Mid Carolina Credit Union Columbia SC | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Mid Carolina, your trusted partner in financial well-being, located at 100 Forum Dr Ste 4, Columbia, SC 29229. Established in 1961, we have proudly served our community for over six decades, building lasting relationships and providing the support you need to achieve your financial goals. With a total membership of 14,227 and assets exceeding $169 million, we are committed to empowering our members with personalized services tailored to their unique needs. At Mid Carolina, we understand that every financial journey is different. That's why we offer a range of products from checking accounts and auto loans to mortgage options and business banking solutions. Our dedicated team, led by CEO Dean Scarborough and Board President Dennis Arledge, is here to guide you every step of the way. Whether you're looking for ways to save or seeking the perfect loan, our knowledgeable staff is ready to assist you. While members can visit us at 100 Forum Dr Ste 4, official correspondence should be sent to our mailing address: PO Box 549, Lugoff, SC 29078. We invite you to explore how Mid Carolina can help you succeed financially. With total deposits of $8,884,382 and a net worth of $21,816,037, we are well-equipped to provide stability and growth for your finances. If you're interested in becoming part of our family or have questions about our services, don't hesitate to reach out! Call us at (803) 432-8521 or visit our website at Mid Carolina today. Join us in building a brighter financial future together!

Branch History & Mission

At Mid Carolina, our journey began in 1961, right here in the heart of Columbia, SC. Since then, we have proudly served our community from our location at 100 Forum Dr Ste 4, a place where members can connect and engage with us directly. Over the decades, we have evolved and expanded to accommodate the needs of our growing membership base, which now stands at an impressive 14,227 individuals. Our mission is clear: to empower our members through exceptional financial services while making a positive impact in the community. We believe that banking should be personal and accessible to everyone. Our dedicated team works tirelessly to provide services like personal banking, auto loans, mortgage options, and credit cards that reward your loyalty. Throughout our history, we've embraced innovation while keeping our community values at the forefront. Today, we offer online and mobile banking solutions that allow you to manage your finances on your terms. While we do not have ATM services available at this branch, we ensure ease of access through drive-thru banking for deposits and simple transactions. While members can visit us at 100 Forum Dr Ste 4, official correspondence should be sent to PO Box 549, Lugoff, SC 29078 if needed. Our branch operates Monday through Thursday from 8:30 AM to 5:00 PM, with extended hours on Friday until 6:00 PM for your convenience. We take pride in being more than just a financial institution; we are a part of this vibrant community. Our commitment extends beyond providing financial products; it includes engaging in partnerships and outreach efforts designed to uplift those around us. If you're looking for a credit union that truly cares about its members and their success, join us at Mid Carolina. Experience firsthand how we can help you achieve your financial goals while being an integral part of this wonderful community. Reach out today at 803-432-8521, or visit us online at Mid Carolina to learn more about becoming a member!

Branch Location & Accessibility

Welcome to Mid Carolina, your friendly neighborhood credit union located conveniently at 100 Forum Dr Ste 4 in Columbia, SC. Nestled in the heart of Richland County, our branch is easily accessible, making it a breeze for members to drop by for all their banking needs. Whether you're visiting us after a trip to the nearby shopping centers or stopping by on your way home, we're here to serve you. For those who prefer sending official correspondence, please note that our mailing address is PO Box 549, Lugoff, SC 29078. While our branch offers ample parking with ADA-compliant features like ramps and accessible entrances, you can also take advantage of our drive-thru service for quick transactions without leaving your vehicle. At Mid Carolina, we pride ourselves on being open when you need us. Our lobby hours are Monday through Thursday from 8:30 AM to 5:00 PM, and we extend our hours on Friday, opening early at 6:00 AM for drive-thru services until 5:00 PM. Have questions? Feel free to give us a call at 803-432-8521; our friendly staff is ready to assist you. While we don't have ATMs available at this branch, our team is equipped to help with a variety of services such as personal banking accounts, auto loans, mortgages, and credit cards with rewards. We understand that convenience matters, which is why we also offer online and mobile banking options for managing your finances anytime and anywhere. We invite you to stop by Mid Carolina today! Experience our dedicated service firsthand and let us help you reach your financial goals.

Member Eligibility

At Mid Carolina, we believe that everyone deserves a chance to join a community that cares about their financial well-being. Becoming a member is not just about opening an account; it's about being part of a supportive family. If you live, work, worship, or attend school in the area surrounding our branch at 100 Forum Dr Ste 4 Columbia Sc 29229, you're likely eligible to join us! We welcome individuals from various backgrounds and walks of life, making it easy for you to find your place here. For the most up-to-date information on eligibility criteria, feel free to check out this resource: http://www.midcarolinacu.com/become-a-member#whois-eligible-for-membership1 . Joining Mid Carolina comes with numerous benefits, including access to personalized financial services tailored to meet your needs. Our friendly staff is ready to assist you every step of the way, ensuring that your membership experience is smooth and enjoyable. To get started with opening your account, simply visit our account opening page at https://midcarolinacu-dn.financial-net.com/web/enrollment/ , or give us a call at (803) 432-8521 if you have any questions. We're excited to welcome you into our community!

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 also support the broader business community with $15 in non-member commercial loans, providing flexible financing solutions.

