Mid Carolina Credit Union Lugoff SC | Best Auto Loans & Checking Accounts

Introduction

Welcome to Mid Carolina, your trusted financial partner located at 841 Highway 1 S, Lugoff, SC 29078. Established in 1961, we have proudly served our community for over six decades, fostering strong relationships with our 14,227 members. At Mid Carolina, we believe that your financial success is our success. That's why we offer a range of services tailored to meet your needs from checking and savings accounts to auto loans and business banking solutions. While members can visit us at 841 Highway 1 S, official correspondence should be sent to PO Box 549, Lugoff, SC 29078. With total assets exceeding $169 million, and total deposits amounting to $8,884,382, we are committed to providing a secure and supportive banking environment. Our dedicated team of 48 employees, under the leadership of CEO Dean Scarborough and Board President Dennis Arledge, ensures that every member receives personalized service. At Mid Carolina, we are proud of our robust financial standing, which includes total loans totaling 6,114 and a net worth of $21,816,037. We also maintain a healthy cash reserve of $1,845,411 to support our members' needs. Your journey towards financial empowerment starts here! Whether you're looking for guidance on personal loans or want to explore our mortgage options, we're here to help. Call us today at 803-432-8521 or visit us online at Mid Carolina to learn more about how we can assist you on your financial path.

Branch History & Mission

At Mid Carolina, we are proud of our roots in the community of Lugoff, South Carolina. Since opening our doors in 1961, we have been committed to providing exceptional financial services and fostering strong relationships with our members. Located at 841 Highway 1 S, Lugoff, SC 29078, our branch has grown from a small credit union into a trusted institution for over 14,200 members, all while maintaining a personal touch that sets us apart. Over the years, Mid Carolina has achieved significant milestones, building a solid foundation based on trust and member satisfaction. Today, our total assets amount to $169,862,170. This growth is not just about numbers; it's about the lives we've touched through our services ranging from personal banking to business loans. We aim to empower our members by offering tools and resources that help them achieve their financial goals. Our mission is straightforward: to enhance the financial well-being of our members and strengthen the communities we serve. We believe in providing not only competitive rates and comprehensive services but also fostering a supportive environment where everyone feels valued. Whether it's through our auto loans, mortgage financing, or online banking options, we are here to support you every step of the way. While members can visit us at 841 Highway 1 S Lugoff Sc 29078, official correspondence should be sent to PO Box 549, Lugoff, SC 29078 if needed. Our operating hours are designed for your convenience: we're open Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 6:00 PM. Plus, with both ATM availability and drive-thru banking services, accessing your funds has never been easier. At Mid Carolina, community outreach is a core part of who we are. We actively participate in local events and partner with various organizations to support initiatives that uplift those around us. Our commitment extends beyond just financial services; it encompasses building a stronger community. We invite you to join the Mid Carolina family and experience what makes us special. Discover how our personalized approach can benefit you today! Reach out to us at (803) 432-8521 or visit our website at Mid Carolina Credit Union for more information on how you can become a member. Let's build a brighter future together!

Branch Location & Accessibility

Get in Touch

If you have any questions or need assistance, don't hesitate to reach out! You can call us at 803-432-8521. Our dedicated team is eager to help you navigate your financial journey. We look forward to welcoming you into the Mid Carolina family soon!

Operating Hours

We understand that life can be busy! That's why our lobby hours are designed with your convenience in mind: we're open from 8:30 AM to 5:00 PM from Monday through Thursday, and on Fridays, we stay open until 6:00 PM. Need cash outside of these hours? No problem! We have an ATM available for your convenience.

Parking and Accessibility

Our branch offers ample parking space for all visitors. We are committed to ensuring that everyone can access our services comfortably; thus, our facility is ADA compliant with ramps and other accessibility features available.

Services Offered

At Mid Carolina, we offer a range of services tailored just for you! From checking and savings accounts to auto loans and mortgages, we have something for everyone. Our drive-thru banking makes simple transactions like deposits and withdrawals quick and easy. Plus, with online and mobile banking options, managing your finances has never been simpler!

Member Eligibility

At Mid Carolina, we believe that everyone deserves a supportive financial community. Joining us is simple and welcoming! If you live, work, or worship in Kershaw County, you're likely eligible for membership. We also welcome immediate family members of existing members, making it easy for you to share the benefits of being part of our credit union with your loved ones. The perks of membership at Mid Carolina include access to personalized banking solutions, competitive loan rates, and a variety of services tailored just for you. To learn more about the specific eligibility criteria and ensure you meet them, feel free to check out this helpful resource: http://www.midcarolinacu.com/become-a-member#whois-eligible-for-membership1 . Ready to become a member? Opening an account is a breeze! Just visit us online at https://midcarolinacu-dn.financial-net.com/web/enrollment/ or give us a call at (803) 432-8521 if you have any questions. Our friendly team is here to guide you every step of the way as you take this exciting step towards better banking at Mid Carolina, located at 841 Highway 1 S Lugoff Sc 29078.

