Credit union · NCUA insured
Carolina Foothills Federal Credit Union
Top CarrotA $220.5M credit union headquartered in Spartanburg, SC, with 19,389 members and 7 branches in South Carolina. Best rates: CDs 4.20% and savings 2.30% APY.
Carolina Foothills Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#7 of 33 in Greenville, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Carolina Foothills Federal Credit Union
Founded in 1960 by a group of US Postal Service employees, Carolina Foothills Federal Credit Union is a member-owned financial cooperative.
Headquartered in Spartanburg, South Carolina, the certified Community Development Financial Institution serves members across Spartanburg, Greenville, and Cherokee counties.
- Headquarters
- 1450 John B White Sr Blvd, Spartanburg, SC 29306
- NCUA charter
- 13476
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, or attends school in Spartanburg, Greenville, Gaffney, or Mauldin.
- Membership is open to anyone who lives, works, worships, or attends school in Spartanburg County, Greenville County, or Cherokee County.
Employers and groups
- Membership is open to employees of Carolina Foothills Federal Credit Union.
- Membership is open to employees of any of the credit union's list of over 125 local partner companies.
- Membership is open to persons retired as pensioners or annuitants from eligible employment.
Family and household
- Membership is open to members of the immediate family or household of eligible employees or retirees.
3 more ways to join
Family and household
- Membership is open to anybody who is related to a current member.
- Membership is open to spouses of persons who died while within the credit union's field of membership.
Other ways
- Membership is open to organizations of eligible persons.
Cost to join
- Opening membership requires a minimum deposit of $5.00 into a Regular Share Account.
Branches
7 branches in South Carolina
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South Carolina
7 branches
Spartanburg area · 3
- New John B WhiteMain office1450 John B White Sr Blvd, Spartanburg, SC 29306Directions
- John B White1540 John B White Sr Blvd, Spartanburg, SC 29301Directions
- Spartanburg520 N Church St, Spartanburg, SC 29303Directions
Greenville area · 3
- Commonwealth280 Commonwealth Dr, Greenville, SC 29615Directions
- Greenville1609 E North St, Greenville, SC 29607Directions
- Mauldin107 Ashmore Bridge Rd, Mauldin, SC 29662Directions
Gaffney area · 1
- Gaffney760 Hyatt St, Gaffney, SC 29341Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.02% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.30% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.41% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio12.02%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.30%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.41%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Carolina Foothills Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.