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Mid Carolina Credit Union

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Mid Carolina Credit Union Rates & Review August 2026

Q: Is a member application needed to join Mid Carolina Credit Union?

Yes, to access services at Mid Carolina Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mid Carolina Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Mid Carolina Credit Union's Personal Loan Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Mid Carolina Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.02%. Rates last updated and verified on 08/29/2026.

Mid Carolina Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mid Carolina Credit Union? Share your experience about Mid Carolina Credit Union by leaving a review below, or read customer reviews before you decide to use Mid Carolina Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.02%

Excellent Lower than avg

Mid Carolina Credit Union
Lugoff

841 Highway 1 S
Lugoff, SC 29078 9436

https://www.midcarolinacu.com

Mid Carolina Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loans	-	-	6.75%
Details 85% of appraisal minus 1st mortgage balance Rate adjusts quarterly with Prime. Call (803)432-5299 for details Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

Mid Carolina Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto New/Used (2024 - Present)	-	-	3.49%
Details Terms vary for qualified borrowers financing up to 100% of sales price New Or NADA Retail Value Used Rate Range 3.49% to 17.99% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Auto Used (2023 - 2021)	-	-	5.24%
Details Up to 100% NADA Retail Value Terms vary Rate range 5.24% to 18.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Auto Used (2020 - 2016)	-	-	5.99%
Details Up to 100% NADA Retail Value Terms vary Rate range 5.99% to 18.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

Mid Carolina Credit Union Credit Card Rates

Product	Rate	APR
VISA CLASSIC	-	7.45%
Details No Annual Fee. Spending Flexibility with Fraud Protection. Local Service at your nearest MCCU branch. Free Online Banking and Free Access to Fraud & Spend Tracking through card management tool within Mobile Banking. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Credit Cards	-	10.95%
Details Intro rate expires: 12 months; Regular APR: 10.95% to 17.45% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Credit Cards	-	13.95%
Details Intro rate expires: 12 months; Regular APR: 10.95% to 17.45% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

Mid Carolina Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Line of Credit	-	9.90%
Details Terms vary Rate Range 9.90% to 18.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Mid Carolina Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Mid Carolina Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Mid Carolina Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mid Carolina Credit Union

Website https://www.midcarolinacu.com

Address 841 Highway 1 S, Lugoff, SC 29078 9436

Phone 803-432-8521

Fax 803-425-1936

President Dennis Arledge

CEO Dean Scarborough

Full-Time Employees 47

Part-Time Employees 2

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.02%

Return on Assets (ROA)

0.5372%

Return on Equity (ROE)

4.3755%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

179,933,447

Total Amount of Shares and Deposits

161,164,798

Total Shares and Deposits < 1 Year

150,722,674

Total Shares and Deposits 1 3 Years

10,442,121

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,020,502

Total Uninsured Shares and Deposits > $250K (F+J)

5,020,502

Total Insured Shares and Deposits > $250K (item 17 less item K)

156,144,296

Total Interest Expense (Sum of items 6 8)

1,387,108

Share Certificates

119

Number of Accounts for Share Drafts

8,606

IRA KEOGH Accounts

302

Number of Accounts for Regular Shares

14,200

Non Member Deposits

Money Market Shares

626

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,930,660

Total Liabilities

160,576,954

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Mid Carolina Credit Union earned the Verified Strong badge

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Customer Reviews

There are no reviews for Mid Carolina Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Mid Carolina Credit Union

Frequently Asked Questions About Mid Carolina Credit Union

How many branches does Mid Carolina Credit Union operate?

Mid Carolina Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Mid Carolina Credit Union?

Yes, to access services at Mid Carolina Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Mid Carolina Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mid Carolina Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Mid Carolina Credit Union offer online and mobile banking?

Most modern institutions like Mid Carolina Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.midcarolinacu.com.