Save & Borrow

If you’re looking for a one-stop shop for borrowing, saving, and investing with a personal touch, you’ve found it at SPC Credit Union! Our Lending Department offers a full portfolio of loan options to help you through life, whether you’re buying a car, renovating a room, or just need a little extra cushion to get you through! Get started with an auto, recreational vehicle, or personal loan today by visiting one of our branches in Hartsville, Darlington, Florence, Cheraw, or Bennettsville, or starting your loan application online today!

Hoping to settle down in a home of your own? We’d love to help you with a home loan! Our mortgage professionals will walk you through the process, no matter what phase of life you’re in. We welcome first-time homebuyers, existing homeowners looking to refinance or take out a second mortgage, individuals with an eye for an empty piece of land, and everyone in between! Work with us to get the home or real-estate loan that works for you. Get started today by visiting our Mortgage & Lending Center at 124 N. 5th Street in Hartsville, emailing one of our Mortgage professionals, or submitting your loan application online today!

If your sights are set on saving, we can do that, too! In addition to our basic savings accounts, we also offer Life+ Savings, a High Yield Savings Account that is a benefit of Life+ Checking account holders; & Share Certificates (also know as CDs) ranging from 6-48 months, many with minimum deposit requirements of just $1,000. Get the most out of your money by transferring it into a CD today! Contact a Financial Services representative via email, chat/call on SPC’s Virtual Branch, or in person at one of our branches in Hartsville, Darlington, Bennettsville, or Florence to get started.

Interested in investing? We’d love to connect you with a wealth management expert to bring you closer to your financial goals–whether they include setting up a college savings plan, purchasing a vacation home, or planning for retirement.

If you’ve taken a look at our lending and investment rates, you’ve probably noticed our rates tend to be highly competitive when compared to other financial institutions around town. Because we’re a credit union, our profits go back to our Members–(that’s you!)–not up to C-suite execs and shareholders, like banks. PLUS, our focus on people over profits means that our Members benefit from minimal account fees, higher earnings on deposit accounts, and lower loan rates. At SPC Credit Union, our mission is Members First. Always. You’ll get to experience the benefits of personal, professional lending decisions and other financial services firsthand when you borrow and invest with us.

Contact a member of our team today to take the next step to borrow or invest with SPC!

Don’t let the unexpected be…quite so unexpected. Make a plan to protect yourself from the curveballs of life with loan coverage through SPC Debt Protection. SPC Debt Protection is a voluntary loan payment protection plan that helps preserve your family’s standard of living if a protected life event–such as disability, loss of life, or involuntary unemployment–happens to you. With SPC Debt Protection, you have relief from the financial burden of delinquency, default, or foreclosure. Give our team a call today to ask about how you can protect your loans–and your family–from life’s curveballs with SPC Debt Protection.

*Your purchase of MEMBER’S CHOICE™ Borrower Security is optional and will not affect your application for credit or terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER’S CHOICE™ Borrower Security.