--- title: "Best Credit Union Mortgage Rates in Florence" description: "Florence credit union mortgage rates, November 2026: 30-year fixed from 6.535% APR at Spero Financial, 15-year from 6.435% APR. 6 South Carolina lenders compared from real rate sheets — no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/south-carolina/florence" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mortgage Rates in Florence Florence credit union mortgage rates, November 2026: 30-year fixed from 6.535% APR at Spero Financial, 15-year fixed from 6.435% APR. 6 South Carolina lenders compared from real rate sheets — no paid ranking. Updated November 2026 South Carolina Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Florence credit unions range from **6.535%** to **7.872% APR** (median 7.201%) across 6 South Carolina lenders, as of November 2026. Rates are ranked by true cost with zero affiliate bias. See our [methodology](https://rateapi.dev/methodology) for how these figures are collected. [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / [South Carolina](https://rateapi.dev/mortgage-rates/south-carolina) / Florence 6.535% Lowest 30yr APR Spero Financial 7.201% Median APR 7.872% Highest APR 6 South Carolina Lenders Florence mortgage rates range from 6.535% to 7.872% APR for 30-year fixed loans. Data from 29 credit unions in South Carolina, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/south-carolina/florence) ## Top Credit Unions for Florence Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Family Trust Credit Union 30-Year Fixed | 6.625% | 7.1% | $2,688/mo | [Visit Site](https://www.familytrust.org/) | Safe Credit Union 30-Year Fixed | 7.177% | 7.177% | $2,709/mo | [Visit Site](https://www.safefed.org/) | Allsouth Credit Union 30-Year Fixed | 7% | 7.43% | $2,778/mo | [Visit Site](https://www.allsouth.org/) | Carolina Trust Credit Union 30-Year Fixed | 7.75% | 7.872% | $2,899/mo | [Visit Site](https://www.carolinatrust.org/) | ## 30-Year vs 15-Year Fixed in Florence The lowest 15-year fixed APR from credit unions serving Florence is 6.435%, versus 6.535% for a 30-year — a 0.100-point spread. Credit union medians: 7.221% (15-year) and 7.201% (30-year). | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 6.535% | Spero Financial | 7.201% | 6 | | 15-Year Fixed | 6.435% | Carolina Trust | 7.221% | 2 | Rates as of November 13, 2026, from published South Carolina credit union rate sheets. ## How to Get the Best Mortgage Rate in Florence Credit unions serving Florence often offer lower mortgage rates than traditional banks because they're member-owned non-profits. Here's how to qualify for the best rates: 1 #### Check Your Credit Score Scores above 740 typically qualify for the best rates in Florence. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Florence have flexible membership requirements. Some are open to anyone who lives, works, or worships in South Carolina. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Florence home loan. Compare at least 3-5 lenders. 4 #### Consider Points Paying points upfront can lower your rate. This makes sense if you plan to stay in your Florence home long-term. ## Credit Unions Based in Florence 5 credit unions are headquartered in Florence. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area. [Nucor Employee's Credit Union rates](https://rateapi.dev/credit-unions/south-carolina/nucor-employees) [Palmetto First Credit Union rates](https://rateapi.dev/credit-unions/south-carolina/palmetto-first) [Pee Dee Credit Union rates](https://rateapi.dev/credit-unions/south-carolina/pee-dee) [S C I Credit Union rates](https://rateapi.dev/credit-unions/south-carolina/s-c-i) [Trinity Baptist Church Credit Union rates](https://rateapi.dev/credit-unions/south-carolina/trinity-baptist-church) ### Mortgage Rates in South Carolina [All South Carolina Rates](https://rateapi.dev/mortgage-rates/south-carolina) [Columbia](https://rateapi.dev/mortgage-rates/south-carolina/columbia) [Greenville](https://rateapi.dev/mortgage-rates/south-carolina/greenville) [Greenwood](https://rateapi.dev/mortgage-rates/south-carolina/greenwood) [Anderson](https://rateapi.dev/mortgage-rates/south-carolina/anderson) [Charleston](https://rateapi.dev/mortgage-rates/south-carolina/charleston) ### Other Loan Products [South Carolina Credit Unions](https://rateapi.dev/credit-unions/south-carolina) [National Mortgage Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [HELOC Rates](https://rateapi.dev/heloc-rates) [Auto Loan Rates](https://rateapi.dev/auto-loan-rates) [Personal Loan Rates](https://rateapi.dev/personal-loan-rates) ## Frequently Asked Questions Common questions about mortgage rates in Florence As of November 2026, 30-year fixed mortgage rates in the Florence metro area range from 6.535% to 7.872% APR across credit unions serving South Carolina. The median rate is 7.201% APR. What are the current mortgage rates in Florence? To get the best mortgage rate in Florence: 1) Compare rates from multiple credit unions serving the Florence metro area, 2) Improve your credit score above 740, 