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SRP Federal Credit Union

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SRP Federal Credit Union Rates & Review October 2026

Q: How many branches does SRP Federal Credit Union operate?

SRP Federal 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 SRP Federal Credit Union?

Yes, to access services at SRP Federal 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SRP Federal 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: October 13, 2026

SRP Federal Credit Union's top rates as of October 13, 2026 are 4.25% APY on its 7-Month CD, 6.62% on its Adjustable Rate Mortgage (10/1), personal loans from 7.75% APR, and credit cards from 7.75% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of SRP Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.44%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.44%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

SRP Federal Credit Union
SRP Federal Credit Union

1070 Edgefield Rd
North Augusta, SC 29860

https://www.srpfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

SRP Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
7-Month Certificate	-	4.25%	7 months
Details Earn Up to 4.25% APY special offer on 7-Month Share Certificate Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

SRP Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Adjustable Rate Mortgage (10/1)	6.625%	-	8.285%	30 years
Details Loan Year: 1-10; Loan Amount: $300,000; Fixed for first 10 years, then adjusts annually; Rates reflect 0.25% discount; Payment example $1,920.93 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

SRP Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Vehicle (2024 or Newer)	-	-	4.99%	Up to 36 Months
Details As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Auto Loan - New Vehicle (2024 or Newer)	-	-	4.99%	37-48 Months
Details As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Auto Loan - New Vehicle (2024 or Newer)	-	-	4.99%	49-60 Months
Details As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Auto Loan - Used (2013-2019 Model)	-	-	4.99%
Details Model year 2019; As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Auto Loan - Used (2020-2023 Model)	-	-	4.99%	Up to 36 Months
Details As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
New Vehicle (2024 or Newer) Loan	-	-	4.99%	Up to 36 Months
Details As Low As; As of October 1, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Auto Loan - New Vehicle (2024 or Newer)	-	-	5.99%	61-72 Months
Details As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Auto Loan - Collectors Classic (25 Years or Older Model)	-	-	6.59%	Up to 36 Months
Details As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Auto Loan - New Vehicle (2024 or Newer)	-	-	6.99%	73-84 Months
Details As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Auto Loan - Collectors Classic (25 Years or Older Model)	-	-	7.59%	25 Years
Details Additional APR listed for this product: 9.09%. As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

SRP Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Rewards Card	-	7.75%
Details As low as; 1.99% intro APR for 12 months Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Visa Signature Card	-	7.75%
Details As low as; 1.99% intro APR for 12 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

SRP Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Visa Signature Card	7.75%
Details As low as; 1.99% intro APR for 12 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

SRP Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed Rate - 10 Years	7.00%	0.25%	7.567%	10 years
Details As of October 9, 2026; APR As Low As 7.567%; Interest Rate As Low As 7.000%; Discount points of .25% included; includes 1.00% loan origination fee; occupancy restriction applies; 780 FICO, 25% down payment assumed Last Updated 10/13/2026 Rate History 7 changes since Sep 14, 2026 · 7.18% → 7.57% ▲ 0.38 pts · high 7.82% / low 7.18% Oct 13, 20267.57%▼ from 7.82% Oct 9, 20267.82%▲ from 7.44% Oct 5, 20267.44%▼ from 7.69% Oct 2, 20267.69%▼ from 7.82% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Fixed Rate - 15 Years	6.75%	0.25%	7.15%	15 years
Details As of October 9, 2026; APR As Low As 7.15%; Interest Rate As Low As 6.750%; Discount points of .25% included; includes 1.00% loan origination fee; occupancy restriction applies; 780 FICO, 25% down payment assumed Last Updated 10/13/2026 Rate History 6 changes since Sep 14, 2026 · 6.64% → 7.15% ▲ 0.51 pts · high 7.41% / low 6.64% Oct 9, 20267.15%▲ from 7.02% Oct 5, 20267.02%▼ from 7.15% Oct 2, 20267.15%▼ from 7.41% Sep 29, 20267.41%▲ from 7.02% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Fixed Rate - 30 Years	7.375%	0.25%	7.632%	30 years
Details As of October 9, 2026; APR As Low As 7.632%; Interest Rate As Low As 7.375%; Discount points of .25% included; includes 1.00% loan origination fee; occupancy restriction applies; 780 FICO, 25% down payment assumed Last Updated 10/13/2026 Rate History 5 changes since Sep 14, 2026 · 7.12% → 7.63% ▲ 0.51 pts · high 7.63% / low 7.12% Oct 9, 20267.63%▲ from 7.51% Oct 5, 20267.51%▼ from 7.63% Oct 2, 20267.63%▲ from 7.51% Sep 29, 20267.51%▲ from 7.25% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Used (2020-2023 Model) Loan	-	-	4.99%	Up to 36 Months
Details As Low As; As of October 1, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.29% → 4.99% ▼ 0.30 pts · high 5.29% / low 4.99% Oct 5, 20264.99%▼ from 5.29% Sep 17, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

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

SRP Federal Credit Union’s Texas Ratio rose from 1.98% in Q3 2023 to 3.44% in Q2 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.

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

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
June 30, 2026	$2.1B	3.44%	5.0	A+
March 31, 2026	$2.1B	5.46%	5.0	A+
December 31, 2025	$2.1B	4.89%	5.0	A+
September 30, 2025	$2.0B	3.71%	5.0	A+
June 30, 2025	$2.0B	3.20%	5.0	A+
March 31, 2025	$2.0B	3.13%	5.0	A+
December 31, 2024	$1.9B	3.45%	5.0	A+
September 30, 2024	$1.8B	3.13%	5.0	A+
June 30, 2024	$1.8B	2.61%	5.0	A+
March 31, 2024	$1.8B	2.04%	5.0	A+
December 31, 2023	$1.7B	3.14%	5.0	A+
September 30, 2023	$1.7B	1.98%	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 SRP Federal 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 SRP Federal 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 SRP Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SRP Federal Credit Union

Website https://www.srpfcu.org

Address 1070 Edgefield Rd, North Augusta, SC 29860

Phone 803-278-4851

Fax 803-202-4399

President Sandra Devoe Bland

CEO Liz Ponder

Full-Time Employees 427

Part-Time Employees 33

Branch Locations 21

ATM Locations 20

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.44%

Return on Assets (ROA)

0.6687%

Return on Equity (ROE)

4.8488%

Non-Performing Loans Ratio (NPL)

0.74%

Total Assets

2,087,224,947

Total Amount of Shares and Deposits

1,773,557,716

Total Shares and Deposits < 1 Year

1,711,617,513

Total Shares and Deposits 1 3 Years

53,236,221

Total Shares and Deposits > 3 Years

8,703,982

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

86,465,540

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

86,465,540

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

1,687,092,176

Total Interest Expense (Sum of items 6 8)

9,414,345

Share Certificates

11,207

Number of Accounts for Share Drafts

120,706

IRA KEOGH Accounts

3,109

Number of Accounts for Regular Shares

225,066

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)

205,051,897

Total Liabilities

1,801,316,002

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

SRP Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/srp-federal-credit-union-rates-review-24410">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About SRP Federal Credit Union

How many branches does SRP Federal Credit Union operate?

SRP Federal 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 SRP Federal Credit Union?

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

Does SRP Federal Credit Union offer online and mobile banking?

Most modern institutions like SRP Federal 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.srpfcu.org.