--- title: "Santee Cooper Credit Union Rates (Nov 2026): Vehicle 4.24%" description: "Santee Cooper Credit Union has the lowest tracked new-car loan rate in South Carolina (4.74% APR) among 16 credit unions we verify. Santee Cooper Credit Union rates today: vehicle loans from 4.24% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Santee Cooper Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/south-carolina/santee-cooper-credit-union" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Santee Cooper Credit Union Rates (Nov 2026): Vehicle 4.24% ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **New/Used Vehicles (financing up to 36 months)** auto_any_36mo | 4.240% APR | 4.240% | 36 mo · any | Standard | | **Used Auto Loan** auto_used | — APR | 4.740% | used | Standard | | **New Vehicles (financing up to 60 months)** auto_new_60mo | 4.740% APR | 4.740% | 60 mo · new | Standard | | **New Auto Loan** auto_new | — APR | 4.740% | new | Standard | | **New Vehicles (financing up to 75 months)** auto_new_75mo | — APR | 4.990% | 75 mo · new | Standard | | **Used Titled Security (RV's, ATV's, Motorcycles, Boats)** rv_used | — APR | 5.740% | used | Standard | | **New Boat Loan** boat_new | — APR | 5.740% | new | Standard | | **New Titled Security (RV's, ATV's, Motorcycles, Boats)** rv_new | 5.740% APR | 5.740% | new | Standard | Santee Cooper Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.000% | — | Standard | Santee Cooper Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Share Certificate Loans (up to maturity of certificate)** personal | — APR | 2.000% | — | Standard | | **Share Loans (up to 24 months)** personal_unsecured_24mo | — APR | 3.000% | 24 mo | Standard | | **Share Loans (up to 60 months)** personal_unsecured_60mo | — APR | 5.000% | 60 mo | Standard | | **Signature/Line of Credit** ploc_variable | — APR | 9.990% | — | Standard | Santee Cooper Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 11.990% | — | Standard | | **Visa® Classic Credit Card** credit_card | — APR | 13.990% | — | Standard | Santee Cooper Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Certificate** cd | — APY | 4.25% | — | Standard | Santee Cooper Credit Union savings & cd rates as of November 13, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Equipment Loan** equipment | — APR | 7.990% | — | Standard | Santee Cooper Credit Union equipment loan rates as of November 13, 2026 Vehicle loans available from 4.24% APR for 36 months. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/south-carolina/santee-cooper-credit-union) , verified from [Santee Cooper Credit Union's official website](https://www.santeecoopercreditunion.com/) Best product position **#1 of 16** new-car loan Gap to state best **0 bp** State market leader Vs. state median **70 bp better than median** new-car loan Products ranked **1** across tracked South Carolina markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.74% | #1 of 16 · lowest in South Carolina | State market leader | 70 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Santee Cooper Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=santee-cooper-credit-union&state=south-carolina&code=SC&name=Santee%20Cooper%20Credit%20Union) Loading branch locator… ## About Santee Cooper Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.2K Assets $92.9M Founded 1953 Locations reported 2 NCUA charter 60745 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Rev** Moncks Corner · Moncks Corner · SC · 29461-3763 About 1.6 miles away](https://rateapi.dev/credit-unions/south-carolina/rev) [**South Carolina** Moncks Corner · Moncks Corner · SC · 29461-3968 About 2.4 miles away](https://rateapi.dev/credit-unions/south-carolina/south-carolina) [**Berkeley Community** Berkeley Community Federal Credit Union · Moncks Corner · SC · 29461-3939 About 2.8 miles away](https://rateapi.dev/credit-unions/south-carolina/berkeley-community) [**Navy Federal Credit Union** Goose Creek SC · Goose Creek · SC · 29445 About 10.0 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Bayer Heritage** Goose Creek · Goose Creek · SC · 29445-2969 About 11.7 miles away](https://rateapi.dev/credit-unions/west-virginia/bayer-heritage) [**CPM** Summerville · Summerville · SC · 29486-2162 About 11.7 miles away](https://rateapi.dev/credit-unions/south-carolina/cpm) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Santee Cooper Credit Union Membership eligibility from Santee Cooper Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Santee Cooper Credit Union's website. Check the membership page below to confirm whether you qualify. - Location berkeley, horry — SC Verified from [Santee Cooper Credit Union's membership page](https://www.santeecoopercreditunion.com/) . Final membership determination is always made by the credit union. ## Membership rules for Santee Cooper Credit Union Geography 2 counties 6 published paths to membership, last verified August 27, 2026, quoted from Santee Cooper Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Berkeley County, SC - Horry County, SC “As long as you live, work or attend school in either Berkeley or Horry County, South Carolina, you are eligible for membership.” > [source ↗](https://www.santeecoopercreditunion.com/) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Santee Cooper Credit Union? Yes No ## Work at Santee Cooper Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Santee Cooper Credit Union ranks against South Carolina peers. - See which AI assistants fetched Santee Cooper Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in South Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=santee-cooper-credit-union&state=south-carolina&code=SC&name=Santee%20Cooper%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Santee Cooper Credit Union offer? Santee Cooper Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Santee Cooper Credit Union rates updated? RateAPI verifies Santee Cooper Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Santee Cooper Credit Union's rate data? Rate data is collected directly from Santee Cooper Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Santee Cooper Credit Union's auto, rv & boat loan rates? As of November 13, 2026, Santee Cooper Credit Union offers vehicle loans from 4.24% APR. ### Who can join Santee Cooper Credit Union? Santee Cooper Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 2 counties for Santee Cooper Credit Union, each quoted from Santee Cooper Credit Union's own published membership criteria. ## Related Rate Data Compare Santee Cooper Credit Union's rates against national credit-union benchmarks. [More South Carolina credit unions](https://rateapi.dev/credit-unions/south-carolina) [South Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/south-carolina) [South Carolina HELOC rate leaders](https://rateapi.dev/heloc-rates/south-carolina) [South Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/south-carolina) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.santeecoopercreditunion.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Santee Cooper Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when South Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Santee Cooper Credit Union curl "https://api.rateapi.dev/credit-unions/south-carolina /santee-cooper-credit-union " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Santee Cooper Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/south-carolina/santee-cooper-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp