2024 Overview
General Credit Union Information
Mid Carolina is an NCUA insured institution located in Lugoff, SC. It was founded in 1961 and has approximately $168.34 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60735 |
| Date Established | 1961 |
| Assets | $168.34 million |
| Loans | $103.49 million |
| Deposits | $152.87 million |
| Capital | $21.51 million |
Field of Membership Restrictions
Membership is open to those who live, attend school or work in Richland or Kershaw Counties. Membership is also open to employees of Invista Camden Plant, Lugoff Regional Assembly, Lugoff Toyota, Lugoff Ford, Mundy Industrial Contractors, Inc., Sentinal Health Partners.
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.21% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.21% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.41% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.41% | $100,000 | $199,999 |
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|
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Mid Carolina
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.865% | 6.750% | 1.00 | $3,775 | $2,076 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 399801 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to Mid Carolina
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Branches
Below are Mid Carolina branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Mid Carolina Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 414.68 | A | View Lobby Hours | |
| 414.89 | B | View Lobby Hours | |
| 416.88 | C | View Lobby Hours |
Climate Policy and Initiatives
MID CAROLINA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Mid Carolina Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Mid Carolina. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Mid Carolina | U.S. Average |
|---|---|
| 3.75% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Mid Carolina had $811,483 in non-current loans and $12,500 in owned assets. To cover these potential losses it had $21,509,327 in net worth and $443,131 in loans loss reserves. That gives it a Texas Ratio of 3.75%.
Net Worth
| Mid Carolina | U.S. Average |
|---|---|
| 12.75% | 13.93% |
Mid Carolina FCU has a net worth of 12.75% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Mid Carolina
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