Caro
Verified Information
NCUA Insured
Member-Owned
1 charter
Established in 1967
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Columbia, SC may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1967
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Columbia and serves members in the SC area. Currently serving 7,067 members.
Membership Info:
Contact the credit union to confirm membership eligibility requirements for your area.
Note on Membership
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Financial Health
Q4 2025 · NCUAKey indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Loan Rates
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
7.95%Used Auto Loan
7.95%Personal Loan
15.25%Credit Card APR
10.99%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Best Rates in SC
Lowest rates currently reported by credit unions in SC (NCUA Q4 2025).
Florence, SC
Fort Mill, SC
Rock Hill, SC
Florence, SC
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(4 total)
Member Reviews
3.9
81 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Brenda Isaac
6 months ago
I've been a member of Caro Federal Credit Union for 9 years. Thank you Gwen Rivers, Renee Suber-Kinard, and Monica Bligen, Sales and Service Manager. Monica provides professional top tier customer service, she's knowledgeable, and handles any and all of my financial priorities. She's always just a phone call away to assist with loans, auto loans, and saving money. She's prompt and eager to assist me in making sure my financial goals are met. Thank you! Caro Federal Credit Union.
Johnny Utah
8 months ago
Complete lack of competence. Inability to make customer accommodation or to effectively communicate with customer. Unfortunately the admins land their client facing personnel stuck in the middle between their own admin failure and increasingly irritated clients
John Lambert
2 months ago
Outdated online banking (even after recent "upgrade), poor customer service, no Zelle, terrible mobile app, forced "overdraft protection", overall terrible banking experience.
Jruthw
a year ago
USELESS!! I applied for a $1000 loan against my car (it's currently worth $8000) to get me through the next 3 weeks when I get paid at my new job. I could wait until I get paid, but I wanted to do the right thing and not be late with my bills. I sent Caro my offer letter for my job, so they know how much I'm making, etc. First of all, it took them A LOT longer than 3 days to get back to me. Then they said I could get the loan once I get my first check from my job. What???? How does that help me???? This bank is useless. If you need a loan, ask a stranger--you would have better luck. Oh, and my co-pay for my insulin is $75. Wish me luck going the next 3 weeks without any insulin as I am a Type 1 diabetic. I don't know who is in charge at Caro, but Danielle Moore is COMPLETELY INCOMPETENT.
Alicia Bervine (Just Ally)
a year ago
Working with Monica at CARO Federal Credit Union has been life changing. She really helped me get my financial goals together and help put me on a path to real savings. I will be forever grateful!
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(803) 227-5555Website
Visit WebsiteMembers
7,067
Total Assets
$125.8M
Year Opened
1967
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile