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SPC Credit Union

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SPC Credit Union Rates & Review September 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: September 23, 2026

SPC Credit Union's Personal Loan Rates are as low as 9.00%. SPC Credit Union's Credit Card Rates are at 9.90%. 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 5.09%. Rates last updated and verified on 09/23/2026.

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 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.09%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

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	Term
Car Loan Special	-	-	3.90%	60 months
Details As Low As; Payment example: on a $35,000 auto at 3.9% APR for 60 months, your payment would be $643/month. Financing up to 84 months available for qualifying vehicles. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Car Loan Special	-	-	3.90%	72 months
Details As Low As; Payment example: On a $35,000 auto at 3.9% APR for 72 months, your monthly payment would be $546/ month. Financing up to 84 months available for qualifying vehicles. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

SPC Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicle Loan	-	5.99%
Details As Low As; OWN THE OUTDOORS Let SPC help you make the most of your free time with a Recreational Vehicle Loan! Whether you're eyeing your next bass boat, ready to make moves on a new motorcycle, or plan to take your camper across the country, we'd love to help you find a way to make it happen! Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

SPC Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	9.90%
Details Build While You Buy A Secured Card to (Re) Build Your Credit! Apply Now for the SPC Secured Credit Card! Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

SPC Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.00%
Details Personalized solutions for all of life's moments. Click here to access FREE member resources through Greenpath. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

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.

Financial Health History

SPC Credit Union’s Texas Ratio stayed near 4.92% in Q2 2023 to 5.09% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$266M	5.09%	5.0	A+
December 31, 2025	$254M	6.53%	5.0	A
September 30, 2025	$251M	7.32%	5.0	A
June 30, 2025	$247M	7.04%	5.0	A
March 31, 2025	$250M	6.44%	5.0	A
December 31, 2024	$240M	8.35%	5.0	A
September 30, 2024	$239M	6.88%	5.0	A
June 30, 2024	$242M	8.55%	5.0	A
March 31, 2024	$249M	7.28%	5.0	A
December 31, 2023	$239M	6.98%	5.0	A
September 30, 2023	$242M	5.45%	5.0	A+
June 30, 2023	$243M	4.92%	5.0	A+

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 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 Richard Cook

CEO Linda Weatherford

Full-Time Employees 77

Part-Time Employees 3

Branch Locations 7

ATM Locations 8

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.09%

Return on Assets (ROA)

0.2097%

Return on Equity (ROE)

1.8581%

Non-Performing Loans Ratio (NPL)

1.08%

Total Assets

266,167,413

Total Amount of Shares and Deposits

235,792,318

Total Shares and Deposits < 1 Year

220,760,838

Total Shares and Deposits 1 3 Years

14,719,381

Total Shares and Deposits > 3 Years

312,099

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

9,842,627

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

9,842,627

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

225,949,691

Total Interest Expense (Sum of items 6 8)

450,592

Share Certificates

908

Number of Accounts for Share Drafts

18,966

IRA KEOGH Accounts

368

Number of Accounts for Regular Shares

38,123

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

558,121

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)

48,717,902

Total Liabilities

238,413,378

Source: NCUA — Last Updated 03/31/2026

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.

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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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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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.