Mid Carolina Credit Union Elgin SC | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Mid Carolina, your trusted financial partner located at 2480 Main St, Elgin, SC 29045. Since our establishment in 1961, we have been dedicated to serving our community with a wide range of financial services tailored to meet the unique needs of our members. With over 14,227 members and total assets amounting to an impressive $169,862,170, we pride ourselves on being a cornerstone of financial support for individuals and families in Kershaw County. At Mid Carolina, we understand that your financial journey is important. Our commitment is reflected not only in our diverse offerings from personal banking and auto loans to business services but also in our robust financial health. With total deposits exceeding $8,884,382 and a net worth of $21,816,037, you can trust that your money is safe and growing with us. Under the leadership of CEO Dean Scarborough and Board President Dennis Arledge, we strive to make a positive impact in our community. Our team of 48 dedicated employees is here to provide personalized service and guidance every step of the way. While members can visit us at our Elgin branch, official correspondence should be sent to our mailing address: PO Box 549, Lugoff, SC 29078. Whether you're looking for straightforward banking solutions or specialized loans like our total loans portfolio which stands at 6,114 we are here to help you achieve your financial goals. We invite you to explore what Mid Carolina has to offer by visiting our website at midcarolinacu.com or giving us a call at 803-432-8521. Join us today and experience the difference that a member-focused credit union can make in your financial life!

Branch History & Mission

Community Impact and Call-to-Action

At Mid Carolina, community matters. We actively partner with local organizations to support various initiatives aimed at improving the quality of life in Elgin and beyond. From educational programs to charitable events, we are proud to give back and strengthen the bonds within our community. We invite you to join us at Mid Carolina Credit Union! Experience firsthand how we combine outstanding service with a genuine commitment to helping you succeed financially. Whether you're looking for a new account or seeking advice on loans, reach out today at 803-432-8521 or visit us online at Mid Carolina. Together, let's build a brighter future!

Our Growth and Milestones

Located at 2480 Main St, Elgin, SC 29045, our branch has grown alongside the community it serves. From humble beginnings, we have evolved into a robust credit union with total assets exceeding $169 million. Our commitment to excellence has allowed us to expand our offerings while maintaining personalized service that feels like family. Whether you need assistance with personal banking, auto loans, or business financing, our knowledgeable team is here to guide you every step of the way. While members can visit us at 2480 Main St Elgin Sc 29045, official correspondence should be sent to PO Box 549, Lugoff, SC 29078.

Our Mission

The mission of Mid Carolina is straightforward: we are here to provide exceptional financial services while enriching the lives of our members and supporting our community. We believe that everyone deserves access to affordable financial solutions that help them achieve their goals. This mission drives us to not only offer competitive rates on loans and savings accounts but also engage in community outreach programs that uplift those around us. As part of our dedication to serving you better, we've embraced technology with online banking options and mobile payments available for your convenience. Our commitment extends beyond just transactions; we aim for inclusivity with ADA-compliant facilities and initiatives that put customer experience first.

Branch Location & Accessibility

A Variety of Services at Your Fingertips

At Mid Carolina, we offer a wide range of services designed to support your financial journey. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, you'll find everything you need under one roof. Plus, our commitment to online and mobile banking means that managing your finances is as simple as a click or tap away. While members can visit us at 2480 Main St, official correspondence should be sent to PO Box 549, Lugoff, SC 29078.

Convenient Access and Amenities

At Mid Carolina, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring everyone can access our services with ease. Ample parking is available right outside our doors, so you won't have to worry about finding a spot when you visit us. In addition to our welcoming atmosphere, we offer both ATM availability and drive-thru banking services for quick transactions. Whether you need to make a deposit or withdraw cash on the go, we've got you covered with convenient options that fit your lifestyle.

Join Us Today!

We invite you to come by and experience the Mid Carolina difference for yourself. Whether you're looking for financial advice or just want to say hello, our friendly team is here ready to assist you. If you'd prefer, feel free to give us a call at 803-432-8521 we're eager to help!

Operating Hours That Work for You

We understand that life can get busy! That's why we are open Monday through Thursday from 8:30 AM to 5:00 PM and extend our hours on Friday until 6:00 PM. This gives you flexibility during the week to manage your banking needs around your schedule.

Member Eligibility

Becoming a member of Mid Carolina is like joining a caring community where your financial well-being is our top priority. If you live, work, worship, or attend school in Kershaw County, you're already eligible to become part of our family! We warmly welcome everyone who meets these simple criteria, which helps us build stronger connections within our community. Plus, as a member, you'll enjoy great benefits like competitive loan rates and personalized service tailored just for you. To get started, opening an account at Mid Carolina is easy! You can find all the details on how to begin your journey with us by visiting this link. If you have any questions or need assistance, feel free to reach out at (803) 432-8521. We can't wait to welcome you at our branch located at 2480 Main St Elgin Sc 29045!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your day-to-day operations smoothly while also capturing every sale effortlessly. Our merchant services are crafted to simplify payments for both you and your customers. From credit card processing to mobile payment solutions, we ensure you have the tools needed to thrive in today's market. Visit us at 2480 Main St Elgin Sc 29045 in Elgin, SC, or call us at (803) 432-8521 to discover how our business banking and commercial services can elevate your enterprise. Let's work together to achieve your business goals!

