Mid Carolina Credit Union Facebook
Online Banking and Bill Pay
Order Checks
Rates & Fees
Loan Rates


Type Features Term-APR
Share Certificate Loans Up to 90% of the Certificate Balance Pledged Share Certificate rate
plus -- 3.00% *1
Share Loans up to 90% of the Account Balance Minimum rate of -- 4.00%
Personal Line of Credit terms vary
Rate Range 9.90% to 18.00%
as low as -- 9.90%
Personal Loans (Closed End) terms vary
Rate Range 9.90% to 18.00%
as low as -- 9.90%
Auto New/Used (2014-Present)

terms vary
for qualified borrowers financing up to 100% of sales price New 

or NADA Retail Value Used
Rate Range 1.99% to 13.34%

as low as -- 1.99%
Auto Used (2013 & Older)

up to 100% NADA Retail Value
terms vary
Rate range 2.74% to 14.60%

as low as -- 2.74%
Motorcycles New Motorcycles up to 100% of sales invoice
Used Motorcycles up to 100% NADA retail
terms vary
Maximum 80% financing on Motorcycles classified as Sport Bikes
Rate range from 4.19% to 13.49%
as low as -- 4.19%
Boats Motors & Trailers Up to 100% of Dealer Invoice
terms vary
Rate range 4.19% to 13.49%
as low as -- 4.19%
Credit Cards Rate Range 9.90% to 11.90% as low as -- 9.90%
DW Mobile Home

up to 80% of appraisal

terms vary

call for rate
Garden Tractors, Farm Equipment and other Personal Property New: up to 100% of sales invoice
Used: a percentage of appraised value
terms vary
as low as -- 9.95%
Motor Homes and Campers Rates and terms vary as low as -- 3.59%
Home Equity Loans

80% of appraisal minus 1st mortgage balance
Rate adjusts quarterly with Prime. Call (803)432-5299 or 432-5473 
for details

as low as -- 5.00%
Land Up to 70% of appraised value or purchased price, the lesser of the two 60 months -- 5.00%
120 months -- 5.25%

*Loan rates are subject to change at any time.
Loan Rates listed effective August 5, 2016.

1Maturity of loan not to exceed the maturity of the Share Certificate pledged

Visa Login
Go Mobile
Latest News & Events
Holiday Office Closing
Our offices will be closed Monday, September 4th for the Labor Day holiday. ...(more)

Protect your identity. Come to our shred event with your unwanted personal do ...(more)

Mid Carolina Credit Union hosts groundbreaking for new Lugoff branch facility
(Pictured left to right: Greg Nettles, Mid Carolina CU Chair, Robert Murphy, ...(more)

Discount Ticket Programs Riverbanks Zoo, Carowinds & SC State Museum
RIVERBANKS ZOO DISCOUNT TICKET PROGRAM MCCU members can now buy Riverbanks Z ...(more)

Hurry! Limited Time CD Special
*APY= Annual Percentage Yield. Minimum deposit of $1000 to open a Retail (non- ...(more)

Report Lost/Stolen Card
Quick Links & Applications
Apply For Loan
Online Banking
Home & Family Finance
Copyright © 2013 by Mid Carolina Credit Union | Site Design by JSS Enterprises, Inc.
719 Highway 1 South, Lugoff, SC 29078
803-432-8521 or 1-800-433-5226
Verified by Visa