Charleston SC Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to South Carolina, your trusted credit union located at 1317 Folly Rd Charleston Sc 29412 in beautiful Charleston, SC. Established in 1936, we have proudly served our community for over 80 years, providing financial solutions tailored to meet your needs. With a robust membership of 173,960 and total assets reaching an impressive $2,519,426,018, we are committed to fostering financial well-being for all our members. At James Island, we believe in the power of community. Our dedicated team, led by CEO Scott Woods and Board President James Mace, works tirelessly to offer a range of services designed to help you achieve your financial goals. Whether you're looking for personal banking options like checking accounts and auto loans, or need support with business banking, we've got you covered. While members can visit us at 1317 Folly Rd Charleston Sc 29412, official correspondence should be sent to our mailing address: PO Box 190012, North Charleston, SC 29419-9012. We invite you to explore our website at https://www.scfederal.org/ for more information on how we can assist you in managing your finances effectively. With total loans amounting to 95,937 and deposits totaling $161,963,638, we take pride in being a reliable partner in your financial journey. Our commitment to maintaining a healthy net worth of $312,628,701 and ensuring liquidity with $60,972,713 demonstrates our strong position within the credit union landscape. At the heart of everything we do is our dedication to serving you our valued member. We encourage you to reach out by calling us at (843) 797-8300 during our lobby hours from 9:00 AM to 5:30 PM, Monday through Friday. Discover how South Carolina can help empower your financial future today!

Branch History & Mission

At South Carolina, our journey began in 1936, right here in the heart of Charleston, SC. Over the years, we have grown from a small community initiative into a thriving credit union with a total membership of over 173,960 members. We are proud to be part of this vibrant community, located at 1317 Folly Rd Charleston Sc 29412, where we strive to make a positive impact on the lives of our members every day. Our mission is simple yet profound: to empower our members with financial services that foster their growth and well-being while supporting the communities we serve. We believe that everyone deserves access to fair and affordable financial products, which is why we offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, and more. Our commitment extends beyond banking; we actively engage in community outreach programs that uplift those around us. Over the decades, South Carolina has achieved significant milestones. With total assets now standing at an impressive $2,519,426,018, we've continually reinvested in technology and resources to better serve our members. From modern online banking options to mobile payments and ADA compliance initiatives, we ensure that our services are accessible and user-friendly for all. While you can visit us at 1317 Folly Rd Charleston Sc 29412, official correspondence should be sent to PO Box 190012, North Charleston, SC 29419-9012 if needed. Our friendly team is available Monday through Friday from 9:00 AM to 5:30 PM to assist you with your financial needs. Plus, with ATM availability and drive-thru banking services, managing your finances has never been easier. As we look towards the future, we remain dedicated to enhancing our offerings and expanding our outreach efforts. Whether it's through partnerships with local organizations or innovative financial solutions tailored for our members, we aim to continue being a trusted resource in Charleston. Join us at South Carolina and experience the benefits of membership firsthand. Together, let's build a stronger financial future for you and our community! For more information or to become a member today, give us a call at (843) 797-8300 or visit our website at https://www.scfederal.org/.

Branch Location & Accessibility

Accessibility Features

At South Carolina, we understand the importance of accessibility. Our branch is equipped with ADA-compliant features including ramps and designated parking spaces to ensure everyone can easily access our services. Ample parking is available right outside our doors, so you can visit us without any hassle.

Connect With Us

We invite you to visit our James Island branch or give us a call at (843) 797-8300 if you have any questions. At South Carolina, we're here to help make your banking experience smooth and enjoyable. Come see us today!

Operating Hours & Services

We are open Monday through Friday from 9:00 AM to 5:30 PM, providing plenty of time for you to stop by before or after work. Our dedicated team offers a wide range of services tailored to meet your financial needs from personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards. For added convenience, we also have ATM availability and drive-thru banking options for quick deposits and withdrawals. If you're looking for more than just basic transactions, our staff is ready to assist you with everything from mortgage loans to business banking services.

Member Eligibility

At South Carolina, we believe that becoming a member means joining a community that truly cares about your financial well-being. If you're looking to be part of something special, membership is open to anyone who lives, works, worships, or attends school in the Charleston area, as well as their family members. This inclusive approach means you can enjoy all the benefits of our services right here at our branch located at 1317 Folly Rd Charleston Sc 29412. Becoming a member is simple and offers you access to personalized banking solutions, lower loan rates, and a supportive team ready to help you achieve your financial goals. Ready to get started? You can find all the details about eligibility on our website at http://www.scfederal.org/why-us/membership-benefits. When you're ready to open an account, just visit us or check out the easy online process at https://online.scfederal.org/auth/enrollment?_gl=1*1h067ag*_gcl_au*mzy5nzc2mti2lje3mzq0ndmyotm.. If you have any questions, don't hesitate to reach out to us at (843) 797-8300. We can't wait to welcome you into the South Carolina family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In today's fast-paced market, efficient payment processing can set your business apart. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. Imagine accepting payments anytime and anywhere while enjoying lower transaction fees that directly impact your bottom line. Whether you're just starting out or looking to expand, South Carolina at 1317 Folly Rd Charleston Sc 29412 is here to provide the tools and resources you need. Contact us today at (843) 797-8300 to learn more about how we can support your business journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $235 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $69,636,247, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes time to buy a car, our auto loans make the process simple and stress-free. You can choose from competitive rates and flexible terms that fit your budget. Picture yourself behind the wheel of your dream car with financing options that are just a click away.

