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

Introduction

Welcome to S. C. State, your trusted financial partner located at 4304 Hard Scrabble Rd, Columbia, SC 29229. Established in 1952, our credit union has been dedicated to serving the community for over seven decades, fostering a sense of belonging and support among our 89,893 members. At S. C. State, we pride ourselves on being more than just a financial institution; we are a community-focused organization committed to helping you achieve your financial goals. With total assets reaching an impressive $1,423,371,739 and total deposits amounting to $207,476,551, our strong financial standing allows us to offer a wide range of products and services tailored to meet your needs. Whether you're looking for personal banking options like checking and savings accounts or seeking loans for auto financing or mortgages, we've got you covered. Our experienced team of 284 employees, led by CEO James Kinard and Board President Vincent Rhodes, is here to provide personalized service that prioritizes your best interests. We understand that each member's journey is unique, which is why we take the time to listen and provide solutions that work for you. While members can visit us at 4304 Hard Scrabble Rd, official correspondence should be sent to the same address for convenience. If you have any questions or need assistance, don't hesitate to reach out to us at 803-343-0350 or explore our services online at scscu.com. Join us today and experience the difference of being part of a community where your financial well-being is our top priority!

Branch History & Mission

S. C. State has a rich legacy of serving the Columbia community since its inception in 1952. Over the years, we have grown alongside our members, fostering strong relationships and providing exceptional financial services. Located at 4304 Hard Scrabble Rd, Columbia, SC 29229, our branch is easily accessible to those in the area. Whether you are near the scenic Lake Carolina or just passing through, we invite you to stop by and discover what makes us a trusted partner in your financial journey. Our mission at S. C. State is simple yet profound: to empower our members through comprehensive financial solutions while nurturing a supportive community environment. We believe that when our members thrive, so does our community. With nearly 90,000 members and total assets amounting to over $1.4 billion, we are dedicated to offering a wide range of products including personal banking accounts, auto loans, mortgages, and business banking services. In today's digital world, we strive to make banking as convenient as possible for everyone. Our modern facilities offer features like drive-thru banking and ATM availability for quick transactions. Our operating hours are designed with your schedule in mind open Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 6:00 PM. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address at 4304 Hard Scrabble Rd, Columbia, SC 29229-9423. At S. C. State, we take pride in being more than just a financial institution; we are an active part of the community. Through partnerships and outreach programs, we work diligently to support local initiatives that uplift and empower those around us. We focus on creating positive change by giving back and investing in our neighbors. Join us today and experience the difference that comes from being part of S. C. State Credit Union where your financial well-being is our top priority! For inquiries or assistance, feel free to reach out at 803-343-0350 or visit our website at www.scscu.com. Together, let's build a brighter future!

Branch Location & Accessibility

Drive-Thru Convenience and ATM Availability

For those on the go, take advantage of our drive-thru service where you can make deposits and withdrawals without leaving your vehicle. Plus, we provide ATM access for cash withdrawals and balance checks whenever you need it. While members can visit us at 4304 Hard Scrabble Rd, official correspondence should be sent to the same address as well. If you have any questions or need assistance, feel free to give us a call at 803-343-0350. We invite you to come by and discover how S. C. State can support your financial journey!

Easy Access and Parking

Parking is ample and straightforward, making it easy to stop by for a quick transaction or a longer visit. Our facility is also ADA compliant, ensuring that everyone can access our services comfortably.

Operating Hours That Fit Your Schedule

We know life can be busy, so we offer flexible operating hours! You can visit us Monday through Thursday from 8:30 AM to 5:00 PM and on Friday from 8:30 AM to 6:00 PM. Whether you need assistance with personal banking, loans, or simply have questions, our friendly staff is here to help.

Member Eligibility

Becoming a member of S. C. State is like joining a family that cares about your financial well-being. If you live, work, worship, or attend school in the Columbia area, you're already eligible to join us! We believe that everyone deserves access to quality financial services and support. Membership not only opens the door to various banking products but also connects you with a community dedicated to helping you reach your financial goals. For those wanting to learn more about our membership criteria, feel free to check out the details at . Getting started is simple! Just visit us at 4304 Hard Scrabble Rd Columbia Sc 29229 or give us a call at (803) 343-0350 for assistance. You can also start the account opening process online by visiting https://forms.fivision.com/scscu/oa/ . We can't wait to welcome you into our community and help you thrive financially!

