Vital

PO Box 5586, Spartanburg, SC 29304

NCUA Insured4.0 (63 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1964

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

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

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 1964

Low-Income Designated

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 5586

Spartanburg, SC 29304

Google Maps 🗺Waze

(864) 948-8200

Service Area

This credit union is located in Spartanburg and serves members in the SC area. Currently serving 6,005 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.

Loan Rates

Rates sourced from NCUA call report data (Q1 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.50%

Used Auto Loan

6.00%

Personal Loan

10.90%

Credit Card APR

10.90%

Important: Rates are sourced from NCUA call report filings (Q1 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 Q1 2025).

Trinity Baptist Church— New Auto Loan

Florence, SC

3.00%

Sharonview— Used Auto Loan

Fort Mill, SC

3.49%

Family Trust— Personal Loan

Rock Hill, SC

6.24%

S C I— Credit Card APR

Florence, SC

7.75%

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

Branches & Locations

Branch information not available for this credit union.

Member Reviews

4.0

63 Google reviews

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

View on Google Maps

Jimmy Raye

3 months ago

This by far is my favorite branch. From the manager to every loan specialist. Mr. Randy takes care of each and every customer and goes far and beyond to make sure all of your banking needs are first class. I will never bank anywhere else but Founders and this location!

Travis Garrett

3 months ago

Have been with them almost 20 years. Great customer service and always willing to work with you when odd situations arise.

Dee Smithette

10 months ago

Logan is my favorite loan rep at founders she sends us lots of customers to my dealership and makes the loan process super easy!!!

Brandon Nesbitt

8 months ago

Only Giving 3 stars, would give more if they do away with the stupid automated answering systems & actually have real people answering calls & helping people with problems they're having!!!