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SPC Credit Union

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SPC Credit Union Rates & Review August 2026

Q: How many branches does SPC Credit Union operate?

SPC Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join SPC Credit Union?

Yes, to access services at SPC Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, SPC Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SPC Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

SPC Credit Union's Personal Loan Rates are at 9.00%. MonitorBankRates evaluates the financial stability of SPC Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.32%. Rates last updated and verified on 08/29/2026.

SPC Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SPC Credit Union? Share your experience about SPC Credit Union by leaving a review below, or read customer reviews before you decide to use SPC Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.32%

Excellent Higher than avg

SPC Credit Union
Main Office

204 N 5th St
Hartsville, SC 29550 4136

https://www.spccu.org

SPC Credit Union Auto Loan Rates

Product	Rate	Points	APR
Vehicle Loan	-	-	3.90%
Details As Low As; Financing up to 84 months available for qualifying vehicles. Other discounts and promotions do not apply. Actual rates may vary based on creditworthiness and other factors. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
New Auto Loan	-	-	3.90%
Details Rates starting at Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

SPC Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	9.90%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

SPC Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	9.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SPC Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather SPC Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SPC Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SPC Credit Union

Website https://www.spccu.org

Address 204 N 5th St, Hartsville, SC 29550 4136

Phone 843-383-0090

Fax 843-332-0244

President Julian Walters Jr

CEO Linda Weatherford

Full-Time Employees 77

Part-Time Employees 3

Branch Locations 8

ATM Locations 10

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.32%

Return on Assets (ROA)

0.5558%

Return on Equity (ROE)

4.8313%

Non-Performing Loans Ratio (NPL)

1.45%

Total Assets

250,886,958

Total Amount of Shares and Deposits

222,715,211

Total Shares and Deposits < 1 Year

215,169,481

Total Shares and Deposits 1 3 Years

7,504,961

Total Shares and Deposits > 3 Years

40,769

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,771,525

Total Uninsured Shares and Deposits > $250K (F+J)

8,771,525

Total Insured Shares and Deposits > $250K (item 17 less item K)

213,943,686

Total Interest Expense (Sum of items 6 8)

1,243,685

Share Certificates

794

Number of Accounts for Share Drafts

18,671

IRA KEOGH Accounts

377

Number of Accounts for Regular Shares

37,423

Net Income (unless the amount is already included in Undivided Earnings)

1,394,536

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

30,129,827

Total Liabilities

225,403,119

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

SPC Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About SPC Credit Union

How many branches does SPC Credit Union operate?

SPC Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join SPC Credit Union?

Yes, to access services at SPC Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, SPC Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SPC Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does SPC Credit Union offer online and mobile banking?

Most modern institutions like SPC Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.spccu.org.