S.C. State Credit Union Anderson SC | Low Mortgage Rates & Auto Loans

Introduction

At S. C. State, we believe that financial success is built on trust and community. Located at 306 Pearman Dairy Rd, Anderson, SC 29625, our credit union has been serving the local community since 1952. We proudly support 89,893 members with a strong commitment to providing personalized banking solutions tailored to your needs. Our dedication to excellence is reflected in our impressive financial standing. With total assets of $1,423,371,739 and deposits reaching $207,476,551, we are well-equipped to help you achieve your financial goals. Whether you're looking for a reliable checking account, an auto loan, or even mortgage refinancing options, we've got you covered. While members can visit us at our branch address, official correspondence should be sent to P.O. Box 726, Columbia, SC 29202. Our experienced team of 284 employees, led by CEO James Kinard and Board President Vincent Rhodes, is here to provide you with the highest level of service. As a member-focused institution, we offer a range of services including personal banking accounts, auto loans, credit cards with rewards, and business banking solutions. With an unwavering commitment to our members and their financial wellness, we're proud to maintain a net worth of $187,863,956 and cash reserves of $16,830,395. We invite you to experience the S. C. State difference for yourself! Stop by our branch or give us a call at 864-622-1351 to learn more about how we can assist you on your financial journey. Visit us online at scscu.com for additional information or to get started today!

Branch History & Mission

Welcome to S. C. State, a credit union with a rich history and a commitment to serving our community in Anderson, SC. Established in 1952, we have grown from a small organization into a trusted financial partner for nearly 90,000 members. Our branch is conveniently located at 306 Pearman Dairy Rd, Anderson, SC 29625, making it easy for you to access our services. Over the years, S. C. State has achieved significant milestones that reflect our dedication to growth and innovation. From humble beginnings, we now proudly hold total assets of over $1.4 billion. This growth has allowed us to expand our offerings, which include personal banking services such as checking and savings accounts, auto loans, mortgages, and business banking solutions. We also provide convenient options like online and mobile banking to meet the needs of our tech-savvy members. Our mission is simple yet impactful: to provide exceptional financial services while actively supporting our community. We believe that when our members succeed, we all succeed. That's why we engage in outreach programs and partnerships designed to uplift local organizations and initiatives. Whether it's through financial literacy workshops or community events, we strive to make a difference in the lives of those around us. For your convenience, our branch offers extended hours: Monday through Thursday from 8:30 AM to 5:00 PM and on Fridays until 6:00 PM. We also feature both ATM availability and drive-thru banking services for quick transactions. While members can visit us at our Anderson location for all their banking needs, official correspondence should be sent to P.O. Box 726, Columbia, SC 29202. At S. C. State, we are committed to providing accessible financial solutions that empower individuals and businesses alike. Join us today and experience the benefits of being part of a credit union that truly cares about its members and the community it serves! For more information or to open an account, please give us a call at 864-622-1351 or visit our website at scscu.com.

Branch Location & Accessibility

Accessibility Features

Our branch prioritizes accessibility for all members. With ADA-compliant features, including ramps and designated parking spaces, we strive to provide a welcoming environment for everyone. Parking is readily available to make your visit hassle-free.

Get in Touch

If you have questions or need assistance, feel free to give us a call at 864-622-1351. Our friendly team is ready to help you with all your banking inquiries! We invite you to stop by and discover how S. C. State can support your financial journey today!

Operating Hours

We are open Monday through Thursday from 8:30 AM to 5:00 PM, and on Friday from 8:30 AM to 6:00 PM. These hours are designed to accommodate your busy schedule and ensure you have ample opportunity to take care of your banking needs.

Services Offered

At S. C. State, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you every step of the way. Our drive-thru service provides added convenience for quick transactions like deposits and withdrawals without leaving your car. And don't forget about our ATM availability for easy cash access whenever you need it!

Visit Us

While you can easily visit us at our branch address, please remember that any official correspondence should be directed to our mailing address: P.O. Box 726, Columbia, SC 29202. This ensures that your documents reach us without delay.

Member Eligibility

Becoming a member of S. C. State is like opening the door to a friendly neighborhood filled with support and opportunities. If you live, work, worship, or attend school in Anderson County, you're already on your way to joining our community! We welcome everyone who shares these connections with us. Plus, as a member, you'll enjoy personalized banking services designed just for you, from checking and savings accounts to loans that fit your life. To get started, simply visit us at 306 Pearman Dairy Rd Anderson Sc 29625, or give us a call at (864) 622-1351 for more information. For detailed eligibility criteria and updates, check out this resource: . Ready to take the next step? Opening an account is easy; just follow this link: https://forms.fivision.com/scscu/oa/. Join us today and experience the benefits of being part of S. C. State!

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 $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.

