South Carolina Mortgage, Auto Loan, HELOC & Personal Loan Rates

As of July 7, 2026, South Carolina offers a 30-year-fixed mortgage at 5.95% APR (5.95% rate, 0 points). Auto loans available from 4.65% APR. HELOC rates from 4.5% APR. Personal loan rates from 3.95% APR.
Source: RateAPI.dev, verified from South Carolina's official website

Mortgage Rates

Rates as of July 7, 2026

30-year-fixed

5.950% APR

Rate5.950%

Points0

1st Mortgage Fixed Rate (in-house up to 30 years)

savings

1.010% APR

Rate1.000%

Points0

Money Management Accounts

savings

1.010% APR

Rate1.000%

Points0

$10,000 to $24,999.99

savings

1.410% APR

Rate1.400%

Points0

$25,000 to $99,999.99

1.510% APR

Rate1.500%

Points0

SCU Certificates

savings

1.510% APR

Rate1.500%

Points0

3+ months

savings

1.760% APR

Rate1.750%

Points0

$100,000+

savings

3.440% APR

Rate3.400%

Points0

18+ months

savings

3.500% APR

Rate3.450%

Points0

24+ months

savings

3.530% APR

Rate3.500%

Points0

6+ months

cd_12mo

3.600% APR

Rate3.550%

Points0

12 months

savings

3.600% APR

Rate3.550%

Points0

12+ months

savings

3.600% APR

Rate3.550%

Points0

48+ months

3.600% APR

Rate3.550%

Points0

Youth Certificates

savings

3.650% APR

Rate3.600%

Points0

60+ months

savings

3.960% APR

Rate3.900%

Points0

16+ months special*

savings

4.320% APR

Rate4.250%

Points0

30+ months special**

savings

5.000% APR

Rate5.000%

Points0

MySCU Loyalty Checking

savings

5.000% APR

Rate5.000%

Points0

$0 to $999.99

Auto Loan Rates

Rates as of July 7, 2026

credit_card

4.650% APR

Rate4.650%

Credit Cards

auto_new

5.750% APR

Rate5.750%

VEHICLES NEW REAL ESTATE

auto

5.950% APR

Rate5.950%

Boats/Motors/Trailers/RV's/Campers/Motor Homes/Motorcycles

auto

5.950% APR

Rate5.950%

OTHER SECURED LOANS (Jet skis, ATV's, etc.)

auto_used

6.950% APR

Rate6.950%

Auto/Truck/Van USED

auto_new

8.450% APR

Rate8.450%

NEW

credit_card_platinum

10.750% APR

Rate10.750%

Signature

credit_card_platinum

10.750% APR

Rate10.750%

Visa Signature

credit_card_platinum

10.900% APR

Rate10.900%

Platinum

auto_new

15.490% APR

Rate15.490%

New Autos, Trucks, Vans

credit_card

15.900% APR

Rate15.900%

Gold

auto_new

16.450% APR

Rate16.450%

New Boats, Motors, Trailers

auto_new

16.450% APR

Rate16.450%

New RVs, Campers, Customized Vans, Motor Homes

auto_used

16.750% APR

Rate16.750%

Used Autos, Trucks, Vans

credit_card

17.900% APR

Rate17.900%

Classic

credit_card_secured

17.900% APR

Rate17.900%

Secured

auto_used

17.950% APR

Rate17.950%

Used Boats, Motors, Trailers

auto_used

17.950% APR

Rate17.950%

Used RVs, Campers, Customized Vans, Motor Homes

HELOC Rates

Rates as of July 7, 2026

heloc_variable

4.500% APR

Rate4.500%

Home Equity Line of Credit

heloc

4.500% APR

Rate4.500%

Home Equity Lines of Credit

Personal Loan Rates

Rates as of July 7, 2026

ploc_variable

3.950% APR

Rate3.950%

Line of Credit/Personal

personal

8.850% APR

Rate8.850%

Consumer loan

personal_secured

17.000% APR

Rate17.000%

Secured for New Equipment (computers, furniture, appliances, etc.)

personal_unsecured

17.990% APR

Rate17.990%

Closed-End Personal Loans

personal

17.990% APR

Rate17.990%

Lines of Credit

personal_secured

18.000% APR

Rate18.000%

Secured for Used Equipment

Frequently Asked Questions

What rates does South Carolina offer?

South Carolina currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 7, 2026 directly from the credit union's official website.

How often are South Carolina rates updated?

RateAPI verifies South Carolina's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 7, 2026.

Where does RateAPI get South Carolina's rate data?

Rate data is collected directly from South Carolina's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is South Carolina's mortgage rate?

As of July 7, 2026, South Carolina offers a 30-year-fixed mortgage at 5.95% APR.

What is South Carolina's auto loan rate?

As of July 7, 2026, South Carolina offers auto loans from 4.65% APR.

Related Rate Data

Compare South Carolina's rates against national credit-union benchmarks.

More South Carolina credit unions Mortgage rate benchmark Auto loan rate benchmark HELOC rates Personal loan rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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Access this data programmatically with our REST API

terminal

# Get rates for South Carolina
curl "https://api.rateapi.dev/credit-unions/south-carolina/caro" \
  -H "Authorization: Bearer YOUR_API_KEY"

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