States
Credit unions in South Carolina: the best and largest of 45, compared
Independent site, not the NCUA, a credit union or a bank. General information, not financial advice.
All 45 filers based in South Carolina, largest first. Sort them by what matters to you.
Credit unions by state, from the federal filings
South Carolina: credit unions that match
45
| Their members | 1.72M |
| Their assets | $24.7B |
| First on this sort | Founders Federal Credit Union |
| Credit union | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|
| Founders Federal Credit UnionLancaster | $5.20B | 294K | 13.62% | 0.68% | 47 | 5/5 |
| South Carolina Federal Credit UnionNorth Charleston | $2.59B | 158K | 13.34% | 0.60% | 34 | 5/5 |
| SRP Federal Credit UnionNorth Augusta | $2.09B | 203K | 13.79% | 0.74% | 21 | 4/5 |
| Safe Federal Credit UnionSumter | $1.97B | 140K | 10.97% | 0.63% | 20 | 4/5 |
| AllSouth Federal Credit UnionColumbia | $1.51B | 120K | 19.60% | 0.41% | 21 | 5/5 |
| Palmetto Citizens Federal Credit UnionColumbia | $1.50B | 87K | 13.48% | 1.11% | 17 | 4/5 |
| S. C. State Federal Credit Union (SCU)Columbia | $1.47B | 94K | 15.57% | 0.82% | 19 | 4/5 |
| Sharonview Federal Credit UnionIndian Land | $1.33B | 82K | 7.63% | 1.18% | 16 | 2/5 |
| Rev Federal Credit UnionSummerville | $1.24B | 67K | 13.75% | 0.57% | 20 | 4/5 |
| Family Trust Federal Credit UnionRock Hill | $805M | 60K | 11.85% | 0.73% | 8 | 4/5 |
NCUA Call Report, June 30, 2026. Delinquency: loans two or more months late, as a share of loans. Checks: our own five data checks, not an NCUA rating; membership rules are not in this file, so confirm them with the credit union. Everything you enter stays in this browser: nothing is sent or stored.
45 credit unions based in South Carolina filed 1.72M members and $24.7B in assets with the National Credit Union Administration for June 30, 2026. South Carolina’s net worth ratio of 13.23% is one of the highest in the file, with delinquency under the national rate at 0.77%. Founders Federal Credit Union in Lancaster leads, South Carolina Federal Credit Union is in North Charleston, and SRP Federal Credit Union sits in North Augusta. Capital runs high: the combined net worth ratio is 13.23% against 11.42% nationwide. Loans two months late or worse come to 0.77%, close to the national 0.96%. The median charter opened in 1960, 2nd latest of the 50 states and DC. Credit cards count for more than usual, 4.6% of loans, led by Palmetto Citizens Federal Credit Union at 10.6%. 9 filers report one branch or none, the 7th lowest share. Offices by city: Columbia (46), Greenville (32), Florence (14), Charleston (13), out of 96 places in 39 counties. Gone since last year: Vital FCU ($56M), 1st Cooperative FCU ($22M). Latest charter: Brookland Federal Credit Union, 1999, with none since 2000. The file does not say who may join any of them, or why a charter stopped filing.
How much of the state do the three largest hold?
South Carolina: top 3 share of assets
40.0%
| Largest | Founders Federal Credit Union |
| Its share | 21.1% |
| At $1 billion or more | 9 |
| Under $50 million | 14 |
Filings read by Radif Partners · Editorial policy · Method and sources
Strong capital across the state
None of the 45 filers reports under 7% on net worth, and 9 hold $1 billion or more. Navy Federal has 8 offices here, and 18 outside institutions run 46, so the map is wider than the list of South Carolina filers. Federal charters lead the mix with 37.
Highest net worth (over $100 million): AllSouth FCU, 19.60%. Fewest late loans: Upstate FCU, 0.26%. Founders FCU leads on members, 294K, and branches, 47. Largest member change: Caro FCU, +45.49%. Next by assets: Safe FCU, AllSouth FCU, Palmetto Citizens FCU, S. C. State FCU, Sharonview FCU, Rev FCU. Smallest: Trinity Baptist Church FCU, S. C. H. D. Dist #7 FCU, Brookland FCU. Minority depository flag: Carolina Foothills FCU, Curis Financial CU, Pee Dee FCU, Edisto FCU and 2 more. Largest outside presence: Navy FCU, from VA, 8 offices.
Santee Cooper CU (71.3%) leans most on vehicle loans, South Carolina FCU (55.6%) on first-lien home loans, Palmetto Citizens FCU (10.6%) on cards. Oldest charters: Columbia Post Office CU, 1927; Spero Financial FCU, 1935; South Carolina FCU, 1936. Secured Advantage FCU lost the most members in percentage terms, -30.89%, among those over $10 million.
