At a glance
From its website, read 2 Nov 2026HopeSouth FCU is a credit union based in Abbeville, South Carolina. Its website describes auto loans, home mortgages and personal loans. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Phone | (864) 366-9602 source |
|---|---|
| Apply online | Page with the application link |
| Website | hopesouth.org |
| Office (official list) | 807 W Greenwood St, Abbeville, SC 29620 |
What their website says about applying
Apply online, call us, or stop by to talk with someone in person.
sourceInterested in a new or new to you, car? Fill out the form below!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Minimum credit score: 620
Minimum credit score of 620
source - No or thin credit history considered
No credit? No problem. We’re here to help!
source - Low or damaged credit considered
Even if you’ve been turned down before, it’s worth a conversation. At HopeSouth, we look at people, not just credit scores.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Oct 2026 |
| RSSD ID | 681687 |
| Address | 807 W Greenwood St, Abbeville, SC 29620 Directions (Google Maps) |
| Website | hopesouth.org |
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. No loan amount ranges or service area were stated on the pages fetched. 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 | — | Why Choose HopeSouth Auto Loans? | source |
| Home mortgages | — | We can help provide financing for all types of home mortgage loans, including: | source |
| Personal / consumer loans | — | A simple, local personal loan could help you: | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply online, call us, or stop by to talk with someone in person.
source
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. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
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$3.4 million in 6 awards from the U.S. Treasury's CDFI Fund, 2013–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2018 | CDFI Program, Financial Assistance | $500,000 |
| 2013 | CDFI Program, Technical Assistance | $99,995 |
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 HOPESOUTH (charter 20824). 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 | $39.4 million (as of 30 Jun 2026) |
|---|---|
| Members | 3,894 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
South Carolina (1 office)
- Abbeville County (1): 807 W Greenwood St, Abbeville 29620 (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 HopeSouth FCU (NCUA charter 20824, filed as “HOPESOUTH”). 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 | $15.5 million, 3,532 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 0.3% from $15.5 million on 30 Jun 2025 |
| Members | 3,894 (as of 30 Jun 2026); 3,755 (as of 30 Jun 2025) |
| Loans per member | $3,989 (total loans divided by members, 30 Jun 2026) |
| Total assets | $39.4 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $595,403 | 3.8% |
| Used vehicle loans | $10.1 million | 64.9% |
| Credit cards | $874,496 | 5.6% |
| Other unsecured loans | $2.8 million | 18.0% |
| Leases and other secured loans | $1.2 million | 7.7% |
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.
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 |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $39.4 million | Larger than 22% of the 9 other certified credit unions in South Carolina (median $174.9 million). |
| Loans as a share of assets | 39% | 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 | $15.5 million → $15.5 million (+0%) | Median change of 9 other certified credit unions in South Carolina: +3%. Rank by loans held among these 10: 8 → 8. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in South Carolina | 9 | larger than 22% |
| Loans held then vs now | certified credit unions in South Carolina reporting both dates | 9 | rank 8 → 8 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 Abbeville and South Carolina
- Berkeley Community Federal Credit UnionCredit union · Moncks Corner, SCAuto / vehicle loans, Personal / consumer loansVerified
- 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
Work at HopeSouth FCU? Link to this page
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