Credit union · NCUA insured
SPC Credit Union Credit Card Rates
SPC Credit Union credit card rates start at 9.90% APR. Rates checked October 22, 2026.
How SPC Credit Union’s credit card rates compare
Compared with banks and credit unions near Florence, SC, where SPC Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
SPC Credit Union
– –
No ongoing APR published
Lowest rate
Nucor Employee's Credit Union
8.75%APR
2nd-lowest rate
Honda Federal Credit Union
9.90%APR
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.
SPC Mastercard Credit Card (unsecured)
Must meet membership eligibility requirements. Credit may be pulled.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.90% | None | Introductory rate for the first 12 months for new cardholders only. |
| Ongoing | 9.90% | None | Regular rate. Rate based on creditworthiness and term of loan. |
SPC Secured Credit Card
Must meet membership eligibility requirements. Requires a minimum $500 refundable security deposit held as collateral in a separate savings account (credit limit up to $5,000). Credit may be pulled.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Rate is 9.90% APR. Backed by refundable security deposit ($500 minimum starting deposit/limit up to $5,000). Rate based on creditworthiness and term of loan. |
Who can join SPC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.