Credit union · NCUA insured
Upstate FCU
A $148.1M credit union headquartered in Anderson, SC, with 17,602 members and 7 branches in South Carolina. Best rates: CDs 3.65% and savings 1.26% APY.
Upstate FCU Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#19 of 33 in Greenville, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Upstate FCU
Chartered in 1965 by the South Carolina Banking Commission as Orr Mill Credit Union, the institution originally served employees of Orr Mill.
After converting to a federal charter as Upstate Federal Credit Union in 1993, it expanded its community charter to serve multiple South Carolina counties, including Anderson, Abbeville, Greenville, Greenwood, Laurens, Oconee, and Pickens.
- Headquarters
- 123 Broadbent Way, Anderson, SC 29625
- NCUA charter
- 24484
Branches
7 branches in South Carolina
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South Carolina
7 branches
- Michelin US 1010 Bib Way, Anderson, SC 29626Directions
- Michelin US 81 Bib Way, Anderson, SC 29626Directions
- Whitehall / McGee Road Branch910 Whitehall Rd, Anderson, SC 29625Directions
- Honea Path Branch430 N Main St, Honea Path, SC 29654Directions
- Pendleton Branch6700 Highway 76, Pendleton, SC 29670Directions
- South Anderson Branch Office4805 Highway 81 S, Starr, SC 29684Directions
- Williamston Office4 roberts Blvd, Williamston, SC 29697Directions
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 | 9.77% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.26% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.08% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio9.77%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.26%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.08%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$73Peers’ 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 Upstate FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.