Credit union · NCUA insured
SPC Credit Union
A $266.2M credit union headquartered in Hartsville, SC, with 25,924 members and 5 branches in South Carolina. Best rates: CDs 3.97% and savings 0.10% APY.
SPC Credit Union Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#6 of 15 in Florence, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SPC Credit Union
Organized under a federal charter in 1941 in Hartsville, South Carolina, SPC Credit Union operates as a member-owned, not-for-profit financial cooperative.
Originally Sonoco Credit Union, it reorganized under a South Carolina charter in 1961, became independent in 1989, and expanded to serve Darlington, Florence, Marlboro, and Chesterfield counties.
Approved as a Community Development Financial Institution, the credit union was originally founded to help employees save, borrow, and purchase homes.
- Headquarters
- 204 N 5th St, Hartsville, SC 29550-4136
- NCUA charter
- 60686
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, or attends school in Darlington, Florence, Marlboro, or Chesterfield Counties is eligible for membership.
Employers and groups
- Employees of select employee groups in the Hartsville, Darlington, and Bennettsville area, as well as employees of Sonoco Products Company and its affiliates throughout the United States, are eligible for membership.
Family and household
- Any person related by blood or marriage to a current SPC member, regardless of employment or residence, is eligible for membership.
Cost to join
- A $5 minimum deposit is required to open an account.
Branches
5 branches in South Carolina
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South Carolina
5 branches
Florence area · 3
- Main OfficeMain office204 N 5th St, Hartsville, SC 29550Directions
- Darlington Branch609 N Main St, Darlington, SC 29532Directions
- Florence Branch1312 Celebration Blvd, Florence, SC 29501Directions
Bennettsville area · 1
- Bennettsville Branch204 15/401 By-Pass East, Bennettsville, SC 29512Directions
Cheraw area · 1
- Cheraw Branch849 Chesterfield HWY, Cheraw, SC 29520Directions
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 | 11.42% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.13% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.66% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio11.42%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.13%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.66%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 SPC Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.