SPC Credit Union (SC)

Overview / Commentary

www.spccu.org

843-332-4506

204 N 5th St
Hartsville, SC 29550

SPC Credit Union (SC) is headquartered in Hartsville and is the 16^th largest credit union in the state of South Carolina. It is also the 1,155^th largest credit union in the nation. It was established in 1949 and as of December of 2021, it had grown to 66 employees and 23,530 members at 6 locations. SPC Credit Union (SC) has an A health rating.

Field of Membership Restrictions

SPC Credit Union 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.
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Health

Data as of Q4 2021

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Health Grade Components

Overall
NCUA #	60686
Year Chartered	1949
Employees	66
Primary Regulator

Profit Margin
Return on Assets - YTD	0.49%
Return on Equity - YTD	7.22%
Annual Interest Income	$6.8MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$231.6MM$207.7MM
Loans	Q4 2021vs Q4 2020	$134.4MM$114.3MM
Deposits	Q4 2021vs Q4 2020	$213.3MM$189.2MM
Equity Capital	Q4 2021vs Q4 2020	$15.7MM$14.2MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$852.00K$885.00K
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$568.00K$949.00K
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
Checking
CD
IRA

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SPC Credit Union (SC) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	IRA Account
0.10%	$25	-	Savings Account
0.10%	-	-	Christmas Club
0.10%	-	-	Vacation Club

SPC Credit Union (SC) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$5k	-	SPC Anytime Checking
0.05%	$5k	-	SPC Primetime Checking

SPC Credit Union (SC) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$1k	-	48 Month Share Certificate
0.65%	$1k	-	30 Month Share Certificate
0.55%	$25k	-	9 Month Share Certificate
0.55%	$25k	-	24 Month Share Certificate
0.40%	$1k	-	18 Month Share Certificate
0.35%	$1k	-	12 Month Share Certificate
0.30%	$1k	-	6 Month Share Certificate
0.30%	$500	-	6 Month Youth Share Certificate

SPC Credit Union (SC) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$1k	-	48 Month IRA Certificate
0.55%	$1k	-	30 Month IRA Certificate
0.40%	$1k	-	18 Month IRA Certificate
0.35%	$1k	-	12 Month IRA Certificate
0.30%	$1k	-	6 Month IRA Certificate

Locations

SPC Credit Union (SC) Locations
Branch Office	1312 Celebration Blvd	Florence, SC 29501
Branch Office	204 15/401 By-Pass East	Bennettsville, SC 29512-4440
Branch Office	204 N 5th St	Hartsville, SC 29550-4136
Branch Office	609 N Main St	Darlington, SC 29532-2145
Branch Office	448 Novelty Ave	Hartsville, SC 29550
Branch Office	124 N 5th St	Hartsville, SC 29550-4134

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