Credit union · NCUA insured
Mid Carolina Credit Union Credit Card Rates
Top CarrotMid Carolina Credit Union credit cards start at 7.45% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Mid Carolina Credit Union’s credit card rates compare
Compared with banks and credit unions near Columbia, SC, where Mid Carolina Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Mid Carolina Credit Union
7.45%APR
- Up to
- 18.00% APR
Visa Classic
2nd-lowest rate
Nucor Employee's Credit Union
8.75%APR
- Up to
- —
3rd-lowest rate
Neighbors United FCU
8.90%APR
- Up to
- —
Mid Carolina Credit Union credit card score
95
Credit card score
Higher than 98% of U.S. banks and credit unions
- Purchase APRPurchase APR7.45%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mid Carolina Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
Rate based on creditworthiness and term of loan. No Annual Fee. Free Online Banking and card management tool.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.45%–18.00% | None | Rate based on creditworthiness and term of loan. No Annual Fee. |
| Ongoing | 10.95% | None | Variable Rate Range 10.95% to 17.45% (Rates based on prime as the index; rate can change monthly as the index changes.) |
Visa Platinum Rewards
Rate based on creditworthiness and term of loan. No Annual Fee. Earns uChoose Rewards points on purchases (1 point per $1 spent).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.45%–18.00% | None | Rate based on creditworthiness and term of loan. No Annual Fee. |
| Ongoing | 13.95% | None | Variable Rate Range 10.95% to 17.45% (Rates based on prime as the index; rate can change monthly as the index changes.) |
Who can join Mid Carolina Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.