Business Banking & Commercial Services

Member and Non-Member Loan Opportunities

We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Outstanding Commercial Loans

With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Our goal is simple: to see your business flourish right here in Columbia, SC. If you're interested in exploring how we can support your business goals, feel free to visit us at 4304 Hard Scrabble Rd Columbia Sc 29229 or give us a call at (803) 343-0350. Let's work together towards your success!

Comprehensive List Of Services

Additional Services

Our commitment doesn't stop there! We also provide basic ATM access for simple tasks such as balance checks and withdrawals perfect for those on the go. If you're interested in learning more about what we offer or how we can assist you further, please don't hesitate to reach out at (803) 343-0350 or visit us online at Hard Scrabble Road. We invite you to experience the friendly service and extensive resources available at S. C. State. Your financial well-being is our top priority!

Business Banking

For local entrepreneurs, we provide tailored services through our Business Banking offerings. From Merchant Services that simplify payment processing to Business Loans that fuel growth, we are committed to supporting the success of your venture.

Convenient Digital Banking

In today's fast-paced world, we know convenience is key. That's why we offer comprehensive Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. With options like ATM & Cash Withdrawal Services, accessing your money has never been easier. You can also utilize our drive-thru banking for quick transactions like deposits and withdrawals without leaving your vehicle.

Personal Banking Solutions

Whether you're opening your first checking account or looking for ways to save for your future, our personal banking services have you covered. We offer Checking & Savings Accounts that are easy to manage and come with no hidden fees. If you're considering buying a car, our Auto Loans & Vehicle Financing options will help you drive away in your dream vehicle without breaking the bank. For those planning to purchase a home, our Mortgage Loans & Refinancing services are designed to fit various budgets and situations.

Support for Everyday Needs

Life can sometimes throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation products come into play, offering you the flexibility you need during tough times. And if you're looking for everyday purchasing power, check out our Credit Cards with Rewards that provide benefits while you spend.

Digital & Online Banking

Accessible Online Banking

Our online banking platform at https://www.scscu.com/ offers you 24/7 access to your accounts, making it simple to check balances, pay bills, and transfer funds. You can manage everything from your desktop or mobile device without having to visit a branch. This means more time for what matters most to you.

Mobile Convenience

For those who prefer banking on the go, our mobile application makes it even easier to stay connected with your finances. You can make mobile payments effortlessly, ensuring you never miss a chance to settle up with friends or make quick purchases. Plus, our person-to-person transfer feature allows you to send money directly to anyone with just their email or phone number no hassle involved. In today's fast-paced world, having access to reliable digital banking tools is essential. With S. C. State, managing your finances has never been more convenient or secure. Whether you're at home or out and about, our services are designed for you. Start exploring all that we offer by visiting https://www.scscu.com/ today!

Secure Transactions

Security is our top priority. With electronic signature authorization available, signing documents online is both safe and straightforward. You can also receive e-statements directly to your inbox, reducing paper clutter while keeping your financial information secure.

Financial Strength

Commitment to Growth

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. This commitment to growth reflects our dedication to providing valuable services tailored to your financial needs. Our lending capacity supports members' financial goals across various sectors with $4,875 in used auto loans and $792,859,478 in total loans and leases. We understand that each member has unique aspirations, whether it's purchasing a vehicle or investing in a home.

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. This income allows us to invest back into the community we serve while keeping your interests at heart. 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. Total Share Accounts stand at 186,779, showing a strong and growing member base that trusts us with their finances.

Safe and Rewarding Savings Options

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. These options help our members grow their savings while enjoying peace of mind. 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.

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. This robust net worth positions us well to support our members' needs now and in the future. 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.

Your Trusted Partner

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 4304 Hard Scrabble Rd Columbia Sc 29229 or call (803) 343-0350 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 $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 to ensure that financing your vehicle is as easy as possible.

Credit Lines and Unsecured Credit Cards

For those looking for financial flexibility, our total credit lines amount to $803,727,999, providing options for various borrowing needs. 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. We are committed to serving our community in Columbia, SC, and our experienced team is here to help you navigate your options. If you're considering refinancing or want to know more about eligibility options, feel free to reach out. For more information about our loan products or to speak with a representative, call us at (803) 343-0350 or visit us at our branch located at 4304 Hard Scrabble Rd Columbia Sc 29229. We're here to support your financial journey! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 are dedicated to guiding you through the process and finding the right mortgage solution for your needs.

Loan Aggregator

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S. C. STATE FEDERAL CREDIT UNION