NCUA Insured
Member-Owned
2 charter
Established in 1964
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 →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1964
Low-Income Designated
Minority Depository Institution (MDI)
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Columbia and serves members in the SC area. Currently serving 9,382 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
6.79%Used Auto Loan
6.79%Personal Loan
9.99%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.
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.
5.0
174 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsSherry Wilson
a year ago
The Richland Location is AWESOME! No matter when I come into the credit union, I feel welcome. Everyone is eager to acknowledge me and everyone, assist with your banking needs, all the while ensuring the line ( if any ) moves timely. The team look, present and emulates what superb knowlege and customer service should look like. They assist one another if needed without even being ask. I've had and have the opportunity to have wonderful bank for about 24 or more years. These people really stand out to me. Super star = Janice Dinkins Ms. Mary Ms. Susan Ms. Joanne I may have missed a name. Thank you ladies for your welcoming attitude, eagerness to assist, super customer service, care, and compassion.
G.G.
a year ago
The employees at this branch go above and beyond to satisfy their members! They are all compassionate about their jobs. To name a few. Deek, Mrs. Dinkins, Erin and Darlene are exceptional employees! I have been a member since 2011. Services are very simple and never complicated or confusing! Keep up the good work!
Karen Goon-Johnson
3 years ago
I have been a member of this branch since the early 1980's. I continue to be 40 years later because they are that good. I use them for my banking but have gotten 2 low interest car loans from them as well as a home improvement loan. Have never had a problem.
Sharon OConnor
3 years ago
I live outside of the Columbia area but do my banking at the Richland Campus because the service is always a wonderful experience. The office greets you with a smile and is very courteous as if you were their first customer of the day.
Katherine Braxton
a year ago
I have been a very satisfied member of PHCU-Richland for 18 yrs.During that time I have used a few of their loan products and even introduced my son to this company.Customer service has been top notch and never wavered all these years.Thank you Mrs. Denkins,Ms.Mary,Ms.Chris,Ms.Alecia and Ms.Amber for your amazing customer service for all of these years.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(803) 978-2101Website
Visit WebsiteMembers
9,382
Total Assets
$87.2M
Year Opened
1964
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile