Credit union · NCUA insured
South Carolina State Credit Union
Top CarrotA $1.5B credit union, the 344th largest of 4,329, headquartered in Columbia, SC, with 93,521 members and 19 branches in South Carolina. Best rates: CDs 3.65% and savings 1.01% APY.
South Carolina State Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#8 of 27 in Columbia, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About South Carolina State Credit Union
Founded in 1952, South Carolina State Credit Union is a member-owned financial institution.
The credit union operates 19 branches across South Carolina.
- Headquarters
- 800 Huger St, Columbia, SC 29201-3620
- NCUA charter
- 24824
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This may be incomplete or out of date, so check with the credit union before you apply.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, work, worship, or go to school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens, or Spartanburg counties are eligible for membership.
Employers and groups
- Employees of Preferred Employer Groups can join.
Military, government and schools
- Students, professors, and staff members at any South Carolina technical college or state-chartered college or university are eligible for membership.
- City, county, or state employees qualify for membership.
- Individuals enrolled in the South Carolina retirement system are eligible for membership.
Family and household
- Individuals related by blood or marriage to a current SCU member are eligible to become members.
Branches
19 branches in South Carolina
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South Carolina
19 branches
Columbia area · 8
- Corporate OfficeMain office800 Huger St, Columbia, SC 29201Directions
- Capitol View3011 Farrow Rd, Columbia, SC 29203Directions
- Hard Scrabble Road4304 Hard Scrabble Rd, Columbia, SC 29229Directions
- Lower Richland7845 Garners Ferry Rd, Columbia, SC 29209Directions
- St Andrews Road529 Saint Andrews Rd, Columbia, SC 29210Directions
- Broad River Road7438 Broad River Rd, Irmo, SC 29063Directions
- Lexington954 E Main St, Lexington, SC 29072Directions
- Lexington 3784458 Sunset Blvd, Lexington, SC 29072Directions
Greenville area · 4
- Anderson1825 E Greenville St, Anderson, SC 29621Directions
- Anderson Hwy 28 Bypass306 Pearman Dairy Rd, Anderson, SC 29625Directions
- Clemson100 Pinnacle St, Clemson, SC 29631Directions
- Greenville1435 Cleveland St, Greenville, SC 29607Directions
Augusta area · 1
- Aiken Branch190 Beaufort St NE, Aiken, SC 29801Directions
Florence area · 1
- Florence1504 N Cashua Dr, Florence, SC 29501Directions
Greenwood area · 1
- Greenwood1000 Montague Ave, Greenwood, SC 29649Directions
Charleston area · 1
- Charleston6750 Rivers Ave, North Charleston, SC 29406Directions
Orangeburg area · 1
- Orangeburg1081 Boulevard St, Orangeburg, SC 29115Directions
Seneca area · 1
- Seneca12015 N Radio Station Rd, Seneca, SC 29678Directions
Spartanburg area · 1
- Spartanburg165 Camelot Dr, Spartanburg, SC 29301Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.57% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.82% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 2.09% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $70 | $88 | — |
- CapitalNet worth ratio15.57%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.82%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets2.09%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$70Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 South Carolina State Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.