Back to North Charlesto credit unions

South Carolina

PO BOX 190012, North Charlesto, SC 29419
NCUA Insured4.7 (435 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 190012

North Charlesto, SC 29419

Service Area

This credit union is located in North Charlesto and serves members in the SC area. Currently serving 155,333 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 · NCUA

Key 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

5.24%

Used Auto Loan

5.74%

Personal Loan

12.00%

Credit Card APR

15.99%

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).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(33 total)

Member Reviews

4.7

435 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
A Rich

A Rich

5 months ago

Financial Sales Representative, Shaye Lara provided exemplary customer service while assisting me with a recent auto purchase. From the pre-qualifying process to the final sale, she consistently demonstrated professionalism, effective and timely communication, a calm attitude, and a thorough knowledge of the process. It was a pleasure working with her.

Moses Figueroa

Moses Figueroa

4 months ago

Stick around for the entire message, for it won't make sense to anyone dumb enough to trust this bank. I have had this bank for 5 years, I never had a single problem, until today. This bank will outrightly to your face, tell you, that if they steal from you, and you don't notice it, that you will be charged every 3 or 5 days $5 or more in my case ($8). So this bank behind my back, stole from ME $8 while I was once again transitioning from homelessness into a home right??. I expected no money for some time I'm seeking work. The only family I have alive sent me a Christmas thing on cash app, and I was going to use it for food, because for some reason food pantries serve everything but meat, which people need more than canned saltless beans. It turns out I was in the negative by almost $50 something dollars, and I was shocked to see that. So I called them on my behalf wondering why they would do this to me, because they quite literally stole money from me where there was none!!! And their fake yet "wonderful" staff told me that I now owe THEM money for the surcharges, after THEY stole from me!! I'm getting a new bank pronto. My fellow Americans, please abandon this bank. They are thieves and liars, and I just cant believe I had to type this all for you to be safe from this shady business. Please take care, and shame upon you South Carolina Federal Credit Union. You are all marked by the beast, there is no gates for you to pass through when you all die slowly in your greedy ways. The devil loves his servants after all.

Randy Branagan

Randy Branagan

5 months ago

Shaye Lara at rivers ave is very good and helpful. She is hard working lady and nice person. She is there for here customers and very helpful to all. Thanks Randy B

chrisb curie

chrisb curie

7 months ago

Absolutely awful experience banking with SCFCU. Their support agents are never helpful, and supervisors are condescending. I’ve spent countless time on hold or bouncing around between agents trying to get good info, and am never able to get correct or helpful information. I’ve had issues like bounced direct deposits, random declines, etc. Most recently, after approving me for a line of credit, they closed the loan and my deposit accounts less than a month later, significantly impacting my credit score. Their reasoning? My activity “seemed weird.” My credit score is near perfect, and nothing I did was out of the ordinary. They refused to elaborate. For Charleston locals wanting a better banking experience with a credit union / bank that cares, I’ve had nothing but great experiences with Bayer Heritage FCU for my personal accounts and UCBI for my business accounts.

Shawn Janowczyk

Shawn Janowczyk

4 months ago

Shaye Laura at South Carolina Federal Credit Union Rivers Avenue location does a great job at helping me every time I come into the bank.

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).