At a glance
From its website, read 2 Nov 2026Berkeley Community Federal Credit Union is a credit union based in Moncks Corner, South Carolina. Its website describes auto loans and personal loans. Stated loan amounts run up to $10,000.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (843) 761-8298 source |
|---|---|
| Toll-free | (800) 858-0047 source |
| Website | www.berkcofcu.com |
| Office (official list) | 600 Main Street Ext, Moncks Corner, SC 29461 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | As low as 7.00% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | As low as 3.75% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | As low as 4.00% | source |
| Auto / vehicle loans | Term: see their wording | We currently offer terms of up to 72 months | source |
| Personal / consumer loans | Term: see their wording | We currently offer personal installment loans with terms of up to 48 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 24 Mar 2023 |
| RSSD ID | 652089 |
| Address | 600 Main Street Ext, Moncks Corner, SC 29461 Directions (Google Maps) |
| Website | www.berkcofcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Membership is tied to the Berkeley County School District per the home page, but no geographic service area is stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | BCFCU offers competitive financing on new and used automobiles, boats & accessories, motorcycles, campers & travel trailers and motor homes. | source |
| Personal / consumer loans | up to $10,000 | We currently offer personal installment loans with terms of up to 48 months and loan amounts of up to $10,000.00 (with approved credit). | source |
Loan sizes
We currently offer personal installment loans with terms of up to 48 months and loan amounts of up to $10,000.00 (with approved credit).
sourceOur personal line of credit also offers credit limits of up to $6,000 on a revolving basis with variable interest rates.
source
Range used for the size filter: not stated to $10,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - Is there a minimum loan amount?
Their website gives a maximum ($10,000) but no minimum. - What is the APR, including fees, on your auto loans and personal loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$300,000 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as BERKELEY COMMUNITY (charter 13472). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $16.6 million (as of 30 Jun 2026) |
|---|---|
| Members | 2,103 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
South Carolina (1 office)
- Berkeley County (1): 600 Main Street Ext, Moncks Corner 29461 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Berkeley Community Federal Credit Union (NCUA charter 13472, filed as “BERKELEY COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $4.6 million, 1,688 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 10.7% from $5.2 million on 30 Jun 2025 |
| Members | 2,103 (as of 30 Jun 2026); 2,552 (as of 30 Jun 2025) |
| Loans per member | $2,190 (total loans divided by members, 30 Jun 2026) |
| Total assets | $16.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $1.1 million | 23.4% |
| Used vehicle loans | $2.2 million | 48.7% |
| Other unsecured loans | $900,870 | 19.6% |
| Leases and other secured loans | $381,868 | 8.3% |
None reported on the 30 Jun 2026 report: first-lien home mortgages (1-4 family); other real estate loans (junior liens, other); commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $10,000 | Other credit unions whose website states a maximum: median $62,500. Higher than the stated maximum of 0% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $16.6 million | Larger than 0% of the 9 other certified credit unions in South Carolina (median $174.9 million). |
| Loans as a share of assets | 28% | Median of the same 9 credit unions: 63%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $5.2 million → $4.6 million (-11%) | Median change of 9 other certified credit unions in South Carolina: +3%. Rank by loans held among these 10: 10 → 10. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 0% |
| Call Report total assets | other certified credit unions in South Carolina | 9 | larger than 0% |
| Loans held then vs now | certified credit unions in South Carolina reporting both dates | 9 | rank 10 → 10 of 10 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Moncks Corner and South Carolina
- Business Development Corp of SCLoan fund · Columbia, SCCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- CLIMB FundLoan fund · Charleston, SCCommercial real estate loans, Microloans, Small-business loansVerified
- Carolina Foothills FCUCredit union · Spartanburg, SCAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- CommunityWorksLoan fund · Greenville, SCCredit-builder loans, Microloans, Small-business loansVerified
- EDISTO FEDERAL CREDIT UNIONCredit union · Orangeburg, SCVerified
- HopeSouth FCUCredit union · Abbeville, SCAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at Berkeley Community Federal Credit Union? Link to this page
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