Merchant Services

We also offer merchant services that simplify transactions for your customers. With reliable payment processing options, you can focus on what matters most running your business. Picture a busy day where your point-of-sale system works seamlessly, allowing you to serve more customers without delays. Located at 100 Forum Dr Ste 4 Columbia Sc 29229 in Columbia, SC, we're dedicated to helping local businesses succeed. Reach out to us at (803) 432-8521 to explore how we can assist your business journey!

Comprehensive List Of Services

Business Banking Assistance

If you're a business owner, we've got you covered too! Our business banking services include merchant services and business loans that can help streamline operations and support growth. We understand that every business is unique; therefore, our team will work closely with you to find the best options available.

Convenient Access

Your convenience is important to us. While we may not have ATMs on site, we do offer essential drive-thru banking services, allowing for quick deposits and withdrawals without leaving your car. For those who prefer digital interactions, our comprehensive online and mobile banking services ensure that banking is accessible whenever you need it.

Final Thoughts

At Mid Carolina, we strive to create a welcoming environment where all members can thrive financially. With a commitment to quality service and community support, we invite you to visit us or give us a call at 803-432-8521. Explore how we can help fulfill your financial needs today! For more information about joining our credit union family or opening an account, please check out our website at Mid Carolina. Let us partner with you in achieving your financial goals!

Personal Banking Solutions

We understand that managing personal finances can be overwhelming at times. That's why we offer checking and savings accounts that fit your lifestyle. Imagine having easy access to your money with online banking and mobile payments right at your fingertips! You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. When it comes to financing your dreams, our auto loans and vehicle financing options make it simple for you to get behind the wheel of your new car. We work with you to ensure that the loan terms suit your budget perfectly. If you're thinking about buying a home, our mortgage loans and refinancing options provide competitive rates that can help you save money over time. For those unexpected expenses or projects around the house, our personal loans and debt consolidation services offer flexible solutions designed to alleviate financial stress. And if you're looking for rewards while spending, our credit cards with rewards give you the chance to earn points on purchases you already make!

Digital & Online Banking

Key Features

With our online banking services, you can easily access your accounts through our website at https://www.midcarolinacu.com/ . Check balances, view transaction history, and transfer funds with just a few clicks. If you're someone who prefers going paperless, you'll be pleased to know that we offer e-statements, making it easy for you to keep track of your financial activity while reducing clutter. Our mobile application further enhances your banking experience by enabling mobile payments, so you can make quick purchases right from your phone. While person-to-person transfers aren't available at this time, the app still offers a user-friendly interface that allows you to manage your finances on the go. Security is always a priority at Mid Carolina. Although we currently do not support electronic signature authorization, our online systems are designed with robust security measures to keep your information safe as you engage in real-time account management. In summary, Mid Carolina makes it easy for you to take control of your financial journey. With features like e-statements and mobile payments all accessible through our convenient online banking platform, managing your money has never been simpler or more secure. Explore all that we have to offer today!

Financial Strength

Dedicated Team for You

We also take pride in having 45 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 23,821, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mid Carolina is your trusted partner. Visit us at 100 Forum Dr Ste 4 Columbia Sc 29229 or call (803) 432-8521 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.*

Member-Centric Savings Solutions

Members' savings are secured through $3,908,403 in share certificates and $28,279,523 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $9,758,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our financial performance. Our $0 indicates our ability to maintain stability while continuing to provide competitive loan rates and solid financial products for our members.

Reinvestment for Growth

With $13,183,226 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust, with $2,002 in used auto loans and $102,368,304 in total loans and leases available to support your financial goals across various sectors.

Strong Capital Foundation

With a net worth of $21,816,037, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,282 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

Auto Loans

Looking to buy a new car? Our auto loans provide some of the most competitive rates in the industry. We've already issued $36,650,684 in used vehicle loans and $18,987,115 in new vehicle loans, helping many members hit the road with confidence. Whether you prefer a brand-new model or a reliable used car, we have financing options tailored for you.

Credit Lines

For those looking for extra flexibility, our credit lines are designed to give you access to funds when you need them most. We currently have $53,067,000 available to our members, providing peace of mind and financial freedom without the pressure of immediate repayment. If you're considering refinancing options or want to see if you're eligible for any of these products, feel free to reach out. Our team at Mid Carolina, located at 100 Forum Dr Ste 4 Columbia Sc 29229, Columbia, SC SC, is ready to assist you every step of the way. You can call us at (803) 432-8521 for more information or visit us during our operating hours from 8:30 AM to 5:00 PM Monday through Thursday and 6:00 PM on Fridays. 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 look forward to helping you find the right loan solution that fits your financial needs!

Mortgage Loans

Thinking about homeownership? At Mid Carolina, our mortgage options simplify the process of buying or refinancing your home. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we encourage you to explore your eligibility with us for other types of mortgages that might suit your needs.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why we offer flexible terms on unsecured credit card loans. With a total of $2,076,980 in loans available, our credit cards help members manage their finances effectively while enjoying benefits like rewards and no annual fees.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This rigorous sourcing guarantees that all offers are fair and transparent, giving users confidence in their choices.

MID CAROLINA CREDIT UNION