S. C. State Credit Union Columbia SC | Best Auto Loans & Business Banking

Introduction

Welcome to S. C. State, your trusted financial partner located at 529 Saint Andrews Rd, Columbia, SC 29210. Since our establishment in 1952, we have proudly served our community, growing our membership to an impressive 89,893 individuals who rely on us for their financial needs. With total assets exceeding $1.42 billion, we are committed to providing you with the best possible banking experience. At S. C. State, we believe in building relationships that matter. Our dedicated team of 284 employees, led by CEO James Kinard and Board President Vincent Rhodes, works tirelessly to ensure that every member feels valued and supported. Whether you need a personal loan, mortgage financing, or business banking services, we're here to help you reach your financial goals. While members can visit us at our branch address, official correspondence should be sent to P.O. Box 726, Columbia, SC 29202. We offer a wide range of services including checking and savings accounts, auto loans, credit cards with rewards, and online banking options tailored to fit your lifestyle. With a net worth of $187,863,956 and total deposits amounting to $207,476,551, our solid financial foundation allows us to lend over 76,477 loans and leases confidently. We also maintain a healthy cash reserve of $16,830,395, ensuring that your funds are safe and accessible when you need them. Join us today at S. C. State and discover how we can help you thrive financially! Feel free to reach out at 803-772-3443 or visit our website at https://www.scscu.com for more information. Your future starts here!

Branch History & Mission

Welcome to the heart of Columbia, SC, where S. C. State has proudly served our community since 1952. Located at 529 Saint Andrews Rd, our branch has a rich history rooted in the commitment to provide exceptional financial services and support for our members. Over the decades, we have grown alongside our community, evolving into a trusted partner for nearly 90,000 members. From humble beginnings, S. C. State has blossomed into a significant financial institution with total assets exceeding $1.4 billion. Our mission is simple yet powerful: to improve the financial well-being of our members and foster a sense of community through personalized service and innovative solutions. We aim not only to provide essential banking services like checking and savings accounts, auto loans, and mortgages but also to create lasting relationships that empower our members to achieve their goals. Our operating hours are designed with your convenience in mind Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 6:00 PM. Plus, we offer both drive-thru banking and ATM access for quick transactions when you're on the go. While members can visit us at 529 Saint Andrews Rd, official correspondence should be sent to P.O. Box 726, Columbia, SC 29202. This ensures that all communication reaches us efficiently as we continue striving for excellence in serving you. S. C. State is more than just a credit union; we are deeply committed to giving back to our community through various outreach programs and partnerships that strengthen local initiatives. Whether it's sponsoring educational events or supporting local charities, we believe in making a positive impact right here at home. As we look ahead, we embrace digital advancements that make banking easier and more accessible for everyone. With features like online banking, mobile payments, and e-statements, managing your finances has never been simpler or more secure. Join us at S. C. State today! Experience firsthand the dedication of our staff led by CEO James Kinard and Board President Vincent Rhodes in making every member feel valued. Together, let's build a brighter financial future for you and our beloved Columbia community! For more information or to open an account, visit us online at scscu.com or give us a call at 803-772-3443.

Branch Location & Accessibility

Welcome to S. C. State, your friendly neighborhood credit union located at 529 Saint Andrews Rd in Columbia, SC! Nestled in the heart of Richland County, our branch is designed with your convenience in mind, making it easy for you to access a range of banking services. Whether you're stopping by for personal banking or need assistance with a loan, we're here to help. If you're looking for us, you'll find our branch near popular spots like the Columbia Mall and the picturesque Riverbanks Zoo and Garden. This prime location not only offers ease of access but also provides plenty of parking space right at our doorstep, ensuring your visit is hassle-free. We are proud to be ADA compliant, featuring accessible ramps and entrances so that everyone can bank comfortably. Our operating hours are tailored to fit your busy schedule. We're open Monday through Thursday from 8:30 AM to 5:00 PM and extend our hours until 6:00 PM on Fridays. Have questions? Feel free to give us a call at 803-772-3443; our team is always ready to assist you! In addition to our welcoming lobby, we offer convenient drive-thru banking services for quick transactions without leaving your vehicle. Plus, if you're in need of cash outside of regular hours, we have an ATM available for your convenience. While members can visit us at 529 Saint Andrews Rd, official correspondence should be sent to P.O. Box 726, Columbia, SC 29202. We look forward to welcoming you into our branch! Stop by or reach out today your financial journey starts here!

Member Eligibility

Joining the family at S. C. State is more than just opening an account; it's about becoming part of a caring community that supports your financial goals. To become a member, you simply need to meet some friendly eligibility requirements. If you live, work, or worship in our area or have a family member who is already a member, you're likely eligible! You can find all the details on what it takes to join us by visiting . Once you're ready to take the next step, opening an account is easy and convenient. Just head over to https://forms.fivision.com/scscu/oa/, and you'll be guided through the process in no time. If you have any questions or need assistance, don't hesitate to give us a call at (803) 772-3443. We're excited to welcome you to S. C. State, located at 529 Saint Andrews Rd Columbia Sc 29210, where your financial well-being is our priority!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member commercial loans funded, we're eager to assist local entrepreneurs in the future. For non-members, we can also provide flexible financing solutions to stimulate growth within the broader community.