Rank among the 50 states and DC
| Measure | South Carolina | Rank | All filers |
|---|---|---|---|
| Vehicle loans, share of loans | 29.9% | 24th lowest | 27.5% |
| First-lien home loans, share of loans | 38.5% | 16th highest | 36.6% |
| Credit cards, share of loans | 4.6% | 4th highest | 4.9% |
| Commercial loans without real estate, share of loans | 0.5% | 13th lowest | 0.8% |
| Loans as a share of shares and deposits | 83.4% | 23rd highest | |
| Assets per member | $14,361 | 9th lowest | |
| Members per reported branch | 4,791 | 18th lowest | |
| Members per employee (full- and part-time) | 328 | 10th lowest | |
| Filers with one branch or none | 20.0% | 7th lowest | |
| Three largest names, share of assets | 40.0% | 14th lowest | |
| Fall in filer count over 12 months | 4.3% | 22nd highest | |
| Median year a charter opened | 1960 | 2nd highest |
The largest in South Carolina
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| Founders Federal Credit Union | Lancaster | $5.20B | 294K | 13.62% | 0.68% | 47 | 5/5 |
| South Carolina Federal Credit Union | North Charleston | $2.59B | 158K | 13.34% | 0.60% | 34 | 5/5 |
| SRP Federal Credit Union | North Augusta | $2.09B | 203K | 13.79% | 0.74% | 21 | 4/5 |
| Safe Federal Credit Union | Sumter | $1.97B | 140K | 10.97% | 0.63% | 20 | 4/5 |
| AllSouth Federal Credit Union | Columbia | $1.51B | 120K | 19.60% | 0.41% | 21 | 5/5 |
| Palmetto Citizens Federal Credit Union | Columbia | $1.50B | 87K | 13.48% | 1.11% | 17 | 4/5 |
| S. C. State Federal Credit Union (SCU) | Columbia | $1.47B | 94K | 15.57% | 0.82% | 19 | 4/5 |
| Sharonview Federal Credit Union | Indian Land | $1.33B | 82K | 7.63% | 1.18% | 16 | 2/5 |
| Rev Federal Credit Union | Summerville | $1.24B | 67K | 13.75% | 0.57% | 20 | 4/5 |
| Family Trust Federal Credit Union | Rock Hill | $805M | 60K | 11.85% | 0.73% | 8 | 4/5 |
| CPM Federal Credit Union | North Charleston | $759M | 68K | 8.89% | 1.92% | 11 | 4/5 |
| Spero Financial Federal Credit Union | Greenville | $701M | 46K | 8.30% | 0.94% | 10 | 3/5 |
| Greenville Federal Credit Union | Greenville | $512M | 36K | 11.02% | 0.50% | 6 | 5/5 |
| Carolina Trust Federal Credit Union | Myrtle Beach | $422M | 41K | 10.04% | 0.83% | 7 | 3/5 |
| MTC Federal Credit Union | Greenville | $303M | 16K | 12.73% | 0.90% | 9 | 3/5 |
| SPC Credit Union | Hartsville | $266M | 26K | 11.42% | 1.13% | 7 | 4/5 |
| Carolina Foothills Federal Credit Union | Spartanburg | $224M | 19K | 12.02% | 1.30% | 7 | 3/5 |
| Georgetown Kraft Credit Union | Georgetown | $192M | 18K | 18.67% | 0.95% | 5 | 4/5 |
| Mid Carolina Credit Union | Lugoff | $182M | 14K | 12.69% | 0.66% | 5 | 4/5 |
| Greenville Heritage Federal Credit Union | Greenville | $181M | 11K | 12.53% | 0.34% | 3 | 4/5 |
| Caro Federal Credit Union (Caro Smart Financial Solutions) | Columbia | $175M | 11K | 15.41% | 0.88% | 5 | 4/5 |
| Upstate Federal Credit Union | Anderson | $149M | 18K | 9.77% | 0.26% | 8 | 5/5 |
| South Carolina National Guard Federal Credit Union | Columbia | $98M | 5,544 | 26.61% | 0.13% | 2 | 4/5 |
| Santee Cooper Credit Union | Moncks Corner | $96M | 7,218 | 15.01% | 0.97% | 2 | 4/5 |
| Curis Financial Credit Union | Columbia | $84M | 9,129 | 23.49% | 0.59% | 4 | 4/5 |
Offices run from other states
| Credit union | Based in | Offices here | Total assets | Net worth |
|---|---|---|---|---|
| Navy Federal Credit Union | VA | 8 | $204.4B | 11.65% |
| Truliant Federal Credit Union | NC | 6 | $5.62B | 10.56% |
| Self-Help Federal Credit Union | NC | 5 | $2.41B | 25.18% |
| Grow Financial Federal Credit Union | FL | 4 | $3.92B | 11.23% |
| Peach State Federal Credit Union | GA | 4 | $1.12B | 9.18% |
| Bayer Heritage Federal Credit Union | WV | 3 | $801M | 9.90% |
| Corning Federal Credit Union | NY | 2 | $2.77B | 10.85% |
| Houston Federal Credit Union | TX | 2 | $952M | 9.88% |
| Carolinas Telco Federal Credit Union | NC | 2 | $506M | 15.06% |
| Boeing Employees Credit Union | WA | 2 | $29.6B | 12.57% |
| State Department Federal Credit Union | VA | 1 | $2.94B | 10.78% |
| Ukrainian Federal Credit Union | NY | 1 | $427M | 8.16% |
In figures
| Measure | South Carolina | Federally insured, US |
|---|---|---|
| Credit unions | 45 | 4,214 |
| Members | 1.72M | 146.11M |
| Assets | $24.7B | $2.50T |
| Net worth ratio | 13.23% | 11.42% |
| Delinquency | 0.77% | 0.96% |
| Same-charter members, 12 months | +1.64% | n/a |
| Same-charter assets, 12 months | +5.31% | n/a |
| Filers a year earlier | 47 | n/a |
| Federal charters | 37 | 2,649 |
| State charters | 8 | 1,650 |
| Minority depository flag | 6 | 454 |
Who can join
The federal file does not list who may join, and we have not verified the rules of any name on this list. Each one can tell you itself. How to join sets out the steps.