Credit union · NCUA insured
SRP Federal Credit Union
A $2.1B credit union, the 253rd largest of 4,329, headquartered in North Augusta, SC, with 201,844 members and 21 branches in 2 states. Best rates: CDs 4.25% and savings 1.50% APY.
SRP Federal Credit Union Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#7 of 16 in Augusta, GA-SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SRP Federal Credit Union
Founded in 1960, SRP Federal Credit Union is headquartered in North Augusta, South Carolina.
The member-owned credit union serves over 200,000 members across the CSRA region of South Carolina and Georgia.
- Headquarters
- 1070 Edgefield Rd, North Augusta, SC 29860
- NCUA charter
- 24410
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Any business physically located in Aiken, Allendale, Barnwell, or Edgefield County in South Carolina or Burke, Columbia, Jefferson, Lincoln, McDuffie, or Richmond County in Georgia is eligible for membership.
Branches
21 branches in 2 states
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South Carolina
13 branches
Augusta area · 10
- Laurens St. Branch135 Laurens St SW Ste 100, Aiken, SC 29801Directions
- Pine Log Rd Branch750 E Pine Log Rd, Aiken, SC 29803Directions
- Richland Ave Branch3559 Richland Ave W, Aiken, SC 29801Directions
- Rutland Drive Branch390 Rutland Dr NW, Aiken, SC 29801Directions
- Silver Bluff Rd Branch1060 Silver Bluff Rd, Aiken, SC 29803Directions
- Edgefield Branch225 Apple Square Plz, Edgefield, SC 29824Directions
- Graniteville Branch184 Bettis Academy Rd, Graniteville, SC 29829Directions
- North Augusta Branch403 W Martintown Rd, North Augusta, SC 29841Directions
- Walnut Lane Branch1070 Edgefield Rd, North Augusta, SC 29860Directions
- Burnettown Branch2521 Jefferson Davis Hwy, Warrenville, SC 29851Directions
Allendale area · 1
- Allendale224 Flat St, Allendale, SC 29810Directions
Barnwell area · 1
- Barnwell Branch10660 Dunbarton Blvd, Barnwell, SC 29812Directions
Williston area · 1
- Williston Branch4620 Rosemary St, Williston, SC 29853Directions
Georgia
8 branches
- Augusta West Pkwy Branch1267 Augusta West Pkwy, Augusta, GA 30909Directions
- Broad St. Branch1007 Broad St, Augusta, GA 30901Directions
- Peach Orchard Rd Branch3034 Peach Orchard Rd, Augusta, GA 30906Directions
- Tobacco Rd Branch2215 Tobacco Rd, Augusta, GA 30906Directions
- North Belair Rd Branch100 SRP Dr, Evans, GA 30809Directions
- Grovetown Branch101 Fornum Dr, Grovetown, GA 30813Directions
- Davis Road Branch125 Davis Rd, Martinez, GA 30907Directions
- Thomson Branch1398 Washington Rd, Thomson, GA 30824Directions
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 | 13.79% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.74% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.35% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalNet worth ratio13.79%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.74%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.35%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$82Peers’ 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 SRP Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.