Mortgage &
Equity Loans

*NMLS ID #449962.

The SAFE Act requires a mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry and provide their Mortgage Loan Originator Identifier number to a consumer when engaging in a mortgage loan transaction. You may obtain information about the Mortgage Loan Originator by accessing the Nationwide Mortgage Licensing System and Registry at www.nmlsconsumeraccess.org.

Mortgage rates displayed above are "as low as" and include a 1.00% loan origination fee. All loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without prior notice. Other mortgage programs, rates, and terms may be available. *APR = Annual Percentage Rate. Rates are subject to change at any time without notice and are not guaranteed. Other rate options may be available. Loan Example: $160,000, 7.099% APR; 360 payments of $1064.48 principal & interest. Based on Sales price of $200,000 with 20% down. Rates displayed above are based on loans secured by property located in South Carolina. This information is provided for illustrative purposes only. Your actual APR may be higher or lower based on your credit history, loan amount, property state, product features, term and loan to value ratio. Please call the Mortgage Department at 803-376-5016 for details. **Adjustable Rate Mortgage (ARM) is variable; your Annual Percentage Rate is fixed for the first five years and subsequently subject to change bi-annually after the original fixed-rate period. Maximum term is 30 years. Prime Rate, as published in the Wall Street Journal, is a variable rate; as it changes, the APR on your account will also change. The APR will be based on the prime rate plus a margin of up to 4.00%. The maximum APR that can apply is 18.00%. Credit is subject to approval. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be an owner occupied home, second or vacation home. The minimum loan line of credit amount is $5,000. Repayment period is based upon amount outstanding: $0 - $9,999.99 - ten year repayment. $10,000 & above - up to fifteen years repayment. Term for second/vacation home is 180 mos. The line may not exceed 90% of the appraised value less the first mortgage balance. Loan fees and closing costs vary. Flood and /or property hazard insurance may be required. Other restrictions may apply. The present Prime Rate of 6.75% is current as of December 11, 2025. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.