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. Imagine having the capital needed to purchase new equipment or upgrade your facilities our loans can make that happen. Each loan is designed to meet the specific needs of your business, whether you're in retail, service, or manufacturing.

Merchant Services

In addition to loans, we offer merchant services that streamline payment processing for your business. Picture this: a customer walks into your store and pays quickly and easily using their card or mobile wallet. With our services, you can accept various payment methods, keeping your cash flow smooth and efficient. This not only enhances customer satisfaction but also helps you manage sales better. Connect with us at 841 Highway 1 S Lugoff Sc 29078 in Lugoff, SC today to learn how we can help grow your business!

Comprehensive List Of Services

Business Banking Services

For local businesses, we provide essential tools like merchant services and business loans to help your enterprise thrive. Our understanding of the local market means we're well-equipped to support your business's specific needs.

Convenient Digital Features

In today's fast-paced world, convenience is key. That's why at Mid Carolina, we prioritize digital banking features such as online banking and mobile payments. You can manage your account anytime, anywhere perfect for busy schedules. Additionally, our ATM services ensure you have access to cash whenever you need it. Whether it's simple withdrawals or balance checks, we've got you covered with easy access at one of our ATMs.

Get Started Today!

We invite you to explore all that we have to offer at Mid Carolina. If you're ready to open an account or simply want more information about our services, don't hesitate to reach out! Call us at (803) 432-8521, visit us at 841 Highway 1 S Lugoff Sc 29078, or check out our website at Lugoff. We're here to help make your financial journey easier and more rewarding!

Personal Banking Solutions

For everyday banking needs, we offer checking and savings accounts that fit various lifestyles. Imagine easily accessing your funds online or through our user-friendly mobile banking app. You can check balances, transfer money, and pay bills right from your phone making banking convenient and hassle-free. When it comes to financing a vehicle, our auto loans and vehicle financing options are designed to get you on the road without breaking the bank. With competitive rates and flexible terms, you can drive off in your dream car with ease. If you're considering purchasing a home or refinancing an existing mortgage, our mortgage loans provide the support and guidance you need. We'll help navigate the complexities of home financing so that you can focus on what matters most your new home.

Supporting Your Financial Journey

In addition to these services, we also offer personal loans and debt consolidation options for those times when unexpected expenses arise or when you want to simplify your finances. Our team is here to guide you through creating a plan that works for your budget. Don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases. Whether it's cash back or travel rewards, it's a great way to make your spending work for you.

Digital & Online Banking

Key Features

One of the standout features of our online services is e-statements. With Yes, you can receive your account statements electronically, saving time and paper. This not only helps you stay organized but also provides a secure way to access your financial records. For those who prefer mobile banking, our Yes gives you the power to manage your accounts right from your smartphone. You can make payments easily with our Yes feature, allowing for quick transactions without the need for cash or cards. While we currently don't support person-to-person transfers (No), our other features ensure that managing your finances remains easy and secure. And rest assured, we prioritize your security by ensuring that all transactions are encrypted and protected. At Mid Carolina, we believe in making banking as accessible as possible. With our 24/7 online banking services (Yes), you have control over your finances whenever you need it. Join us today and experience how our digital banking services can simplify your financial life!

Financial Strength

A Dedicated Team

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. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Growing Together

With a total of 23,821 accounts held by our valued members, we showcase a strong and growing member base that trusts us with their finances. The funds available for lending and investments stand at $0, illustrating our ability to support your needs effectively. 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 841 Highway 1 S Lugoff Sc 29078 or call (803) 432-8521 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

Our commitment to our members is reflected in our $13,183,226 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $2,002 in used auto loans and $102,368,304 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Focused Savings

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.

Solid 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.

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 pre-owned vehicle, our financing solutions can make it easier than ever.

Credit Lines

In addition to our loans, we provide access to credit lines totaling $53,067,000. This option allows for greater flexibility when managing your finances, ensuring that you have funds available when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we encourage you to explore other financing opportunities with us. We are dedicated to assisting you in navigating the home loan process.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our products, don't hesitate to reach out! We can guide you through our offerings and help determine which products best suit your financial situation. For more information or assistance regarding our loan offerings, feel free to visit us at 841 Highway 1 S, Lugoff, SC 29078, or give us a call at 803-432-8521 during our operating hours from 8:30 AM to 5:00 PM Monday through Thursday and until 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're excited to partner with you on your financial journey!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,076,980 in loans helping members manage their finances effectively. These cards provide an excellent way to handle unexpected expenses while giving you the freedom to spend within your means.

Loan Aggregator

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Ensuring 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 means that every loan offer you see is fair and transparent, ensuring that you get the best possible options available.

MID CAROLINA CREDIT UNION