Q2 2026 call reports
Best credit unions in South Carolina
Scored on what members get, from the call reports filed with NCUA for the quarter ended June 30, 2026, the best credit union serving South Carolina is Greenville Heritage Federal Credit Union with 68.6 out of 100, followed by Corning Federal Credit Union (67.7) and MTC Federal Credit Union (64.3). The score weighs deposit dividends, loan rates, fees, financial strength and member growth against credit unions of the same size.
No paid placements and no reviews: only NCUA figures. A credit union must hold at least $50 million in assets and be well capitalized to be scored. Check that you are eligible to join.
- Best for saversSpero Financial Federal Credit Union 91th percentile
- Lowest loan ratesPeach State Federal Credit Union 84th percentile
- Lowest feesBoeing Employees Credit Union 97th percentile
- Strongest balance sheetAllsouth Federal Credit Union 88th percentile
Top 25 credit unions in South Carolina most people can look at
Credit unions headquartered in South Carolina or with offices there that estimate 100,000 or more potential members on their call report, or that anyone in the US can join. Each part is a percentile against NCUA peers of the same size, 100 best; the score is their weighted average.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Greenville Heritage Federal Credit UnionGreenville, SC | 68.6 | 80 | 74 | 65 | 70 | 32 | $181.2M |
| 2 | Corning Federal Credit UnionCorning, NY · 2 offices here | 67.7 | 71 | 49 | 89 | 64 | 71 | $2.8B |
| 3 | MTC Federal Credit UnionGreenville, SC | 64.3 | 86 | 76 | 46 | 50 | 47 | $302.6M |
| 4 | Grow Financial Federal Credit UnionTampa, FL · 5 offices here | 61.6 | 56 | 46 | 84 | 58 | 77 | $3.9B |
| 5 | Boeing Employees Credit UnionTukwila, WA · 2 offices here | 60.8 | 10 | 68 | 97 | 77 | 67 | $29.6B |
| 6 | Self-Help Federal Credit UnionDurham, NC · 5 offices here | 59.8 | 43 | 31 | 95 | 64 | 95 | $2.4B |
| 7 | Family Trust Federal Credit UnionRock Hill, SC | 57.1 | 72 | 45 | 46 | 57 | 74 | $805.4M |
| 8 | State Department Federal Credit UnionAlexandria, VA · 1 office here | 56.7 | 61 | 58 | 81 | 43 | 21 | $2.9B |
| 9 | Founders Federal Credit UnionLancaster, SC | 55.6 | 85 | 35 | 18 | 68 | 85 | $5.2B |
| 10 | Navy Federal Credit UnionVienna, VA · 8 offices here | 55.4 | 56 | 33 | 88 | 37 | 81 | $204.4B |
| 11 | Sharonview Federal Credit UnionFort Mill, SC | 52.7 | 81 | 80 | 47 | 11 | 8 | $1.3B |
| 12 | Carolina Foothills Federal Credit UnionSpartanburg, SC | 52.2 | 68 | 68 | 34 | 37 | 39 | $224.3M |
| 13 | Bayer Heritage Federal Credit UnionNew Martinsville, WV · 3 offices here | 50.6 | 71 | 78 | 22 | 19 | 51 | $800.7M |
| 14 | Houston Federal Credit UnionSugar Land, TX · 2 offices here | 49.9 | 46 | 66 | 51 | 50 | 18 | $952.0M |
| 15 | Palmetto First Federal Credit UnionFlorence, SC | 47.3 | 42 | 45 | 31 | 53 | 88 | $64.1M |
| 16 | Upstate Federal Credit UnionAnderson, SC | 45.8 | 54 | 23 | 33 | 54 | 92 | $148.5M |
| 17 | Greenville Federal Credit UnionGreenville, SC | 45.3 | 46 | 44 | 28 | 62 | 49 | $512.3M |
| 18 | Skyla Federal Credit UnionCharlotte, NC · 1 office here | 44.7 | 69 | 52 | 11 | 20 | 82 | $1.7B |
| 19 | Carolinas Telco Federal Credit UnionCharlotte, NC · 2 offices here | 44.3 | 12 | 60 | 62 | 63 | 13 | $506.3M |
| 20 | Mid Carolina Credit UnionLugoff, SC | 44.3 | 36 | 57 | 28 | 58 | 38 | $181.8M |
| 21 | S. C. State Federal Credit UnionColumbia, SC | 43.8 | 14 | 53 | 34 | 66 | 69 | $1.5B |
| 22 | Peach State Federal Credit UnionLawrenceville, GA · 4 offices here | 43.6 | 15 | 84 | 35 | 51 | 17 | $1.1B |
| 23 | Spero Financial Federal Credit UnionGreenville, SC | 42.6 | 91 | 41 | 26 | 19 | 7 | $701.5M |
| 24 | Neighbors United Federal Credit UnionGreenwood, SC | 42.6 | 20 | 51 | 44 | 35 | 92 | $64.0M |
| 25 | Eaton Family Credit UnionEuclid, OH · 1 office here | 40.4 | 74 | 24 | 47 | 15 | 34 | $77.6M |
Top scores among South Carolina credit unions for specific groups
These serve a closed field of membership, such as one employer's staff, a profession or a church, with under 100,000 potential members. If you belong to the group, they are worth a look.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Santee Cooper Credit UnionMoncks Corner, SC | 52.3 | 65 | 44 | 30 | 51 | 87 | $95.9M |
