Mortgage Rates Ruby, South Carolina (SC) for March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current 30-year fixed mortgage rates in Ruby, South Carolina as of March 24, 2026 are as follows, according to verified data from MonitorBankRates: Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union1020 Woodruff Rd, Columbia, SC, 29210A+5.0 ★Texas Ratio: 4.17% at 5.75%, Carolina Trust Federal Credit UnionCarolina Trust Federal Credit Union1010 21st Ave N, Conway, SC, 29526 3365A5.0 ★Texas Ratio: 6.29% at 5.75%, AllSouth Federal Credit UnionAllSouth Federal Credit Union10230 Two Notch Rd, Batesburg, SC, 29006 2125A+5.0 ★Texas Ratio: 1.34% at 5.75%, SAFE Federal Credit UnionSAFE Federal Credit Union10600 Broad River Rd, Bishopville, SC, 29010A5.0 ★Texas Ratio: 7.35% at 6.00%, and Founders Federal Credit UnionFounders Federal Credit Union100 Springcrest Dr, Boiling Springs, SC, 29055 1207A+5.0 ★Texas Ratio: 4.65% at 6.00%.
Mortgage rates in Ruby, South Carolina (SC) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to South Carolina borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 24, 2026
Ruby, SC Mortgage Rate Trends
Compare local Ruby, SC mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
For buyers in Ruby, SC, the broader South Carolina 30-year fixed average mortgage rate rose 0.637 points this week to 6.495%, according to MonitorBankRates trend data.
For buyers in Ruby, SC, the broader South Carolina 15-year fixed average mortgage rate fell 0.437 points this week to 5.749%, according to MonitorBankRates trend data.
Compare Mortgage Rates Today in Ruby, South Carolina & the Surrounding Area
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For a $300,000 mortgage loan for a term of: 30 years fixed interest rate of 7%, with an APR of 7.197%, the monthly payment would be $1,995.91. Based on 80% loan to value and 1% Discount Points. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. These payments are based on recent interest rates and can vary based on individual credit.
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For a $300,000 mortgage loan for a term of: 15 years fixed interest rate of 5.99%, with an APR of 6.293%, the monthly payment would be $2,529.95. Based on 80% loan to value and 1% Discount Points. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. These payments are based on recent interest rates and can vary based on individual credit.
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For a $300,000 mortgage loan for a term of:; Based on 80% loan to value and 1% Discount Points. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. These payments are based on recent interest rates and can vary based on individual credit.; Adjustable interest rates and payments are subject to increase after the initial fixed-rate period (60 months for a 5/6 ARM, 7 years for a 7/6 ARM and 10 years for a 10/6 ARM).
For a $300,000 mortgage loan for a term of:; Based on 80% loan to value and 1% Discount Points. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. These payments are based on recent interest rates and can vary based on individual credit.; Adjustable interest rates and payments are subject to increase after the initial fixed-rate period (60 months for a 5/6 ARM, 7 years for a 7/6 ARM and 10 years for a 10/6 ARM).
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Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Ruby, South Carolina directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Ruby, South Carolina. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in SC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Ruby, South Carolina
How does my credit score affect my rate in South Carolina?
What is a 30-Year Fixed Mortgage?
What are closing costs in South Carolina?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Ruby, South Carolina?
Do I need 20% down to buy a house in South Carolina?
What is the difference between Interest Rate and APR?
How do I find the best lender in Ruby, South Carolina?
What are the best Mortgage rates in Ruby, South Carolina?
- Carolinas Telco Federal Credit Union: 5.75% (Fixed Rate-First Mortgages 30-Year Fixed)
- Carolina Trust Federal Credit Union: 5.75% (30-year Fixed)
- AllSouth Federal Credit Union: 5.75% (30 Year Fixed)
- SAFE Federal Credit Union: 6.00% (30-Year Fixed)
- Founders Federal Credit Union: 6.00% (30-Year Fixed)
