Credit union · NCUA insured
South Carolina State Credit Union Credit Card Rates
Top CarrotSouth Carolina State Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How South Carolina State Credit Union’s credit card rates compare
Compared with banks and credit unions near Columbia, SC, where South Carolina State Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
South Carolina State Credit Union
10.90%APR
- Up to
- —
Visa Platinum Credit Card
Lowest rate
Mid Carolina Credit Union
7.45%APR
- Up to
- 18.00% APR
2nd-lowest rate
Nucor Employee's Credit Union
8.75%APR
- Up to
- —
South Carolina State Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where South Carolina State 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 Credit Card
Fixed APR. Subject to creditworthiness, credit union relationship, and underwriting standards. No annual fee, no balance transfer fee, no cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.90% | None | Fixed APR. No annual fee, no balance transfer fee, no cash advance fee. Subject to creditworthiness. |
Sources (2)
All captured Oct 15, 2026
Visa Gold Credit Card
Fixed APR. Subject to creditworthiness, credit union relationship, and underwriting standards. No annual fee, no balance transfer fee, no cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | None | Fixed APR. No annual fee, no balance transfer fee, no cash advance fee. Subject to creditworthiness. |
Sources (2)
All captured Oct 15, 2026
Visa Platinum Credit Card
Fixed APR. Subject to creditworthiness, credit union relationship, and underwriting standards. No annual fee, no balance transfer fee, no cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Fixed APR. No annual fee, no balance transfer fee, no cash advance fee. Subject to creditworthiness. |
Sources (2)
All captured Oct 15, 2026
Visa Secured Credit Card
Requires setting aside $300 to $5,000 in a savings account to secure the card in the same amount. No annual fee, no balance transfer fee, no cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.90% | None | Fixed APR. Secured by $300 to $5,000 deposited in savings account. No annual fee, no balance transfer fee, no cash advance fee. |
Sources (2)
All captured Oct 15, 2026
Visa Signature Credit Card
Prime Rate plus 4.00% margin. Minimum credit limit of $5,000. Subject to credit approval and income verification. Variable rate adjusts monthly if Prime Rate changes.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.00% | None | Variable APR based on Prime Rate (7.00% as of September 17, 2026) plus 4.00% margin. Minimum credit limit is $5,000. No annual fee, no balance transfer fee, no cash advance fee. |
Who can join South Carolina State Credit Union
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.
Membership information collected October 4, 2026.