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Mid Carolina Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The 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.
| ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Mid Carolina Credit Union's money market rates are at 2.22%. Mid Carolina Credit Union's Personal Loan Rates are as low as 9.90%. Mid Carolina Credit Union's Credit Card Rates are at 7.45%. MonitorBankRates evaluates the financial stability of Mid Carolina Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.79%. Rates last updated and verified on 09/21/2026.

Mid Carolina 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 Mid Carolina Credit Union? Share your experience about Mid Carolina Credit Union by leaving a review below, or read customer reviews before you decide to use Mid Carolina Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.79%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Mid Carolina Credit Union
Camden
1015 Mill St
Camden, SC 29020
https://www.midcarolinacu.com
Member NCUA

Mid Carolina Credit Union Money Market Rates

Product Rate APY View More
Money Market - Tier 3 3.00% 3.04%
Details $100,000 or greater
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
Money Market - Tier 2 2.20% 2.22%
Details $50,000 - $99,999
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%

Mid Carolina Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans - - 7.00%
Details 85% of appraisal minus 1st mortgage balance; Rate adjusts quarterly with Prime. Call (803)432-5299 for details
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%

Mid Carolina Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto New/Used (2024 - Present) - - 4.39%
Details for qualified borrowers financing up to 100% of sales price New Or NADA Retail Value Used; Rate Range 4.39% to 17.99%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
Auto Used (2023 - 2021) - - 6.14%
Details Up to 100% NADA Retail Value; Rate range 6.14% to 18.00%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
Auto Used (2020 - 2016) - - 6.39%
Details Up to 100% NADA Retail Value; Rate range 6.39% to 18.00%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%

Mid Carolina Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boats, Motors, & Trailers Loan - 7.00%
Details Up to 100% of Dealer Invoice; Rate range 7.00% to 18.00%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
Motor Homes and Campers Loan - 7.00%
Details Rate Range 7.00% to 18.00%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
Motorcycles Loan - 7.00%
Details New Motorcycles up to 100% of sales invoice; Used Motorcycles up to 100% NADA retail; Maximum 80% financing on Motorcycles classified as Sport Bikes; Rate range from 7.00% to 18.00%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%

Mid Carolina Credit Union Credit Card Rates

Product Rate APR View More
VISA CLASSIC - 7.45%
Details No Annual Fee; Spending Flexibility with Fraud Protection; Local Service at your nearest MCCU branch; Free Online Banking and Free Access to Fraud & Spend Tracking through card management tool within Mobile Banking; APR range: 7.45% - 18% APR
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
PLATINUM REWARDS Credit Card - 10.45%
Details More buying power with a low rate; No Annual Fee; Spending Flexibility with Fraud Protection; Local Service at your nearest MCCU branch; Free Online Banking and Free Access to Fraud & Spend Tracking through card management tool within Mobile Banking; Earn 1 point for every $1 spent (purchase only; no points for cash advance/balance transfer/PIN transaction); Minimum points required in order to redeem is 1,500 uChoose Rewards; APR range: 10.45% - 18% APR
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
Credit Cards - 10.95%
Details Intro rate expires: Visa Classic Card - as low as 10.95%; Regular APR: 10.95% to 17.45% (Rates based on prime as the index; rate can change monthly as the index changes.)
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
Credit Cards - 13.95%
Details Intro rate expires: Visa Platinum Rewards - as low as 13.95%; Regular APR: 10.95% to 17.45% (Rates based on prime as the index; rate can change monthly as the index changes.)
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%

Mid Carolina Credit Union Personal Loan Rates

Product APR Term View More
Personal Line of Credit 9.90%
Details Rate Range 9.90% to 18.00%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
Garden Tractors, Farm Equipment, and other Personal Property 12.95%
Details New: up to 100% of sales invoice; Used: a percentage of appraised value
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%

Mid Carolina Credit Union Other Rates

Product Rate Points APY/APR Term View More
Land Loan - - 7.00% 60 months
Details Up to 70% of appraised value or purchased price, the lesser of the two
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
Land Loan - - 7.50% 120 months
Details Up to 70% of appraised value or purchased price, the lesser of the two
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
Share Loans 4.00% - 4.00%
Details Up to 90% of the Account Balance
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
The Touchdown Loan - - 6.99%
Details Qualifications Required: Qualified borrowers; With rates as low as 6.99% APR for qualified borrowers, this personal loan is designed to help you move forward with confidence while keeping payments manageable.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.79%
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.
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Financial Health History

Mid Carolina Credit Union’s Texas Ratio rose from 1.88% in Q2 2023 to 2.79% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.3% 2.0★ 2.5% 3.0★ 3.8% 4.0★ 5% 5.0★ Healthy zone – entire history below the 15% limit 1.88% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 2.79% A+ Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$178M2.79%5.0A+
December 31, 2025$182M3.25%5.0A+
September 30, 2025$180M2.02%5.0A+
June 30, 2025$180M2.10%5.0A+
March 31, 2025$178M1.65%5.0A+
December 31, 2024$172M3.72%5.0A+
September 30, 2024$170M2.03%5.0A+
June 30, 2024$168M3.67%5.0A+
March 31, 2024$170M1.89%5.0A+
December 31, 2023$172M2.26%5.0A+
September 30, 2023$172M3.45%5.0A+
June 30, 2023$171M1.88%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Mid Carolina 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 Mid Carolina 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 Mid Carolina Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mid Carolina Credit Union
Website https://www.midcarolinacu.com
Address 1015 Mill St, Camden, SC 29020
Phone 803-432-8521
Fax 803-425-1936
President Dennis Arledge
CEO Dean Scarborough
Full-Time Employees 48
Part-Time Employees 5
Branch Locations 5
ATM Locations 3
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.79%
Return on Assets (ROA)
0.2826%
Return on Equity (ROE)
2.2051%
Non-Performing Loans Ratio (NPL)
0.63%
Total Assets
177,666,191
Total Amount of Shares and Deposits
157,611,762
Total Shares and Deposits < 1 Year
157,035,437
Total Shares and Deposits 1 3 Years
576,325
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,963,862
Total Uninsured Shares and Deposits > $250K (F+J)
4,963,862
Total Insured Shares and Deposits > $250K (item 17 less item K)
152,647,900
Total Interest Expense (Sum of items 6 8)
485,832
Share Certificates
102
Number of Accounts for Share Drafts
8,664
IRA KEOGH Accounts
285
Number of Accounts for Regular Shares
14,126
Money Market Shares
724
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)
15,555,972
Total Liabilities
156,796,303
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Mid Carolina 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Mid Carolina Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Mid Carolina Credit Union

How many branches does Mid Carolina Credit Union operate?

Mid Carolina 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 Mid Carolina Credit Union?

Yes, to access services at Mid Carolina 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, Mid Carolina 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, Mid Carolina Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Mid Carolina Credit Union offer online and mobile banking?

Most modern institutions like Mid Carolina 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.midcarolinacu.com.

Current Mid Carolina Credit Union Rates

  • MMA2.22%
Retrieved from our database of financial products. Rates subject to change.

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