Learn About Us


What is a credit union?

A credit union is a different kind of financial institution. Yes, we offer the same financial products and services as a traditional bank, but, in a cooperative manner. That means at Carolina Foothills FCU you are never a “customer” but a “member” – you have ownership rights and a say in how we are run. Credit unions exist to serve their members; and the members benefit through the success of the credit union by way of better returns on their savings and lower rates on loans.

Unlike banks, we operate on a not-for-profit basis.

Why Carolina Foothills Federal Credit Union?

First and foremost, we are LOCAL, but we stay with you wherever life takes you. At CFFCU we are all about community. We proudly serve our members in the Spartanburg, Greenville and Gaffney areas together with the employees of more than 125 local companies. We make local decisions, and we support the communities in which we serve. But if you need us across the United States, we are with you through our partnership with the Co-Op ATM Network offering more than 30,000 surcharge-free ATMs along with 5,000 shared branches for your in-person service needs. We also offer you in-branch services as well as the latest in mobile banking options. In addition, we were recently named one of the top 200 Healthiest Credit Unions in the US by Deposit Accounts by LendingTree.

At CFFCU we are “people helping people”.

Our History

Carolina Foothills FCU originally began in 1960 when 26 postal employees from Spartanburg got together and formed the Spartanburg US Employees FCU. From that humble start the credit union grew to more than 2,200 in 1986 and a second branch was added. Growth continued throughout the next decade, and in 1994 we changed our name to Carolina Foothills FCU. We continued to increase services and branches and reached a milestone of $45 million in assets in 2009. We merged with Community 1 FCU in 2011, and in 2013 we were granted a Low-Income Credit Union designation by the National Credit Union Administration. In 2015 we were approved as a Community Development Financial Institution by the US Treasury. In 2016 we opened our first in-school branch, and we achieved $100 million in assets. From our basic beginnings we now have in excess of 15,000 members, 5 branches, and almost $120 million in assets.

We invite you to come grow with us.