Merchant Services

In addition to loans, we offer robust merchant services designed to streamline payment processes for your business. Imagine having a seamless way to handle transactions whether it's accepting credit card payments at your store or managing online sales efficiently. Our merchant services allow you to focus more on what you do best: running your business. If you're ready to elevate your business operations or explore financing options, visit us at 529 Saint Andrews Rd Columbia Sc 29210 in Columbia, SC, or contact us at (803) 772-3443. Together, let's pave the way for your business success!

Comprehensive List Of Services

Convenient Access Anytime, Anywhere

In today's fast-paced world, convenience is key. That's why we have invested in online and mobile banking features that let you manage your finances anytime from anywhere. With options for ATM access and basic drive-thru banking for deposits and withdrawals, we ensure that accessing your funds is straightforward. Our commitment extends beyond traditional banking methods; we also offer easy-to-use features like person-to-person payments, allowing you to send money effortlessly to friends or family.

Join Us Today!

At S. C. State, we're not just about numbers; we're about building relationships with our members. If you're looking for a supportive community bank where your needs come first, come visit us at 529 Saint Andrews Rd Columbia Sc 29210 in Columbia, SC or give us a call at (803) 772-3443. We invite you to explore all the ways we can help simplify your financial life! For more information about our services, feel free to visit our website at St Andrews Road. Let's take the next step together!

Personal Banking Made Easy

Whether you're opening your first checking account or looking to save for a special occasion, our personal banking options are crafted just for you. We offer checking and savings accounts that fit different lifestyles. You can easily manage your funds online or through our mobile banking app, making it simple to check balances and transfer money on the go. When it comes to financing, consider our auto loans and vehicle financing. We understand that purchasing a car is an important decision. Our competitive rates and flexible terms can help make this process smoother for you. If you're ready to buy a home or refinance your existing mortgage, our mortgage loans are designed with your needs in mind.

Support for Your Financial Journey

Need some extra cash? Our personal loans can assist with debt consolidation or unexpected expenses, ensuring you have the support when you need it most. Plus, don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases while enjoying benefits like cashback offers. For business owners, we provide robust business banking services, including merchant services and business loans. We understand how vital it is to keep your business running smoothly, and our team is here to help you succeed.

Digital & Online Banking

Key Features

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. Plus, if you're on the go, our mobile application makes it easy to manage your finances from your smartphone. You can even make mobile payments effortlessly, ensuring you're never caught without the means to pay for what you need. For those who prefer electronic records, we provide e-statements that are accessible anytime through our secure portal. This not only saves paper but also allows you to keep track of your transactions in real time. And if you need to sign documents, our electronic signature authorization feature lets you do so quickly and securely.

Stay Connected

With person-to-person transfers, sending money to friends or family is simple and immediate no more waiting for checks to clear! Whether you're paying back a friend or sharing expenses, this feature makes transactions fast and hassle-free. At S. C. State, we prioritize security in all our digital services. You can trust that your information is protected while you enjoy easy access to your accounts. Our user-friendly interface ensures that even if you're not tech-savvy, you'll find everything straightforward and manageable. In summary, whether you're checking balances or making payments, our digital banking services are designed with you in mind. Explore all the conveniences waiting for you at S. C. State by visiting us online at https://www.scscu.com/ today!

Financial Strength

Commitment to Growth

Our financial strength is also reflected in our ability to reinvest back into the community. With $162,133,292 in undivided earnings, we invest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We support your financial goals with $4,875 in used auto loans and $792,859,478 in total loans and leases.

Growing Trust

We have built a strong foundation with a total of 186,779 share accounts, showcasing the trust our growing member base has placed in us. 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 529 Saint Andrews Rd Columbia Sc 29210 or call (803) 772-3443 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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 robust operations are highlighted by a net income of $18,883,879, which reflects our operational efficiency. This enables 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.

Solid Financial Health

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.

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 make it easy for you to finance your next ride with flexible terms and competitive interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $114,483,824, make buying or refinancing simple. We work closely with our members to guide them through each step of the process, ensuring you understand all your options for home financing.

Other Loan Options

If you're considering other types of borrowing or refinancing options, be sure to talk with us about what might be available for your specific situation. Our team is here to assist you with eligibility questions and provide guidance tailored to your unique needs. You can reach us at (803) 772-3443 or visit us at 529 Saint Andrews Rd Columbia Sc 29210 in Columbia, SC. We look forward to helping you find the right loan solution!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $90,214,693 in loans helping members manage their finances effectively. Our credit cards come with rewards programs that can help you earn while you spend, making it easier to achieve your financial objectives.

Loan Aggregator

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