1st Cooperative Credit Union Cayce SC | Affordable Auto Loans & Personal Banking

Introduction

At 1st Cooperative, we believe that your financial journey should be met with trust and support. Located at 808 Knox Abbott Dr, Cayce, SC 29033, our credit union has been serving the community since 1970, providing a friendly environment where members can thrive. With a total membership of 2,539 and assets exceeding $23 million, we are dedicated to helping you achieve your financial goals, whether it's saving for a dream vacation or financing your first home. While members can visit us at our Cayce branch, official correspondence should be sent to the same address. Our committed team of just 2 employees is here to guide you through various services including personal banking, auto loans, mortgages, and business banking options. Under the leadership of CEO Anne Shivers and Board President Keith Avery, our focus is on ensuring that each member feels valued and informed about their financial choices. With total deposits amounting to $3,427,225 and a robust net worth of $2,593,119, we are well-equipped to support your needs. Our loans portfolio includes over 1,670 loans and leases designed to cater to diverse financial requirements. We take pride in keeping cash on hand at $22,866, ensuring liquidity for all our members. At 1st Cooperative, we understand that financial decisions can feel overwhelming. That's why we emphasize a personalized approach making sure you're not just another number but part of our growing family. Ready to experience what sets us apart? Feel free to reach out at (803) 796-0234 or visit our website at 1stcooperative.com for more information. Your financial future starts here!

Branch History & Mission

Community Commitment

Our roots run deep in Cayce. We understand that being a good neighbor means being involved. That's why 1st Cooperative actively engages in community outreach programs and partnerships aimed at improving the lives of those around us. By supporting local initiatives and events, we strive to make a positive impact that extends far beyond our financial services. As we look toward the future, we are excited about continuing our journey of growth alongside our valued members. We invite you to experience the difference with 1st Cooperative where your success is our mission! Join us today and discover how we can help you achieve your dreams while building a stronger community together. For any inquiries or assistance, feel free to reach out at 803-796-0234. We're here for you!

Our Mission

At 1st Cooperative, our mission goes beyond just numbers and transactions; we strive to empower individuals and families through accessible financial services. We offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Each service is designed to help our members achieve their financial goals while fostering a sense of community. We believe in making banking simple and approachable. Our online and mobile banking options allow you to manage your finances on your terms. Though we currently do not have ATM or drive-thru services available, we ensure that every interaction whether in-person or digital is centered around your needs.

Branch Location & Accessibility

Accessibility Features

At 1st Cooperative, we understand the importance of accessibility. Our branch is designed with features that make it easy for everyone to visit us. You'll find ample parking available right outside, along with ADA-compliant ramps ensuring smooth access for all our members.

Operating Hours

We want to be available when you need us! Our lobby hours are from 8:30 AM to 5:00 PM, Monday through Friday. This schedule allows you to stop by before or after work, or even during your lunch break. If you have questions or need assistance, feel free to give us a call at 803-796-0234.

Services Offered

At 1st Cooperative, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we aim to provide comprehensive solutions that help you achieve your financial goals. While we currently don't have ATM facilities or drive-thru service, our dedicated staff is always ready to assist you inside the branch. In summary, whether you're coming in for personal banking services or simply need some financial advice, we invite you to visit us at 1st Cooperative. For any official correspondence, please send your mail to our address at 808 Knox Abbott Dr, Cayce, SC 29033-3318. We look forward to seeing you soon!

Member Eligibility

At 1st Cooperative, we believe that everyone deserves a chance to be part of a friendly and supportive community. Becoming a member is easy and open to those who live, work, or worship in our local area. If you're interested in joining us at our branch located at 808 Knox Abbott Dr Cayce Sc 29033, you're in the right place! Our membership criteria are designed to welcome a diverse range of individuals. For more specific details about eligibility, feel free to check out this resource: . Joining 1st Cooperative not only gives you access to various financial services like personal banking, auto loans, and mortgages but also connects you with a community that values your needs. The process is straightforward just reach out to us at (803) 796-0234, and we'll guide you through the steps of opening your account. We're excited to help you start your journey with us!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having the ability to accept payments from customers seamlessly, whether they are using credit cards or mobile wallets. Our merchant services empower local businesses to enhance their sales experience. With easy-to-use tools, you can focus more on what you do best running your business while we take care of the payment processing. Located at 808 Knox Abbott Dr Cayce Sc 29033 in Cayce, SC, we're here to help you navigate your financial journey. Reach out to us at (803) 796-0234 during our lobby hours from 8:30 AM to 5:00 PM, Monday through Friday. Let's grow together!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're considering buying a new vehicle, look no further than our Auto Loans & Vehicle Financing options. We understand that purchasing a car is a significant investment, and that's why we offer competitive rates that can fit your budget. Picture driving off in your new vehicle with confidence knowing you secured a great loan through 1st Cooperative.

