Allsouth Credit Union Columbia SC | Top Personal Loans & Checking

Introduction

Welcome to Allsouth, your trusted partner in financial wellness, located at 7471 Garners Ferry Rd, Columbia, SC 29209. Established in 1960, our credit union has proudly served over 118,588 members, helping them achieve their financial goals with a personal touch. With total assets reaching an impressive $1,343,624,226 and total deposits of $317,497,588, we are committed to providing a solid foundation for our members' financial journeys. At Allsouth, we understand that every member's needs are unique. That's why we offer a range of services tailored just for you from checking and savings accounts to auto loans and mortgage financing. Our dedicated team of 321 employees, led by CEO William Koehler and Board President Walter Todd, works diligently to ensure that your experience with us is not only beneficial but also enjoyable. While members can visit us at our main branch for all banking services, official correspondence should be sent to our mailing address at 730 Elmwood Ave, Columbia, SC 29201-2002. We invite you to explore the convenience of our online and mobile banking options that make managing your finances easy and accessible from anywhere. With a net worth of $252,497,899 and cash in hand amounting to $55,103,678, Allsouth stands strong as a reliable financial institution. Join us today and discover how we can support your dreams whether it's buying your first home or saving for retirement. Feel free to reach out at 803-736-3110 or visit our website at allsouth.org for more information. Your financial journey begins here!

Branch History & Mission

At Allsouth, we take pride in our rich history and unwavering mission to support our members and the community. Since opening our doors in 1960, right here at 7471 Garners Ferry Rd, Columbia, SC 29209, we have grown from a small credit union into a robust financial institution with over 118,000 members and total assets exceeding $1.34 billion. Our journey has been fueled by a commitment to providing exceptional financial services while enhancing the lives of those we serve. Our mission is simple yet powerful: to improve the financial well-being of our members through personalized service and innovative solutions. We believe that every individual deserves access to quality banking services that fit their unique needs. From checking and savings accounts to auto loans and mortgage options, we strive to offer products that empower our members to achieve their financial goals. Over the years, Allsouth has embraced change and innovation while staying true to our core values. We have implemented digital advancements like online banking and mobile payments, ensuring that our services are accessible to everyone in today's fast-paced world. Our drive-thru service allows for quick transactions without leaving your car, while our ATM availability means you can access cash anytime you need it. Community outreach is at the heart of what we do. We actively participate in local events and partnerships that uplift the community around us. Our dedication extends beyond just banking; we aim to make a positive impact on the lives of those in Columbia and surrounding areas. While members can visit us at 7471 Garners Ferry Rd for all their banking needs, official correspondence should be sent to our mailing address at 730 Elmwood Ave, Columbia, SC 29201-2002. As we look toward the future, we invite you to become part of our family. Join Allsouth today and experience firsthand how we can support your journey toward financial success. Whether you're looking for personal banking solutions or business services, we're here for you every step of the way. Visit us or give us a call at 803-736-3110 let's work together to build a brighter tomorrow!

Branch Location & Accessibility

Welcome to Allsouth's Garners Ferry branch, located at 7471 Garners Ferry Rd in the vibrant city of Columbia, SC. Nestled in Richland County, our branch is conveniently situated near popular landmarks like the South Carolina State Museum and Riverbanks Zoo. This central location makes it easy for you to stop by whether you're running errands or enjoying a day out. Our branch offers ample parking with accessible features to ensure everyone can visit us comfortably. If you need assistance, we have ADA-compliant ramps and facilities to help all members of our community access our services with ease. At Allsouth, we understand your busy schedule. That's why our lobby is open Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 6:00 PM. For those who prefer quicker transactions, our drive-thru service is available from 8:30 AM on weekdays, making it easy for you to handle your banking needs without stepping out of your car. If you're looking for an ATM, you're in luck! We offer ATM services right here at the branch for convenient cash withdrawals and balance checks. Our friendly team is always ready to assist with personal banking services like checking and savings accounts, auto loans, mortgage loans, and more. While members can visit us at the Garners Ferry location for all their banking needs, official correspondence should be sent to our mailing address at 730 Elmwood Ave, Columbia, SC 29201-2002. We invite you to come by or give us a call at 803-736-3110 if you have any questions or need assistance. At Allsouth, we're here to help you every step of the way!

Member Eligibility

At Allsouth, we believe that everyone deserves a chance to be part of a caring and supportive financial community. Joining us is simple! If you're a resident of South Carolina or work in the area, you're likely eligible for membership. We warmly welcome individuals from various backgrounds, so whether you're just starting your financial journey or looking for better banking options, you can find your home with us. Our members enjoy personalized service, competitive rates, and access to a range of products designed to meet their needs. To learn more about the specific eligibility criteria, feel free to visit our website at https://www.allsouth.org/member-service/who-can-join/. And when you're ready to open an account, check out the easy steps outlined at https://www.allsouth.org/open-new-account/. If you have any questions or need assistance, don't hesitate to reach out to us at (803) 736-3110. We're excited to help you start your journey with Allsouth, located at 7471 Garners Ferry Rd Columbia Sc 29209!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $351,403, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments easily from customers while managing your finances all in one place. Our merchant services offer just that! By streamlining transactions, you can focus on what matters most growing your business. Picture this: a busy Saturday at your store where customers are eagerly purchasing your products. With our reliable payment processing, you won't miss a beat. Visit us at 7471 Garners Ferry Rd Columbia Sc 29209 in Columbia, SC or give us a call at (803) 736-3110 to learn how we can support your business journey. Let's work together to build a brighter future for your enterprise!

