Personal Loans · South Carolina
46 credit unions in South Carolina report personal loan rates to the NCUA. Rates range from 8.95% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
46
CUs Reporting Rates
8.95%
Lowest Rate
13.58%
State Average Rate
29
Cities Covered
46 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | MTC Greenville | 8.95% | 9.90% |
| 2 | S C I Florence | 9.00% | 7.75% |
| 3 | MID CAROLINA Lugoff | 9.52% | 9.90% |
| 4 | SPC HARTSVILLE | 9.85% | 9.90% |
| 5 | CURIS FINANCIAL Columbia | 9.99% | — |
| 6 | PALMETTO FIRST Florence | 10.50% | — |
| 7 | CAROLINA TRUST MYRTLE BEACH | 10.50% | 13.25% |
| 8 | NEIGHBORS UNITED Greenwood | 10.72% | 9.99% |
| 9 | SHARONVIEW Fort Mill | 10.74% | — |
| 10 | ANMED Anderson | 10.88% | 8.90% |
| 11 | CAROLINA FOOTHILLS Spartanburg | 10.90% | 9.90% |
| 12 | FAMILY TRUST Rock Hill | 11.24% | 16.45% |
| 13 | TRINITY BAPTIST CHURCH Florence | 11.50% | — |
| 14 | SECURED ADVANTAGE Simpsonville | 11.95% | 12.00% |
| 15 | SOUTH CAROLINA NORTH CHARLESTO | 12.00% | 15.74% |
| 16 | SANTEE COOPER CREDIT UNION MONCKS CORNER | 12.14% | 11.26% |
| 17 | 1ST COOPERATIVE Cayce | 12.49% | 9.00% |
| 18 | SPERO FINANCIAL Greenville | 12.72% | 14.59% |
| 19 | GREENVILLE Greenville | 12.90% | 12.33% |
| 20 | UPSTATE Anderson | 12.92% | — |
| 21 | ALLSOUTH Columbia | 12.95% | — |
| 22 | SAFE Sumter | 12.99% | 12.49% |
| 23 | SOUTH CAROLINA METHODIST CONF COLUMBIA | 13.00% | — |
| 24 | BERKELEY COMMUNITY Moncks Corner | 13.00% | — |
| 25 | CPM NORTH CHARLESTO | 13.01% | 12.08% |
| 26 | LATITUDE 32 CHARLESTON | 13.70% | 12.90% |
| 27 | EMERALD CREDIT ASSOCIATION Greenwood | 14.74% | — |
| 28 | SRP NORTH AUGUSTA | 14.75% | 11.75% |
| 29 | HOPESOUTH Abbeville | 14.75% | 11.00% |
| 30 | SELF MEMORIAL HOSPITAL GREENWOOD | 14.93% | — |
| 31 | S. C. STATE Columbia | 14.95% | 10.90% |
| 32 | S. C. H. D. DIST #7 Orangeburg | 15.00% | — |
| 33 | COLUMBIA POST OFFICE COLUMBIA | 15.00% | — |
| 34 | EDISTO ORANGEBURG | 15.00% | — |
| 35 | CARO COLUMBIA | 15.25% | 11.95% |
| 36 | DIXIES DARLINGTON | 16.14% | 14.90% |
| 37 | TRU Greenwood | 16.25% | 7.99% |
| 38 | PALMETTO CITIZENS Columbia | 16.48% | 15.90% |
| 39 | BROOKLAND West Columbia | 16.51% | — |
| 40 | GREENVILLE HERITAGE Greenville | 16.95% | 8.95% |
| 41 | REV CHARLESTON | 17.75% | 13.40% |
| 42 | PEE DEE FLORENCE | 18.00% | 7.99% |
| 43 | SOUTH CAROLINA NATIONAL GUARD Columbia | 18.00% | 11.90% |
| 44 | GEORGETOWN KRAFT Georgetown | 18.00% | 10.50% |
| 45 | NUCOR EMPLOYEE'S Florence | 18.00% | 12.50% |
| 46 | FOUNDERS Lancaster | 18.00% | 17.90% |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.