Columbia SC Credit Union | Best Auto Loans & Top Checking Accounts

Introduction

Welcome to South Carolina, your trusted credit union located at 4503 Forest Dr, Columbia, SC 29206. Established in 1936, we have been dedicated to serving our community for over 85 years. With a strong commitment to our members and a total membership of 173,960, we pride ourselves on providing personalized financial services that cater to your unique needs. At South Carolina, we understand the importance of having a solid financial partner. That's why our assets total an impressive $2,519,426,018, ensuring that we have the resources to help you achieve your financial goals. Whether you're looking for auto loans, mortgage options, or everyday banking services, we are here to assist you every step of the way. Our leadership team is passionate about fostering a supportive environment. Under the guidance of CEO Scott Woods and Board President James Mace, our staff of 590 employees is dedicated to providing exceptional service. We aim not just to be a financial institution but a valued part of your community. While members can visit us at our branch location, official correspondence should be sent to PO Box 190012, North Charleston, SC 29419-9012. For any inquiries or assistance, feel free to reach out at (803) 738-8300 during our operating hours from Monday to Friday, 9:00 AM to 5:30 PM. Join us today and experience the difference that a member-focused credit union can make in your life. Discover how we can help you with your financial journey by visiting our website at www.scfederal.org. We look forward to welcoming you into the South Carolina family!

Branch History & Mission

Join Us

As we continue this journey together, we invite you to experience the benefits of membership at South Carolina. Whether you're looking for simple checking accounts or comprehensive loan options, we're here to help you every step of the way. Contact us today at (803) 738-8300 or explore our website at https://www.scfederal.org/ for more information on how you can join our growing family and take advantage of everything we offer. Together, let's build a brighter financial future!

Our Journey

Our history is rich with community engagement and commitment. From our humble beginnings, we have continuously adapted to meet the evolving needs of our members. With total assets now exceeding $2,519,426,018, we have successfully navigated economic changes while maintaining our focus on providing exceptional service. We are proud to offer a variety of services, including personal banking, auto loans, mortgages, and business banking solutions. As we look back on our journey, we celebrate not only our growth but also the milestones that have defined us. Our dedication to community outreach has led to numerous partnerships and initiatives aimed at improving the lives of those we serve. Whether it's through financial education programs or local sponsorships, we strive to make a positive impact in Columbia.

Our Mission

At South Carolina, our mission is clear: to empower our members through accessible financial services while fostering a strong sense of community. We believe that everyone deserves the opportunity to thrive financially. That's why we focus on providing tailored solutions that meet individual needs, ensuring all members feel valued and supported. Our operating hours are designed for your convenience: Monday through Friday from 9:00 AM to 5:30 PM, making it easy for you to visit us when it fits your schedule. For those who prefer digital banking, we offer robust online and mobile banking options along with ATM access for quick transactions. While you can always visit us at 4503 Forest Dr Columbia Sc 29206, official correspondence should be directed to PO Box 190012, North Charleston, SC 29419-9012 if different from your visit location.

Branch Location & Accessibility

Welcome to South Carolina at 4503 Forest Dr Columbia Sc 29206 in the heart of beautiful Columbia, SC! Our branch is conveniently located near popular landmarks, making it easy for you to stop by and take care of your banking needs. Whether you're just around the corner or coming from further away, we're here to serve you. At South Carolina, we understand that accessibility is important. Our location is designed with your comfort in mind, featuring ADA-compliant entryways and ample parking space. We also offer a drive-thru service for those on the go, so you can complete your transactions without leaving your car. Plus, you can find an ATM right on-site for quick cash withdrawals and balance checks. While our branch address is where you'll find us, please note that official correspondence should be sent to our mailing address: PO Box 190012, North Charleston, SC 29419-9012. We're open Monday through Friday from 9:00 AM to 5:30 PM, ensuring that you have plenty of time during the week to visit us. If you have any questions or need assistance before coming in, feel free to give us a call at (803) 738-8300. At South Carolina, we offer a variety of services tailored just for you, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. We're committed to providing a friendly atmosphere where you feel valued as a member. So why wait? Come visit us at South Carolina today! We look forward to welcoming you into our branch and helping you with all your financial needs.

Member Eligibility

At South Carolina, becoming a member means joining a welcoming community where your financial needs are at the forefront. If you live, work, or worship in the area, you're likely eligible to become part of our family. We aim to support everyone, from first-time savers to seasoned investors, and we believe that everyone deserves access to quality financial services. To find out if you meet our membership criteria, please take a moment to check out the details on our website at http://www.scfederal.org/why-us/membership-benefits . It's straightforward and designed with you in mind. Once you've confirmed your eligibility, opening an account is easy! You can start the process online by visiting https://online.scfederal.org/auth/enrollment?_gl=1*1h067ag*_gcl_au*mzy5nzc2mti2lje3mzq0ndmyotm . or give us a call at (803) 738-8300 for any questions. Our friendly team is here to help you every step of the way. Join us at 4503 Forest Dr Columbia Sc 29206 and experience the benefits of being a valued member of South Carolina!

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 $235 in commercial loans for our members, helping businesses scale and succeed. Additionally, 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.

