Finance your CAR, TRUCK, SUV, VAN, or any vehicle with Mid Carolina Credit Union. We offer low fixed interest rates, flexible repayment terms, and pre-approvals on loans. We'll help you finance new or used vehicles…we also can help you with refinancing your current vehicle loan.

When you're shopping for a new or used vehicle, contact us first and get PRE-APPROVED! Then you can shop the dealers for the vehicle that is right for you and you will also get a great low rate. We have experienced Loan Officers who can help you sort through your financing options. For instance, it might not be in your best interest to take 0% financing; take the cash back instead and finance through Mid Carolina Credit Union - it will save you money. Talk to our Loan Officers who will tell you why.

New Auto/Truck

  • Terms up to 75 months
  • Financing up to 100% of sales price for qualified borrowers
  • Pre-approval of your loan so you'll know how much you can spend before you even begin looking

We offer competitive rates that reward members who have protected their credit while allowing other members the opportunity to rebuild their credit.

Used Auto/Truck

  • Terms up to 75 months
  • Up to 100% NADA retail value

We offer competitive rates that reward members who have protected their credit while allowing other members the opportunity to rebuild their credit.


Home Equity

The equity you've built up in your home can be used for almost any purpose.

Features include:
  • Borrow up to 90% of appraised value minus first mortgage balance
  • Term up to 120 months
  • Interest rates lower than most credit cards
  • Interest may be tax deductible (consult your tax advisor)
  • Choose from multiple home equity loan options.


Whether you are moving into a larger home or refinancing, Mid Carolina Credit Union understands that obtaining a home loan is one of the biggest financial transactions that you will ever face. We can help you obtain the loan that best suits your lifestyle and fits your budget.

Mortgages we offer include:
  • 30 year fixed loan
  • 20 year fixed loan
  • 15 year fixed loan
  • 10 year fixed loan
  • Raw land loan
  • Double-Wide mobile homes to 30 yrs.
  • FHA
  • VA
  • USDA 100%
  • Home Equity Loans
  • Call for rates

Give us a call today to find out more! Our dedicated service is what sets us apart from other financial institutions. Rates change daily, please call (803)432-7046 for a rate quote today!

To start the application process, go to our apply for loan page found under the BORROW drop-down above and click the "apply for mortgage" link to fill out our online form, a mortgage representative will then be in touch.

List of Registered Mortgage Loan Originators for Mid Carolina Credit Union as of 8/31/18.

Mid Carolina Credit Union NMLS# 403334


When the home of your dreams is still a dream, but the location is as clear as day, consider a Mid Carolina Credit Union land loan.

All Mid Carolina Credit Union land loans offer:
  • Low, fixed rates
  • Low fees
  • Fast processing
  • up to 70% of appraised value or purchase price, the lesser of the two
  • 5 and 10 year terms


Whether you're on the road, on the water, or on the trail, we have a loan for whatever moves you. If you are thinking of that perfect boat, motorcycle, camper or any other recreational vehicle, think of Mid Carolina Credit Union first for your recreational vehicle financing.

Boats, Motors, and Trailers
  • Up to 100% Dealer Invoice
  • Up to 84 month financing for new watercraft
  • Up to 72 month financing for used watercraft
  • Rates vary, see rate schedule
  • Up to 100% of sales invoice for new motorcycles
  • Up to 100% NADA retail for used motorcycles
  • Terms up to 60 months
  • Maximum 80% financing on motorcycles classified as sport bikes
  • Rates vary, see rate schedule
Campers and Motor Homes


A personal, unsecured loan with a competitive rate can help you pay for almost any expense:

  • Wedding costs
  • New furniture or appliances
  • Medical expenses
  • Graduation expenses
  • College tuition
  • Home improvements
  • Vacation
  • Debt Consolidation
  • name it!
Features include:
  • Terms up to 48 months
  • Rates range from 9.90% to 18.00%

Share Secure

Keep building up your savings by borrowing smart from your Mid Carolina CU account. A Secured Loan is a great way to build credit, repair your credit, or just keep from using up the savings you've already accumulated.

You select the amount of funds that you'd like to place "on hold" in your Mid Carolina CU Savings Account or Share Certificate of Deposit (CD) for a pre-determined amount of time; then, you borrow the same amount of money at a low fixed rate. It's quick, simple, and available to all members regardless of credit score or prior borrowing experience.

  • Maximum Term: Up to 60 months
  • Rate: 4.0%