Business Banking

Entrepreneurs will appreciate our tailored Business Banking solutions which include Merchant Services & Business Loans. As small business owners ourselves, we understand the challenges you face and are committed to helping you succeed with tailored financial support.

Credit Cards with Rewards

For those who enjoy making purchases while earning benefits, our Credit Cards with Rewards are an excellent choice. You can earn points for every dollar spent, which can be redeemed for travel, merchandise, or cash back. It's an easy way to make everyday spending work for you!

Mortgage Loans & Refinancing

Homeownership dreams can become a reality with our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, we provide personalized guidance every step of the way. Our team will work closely with you to ensure that you find the right mortgage solution that suits your lifestyle and financial goals.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking services that let you manage your accounts from anywhere at any time. Check balances, transfer funds, and pay bills right from your smartphone or computer making banking simpler than ever before. For more information about these services or how we can assist you further, feel free to reach out at 803-796-0234 or visit us online at 1stcooperative.com. We invite you to become part of our community today! Your journey towards financial well-being starts here at 1st Cooperative in Cayce, SC.

Personal Banking

One of the cornerstones of our offerings is Personal Banking. With convenient Checking & Savings Accounts, we help you manage your day-to-day finances effectively. Imagine having a reliable place to store your money while earning interest on your savings. Our accounts are designed with member needs in mind, providing easy access and flexibility.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation options come into play. If you're feeling overwhelmed by multiple debts, consolidating them into one manageable loan can be a smart move. We offer flexible terms and competitive interest rates to help lighten the financial load.

Digital & Online Banking

Key Features

One of the standout features of our online services is the ability to access your accounts 24/7. Whether you're checking your balance, making transfers, or reviewing transactions, everything is just a few clicks away. Plus, with person-to-person transfers, sending money to friends or family is simple and fast. We also prioritize security. Our electronic signature authorization ensures that your transactions are safe and verified. Say goodbye to worries about unauthorized access your peace of mind is our priority. Another great benefit is our e-statements feature. You can receive your account statements electronically, helping you stay organized while reducing paper clutter. This not only makes it easier for you to keep track of your finances but also supports our commitment to sustainability. For those on the go, our mobile application offers even more convenience. You can check your accounts, deposit checks, and make payments right from your smartphone. While we currently don't support mobile payments directly through the app, you can still enjoy all other features at your fingertips. At 1st Cooperative, we believe in making banking accessible and user-friendly for everyone. Whether you're at home or out and about, our digital banking services help you take control of your financial life with ease and confidence.

Financial Strength

Commitment to Growth

Our commitment to growth is evident with $2,552,448 in undivided earnings. This allows us to reinvest in innovative banking tools and stronger lending options to serve our members better. Additionally, with $493 in used auto loans and $18,594,795 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team

We also take pride in having 2 full-time employees ready to assist you with their knowledge and commitment. With 0 part-time employees available as well, our branches are always prepared to serve you effectively.

Member Trust

Our strong member base is shown by the total share accounts of 4,164. This trust fuels our ability to serve you better every day. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Cooperative is your trusted partner. Visit us at 808 Knox Abbott Dr Cayce Sc 29033 or call (803) 796-0234 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Strong Financial Metrics

With a net worth of $2,593,119, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,121 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $3,478,912 in share certificates, offering stable and rewarding financial growth opportunities. We also prioritize our members over traditional banking practices. With non-member deposits at $1,593,000, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $9,389,067 in used vehicle loans and $2,608,807 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is here to assist you every step of the way.

Credit Lines

If you need extra flexibility in managing your finances, consider our credit lines totaling $2,700,000. They provide immediate access to funds whenever you need them without the hassle of reapplying for a loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $190,441, make buying or refinancing simple. We offer various mortgage products tailored to fit different situations and budgets, ensuring that your path to owning a home is as smooth as possible.

Refinancing Options

For those looking to lower their monthly payments or consolidate debt, refinancing options are available across our loan products. Whether it's an auto loan or a mortgage, we can help find solutions that fit your budget and save you money over time. At 1st Cooperative, we believe in empowering our members through financial education and support. If you have questions about our loans or want assistance finding the right product for your needs, feel free to reach out at (803) 796-0234. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you navigate your options and make informed choices for your financial future.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,741,248 in loans helping members manage their finances effectively. Our credit cards come with attractive rewards and low-interest rates, making them an excellent option for everyday purchases and larger expenses alike.

Loan Aggregator

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1ST COOPERATIVE FEDERAL CREDIT UNION - Cayce, SC