Credit union · NCUA insured
Mid Carolina Credit Union
Top CarrotA $177.7M credit union headquartered in Lugoff, SC, with 14,016 members and 4 branches in South Carolina. Best rates: CDs 0.65% and savings 1.86% APY.
Mid Carolina Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 93% of U.S. banks and credit unions
#1 of 27 in Columbia, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mid Carolina Credit Union
Chartered and opened in 1961, Mid Carolina Credit Union was originally established as a benefit for the employees of the Dupont May Plant.
The member-owned credit union serves Kershaw and Richland counties in South Carolina with four offices and four ATMs.
- Headquarters
- 841 Highway 1 S, Lugoff, SC 29078-9436
- NCUA charter
- 60735
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This may be incomplete or out of date, so check with the credit union before you apply.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 any individual who lives, works, or attends school in Kershaw or Richland counties in South Carolina.
Employers and groups
- Membership is available to multiple employment groups included in the expanded charter.
Family and household
- Individuals outside the area who have immediate family in Kershaw or Richland counties may be eligible to join.
Other ways
- Membership may be available to businesses, non-profits, churches, and legal entities operating in Kershaw or Richland counties.
Cost to join
- Joining requires opening a savings account with a minimum deposit of $5.00 and presenting a current photo ID.
Branches
4 branches in South Carolina
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South Carolina
4 branches
- LugoffMain office841 Highway 1 S, Lugoff, SC 29078Directions
- Camden1015 Mill St, Camden, SC 29020Directions
- Sandhill100 Forum Dr Ste 4, Columbia, SC 29229Directions
- Elgin2480 Main St, Elgin, SC 29045Directions
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 | 12.69% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.66% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.88% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio12.69%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.66%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ 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 Mid Carolina Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.