SPC Credit Union

What their website says about applying

• Speak with our friendly loan specialists for personalized assistance; call source
• to inquire about eligibility for the Down Payment Assistance five-year forgivable loan program. 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.

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.

• Minimum credit score: 620 Credit score of 620 or higher source
• Income limit applies Individual or household income at or below 100% Area Median Income (AMI) source
• First-time homebuyer program Down Payment Assistance loans are available to first-time homebuyers source
• Homebuyer education required Completion of the Fannie Mae Home Ownership online course (with certificate) source
• Membership required Applicants must qualify for membership at SPCCU. source
• Low or damaged credit considered If you have outstanding debt, a low credit score, or have experienced other financial issues but are hoping to buy a home, you may want to look into an FHA Loan. source

Only rules the lender's own pages state. Other requirements may apply.

Read 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: high. Business lending products were not described on the pages fetched. Terms change — confirm with the lender before applying.

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.

1. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
2. What is the APR, including fees, on your auto loans and home mortgages?
   Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
3. 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.

On file with the NCUA as SPC (charter 60686). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

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).

Figures from the 5300 Call Report filed by SPC Credit Union (NCUA charter 60686, filed as “SPC”). 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.

Loan mix (balances on 30 Jun 2026)

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.

SPC Credit Union reported 20 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $3.9M (median loan about $160,000). 16 were home-purchase loans.

Included above: 3 loans on manufactured homes.

Where the loans were made

Counties with the most 2025 originations, out of 3 counties with at least one; 100% of its 2025 loans were for properties in South Carolina:

• Darlington County, SC (13)
• Florence County, SC (4)
• Marlboro County, SC (3)

Filed under LEI 5493003CWPNX7EZ46462 as “SPC Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

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). Home loans: FFIEC/CFPB HMDA data.

Other certified CDFIs in Hartsville 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

All 20 CDFIs in South Carolina