Credit union · NCUA insured
SPC Credit Union Savings Rates
SPC Credit Union’s best savings rate is 0.10% APY on $10,000, with its Share Savings Account. Rates checked October 22, 2026.
How SPC Credit Union’s savings rates compare
Compared with banks and credit unions near Florence, SC, where SPC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SPC Credit Union
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Share Savings Account
Top rate
Sharonview Federal Credit Union
3.20%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $320
2nd-highest rate
Carolina Trust Credit Union
1.56%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $156
SPC Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SPC Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Savings Account
0.10%APY
Considered starting point for savings; establishes membership and voting rights in credit union. Start with minimum deposit of $5.00 and earn dividends (calculated daily, paid monthly) with minimum balance of $5.00. May be used as collateral for Share Loan or Overdraft Protection for checking. Dividends calculated by the daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance of $5.00 to obtain APY. Dividends calculated daily, paid monthly.$5 and up | 0.10% | $10 | Minimum balance of $5.00 to obtain APY. Dividends calculated daily, paid monthly. |
Special-purpose accounts
IRA Share Account
0.50%APY
IRA savings account. Deposits subject to IRS regulations and limitations. Can transfer funds to a Credit Union IRA Share Certificate subject to applicable law and certificate account minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to obtain APY. Additional limitations apply for IRA savings accounts pursuant to applicable law.Any balance | 0.50% | $50 | No minimum balance to obtain APY. Additional limitations apply for IRA savings accounts pursuant to applicable law. |
Sources (1)
- spccu.org/savings-rates · captured Oct 22, 2026
Christmas Club Account
0.10%APY
Open any time during the year; deposits through regular payroll deductions, periodically by mail, or transfers. On October 1, 100% of money transferred to savings account. $10 fee charged for every withdrawal made outside of holiday spending threshold. Renewed annually. Separate from other credit union accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to obtain APY. Governed by Club Accounts rate schedule.Any balance | 0.10% | $10 | No minimum balance to obtain APY. Governed by Club Accounts rate schedule. |
Vacation Club Account
0.10%APY
Open any time during the year; deposits through regular payroll deductions, periodically by mail, or by transferring money. On May 1st, 100% of the money in your account will be transferred to your savings account. To help avoid temptation throughout the year, a $10 fee is charged for every withdrawal made outside of the holiday spending threshold. Renewed annually. Separate from other credit union accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to obtain APY. Governed by Club Accounts rate schedule.Any balance | 0.10% | $10 | No minimum balance to obtain APY. Governed by Club Accounts rate schedule. |
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.