Merchant Services

In today's fast-paced market, having reliable merchant services can make all the difference. Imagine processing payments seamlessly while offering your customers multiple options credit, debit, or digital wallets. Our merchant services help streamline transactions so you can focus on what matters most: growing your business. Located at 306 Pearman Dairy Rd Anderson Sc 29625 in Anderson, SC, our dedicated team is here to guide you through every step of your business banking journey. Connect with us today at (864) 622-1351 to learn how we can help you achieve your business goals!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, you'll find value in our Business Banking services, including Merchant Services & Business Loans that help you streamline operations and expand your business ventures. We understand the unique challenges businesses face and are here to support you every step of the way.

Convenient Access

We know that managing finances should fit seamlessly into your busy life. That's why we offer ATM & Cash Withdrawal Services along with basic drive-thru banking for quick deposits and withdrawals. Whether you're at home or on the go, our digital banking features ensure that you have access to your money whenever you need it.

Credit Cards with Rewards

For those who enjoy earning rewards on their purchases, our Credit Cards with Rewards program allows you to earn points on everyday spending. These points can be redeemed for travel, merchandise, or even cash back it's just one way we show appreciation for our members.

Get Started Today!

Ready to take advantage of all that S. C. State has to offer? Give us a call at (864) 622-1351 or visit us at our branch located at 306 Pearman Dairy Rd Anderson Sc 29625 in Anderson, SC. Our friendly team is here to answer any questions and help you get started on your financial journey today!

Loans Made Easy

Life often presents opportunities that require financial support. That's why we offer Auto Loans & Vehicle Financing for those looking to purchase a new car or refinance an existing loan. If you're dreaming of a home, our Mortgage Loans & Refinancing options are here to help make that dream a reality. Need some extra cash? Our Personal Loans & Debt Consolidation services can assist you in managing expenses or consolidating debts into one manageable payment.

Personal Banking

Whether you're opening your first checking account or looking to grow your savings, we have personal banking solutions designed for you. Our Checking & Savings Accounts offer flexibility and convenience, making it easy to manage your daily finances. With online and mobile banking available, accessing your accounts has never been simpler. You can check balances, transfer funds, and even pay bills right from your phone.

Digital & Online Banking

Convenient Online Access

With our online banking platform, available at https://www.scscu.com/, you can handle all your banking needs from the comfort of your home or on the go. Whether you want to check your account balance, pay bills, or transfer funds, everything is just a few clicks away. Plus, our 24/7 online banking services ensure that you can manage your money whenever it suits you.

E-Statements for Easy Tracking

Stay organized with e-statements available at Yes. Instead of waiting for paper statements in the mail, you'll receive them electronically making it easy to track your spending and stay on top of your finances. At S. C. State, we strive to provide accessible and user-friendly banking options that fit into your lifestyle. With our digital services, managing your money has never been easier!

Mobile Banking Made Easy

Our mobile application makes banking even more convenient. You can manage your accounts right from your smartphone, making it easier than ever to keep track of your finances. And if you're always on the move, our mobile payments feature allows you to make purchases quickly and securely without needing cash or cards.

Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfer service simplifies this process. Whether it's splitting a bill or sending a gift, you can easily transfer funds directly from your account.

Secure Transactions

We prioritize your security with features like electronic signature authorization. This means you can sign documents digitally without worrying about safety. Your personal information is protected with advanced security measures, so you can bank confidently.

Financial Strength

A Strong Foundation

With a net worth of $187,863,956, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,316 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Community Trust

Total Share and Deposit Accounts stand at 186,779, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, reinforcing our commitment to member-focused service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, S. C. State is your trusted partner. Visit us at 306 Pearman Dairy Rd Anderson Sc 29625 or call (864) 622-1351 to learn more about how we can help you achieve your financial goals.

Member Savings and Growth

Members' savings are secured through $210,079,912 in share certificates and $247,144,174 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.

Operational Efficiency

Our $18,883,879 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 283 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $162,133,292 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is reflected in our lending capacity: with $4,875 in used auto loans and $792,859,478 in total loans and leases, we support our members' financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $68,192,757 in used vehicle loans and $253,859,040 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles, ensuring you find the best fit for your budget.

Credit Lines

For those needing additional financial flexibility, our credit lines totaling $803,727,999 provide access to funds when you need them most. These lines of credit can help you handle unexpected expenses or larger purchases without stress.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $114,483,824, allowing you to take the next step toward owning your home. Our team is here to guide you through the process and help you understand your options.

Refinancing Options

If you're considering refinancing any existing loans to take advantage of better rates or terms, we can assist with that too! Our team will work closely with you to evaluate your current situation and determine the best path forward. Feel free to reach out to us at 864-622-1351 or visit us at 306 Pearman Dairy Rd Anderson Sc 29625 for personalized assistance tailored to 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. Let S. C. State support you in achieving your dreams one loan at a time!

Unsecured Credit Card Loans

Managing day-to-day expenses can be easier with our unsecured credit card loans. We offer flexible terms on these loans, with a total of $90,214,693 helping members manage their finances effectively. Whether it's for emergencies or everyday purchases, our credit cards come with rewards that can benefit you over time.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 sourcing method guarantees fair and transparent offers, allowing users to compare loans without hidden fees or misleading terms.

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