SPC Credit Union

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Lower Rates = Lower Payments


It may surprise you what refinancing or purchasing a new vehicle with SPC Credit Union could do for you. Save big with our low rates and even lower payments! Find out how affordable your used or new vehicle could be.
SPC members* may borrow up to 100% of the MSRP (Manufacturer's suggested retail price) or NADA retail value of the vehicle - plus tax, tags, warranty and GAProtection. Apply online by clicking here or contact a Financial Service Representative at 843-332-4506 or 800-249-8459.
* Membership is open to anyone who lives, works or attends school in Darlington, Florence or Marlboro Counties.

EMV Cards Coming Soon to SPC!


Your Visa card will soon be upgraded with a new look and feature advanced EMV micro-chip technology with enhanced fraud protection, providing an additional layer of security for your transactions.

All SPC Credit Union Visa cards will be reissued with EMV micro-chip technology regardless of their current expiration date. Upon receipt of your new card, please destroy your previous card and activate your new card immediately.

Using your updated card is easy! You simply insert the chip end of the card into the retailer's card reader and it will prompt you to remove your card at the appropriate time. In addition to the embedded micro-chip, cards also have a magnetic strip on the back so you can continue to make purchases at retailers who do not yet have EMV micro-chip terminals.

Our investment in EMV micro-chip technology is just one of the ways we're continuing to provide the secure products and services you need to conveniently manage your finances.
The new cards are scheduled to be mailed in 1st Quarter 2016.

For more information about EMC cards, click here to watch a video.

EMV Cards FAQs

What is EMV?
EMV stands for Europay, MasterCard, Visa. It is a global standard for cards equipped with computer chips and the technology used to store and protect cardholder data.
What is an EMV micro-chip card?
An EMV micro-chip card contains both a magnetic strip and an embedded micro-chip. The chip helps reduce fraud by making it more difficult to duplicate the card or make purchases without authorization. Micro-chip cards are already in use around the world.
Why is EMV being implemented?
Current magnetic strip cards can be easily copied (skimmed) with inexpensive card reading devices allowing criminals to reproduce counterfeit cards. The use of EMV micro-chip cards is expected to significantly reduce credit card fraud.
How do I make micro-chip card transactions?
At retailers with chip terminals, insert your card into the card reader and follow the prompts on the terminal or pin pad to enter your Personal Identification Number (PIN) or provide your signature. At retailers without chip terminals, you should swipe your card and sign as you do currently. You can also continue to use your card as you did before for online purchases, payments and at the ATM.
Are there any additional fees associated with the EMV micro-chip card?
No, these security enhancements are provided by SPC Credit Union at no cost to you.
I have recurring payments set up with several merchants using my SPC Credit Union credit card. So I need to contact these merchants?
Your new credit card will have a new expiration date and CVV (the 3-digit number on the back of your card). It is recommended that you contact these merchants so your recurring payments will continue without interruption.
I have other questions about my new card. Where can I get help?
Call us at 843-332-4506 OR 800-249-8459 or visit your local branch.

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