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 $15 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

Business Banking

For our business members, we have tailored solutions through our Business Banking services, which include Merchant Services & Business Loans. We aim to support local businesses by providing the financial tools they need to thrive in today's market.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features like Online & Mobile Banking. Access your accounts anytime from anywhere, and enjoy easy transactions right from your smartphone. Need cash? Our ATM services are readily available for quick withdrawals and balance checks without the hassle.

Drive-Thru and In-Person Services

For those who prefer personal interaction, our branch offers basic drive-thru banking where you can handle deposits, withdrawals, and simple transactions without leaving your car. If you have any questions or need assistance, don't hesitate to call us at 803-432-8521 or visit during our lobby hours open Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 6:00 PM. At Mid Carolina, we are here to support you every step of the way on your financial journey. Whether you're managing day-to-day banking needs or planning for the future, our team is ready to help. Explore all the services we offer and discover how we can assist you by visiting us online at Mid Carolina. Join us today and take advantage of the many benefits available to our members!

Loans and Credit Solutions

If you're facing unexpected expenses, our Personal Loans & Debt Consolidation services can help ease your financial burdens. We also offer Credit Cards with Rewards, allowing you to earn points on everyday purchases perfect for those who enjoy travel or dining out.

Personal Banking

Starting with our Personal Banking services, we offer both checking and savings accounts that make managing your money straightforward and convenient. You can open an account online or visit us in person for assistance. If you're considering purchasing a new vehicle or refinancing your current one, our Auto Loans & Vehicle Financing options come with competitive rates that fit your budget. We also provide Mortgage Loans & Refinancing for those looking to buy a home or lower their current mortgage payments.

Digital & Online Banking

Additional Features

If you enjoy paperless banking, you'll be pleased to know that we offer e-statements for easy access to your account statements without the clutter of physical paperwork. And for those who like the convenience of mobile payments, our mobile application supports this feature as well allowing you to make purchases directly from your phone. While we currently don't offer person-to-person transfers or electronic signature authorization, we are continuously looking for ways to enhance our services based on member feedback. With all these features combined, Mid Carolina makes it simple for you to take control of your finances securely and efficiently. Join us today and experience the ease of digital banking!

Key Services

Visit us at https://www.midcarolinacu.com/ to explore our user-friendly online banking platform. Here, you can easily access your accounts, pay bills, and transfer funds all in one secure place. For those who prefer mobile banking, our dedicated mobile application lets you do all of this right from your smartphone. Whether you're at home or on the go, managing your money has never been easier.

Security and Accessibility

Security is a top priority for us at Mid Carolina. Our online banking services are equipped with advanced security measures to protect your personal information and transactions. Plus, with 24/7 access to your accounts through online banking, you can check balances and monitor transactions at any time.

Financial Strength

Commitment to 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, we support members' financial goals across various sectors.

Member Savings Security

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 $0. This allows us to continue offering competitive loan rates and solid financial products for our members. We 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.

Strong Financial Health

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.

Trusted Partnership

Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 23,821, showing 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 2480 Main St Elgin Sc 29045 or call (803) 432-8521 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $36,650,684 in used vehicle loans and $18,987,115 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, we have financing options that can fit your budget.

Credit Lines and Personal Loans

For those looking for flexibility in managing expenses, our credit lines total $53,067,000, providing you access to funds when you need them most. Additionally, we offer unsecured credit card loans with a total of $2,076,980, designed to help members manage their finances effectively without collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not offer Junior Lien 1-4 Family Residential Properties loans (totaling $0), our team is ready to assist you with guidance on other mortgage solutions that may be available.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for different types of financing, our knowledgeable team at Mid Carolina is here to help guide you through the process. We strive to make it as straightforward as possible so you can focus on achieving your financial objectives. Our branch is located at 2480 Main St Elgin SC 29045, and our friendly staff is available by phone at 803-432-8521 during business hours: Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 8:30 AM to 6:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. For more information about our loan offerings or to become a member, please visit our website at Mid Carolina. Let us help you take the next step towards fulfilling your financial dreams!

Loan Aggregator

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Ensuring Accurate 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 ensures that all offers are fair and transparent. By pulling information directly from legitimate financial institutions, LendMesh guarantees that the rates displayed are accurate and trustworthy.

MID CAROLINA CREDIT UNION