Mid Carolina Credit Union

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A short history of Mid Carolina CU

Since its inception in 1961 the Mid Carolina Credit Union has been serving its members in the LUGOFF, South Carolina area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by William Conley, the Mid Carolina CU has grown its membership to over 14,586 with assets of more than $133,368,872. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (803) 432-8521 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in LUGOFF, SC.

General Information For Mid Carolina CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 60735
Address PO BOX 549 
State South Carolina 
Zip-Code 29078
Phone Number (803) 432-8521
Fax Number (803) 425-1936
Email Address: none
CEO/President William Conley
Members 14,586 
Full-Time Employees 38 
Part-Time Employees
Number of Branch Offices
Total Assets 133,368,872 
Website http://www.midcarolinacu.com 

Compare Mid Carolina Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Allsouth CU Batesburg-Leesville 244 W Columbia Ave 29078 (803) 532-6564 No 17.18
Carolina Collegiate CU Branch-10 4480 Rosewood Dr 29209 (803) 227-5555 No 21.05
South Carolina Methodist Conf CU Main Office 4901 Colonial Dr 29211 (803) 691-0037 No 21.21
Palmetto Health CU Palmetto Health Credit Union - Richland Branch 9 Richland Medical Park Dr 29202 (803) 978-2101 No 22.90
Palmetto Citizens CU Palmetto Citizens FCU - West Columbia 2120 Sunset Blvd 29169 (803) 732-5000 No 22.96

Mid Carolina Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Mid Carolina Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 3.50 4.06 4.14 4.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 209 210 162 200
Rank Among All South Carolina Credit Unions 9 22 15 13 14

Mid Carolina Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.19 N/A 1.01 1.10
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 110 N/A 170 145
Rank Among All South Carolina Credit Unions N/A 7 N/A 8 4
Mid Carolina Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9006481,517,877
All Other Unsecured Loans/Lines of Credit 11.4901,1333,901,120
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.5001,28634,200,713
Used Vehicle Loans 4.0602,90837,010,842
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.14025815,003,387
Total Other Real Estate Loans/Lines of Credit 4.7501262,834,810
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.4704695,817,735
TOTAL LOANS & LEASES 6,828100,286,484

Mid Carolina Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 314,169,813141,918,018
    b. 15 Years or less 1428,229,364201,565,870
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 16628,81300
Adjustable Rate 1 yr or less 691,975,39700
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 223,67800
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1242,811,1324190,000
Open-End Fixed Rate 0000
TOTALS 38417,838,197383,673,888


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Mid Carolina Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes