Save more. Earn more.

Start earning higher dividends with certificates

Earn 4.50% on a 15-month savings certificate

This limited-time offer will pay a 4.50% dividend on savings certificates. You choose how much you want to save, up to a maximum of $250,000.

Term: 15 months
Dividend: 4.50% APY*
Compounded: Quarterly
Minimum deposit: $1,000

*Annual Percentage Yield
This is a limited time offer with a maximum deposit of $250,000.

You can earn higher dividends by opening a savings certificate, also known as a certificate of deposit. Minimum balances are based on the term of your certificate investment. Review details of all certificates.

To get started, complete the Open a Savings Certificate form, then fund your certificate, and we’ll take it from there. If you have further questions, you can call us at 803-796-0234.

Deposits insured up to $250,000 per member.

contact us

Email us if you have questions.


803-796-0234 M-F, 8:30 a.m. – 5 p.m.

His story

After every big-name bank he could think of said “no,” Mitch suggested son Bailey ask the folks at 1st Cooperative for a loan to buy his first truck and build a good credit history. Bailey got his loan. Soon, his dad needed a new truck, too. Within two hours on a Friday afternoon, Mitch was pulling out of the dealership. “I think they’ve got superpowers,” said Mitch. “They are a true blessing from God.”

We feel blessed to have such members.

These instructions apply only for your first time logging on to our new Online Banking system after September 2.

If you are an existing Online Banking user, here’s how to log on to our new Online Banking system:

  • Your temporary Logon ID (username) is the member number for the Primary Member on the account.
    • You must enter leading zeroes to make it 6 digits.
    • Examples: If your current member number is 1234, you would enter 001234. For the member number 12, you would enter 000012.
  • Your temporary Security Code (password) is the last 4 digits of the Primary Account holder’s Social Security number.
    • Example: 9876

You will be prompted to change your Logon ID and Security Code. Once these are changed, you will use your NEW Logon ID and Security Code the next time you log on to Online Banking.

Click here to proceed to Online Banking logon »