2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 60686
Date Established 1949
Assets $166.64 million
Loans $107.02 million
Deposits $149.28 million
Capital $17.20 million

Spc is an NCUA insured institution located in Hartsville, SC. It was founded in 1949 and has approximately $166.64 millions in assets.

Field of Membership Restrictions

Membership is open to those who live, attend school or work in Florence, Darlington, or Marlboro Counties in South Carolina. Membership is also open to employees of Sonoco Products Company and its affiliates.

Deposit Rates - October 14, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Fixed IRA
0.60% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.55% $1,000 - Learn MoreShow Less
12 Mo CD
0.60% $1,000 - Learn MoreShow Less
18 Mo CD
0.65% $1,000 - Learn MoreShow Less
30 Mo CD
1.25% $1,000 - Learn MoreShow Less
48 Mo CD
1.50% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $5,000 - Learn MoreShow Less

Loan Rates - October 14, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SPC

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
NMLS ID: 2890
License#: 13256
3.643% 3.625% 0.25 $560 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to SPC
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Spc branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Spc Locations

Financial Details

Spc Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Spc. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Spc U.S. Average
6.87% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Spc had $1,133,000 in non-current loans and $106,095 in owned assets. To cover these potential losses it had $17,201,246 in net worth and $826,896 in loans loss reserves. That gives it a Texas Ratio of 6.87%.

Net Worth
Spc U.S. Average
10.32% 13.65%

Spc FCU has a net worth of 10.32% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Spc

Branches and Savings

What is Spc?

A federal credit union, registered with the NCUA under certificate #60686.
Learn more about credit unions here.

Is Spc FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Spc?

Please see Field of Membership information above for information on who is eligible to join.

What are Spc's share account and share certificate rates?

Spc's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Spc?

Spc has total capital of $17.20 million. Full information on Spc's financial position is located above.

Who owns Spc?

Credit Unions are owned by their members.

Where are Spc branches located?

See branch locations nearby.

Are Spc ATMs Open 24/7?

Do Spc ATMs accept cash deposits?

Can Spc customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Spc have a mobile app?

Does Spc have mobile deposit?

Does Spc have quick pay?

How can Spc transfer money to other banks or credit unions?

Does Spc report to credit bureaus?

Does Spc use Chexsystems?

Does Spc use Equifax?

What is Spc's toll free phone number?

What is Spc's ACH Routing Number?

What is Spc's SWIFT code?

Where can I find Spc's wire transfer form?

What is the Spc address for deposits?

What Products Does Spc Offer

Does Spc offer mortgages?

Compare mortgage rates here.

Does Spc offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Spc offer auto and RV loans?

Compare auto loan rates here.

Does Spc offer student loans or personal loans?

Compare personal loan rates here.

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