Comprehensive List Of Services

Business Solutions

Entrepreneurs will appreciate our Business Banking services, including Merchant Services & Business Loans. We understand how vital it is for businesses to thrive, so we provide tailored solutions that meet the unique challenges faced by business owners today.

Convenient Access

Accessing your accounts has never been easier with our ATM & Cash Withdrawal Services available at various locations. You can also take advantage of our convenient Drive-Thru Banking, where simple transactions like deposits and withdrawals can be handled quickly without leaving your car. In today's fast-paced world, having access to reliable banking is crucial. That's why we focus on providing features like Mobile Payments, Electronic Statements, and person-to-person payment options all designed with convenience in mind. Whether you're visiting us in person at 7471 Garners Ferry Rd Columbia Sc 29209, calling us at (803) 736-3110, or accessing us online at Garners Ferry, we're dedicated to making your banking experience as smooth as possible. Ready to explore what we have to offer? Stop by or reach out today! Your financial journey starts here at Allsouth!

Home Financing

If home ownership is on your mind, our Mortgage Loans & Refinancing options are designed to help you every step of the way. We know that buying a home is one of the biggest decisions you'll make, which is why we offer comprehensive support and attractive rates. Whether you're looking to purchase a new home or refinance an existing mortgage, we're here to assist you in making informed choices.

Personal Banking

When it comes to personal banking, we understand that everyone has unique needs. That's why Allsouth offers flexible Checking & Savings Accounts tailored to fit different lifestyles. Whether you're saving for a vacation or just want easy access to your funds, our accounts come with competitive rates and user-friendly online banking options. Imagine checking your balance or transferring money from the comfort of your home using our robust Online & Mobile Banking features.

Personal Loans

For those unexpected expenses or special projects, look no further than our Personal Loans & Debt Consolidation services. These loans provide flexibility and can help ease financial stress when life throws curveballs. Picture consolidating debt into one manageable payment; it's a smart way to regain control of your finances.

Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing services make purchasing a vehicle straightforward and stress-free. With competitive rates and personalized loan terms, you can drive off with confidence. Plus, our friendly staff is ready to guide you through the financing process, ensuring you find the perfect loan that fits your budget.

Digital & Online Banking

Key Services

With our online banking platform, accessible through https://www.allsouth.org/, you can check your account balances, transfer funds, and pay bills anytime you need. Our 24/7 online banking services ensure that you have real-time access to your accounts whenever it suits you. Plus, if you're looking to send money easily to friends or family, our person-to-person transfer feature makes it simple and hassle-free. For those who prefer mobile banking, our dedicated mobile application is available for download. This app not only allows you to perform all your banking tasks but also supports mobile payments, making transactions even more straightforward. You can make purchases directly from your phone without needing cash or cards.

Security and Accessibility

We prioritize your security with features like electronic signature authorization, allowing you to sign documents quickly and safely from anywhere. You can also opt for e-statements, giving you easy access to your financial records while helping the environment by reducing paper waste. In today's fast-paced world, having access to your finances shouldn't be complicated. At Allsouth, we make sure that our digital banking solutions are user-friendly and accessible so that managing your money becomes a seamless experience. Experience the ease of modern banking with us today!

Financial Strength

Member Trust

Total Share Accounts: 233,042, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,588,077. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Allsouth is your trusted partner. Visit us at 7471 Garners Ferry Rd Columbia Sc 29209 or call (803) 736-3110 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.*

Operational Efficiency

Our $18,275,514 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 321 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $232,925,935 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We support your financial goals with $19,575 in used auto loans and $682,039,233 in total loans and leases. Our lending capacity means you can rely on us for financing your dreams.

Secured Savings

Members' savings are secured through $227,320,271 in share certificates and $189,701,036 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Position

With a net worth of $252,497,899, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,877 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Options

If you're a business owner, our outstanding commercial loans totaling $351,403 can provide the capital needed for growth and expansion. We recognize how vital it is for businesses to have access to funding when they need it most. For those interested in refinancing options or checking eligibility for any of our loan products, please reach out directly at (803) 736-3110. We're here to assist you with any questions and guide you through your financial journey. Feel free to visit us at our branch located at 7471 Garners Ferry Rd Columbia Sc 29209 in Columbia, SC. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Allsouth, we believe in empowering our members through accessible lending options tailored to meet your needs today and into the future.

Auto Loans

Are you considering buying a new vehicle? Our auto loans feature some of the lowest rates in the industry. With over $33,585,412 in used vehicle loans and $96,825,918 in new vehicle loans already issued, we're here to help get you on the road with confidence. Whether you're looking for a reliable used car or a brand-new model, we've got options tailored just for you.

Mortgage Loans

Thinking about homeownership? At Allsouth, we offer mortgage options that make buying or refinancing simple and straightforward. Our Junior Lien 1-4 Family Residential Properties loans total $12,343,000, providing you with flexible terms to make your dream home a reality. We can guide you through each step of the process, ensuring that you feel informed and supported.

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our flexible unsecured credit card loans. Though currently our total in this category stands at $0, we're dedicated to helping members manage their finances effectively through various lending solutions that suit your needs.

Loan Aggregator

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