Business Banking Solutions

If you're a business owner, we have tailored services just for you. Our business banking includes merchant services and business loans designed to help your enterprise grow. We understand the unique challenges businesses face and are committed to providing the support you need.

Convenient Access Services

At South Carolina, convenience is key. Our ATM services allow for easy withdrawals and balance checks without stepping inside the branch. For those quick transactions, our drive-thru banking offers deposits and withdrawals efficiently.

Credit Cards with Rewards

For those who enjoy earning rewards while spending, our credit cards offer benefits that can enhance your shopping experience. Imagine earning points for every purchase that can be redeemed for travel, merchandise, or even cash back!

Digital Banking Features

In today's fast-paced world, digital banking is essential. With features like mobile payments and person-to-person transfers available through our online platform, managing your finances has never been easier. We invite you to experience all these services and more at South Carolina. For any inquiries or assistance, feel free to call us at (843) 797-8300 or visit us during our lobby hours from Monday through Friday between 9:00 AM and 5:30 PM. Join us today in making your financial goals a reality!

Home Financing Options

Thinking about purchasing a new home or refinancing your current mortgage? Our mortgage loans come with personalized service that guides you every step of the way. Whether you're a first-time buyer or looking to refinance for better terms, we've got you covered.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, we offer personal banking solutions designed to help you manage your money effectively. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to check balances, transfer money, and pay bills anytime and anywhere.

Personal Loans & Debt Consolidation

Life can be unpredictable, and sometimes you need extra funds for unexpected expenses. Our personal loans provide quick access to cash when you need it most. If you're juggling multiple debts, consider our debt consolidation options, which can simplify your payments into one manageable monthly amount.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform provides a user-friendly experience where you can view account balances, pay bills, and transfer money with just a few clicks. If you're looking for quick ways to send money to friends or family, our person-to-person transfer feature makes it simple and fast. Plus, you can enjoy the added benefit of mobile payments just tap and go! For those who prefer managing their finances on the go, our mobile application is here to help. Download it today and take advantage of all the features right from your smartphone. Whether you're checking your balance or making a payment, everything is at your fingertips.

Security You Can Trust

Your security is our priority. We use electronic signature authorization for transactions, ensuring that your sensitive information remains protected. Additionally, you can opt for e-statements, which not only help reduce paper waste but also allow you to easily access your statements whenever you need them. With these digital banking solutions at South Carolina, managing your finances has never been easier or safer. Experience the convenience of real-time account management today! Visit us online at https://www.scfederal.org/ to get started on your journey toward smarter banking.

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 312,661, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) total $8,012,968, further highlighting our commitment to member-focused banking. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, South Carolina is your trusted partner. Visit us at 1317 Folly Rd Charleston Sc 29412 or call (843) 797-8300 to learn more about how we can help you achieve 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.*

Investing in Your Future

With $294,877,879 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $23,587 in used auto loans and $1,932,930,657 in total loans and leases, we support members' financial goals across various sectors.

Member-Focused Savings

Members' savings are secured through $69,036,468 in share certificates and $381,268,239 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $24,544,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $6,349,798 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 567 full-time employees and 23 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 $312,628,701, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.39% 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

Additional Options

For business owners, our outstanding commercial loans totaling $69,636,247 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and our team is dedicated to providing solutions that work for you. At South Carolina, we're committed to making financing accessible for all our members. If you're considering refinancing any existing loans or exploring eligibility options, don't hesitate to reach out. Our team is ready to assist you in finding the best rates and terms available. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Feel free to contact us at (843) 797-8300 during our operating hours from Monday to Friday, 9:00 AM to 5:30 PM. We look forward to helping you achieve your financial dreams!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $409,904,285 in used vehicle loans and $113,891,356 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our flexible terms can make it easier than ever to get behind the wheel.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $163,775,717, make buying or refinancing simple. Our knowledgeable staff can guide you through the process, ensuring that you understand each step and feel confident in your decisions.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $53,439,616 in loans helping members manage their finances effectively. These cards provide you with purchasing power while offering rewards that can benefit your everyday spending.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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), ensuring fair and transparent offers. This commitment to accurate sourcing means users can trust that the loan options presented are legitimate and competitive.

SOUTH CAROLINA FEDERAL CREDIT UNION - Charleston, SC

Type of Loan Offerings

Personal Loans

Compare Loan Rates Near You

Loan rates in Charleston, SC (29412)