Credit Cards · South Carolina
32 credit unions in South Carolina report credit card APRs to the NCUA. Rates range from 7.75% to 17.90%.
Updated Q1 2026 · NCUA Call Report data
32
CUs Reporting Rates
7.75%
Lowest Card APR
11.75%
State Average APR
23
Cities Covered
32 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | S C I Florence | 7.75% | 9.00% |
| 2 | TRU Greenwood | 7.99% | 16.25% |
| 3 | PEE DEE FLORENCE | 7.99% | 18.00% |
| 4 | ANMED Anderson | 8.90% | 10.88% |
| 5 | GREENVILLE HERITAGE Greenville | 8.95% | 16.95% |
| 6 | 1ST COOPERATIVE Cayce | 9.00% | 12.49% |
| 7 | SPC HARTSVILLE | 9.90% | 9.85% |
| 8 | MTC Greenville | 9.90% | 8.95% |
| 9 | CAROLINA FOOTHILLS Spartanburg | 9.90% | 10.90% |
| 10 | MID CAROLINA Lugoff | 9.90% | 9.52% |
| 11 | NEIGHBORS UNITED Greenwood | 9.99% | 10.72% |
| 12 | GEORGETOWN KRAFT Georgetown | 10.50% | 18.00% |
| 13 | S. C. STATE Columbia | 10.90% | 14.95% |
| 14 | HOPESOUTH Abbeville | 11.00% | 14.75% |
| 15 | SANTEE COOPER CREDIT UNION MONCKS CORNER | 11.26% | 12.14% |
| 16 | SRP NORTH AUGUSTA | 11.75% | 14.75% |
| 17 | SOUTH CAROLINA NATIONAL GUARD Columbia | 11.90% | 18.00% |
| 18 | CARO COLUMBIA | 11.95% | 15.25% |
| 19 | SECURED ADVANTAGE Simpsonville | 12.00% | 11.95% |
| 20 | CPM NORTH CHARLESTO | 12.08% | 13.01% |
| 21 | GREENVILLE Greenville | 12.33% | 12.90% |
| 22 | SAFE Sumter | 12.49% | 12.99% |
| 23 | NUCOR EMPLOYEE'S Florence | 12.50% | 18.00% |
| 24 | LATITUDE 32 CHARLESTON | 12.90% | 13.70% |
| 25 | CAROLINA TRUST MYRTLE BEACH | 13.25% | 10.50% |
| 26 | REV CHARLESTON | 13.40% | 17.75% |
| 27 | SPERO FINANCIAL Greenville | 14.59% | 12.72% |
| 28 | DIXIES DARLINGTON | 14.90% | 16.14% |
| 29 | SOUTH CAROLINA NORTH CHARLESTO | 15.74% | 12.00% |
| 30 | PALMETTO CITIZENS Columbia | 15.90% | 16.48% |
| 31 | FAMILY TRUST Rock Hill | 16.45% | 11.24% |
| 32 | FOUNDERS Lancaster | 17.90% | 18.00% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in South Carolina accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in South Carolina offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.