Piedmont Federal Savings and Loan Association of Gaffney
Statement Savings
What to Watch
Two withdrawals each month are free. Each further withdrawal in the same month is charged $1.25.
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| Min. Deposit | $150 |
| Min. Balance | $150 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28859) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
Gateway First Bank
Personal Savings
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| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Anderson Brothers Bank
Regular Savings Account
What to Watch
A minimum balance of $100 is required to earn interest. A $6 service charge applies if the balance drops below $100 on any day in the quarterly statement cycle. A $2 charge applies to each withdrawal beyond four in a quarterly statement cycle.
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| Min. Deposit | $50 |
| Min. Balance | $100 |
| Maintenance Fee | A service charge of $6 applies if the minimum balance drops below $100 any day in the quarterly statement cycle. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9923) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
CAROLINA FOOTHILLS
Regular Share Savings
Needs at least $100
What to Watch
Variable rate. The dividend rate can change.
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| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
CAROLINA FOOTHILLS
Special Share Savings
Needs at least $100
What to Watch
Variable rate. The dividend rate can change.
We could not confirm: minimum deposit.
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| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Horizon Bank
Traditional Savings
What to Watch
The service charge is billed each quarter, not each month. It is refunded when the account is linked to a FirstView checking account, or when the daily balance stays at or above the stated minimum.
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| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $5 quarterly service charge if the daily balance falls below $250; refunded when linked to a FirstView checking account. |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4977) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
United Community Bank
United Savings
Needs at least $2,500
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| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16889) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of America
Advantage Savings
What to Watch
APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.
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| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $8 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
PNC
Standard Savings
Needs at least $2,500
What to Watch
APY may improve with a linked PNC account. Terms and conditions apply.
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| Min. Deposit | $25 |
| Min. Balance | $1 |
| Maintenance Fee | $0 / $5 (see bank for details) |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI |
| Deposit Insurance | FDIC Insured(Cert: 6384) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Bank of America
Advantage Relationship Banking
Needs at least $50,000
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| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
No movement is shown for an “Up to” rate.
TD Bank
TD Signature Savings
Needs a linked account at the bank and at least $250,000 · 0.01% to 0.05% without the linked account
What to Watch
Tiered savings account. Rates can vary by location and by eligibility for the relationship rate bump. The highest rate needs a linked eligible TD account and a balance of at least $250,000.
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| Min. Deposit | $0 |
| Min. Balance | $250,000 |
| Maintenance Fee | $15. Waived with a $10,000 minimum daily balance or a linked TD Beyond or TD Complete checking account. |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
| Deposit Insurance | FDIC Insured(Cert: 18409) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | Not Rated(Not BBB Accredited) |
Rate Stability
No movement is shown for an “Up to” rate.
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in South Carolina.
| Institution | Product / Term | APY |
|---|---|---|
| Axos Bank | Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate | Up to5.00% |
| GO2bank | High Yield Savingsfirst $5,000 only · needs a linked account at the bank | Up to4.50% |
| Elevault | High Yield Savings Account | 4.34% |
| Peak Bank | Envision High Yield Savingsup to $499,999.99 only | 4.27% |
| Betterment | Cash Reservepromotional rate | Up to4.25% |
| Neighbors Bank | Neighbors Savings Account | 4.25% |
| Pibank | Pibank Savings | 4.25% |
| EverBank | Performance Savings | 4.20% |