Credit Union Loan Rates | South Carolina

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Shop our loan rates here! Plus, try out our Loan Calculators to estimate what loan amount you can afford to borrow, what your loan payment could be based on APR* and term, what the future value of your investment could be, and more!

Loan Rates

SPC Credit Union is your one-stop shop for lending. We look forward to working with you, whether you’re hoping to buy your first home, planning to purchase a car, or building a strategy for your bathroom renovation. If you’re a business owner or potential homebuyer interested in learning about our commercial and mortgage rates, email one of our Mortgage or Lending specialists, or use our Virtual Branch widget in the bottom right corner to chat, call, or video call with an associate from the convenience of your home, office, or wherever else you find yourself! (SPC’s Virtual Branch is available from 8:30am-5:00pm. Use our Help widget for after hours assistance.)

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Consumer Loan Rates

Rates effective June 1, 2023

Premium Auto (New or Used) up to 48,000 Miles

Rates for Premium Auto (New or Used) up to 48,000 Miles
Approx. Term (months)	Minimum	Annual Percentage Rate as low as*
48	--	5.49%
60	--	6.49%
72	$25K Minimum	7.49%

Previously Titled (48K - 100K Miles)

Rates for Previously Titled (48K - 100K Miles)
Approx. Term (months)	Minimum	Annual Percentage Rate as low as*
60	--	7.49%
72	$25K Minimum	8.49%

Used Autos (> 100K miles)

Rates for Used Autos (> 100K miles)
Approx. Term (months)	Minimum	Annual Percentage Rate as low as*
48	--	8.49%
60	--	9.49%

New Boats, Motor Homes, Motorcycles, & Recreational Vehicles

Rates for New Boats, Motor Homes, Motorcycles, & Recreational Vehicles
Approx. Term (months)	Minimum	Annual Percentage Rate as low as*
60	--	6.49%
72	$25K Minimum	7.49%
84	$40K Minimum	8.49%
96	$50K Minimum	9.49%
120	$75K Minimum	10.49%

Used Boats, Motor Homes, Motorcycles, & Recreational Vehicles

Rates for Used Boats, Motor Homes, Motorcycles, & Recreational Vehicles
Approx. Term (months)	Minimum	Annual Percentage Rate as low as*
60	--	7.49%
72	$25K Minimum	8.49%
84	$40K Minimum	10.49%

Personal Loans and Lines of Credit

Rates for Personal Loans and Lines of Credit
Approx. Term (months)	Minimum	Annual Percentage Rate as low as*
--	--	10.00%

_{*Individual Rates are determined based upon borrower's credit history and Credit Union underwriting standards. Terms and conditions subject to change without notice. Ask a Financial Services Representative for information and criteria.} _{**Payment Example: $30,000 at 5.49% for 60 months = Payment of $572.90}

Loan Calculators

Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee the accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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Loan Rates & Calculators