| 2 | Tru Federal Credit UnionGreenwood, SC | 51.3 | 33 | 65 | 41 | 48 | 90 | $63.4M |
| 3 | Nucor Employee's Credit UnionFlorence, SC | 50.6 | 20 | 30 | 77 | 72 | 84 | $68.2M |
| 4 | Ukrainian Federal Credit UnionRochester, NY · 1 office here | 50.5 | 90 | 54 | 41 | 15 | 33 | $426.9M |
| 5 | Duke University Federal Credit UnionDurham, NC · 1 office here | 47.5 | 12 | 73 | 83 | 24 | 48 | $203.2M |
| 6 | South Carolina National Guard Federal Credit UnionColumbia, SC | 45.2 | 49 | 11 | 39 | 95 | 35 | $98.3M |
| 7 | Parda Federal Credit UnionAuburn Hills, MI · 1 office here | 42.8 | 4 | 72 | 29 | 60 | 61 | $217.4M |
| 8 | Georgetown Kraft Credit UnionGeorgetown, SC | 35.8 | 16 | 36 | 2 | 64 | 96 | $191.9M |
| 9 | Curis Financial Credit UnionColumbia, SC | 34.3 | 25 | 41 | 6 | 76 | 15 | $84.3M |
Not eligible locally? Best credit unions anyone can join
These say on their own sites that almost anyone in the US can join, usually through a partner association. How to join each one
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Chevron Federal Credit UnionConcord, CA · open to anyone | 78.3 | 98 | 65 | 92 | 78 | 37 | $5.4B |
| 2 | Alliant Credit UnionChicago, IL · open to anyone | 71.0 | 99 | 57 | 100 | 28 | 65 | $20.0B |
| 3 | First Technology Federal Credit UnionSan Jose, CA · open to anyone | 68.5 | 95 | 37 | 99 | 29 | 99 | $27.9B |
| 4 | NASA Federal Credit UnionUpper Marlboro, MD · open to anyone | 67.3 | 98 | 49 | 87 | 55 | 21 | $5.8B |
| 5 | Lake Michigan Credit UnionGrand Rapids, MI · open to anyone | 66.8 | 96 | 29 | 64 | 72 | 84 | $17.3B |
How the score works
- Pays savers, 25%: dividends and interest paid on deposits (dividends paid on deposits).
- Loan rates, 25%: the average of its percentiles on the new auto, used auto, credit card, personal loan and first mortgage rates it reported, lower being better (at least two needed).
- Low fees, 20%: fee income per member, lower being better.
- Strength, 20%: the average of its net worth ratio and its share of loans 60 or more days late.
- Members joining, 10%: member growth over 12 months.
Each part is the credit union's percentile among NCUA's peer group of the same asset size, so a $60 million credit union is measured against other $50 million to $100 million credit unions. If member growth is missing, the other parts are reweighted. Ratios follow NCUA's Financial Performance Report. The national list · Definitions
Source: NCUA 5300 Call Report quarterly data and branch file, Q2 2026. Not affiliated with NCUA or any credit union. 50 credit unions scored for South Carolina. · All South Carolina credit unions · South Carolina loan rates · By city
Questions people ask
What is the best credit union in South Carolina?
On our score, built only from NCUA call-report data for Q2 2026, Greenville Heritage Federal Credit Union ranks first among credit unions with a broad field of membership that serve South Carolina, at 68.6 out of 100, followed by Corning Federal Credit Union (67.7) and MTC Federal Credit Union (64.3). The best one for you depends on what you need: the lists of best for savers, borrowers and low fees on this page split that out.
Can I join these credit unions?
Every credit union limits who can join. The main list keeps to credit unions that estimate 100,000 or more potential members on their call report, which usually means a whole community or many employers, so many people living or working nearby can join. Check the eligibility rules on the credit union's own site. If you are not eligible anywhere local, the credit unions anyone in the US can join are listed below.
Is money at these credit unions insured?
Yes. Every credit union scored here is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. Credit unions below a 7% net worth ratio, NCUA's line for well capitalized, are left off the list entirely.
Does anyone pay to be on this list?
No. The score uses only the figures each credit union filed with NCUA. Nobody can pay for a place, and no reviews or survey answers are mixed in.