Merchant Services That Matter

In addition to our loan offerings, we provide comprehensive merchant services tailored for everyday transactions. Imagine being able to process payments seamlessly while keeping track of sales data all from one place. Whether you run a small shop or a larger enterprise, our services make it easy for you to accept payments and manage your finances efficiently. Visit us at 4503 Forest Dr Columbia Sc 29206 in Columbia, SC or call us at (803) 738-8300 to learn how our business banking and commercial services can help you thrive!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our Business Banking services include essential tools like Merchant Services & Business Loans that support local businesses in thriving. We understand how important it is for entrepreneurs to have reliable financial partners.

Convenient Access

To ensure easy access to your funds and services, we also feature ATM & Cash Withdrawal Services along with basic drive-thru banking options for quick deposits and withdrawals. With an ATM located conveniently at our branch and drive-thru facilities available during business hours (M-F 9:00 AM - 5:30 PM), banking has never been easier. In today's fast-paced world, we recognize the importance of having everything at your fingertips. Our digital features like mobile payments and person-to-person transfers make it simple for you to handle transactions effortlessly. At South Carolina, we're dedicated to supporting you with all your financial needs under one roof. If you're ready to take control of your financial future or have questions about any of our services, don't hesitate to reach out at (803) 738-8300 or visit us at our branch. Together, let's achieve your financial goals! For more information about membership benefits or to open an account online, please check out our website. We look forward to serving you!

Personal Banking Solutions

Starting with our personal banking offerings, we provide various Checking & Savings Accounts tailored to fit your lifestyle. Whether you're saving for a vacation or managing everyday expenses, our accounts come with user-friendly features that make it easy to track your finances. You can conveniently access your funds through Online & Mobile Banking, allowing you to check balances, transfer money, and pay bills from anywhere. For those considering a new car or needing vehicle repairs, our Auto Loans & Vehicle Financing options offer competitive rates and flexible terms. Imagine driving off in your dream car without breaking the bank! Plus, if you're looking to own a home or refinance an existing mortgage, our comprehensive Mortgage Loans & Refinancing services provide expert guidance and support throughout the process.

Personal Loans and Credit Options

Life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation solutions to help you manage financial challenges effectively. With straightforward terms and clear communication, you can feel confident in making informed decisions about your finances. Additionally, explore our Credit Cards with Rewards that allow you to earn points on everyday purchases great for those who love shopping or dining out!

Digital & Online Banking

Key Services

Our online banking platform provides a user-friendly experience, allowing you to check balances, transfer funds, and pay bills quickly and securely. If you prefer mobile banking, our dedicated mobile application is just a download away, putting your financial management right in the palm of your hand. You can even make payments with ease through our mobile payments feature.

Security and Ease-of-Use

We prioritize your security with features like electronic signature authorization, which simplifies signing documents while keeping your information safe. Plus, with e-statements available, you can easily view your account statements online without the hassle of paper clutter. Need to send money to a friend? Our person-to-person transfer service allows you to send funds directly from your account to theirs in just a few clicks. Whether you're at home or on the go, managing your finances has never been so straightforward. In today's fast-paced world, having real-time access to your accounts is essential. At South Carolina, our digital banking services empower you to take control of your finances effortlessly. Explore all these features and more by visiting us at https://www.scfederal.org/ .

Financial Strength

Growing Member Base

The trust placed in us by our members is evident as we proudly report a total of 312,661 share accounts. This growing member base speaks volumes about the confidence you have in our ability to manage your finances effectively. In conclusion, 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 4503 Forest Dr Columbia Sc 29206 or call (803) 738-8300 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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0. This allows 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.

Reinvesting in Our Members

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. Currently, our lending capacity supports members' financial goals across various sectors with $23,587 in used auto loans and $1,932,930,657 in total loans and leases.

Secure Savings Options

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. We prioritize our members' needs over traditional banking practices. 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.

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 $1,239 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 $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 model or a reliable pre-owned vehicle, our team is here to assist you with tailored options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $69,636,247 provide the capital needed to grow and expand. Whether you're starting a new venture or seeking funds for existing operations, we have solutions tailored for small and medium enterprises. At South Carolina, we believe in making borrowing straightforward and accessible. If you're considering refinancing or exploring eligibility options for any of our loan products, don't hesitate to reach out. You can contact us at (803) 738-8300, or visit us at our branch located at 4503 Forest Dr Columbia Sc 29206 in Columbia, SC. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to support your financial goals every step of the way!

Credit Lines

For those looking for more flexibility, our total credit lines amounting to $765,007,137 can help cover ongoing expenses or provide a safety net when needed. It's an excellent way to have access to funds while only paying interest on what you use.

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. We provide support throughout the application process to ensure you find the right solution for your housing needs.

Unsecured Credit Cards

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. This option allows you to handle unexpected expenses or make larger purchases without breaking the bank.

Loan Aggregator

Ensuring Accurate Loan 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 approach guarantees fair and transparent offers that users can trust. By relying on verified data, LendMesh ensures that all loan offers are legitimate, helping to eliminate confusion in the often complex world of lending.

Key Benefits of Using LendMesh

- Verified Data: Loan offers come exclusively from recognized financial institutions, ensuring that users have access to accurate and trustworthy information. - No Sponsored Listings: Unlike many other comparison tools, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from various institutions, allowing them to compare and choose what best fits their needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the real impact that informed choices can have on individuals' financial well-being. Take control of your loan search today. Compare real-time loan offers 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.

SOUTH CAROLINA FEDERAL CREDIT UNION - Columbia, SC