Best mortgage rates in South Carolina this week
No borrower-submitted offers from South Carolina yet — be the first to share yours and help other South Carolina borrowers benchmark their quotes.
Data as of 19h ago · Borrower offers span the last 30 days; credit-union posted rates are refreshed weekly (Mondays).
How do you compare?
See where rates like yours land in South Carolina this week.
Not enough conventional 30y submissions from South Carolina yet to draw a comparison. Be the first to share your quote — every submission helps the next South Carolina borrower benchmark theirs.
Credit union posted rates South Carolina residents can access
Posted rates from each credit union's public rate sheet. Conventional shown by default; expand the others if you qualify.
Will these rates apply to you?
Posted rates are best-case — they assume excellent credit and 20% down. Here's a realistic read for your situation.
Not enough borrower submissions yet to show what a 700-719 borrower gets in South Carolina. The posted rates below are best-case; add your quote to build this out.
Rate ranges are real borrower submissions; payment is P&I (plus estimated PMI) on the reference loan, excluding taxes and insurance. Your actual rate depends on your full profile — get pre-approved for your real number, or run the calculator. Not financial advice.
At a glance — ranked by true 5-year cost
incl. points · $235,000 loan · held 5 yrs| Credit union | Rate | Points | Product | Est. 5-yr cost | vs best |
|---|---|---|---|---|---|
| Navy Federal Credit Unionjoin → | 6.125% | 0.5 | Conventional · 30-yr | $86,848 | best |
| PenFed Credit Unionjoin → | 6.125% | 1 | Conventional · 30-yr | $88,023 | +$1,175 |
| Connexus Credit Unionjoin → | 6.250% | 1 | Conventional · 30-yr | $89,166 | +$2,318 |
| BECU Credit Unionjoin → | 6.689% | 0 | Conventional · 30-yr | $90,881 | +$4,033 |
| Digital Federal CU (DCU)join → | 6.375% | 1.38 | Conventional · 30-yr | $91,209 | +$4,361 |
Conventional
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 6.125% | 6.295% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 19h ago |
| 6.125% | 6.268% | 30y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 19h ago |
| 6.250% | 6.404% | 30y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 19h ago |
| 6.375% | 6.541% | 30y | 1.38 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 6.689% | 6.689% | 30y | 0 | BECU Credit Union | Open to anyone living, working, worshipping, or attending school in WA (plus select SC counties and family of members) | 19h ago |
| 5.500% | 5.714% | 15y | 0.38 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 19h ago |
| 5.625% | 5.876% | 15y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 19h ago |
| 5.750% | 5.960% | 15y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 6.033% | 6.033% | 15y | 0 | BECU Credit Union | Open to anyone living, working, worshipping, or attending school in WA (plus select SC counties and family of members) | 19h ago |
| 5.750% | 6.047% | 10y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 6.000% | 6.202% | 20y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 19h ago |
| 6.125% | 6.278% | 20y | 0.88 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
FHA · 2 rates
For borrowers with lower credit or smaller down payments. Requires mortgage insurance for the life of the loan unless 10%+ down.
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 5.500% | 6.418% | 30y | 1.38 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 19h ago |
| 6.735% | 6.735% | 30y | 0 | BECU Credit Union | Open to anyone living, working, worshipping, or attending school in WA (plus select SC counties and family of members) | 19h ago |
VA · 2 rates
For active military, veterans, reservists, National Guard, and qualifying surviving spouses. Often the lowest rates available, but requires VA eligibility.
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 5.625% | 5.900% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 19h ago |
| 6.197% | 6.197% | 30y | 0 | BECU Credit Union | Open to anyone living, working, worshipping, or attending school in WA (plus select SC counties and family of members) | 19h ago |
Jumbo · 8 rates
For loan amounts above the conforming limit ($832,750 in most counties, higher in high-cost areas). Tighter underwriting.
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 6.125% | 6.307% | 30y | 1.63 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 19h ago |
| 6.375% | 6.520% | 30y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 19h ago |
| 6.375% | 6.521% | 30y | 1.38 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 6.439% | 6.439% | 30y | 0 | BECU Credit Union | Open to anyone living, working, worshipping, or attending school in WA (plus select SC counties and family of members) | 19h ago |
| 5.750% | 5.928% | 15y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 6.000% | 6.217% | 15y | 0.38 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 19h ago |
| 5.750% | 6.003% | 10y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 6.125% | 6.253% | 20y | 0.88 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
What to know about getting a mortgage in South Carolina
South Carolina’s owner-occupied property-tax rate is among the lowest in the country — a legal-residence exemption cuts the assessment ratio to 4% — but coastal buyers give much of that back in wind and hail insurance. Off the coast, total carrying costs are some of the lowest in the Southeast.
The 2026 conforming loan limit in most South Carolina counties is $832,750 for a single-family home (designated high-cost counties go higher). Loans above that are jumbo — expect tighter underwriting and different pricing.
The borrower-quoted offers above were submitted by real South Carolina residents in the last 30 days. We score every submission for fraud signals before publishing, and verified offers carry a verified badge after we OCR the Loan Estimate.
The credit-union rates are taken from each lender's public rate sheet on the effective date shown. We don't take affiliate fees, sell contributor data, or rank lenders by commission. The full methodology is on the methodology page.
Got a quote in South Carolina? Share it anonymously and help the next borrower price their quote.
Frequently asked: mortgages in South Carolina
Straight answers, grounded in the data on this page.
What is the best mortgage rate in South Carolina right now?+
The lowest conventional 30-year rate we're tracking in South Carolina this week is 6.125% from PenFed Credit Union, 0.42% below the U.S. average of 6.550%. It's a real posted rate, not a teaser — your actual rate depends on your credit, down payment, and loan type.
How much do you need to put down for a house in South Carolina?+
The median home price in South Carolina is about $295,000, so 20% down is roughly $59,000. Many buyers put down far less: conventional loans go as low as 3%, FHA 3.5%, and VA/USDA can be 0% for those who qualify (with mortgage insurance when you put down under 20%).
Which credit unions can South Carolina residents join for a mortgage?+
South Carolina residents can currently get posted mortgage rates from Navy Federal Credit Union, PenFed Credit Union, Connexus Credit Union, and others. Many credit unions let anyone join through a small one-time association membership — each one's eligibility and exact join steps are on its page.
What first-time homebuyer programs does South Carolina have?+
South Carolina's housing finance agency is the SC Housing. SC Housing’s Homebuyer Program offers fixed-rate loans with forgivable down-payment assistance up to $10,000. These programs work through participating lenders, so you can (and should) still compare the program rate against the credit-union rates on this page.
What is the conforming loan limit in South Carolina?+
For most South Carolina counties the 2026 conforming loan limit is $832,750 for a single-family home (designated high-cost counties go higher). Loans above the limit are jumbo, which typically means tighter underwriting and different pricing.
Does RatePerch take referral fees from lenders in South Carolina?+
No. We don't take affiliate or referral fees, sell contributor data, or rank lenders by commission. Borrower-quoted rates are submitted anonymously by real South Carolina residents, and credit-union rates are copied straight from each lender's public rate sheet.