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Community Reinvestment Act Public File

Community Reinvestment Act Public File
At United Community, we strive to make a positive impact in our local communities.  We are committed to meet the financial needs in our communities.

United Community is pleased to provide information for public inspection under the Community Reinvestment Act (CRA). In compliance with the CRA requirements, the following information must be maintained in the public file, current as of April 1 of each year, and may be updated periodically.

Public Comments

All Public Comments received for the current year and the prior two calendar years.

Performance Evaluation

United Community’s most recent CRA Performance Evaluation.

Disclosure Statement

United Community CRA Disclosure Statement for the prior two calendar years: 2021 and 2022 

drivethru at branch

Branch Locations and Hours of Operation 

List of branch locations and hours of operation as of April 1, 2024.

List of branches opened, closed, or consolidations in: 
Charleston, SC

Assessment Area Census Tract List

The following assessment areas represent the communities United Community services. Map and Census Tract information can be assessed by clicking the links below. 


North Carolina


South Carolina



man reading through the products and services

Products & Services

A description of the bank’s Personal Products & Services and Business Products & Services, available through United Community. Questions regarding transaction fees or cost of services should be directed to your nearest United Community branch

Download a PDF of United's Products and Services. 


Home Mortgage Disclosure Act (HMDA) Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (

Need Assistance?

Please visit your local United Community banking center for questions or to receive a hard copy of the bank's CRA Public File.  

For general product or service questions, please complete the form below.

If you have a general question about United Community products or services please complete the form below. Messages received during hours of operation (Monday–Friday 8:00am–6:00pm ET, Saturday 9:00am–12:00pm ET) should expect a same-day reply. We will respond to emails received after 7:00pm week days and after 12:00pm on Saturday, the next business day.

External Link Disclaimer

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