Credit union · NCUA insured
Georgetown Kraft Credit Union
A $193.6M credit union headquartered in Georgetown, SC, with 18,296 members and 5 branches in South Carolina. Best rates: CDs 3.45% and savings 0.20% APY.
Georgetown Kraft Credit Union Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#2 of 9 in Murrells Inlet, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Georgetown Kraft Credit Union
Georgetown Kraft Credit Union is headquartered in Georgetown, South Carolina, and serves residents across Georgetown and Williamsburg counties.
- Headquarters
- 1379 N Fraser St, Georgetown, SC 29440-2825
- NCUA charter
- 60791
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live in Georgetown and/or Williamsburg Counties, South Carolina are eligible for membership.
- Individuals who work in Georgetown and/or Williamsburg Counties, South Carolina are eligible for membership.
Military, government and schools
- Individuals who attend school in Georgetown and/or Williamsburg Counties, South Carolina are eligible for membership.
Family and household
- Individuals related to an existing GKCU member are eligible for membership.
Cost to join
- A $1 membership fee is required upon opening an account.
- A $25 opening deposit into a savings account to represent membership is required.
Branches
5 branches in South Carolina
Loading map…
South Carolina
5 branches
Murrells Inlet area · 4
- Georgetown - N. Fraser St.Main office1379 N Fraser St, Georgetown, SC 29440Directions
- Andrews103 S Morgan Ave, Andrews, SC 29510Directions
- Georgetown - Bourne St.1530 Bourne St, Georgetown, SC 29440Directions
- Pawleys Island49 Jetty Dr, Pawleys Island, SC 29585Directions
Kingstree area · 1
- Kingstree488 Nelson Blvd, Kingstree, SC 29556Directions
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 | 18.67% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.95% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.60% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio18.67%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.95%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.60%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ 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 Georgetown Kraft Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.