S. C. State Credit Union Seneca SC | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to S. C. State, your trusted financial partner located at 12015 N Radio Station Rd, Seneca, SC 29678. Established in 1952, our credit union has proudly served the local community for over 70 years, growing to a robust membership of 89,893 members. We believe in the power of community and are dedicated to providing personalized financial solutions that meet your needs. At S. C. State, we have built a strong foundation with total assets exceeding $1.4 billion and total deposits amounting to $207,476,551. Our commitment to you goes beyond numbers; it's about building lasting relationships based on trust and service. Under the leadership of our CEO, James Kinard, and Board President, Vincent Rhodes, we strive to create an environment where every member feels valued and supported. In addition to our friendly staff of 284 employees, we offer a wide range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Whether you're looking to open a new checking account or need assistance with financing your dream car, we're here for you. While members can visit us at our branch address for their banking needs, official correspondence should be sent to P.O. Box 726, Columbia, SC 29202. Ready to take the next step in your financial journey? Contact us at 864-886-9273 or visit our website at scscu.com to learn more about how we can help you achieve your financial goals!

Branch History & Mission

Commitment to Community

As we look back on our history, it's clear that our growth has been fueled by our dedication to community outreach and partnerships. From sponsoring local events to providing educational resources on financial literacy, we strive to make a positive impact in Seneca and beyond. We're not just here for your banking needs; we want to be a trusted partner in your financial journey.

Join Us

We invite you to become part of the S. C. State family and experience the benefits of membership firsthand. Whether you're looking for straightforward checking accounts or comprehensive business solutions, we're here to help you thrive financially. Visit us during our operating hours Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 6:00 PM or call us at 864-886-9273 to learn more about how we can assist you today!

Modern Solutions for You

In today's fast-paced world, we embrace technology to enhance your banking experience while ensuring accessibility for all. Our digital services include online banking, mobile payments, and electronic signatures making it easier than ever to manage your finances from anywhere. We also ensure ADA compliance so that everyone can access our services without barriers. While members can visit us at 12015 N Radio Station Rd Seneca Sc 29678, official correspondence should be sent to P.O. Box 726, Columbia, SC 29202 if needed.

Our Mission

Our mission at S. C. State is simple yet profound: to provide our members with exceptional financial services while fostering a strong sense of community support. We believe that banking should be more than just transactions; it should empower individuals and uplift families and businesses alike. With total assets reaching over $1.4 billion, we are committed to offering a wide range of services including personal banking, auto loans, mortgages, credit cards, and business financing.

Branch Location & Accessibility

Accessibility Features

At S. C. State, we believe in providing accessible banking for everyone. Our facility is ADA compliant, featuring ramps and designated parking spots to accommodate all members of our community.

Operating Hours

We're 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 plenty of time throughout the week to stop in at your convenience.

Services Available

Our branch offers a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? Use our convenient ATM available on-site, or take advantage of our drive-thru service for quick deposits and withdrawals. While members can visit us at 12015 N Radio Station Rd Seneca Sc 29678, official correspondence should be sent to P.O. Box 726, Columbia, SC 29202 if needed. Feel free to give us a call at (864) 886-9273 if you have any questions or need assistance before your visit. We look forward to welcoming you at S. C. State where your financial well-being is our priority!

Member Eligibility

At S. C. State, becoming a member means joining a warm and welcoming community where your financial well-being is our top priority. If you're looking to enjoy the benefits of personalized service and a wide range of financial products, you're in the right place! We invite anyone who lives, works, worships, or attends school in our local area to apply for membership. This means that whether you're a lifelong resident or new to the community, you can take advantage of what we have to offer. To learn more about the specific eligibility criteria, feel free to check out our detailed guide at . Joining us is simple! You can start by visiting our account opening page at https://forms.fivision.com/scscu/oa/ or give us a call at (864) 886-9273 if you have any questions. Located at 12015 N Radio Station Rd Seneca Sc 29678, we're here to help you every step of the way as you embark on this exciting journey with us. Welcome to S. C. State we can't wait to serve you!

Business Banking & Commercial Services

Loan Options Tailored for Growth

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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions for various needs.