3) Consider paying points upfront for a lower rate, 4) Shop within a 14-day window to minimize credit score impact, 5) Get pre-approved before house hunting. How do I get the best mortgage rate in Florence? Yes, credit unions serving Florence, South Carolina typically offer lower mortgage rates than traditional banks. Because credit unions are member-owned non-profits, they return savings to members through lower rates and fees. On a $400,000 mortgage, this can save $50,000-$100,000 over 30 years. Are credit union mortgage rates lower in Florence? For the best mortgage rates in Florence, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Credit unions in South Carolina have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Florence? How much house you can afford in Florence depends on your income, debts, down payment, and current mortgage rates. Most lenders prefer your total housing costs (including taxes and insurance) to be below 28% of gross income. Use current Florence rates to calculate your maximum affordable home price. How much house can I afford in Florence? ### Mortgage Rates in Other South Carolina Cities [Columbia](https://rateapi.dev/mortgage-rates/south-carolina/columbia) [Greenville](https://rateapi.dev/mortgage-rates/south-carolina/greenville) [Greenwood](https://rateapi.dev/mortgage-rates/south-carolina/greenwood) [Anderson](https://rateapi.dev/mortgage-rates/south-carolina/anderson) [Charleston](https://rateapi.dev/mortgage-rates/south-carolina/charleston) [North Charlesto](https://rateapi.dev/mortgage-rates/south-carolina/north-charlesto) [North Charleston](https://rateapi.dev/mortgage-rates/south-carolina/north-charleston) [Rock Hill](https://rateapi.dev/mortgage-rates/south-carolina/rock-hill) [Summerville](https://rateapi.dev/mortgage-rates/south-carolina/summerville) [Spartanburg](https://rateapi.dev/mortgage-rates/south-carolina/spartanburg) [Myrtle Beach](https://rateapi.dev/mortgage-rates/south-carolina/myrtle-beach) ### Mortgage Rates by State [Alabama](https://rateapi.dev/mortgage-rates/alabama) [Alaska](https://rateapi.dev/mortgage-rates/alaska) [Arizona](https://rateapi.dev/mortgage-rates/arizona) [Arkansas](https://rateapi.dev/mortgage-rates/arkansas) [California](https://rateapi.dev/mortgage-rates/california) [Colorado](https://rateapi.dev/mortgage-rates/colorado) [Connecticut](https://rateapi.dev/mortgage-rates/connecticut) [Delaware](https://rateapi.dev/mortgage-rates/delaware) [Florida](https://rateapi.dev/mortgage-rates/florida) [Georgia](https://rateapi.dev/mortgage-rates/georgia) [Hawaii](https://rateapi.dev/mortgage-rates/hawaii) [Idaho](https://rateapi.dev/mortgage-rates/idaho) [Illinois](https://rateapi.dev/mortgage-rates/illinois) [Indiana](https://rateapi.dev/mortgage-rates/indiana) [Iowa](https://rateapi.dev/mortgage-rates/iowa) [Kansas](https://rateapi.dev/mortgage-rates/kansas) [Kentucky](https://rateapi.dev/mortgage-rates/kentucky) [Louisiana](https://rateapi.dev/mortgage-rates/louisiana) [Maine](https://rateapi.dev/mortgage-rates/maine) [Maryland](https://rateapi.dev/mortgage-rates/maryland) [Massachusetts](https://rateapi.dev/mortgage-rates/massachusetts) [Michigan](https://rateapi.dev/mortgage-rates/michigan) [Minnesota](https://rateapi.dev/mortgage-rates/minnesota) [Mississippi](https://rateapi.dev/mortgage-rates/mississippi) [Missouri](https://rateapi.dev/mortgage-rates/missouri) [Montana](https://rateapi.dev/mortgage-rates/montana) [Nebraska](https://rateapi.dev/mortgage-rates/nebraska) [Nevada](https://rateapi.dev/mortgage-rates/nevada) [New Hampshire](https://rateapi.dev/mortgage-rates/new-hampshire) [New Jersey](https://rateapi.dev/mortgage-rates/new-jersey) [New Mexico](https://rateapi.dev/mortgage-rates/new-mexico) [New York](https://rateapi.dev/mortgage-rates/new-york) [North Carolina](https://rateapi.dev/mortgage-rates/north-carolina) [North Dakota](https://rateapi.dev/mortgage-rates/north-dakota) [Ohio](https://rateapi.dev/mortgage-rates/ohio) [Oklahoma](https://rateapi.dev/mortgage-rates/oklahoma) [Oregon](https://rateapi.dev/mortgage-rates/oregon) [Pennsylvania](https://rateapi.dev/mortgage-rates/pennsylvania) [Rhode Island](https://rateapi.dev/mortgage-rates/rhode-island) [South Carolina](https://rateapi.dev/mortgage-rates/south-carolina) [South Dakota](https://rateapi.dev/mortgage-rates/south-dakota) [Tennessee](https://rateapi.dev/mortgage-rates/tennessee) [Texas](https://rateapi.dev/mortgage-rates/texas) [Utah](https://rateapi.dev/mortgage-rates/utah) [Vermont](https://rateapi.dev/mortgage-rates/vermont) [Virginia](https://rateapi.dev/mortgage-rates/virginia) [Washington](https://rateapi.dev/mortgage-rates/washington) [West Virginia](https://rateapi.dev/mortgage-rates/west-virginia) [Wisconsin](https://rateapi.dev/mortgage-rates/wisconsin) [Wyoming](https://rateapi.dev/mortgage-rates/wyoming) [District of Columbia](https://rateapi.dev/mortgage-rates/district-of-columbia) ## Build With RateAPI Access real-time mortgage rate data from credit unions across South Carolina via our REST API. 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