Real-World Merchant Services

Managing transactions efficiently is vital for any business owner. Our merchant services simplify payment processing, allowing you to focus on what truly matters growing your business. Imagine a busy weekend at your local café; with our services, customers can pay quickly and securely, ensuring they leave satisfied and ready to return. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Seneca, SC. Join us at 12015 N Radio Station Rd Seneca Sc 29678 or call us at (864) 886-9273 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Convenient Access When You Need It

We understand that life can be busy. That's why we ensure easy access to your funds through our ATM & Cash Withdrawal Services, available 24/7 for your convenience. For those times when you prefer face-to-face interaction but are short on time, our Basic Drive-Thru Banking allows you to handle deposits, withdrawals, and simple transactions without leaving your car.

Empowering Local Businesses

For our entrepreneurial members, we recognize how crucial it is to have reliable financial tools. That's why we offer Business Banking services, including Merchant Services and Business Loans that cater specifically to local businesses looking to grow and thrive in the community.

Financing Your Dreams

Looking to purchase a new vehicle or refinance an existing loan? Our Auto Loans & Vehicle Financing solutions are designed with competitive rates and flexible terms. For those considering homeownership, our Mortgage Loans & Refinancing can help turn that dream into reality with personalized support throughout the process. If you find yourself in need of some extra cash for unexpected expenses, our Personal Loans & Debt Consolidation options provide an affordable way to regain control over your finances. Plus, enjoy spending rewards with our Credit Cards with Rewards, which offer benefits that can enhance your everyday purchases.

Personal Banking Made Simple

Whether you're opening a new checking account or saving for future goals, we offer a range of Personal Banking options, including Checking & Savings Accounts tailored to fit your lifestyle. Our members appreciate the convenience of having their finances at their fingertips through our Online & Mobile Banking services. Imagine being able to manage your accounts, pay bills, and transfer funds all from the comfort of your home or while on the go.

We're Here for You

If you have questions or need assistance, don't hesitate to reach out! Our friendly team at S. C. State is available by phone at (864) 886-9273 during regular operating hours: Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 6:00 PM. We are dedicated to providing exceptional service and making banking work for you. Explore all that S. C. State has to offer by visiting us online at Seneca. Join us today and experience the difference in personalized financial services designed just for you!

Digital & Online Banking

Key Features

One of the standout features of our online banking is the availability of E-Statements. You can say goodbye to piles of paper and easily access your financial statements digitally. This not only helps in keeping your records organized but also contributes to a more eco-friendly approach. For those who are always on the move, our Mobile Application makes it simple to bank from your smartphone. Need to send money to a friend? Our Person-to-Person Transfers allow you to do just that with just a few taps. Plus, with our Mobile Payments Feature, making purchases is as easy as using your phone, giving you freedom without sacrificing security. Speaking of security, we prioritize protecting your personal information. With options like Electronic Signature Authorization, you can sign documents securely from wherever you are, ensuring your transactions are both efficient and safe. At S. C. State, we are committed to providing you with accessible and easy-to-use banking solutions that fit into your lifestyle. Join us today and experience the benefits of digital banking firsthand!

Financial Strength

Dedicated Team

We take pride in having 283 full-time employees and 1 part-time employees who are always ready to serve you with a knowledgeable and committed team. Your satisfaction is essential to us.

Member Base Growth

With a total of 186,779 share accounts, we showcase a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0, underscoring our capacity to meet your borrowing needs effectively. 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 12015 N Radio Station Rd Seneca Sc 29678 or call (864) 886-9273 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are our priority. 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 focus on benefiting our members first. With non-member deposits at $0, we ensure that our resources are dedicated to you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our financial strength is also shown through our operational efficiency with a net income of $18,883,879. This allows us to continue providing competitive loan rates and solid financial products tailored for our members' needs.

Reinvestment for Growth

We believe in reinvesting in our community. With $162,133,292 in undivided earnings, we enhance innovative banking tools and stronger lending options while improving security measures to serve our members better. Our commitment is reflected in our lending capacity; we have $4,875 in used auto loans and $792,859,478 in total loans and leases available to support your financial goals across various sectors.

Solid Financial Foundations

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 provide financing options for both new and used vehicles, ensuring you can find the perfect fit for your lifestyle and budget.

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. These cards come with competitive rates and rewards options that can benefit your everyday spending.

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. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

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 every loan offer is fair and transparent. Users can trust that they are viewing accurate information that reflects current market conditions.

S. C. STATE FEDERAL CREDIT UNION