Florence SC Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to South Carolina, your trusted partner in financial growth and community support, located at 2321 Trade Ct Florence Sc 29501 in beautiful Florence, SC. Since our establishment in 1936, we have proudly served our members with dedication and integrity. With over 173,960 members and total assets amounting to a remarkable $2,519,426,018, we are committed to helping you achieve your financial goals. At David Mcleod, we understand that every member has unique needs. Whether you're looking for personal banking solutions, auto loans, or business financing, our team is here to provide personalized service tailored just for you. We currently manage a robust portfolio of 95,937 loans and leases, ensuring that we can offer competitive options that fit your lifestyle. Our commitment to the community goes beyond just numbers. With a net worth of $312,628,701 and cash reserves of $60,972,713, we are financially strong and ready to support our members during their journeys. Under the leadership of our CEO, Scott Woods, and Board President, James Mace, we foster an environment where your financial well-being is our top priority. For any official correspondence, please note that while you can visit us at our branch location, you may also reach us at our mailing address: 2321 Trade Ct, Florence, SC 29501-4076. We're here for you Monday through Friday from 9:00 AM to 5:30 PM. Have questions? Feel free to give us a call at (843) 519-2755 or send us a fax at (843) 569-6389. Join us today at https://www.scfederal.org/ and discover how we can help you build a brighter financial future!

Branch History & Mission

A Commitment to Innovation

As times change, so do we. At South Carolina, we embrace technology to improve our services while ensuring compliance with ADA standards. Our digital advancements include online banking, mobile payments, and e-statements making it easier than ever for you to manage your finances from anywhere. While members can visit us at 2321 Trade Ct Florence Sc 29501, official correspondence should be sent to 2321 Trade Ct, Florence, SC 29501-4076 if it differs from our physical location. If you have questions or need assistance, don't hesitate to reach out at (843) 519-2755. We invite you to become part of our family here at South Carolina. Join us today and experience firsthand how we can help you achieve your financial goals while being an integral part of our vibrant community!

Our Mission

The mission of South Carolina goes beyond just offering financial services. We believe in empowering our members by providing them with the tools they need for financial success. Whether it's through personal banking options like checking and savings accounts, auto loans, or credit cards with rewards, we strive to meet the diverse needs of our community. In addition to our financial offerings, we actively engage in community outreach efforts. We are dedicated to fostering relationships within Florence and aim to support local initiatives that enhance the quality of life for everyone around us. Our focus is on not just serving our members but enriching their lives through education and support.

Branch Location & Accessibility

Get in Touch

We invite you to visit us at South Carolina today! Our friendly staff is eager to assist you with your financial needs. If you have questions or would like more information about our services, feel free to call us at (843) 519-2755. Come see how we can make your banking experience better!

Nearby Landmarks and Accessibility

Our location is close to several local landmarks, making it easy for you to find us. Just a short drive from the bustling downtown area, we're nestled among shops and restaurants that make your visit more convenient. Plus, parking is ample and hassle-free, allowing you to stop by without any stress. For those who may have mobility concerns, rest assured that our branch is fully ADA compliant. We provide ramps and other accessibility features to ensure everyone feels welcome.

Operating Hours and Services

We know your time is valuable! That's why we offer flexible banking hours from Monday through Friday, 9:00 AM to 5:30 PM. During these hours, you can enjoy a range of services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and even business banking solutions. Don't forget about our ATM availability; you can conveniently access cash whenever you need it. If you're in a hurry or prefer a drive-thru option for quick transactions like deposits and withdrawals, we've got that covered too!

Member Eligibility

At South Carolina, we believe that becoming a member is like joining a supportive family where your financial well-being is our top priority. If you're looking to become part of our community, you'll find that the process is simple and welcoming. Anyone who lives, works, worships, or attends school in the Florence area can qualify for membership. This means that whether you're new to the community or have been here for years, there's a place for you at our branch. Joining us not only grants you access to a variety of financial services designed with your needs in mind, but it also opens the door to exclusive benefits like competitive loan rates and personalized service. To get started on your journey with us, feel free to check out more detailed eligibility criteria at http://www.scfederal.org/why-us/membership-benefits . And when you're ready to open an account, just visit https://online.scfederal.org/auth/enrollment?_gl=1*1h067ag*_gcl_au*mzy5nzc2mti2lje3mzq0ndmyotm . or give us a call at (843) 519-2755. We can't wait to welcome you to South Carolina, located conveniently at 2321 Trade Ct Florence Sc 29501!

Business Banking & Commercial Services

At South Carolina, we understand that every business has unique needs and aspirations. Whether you're just starting out or looking to expand, having the right financial partner can make all the difference. Our commercial loan options are designed to help you achieve your goals, from funding new equipment to managing cash flow during peak seasons. Imagine a local bakery that dreams of expanding its menu but lacks the funds for new ovens and kitchen staff. With our support, this bakery could access our member commercial loans, which total over $235, helping them scale their operations and serve more customers. 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. Additionally, our merchant services simplify transactions, allowing you to accept payments easily and securely. This means you can focus more on what you do best running your business. Visit us at 2321 Trade Ct Florence Sc 29501 in Florence, SC, or call us at (843) 519-2755 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, our business banking services provide essential support. From merchant services that simplify payment processing to tailored business loans that fuel growth, we're committed to helping your business thrive.

Convenient Access

We recognize the importance of convenience in today's fast-paced world. That's why we offer ATM services for quick cash withdrawals and balance checks. Our basic drive-thru banking allows for simple transactions without stepping inside the branch perfect for those busy days when time is of the essence!

Credit Options

To help you manage expenses or fund unexpected purchases, we offer credit cards with rewards that allow you to earn while you spend. This way, every transaction brings you closer to exciting rewards!

Digital Banking Features

Embracing technology is key to enhancing member experience at David Mcleod. Our online and mobile banking features enable easy account management from the comfort of your home or on the go. You can make payments, transfer funds, and even utilize person-to-person payment options with just a few clicks. At South Carolina, we strive not only to meet but exceed your financial needs with our comprehensive array of services. If you're ready to take the next step towards better financial health or if you have questions about any of our offerings, don't hesitate to reach out! Call us at (843) 519-2755 or visit us today at 2321 Trade Ct Florence Sc 29501 in Florence, SC. Join us on this journey toward financial success!

Home Financing

When it comes to homeownership, we understand how important it is to find the right mortgage solution. Our mortgage loans and refinancing options come with flexible terms that can fit your budget. With our team's guidance, navigating the home-buying process can be straightforward and stress-free.

Personal Banking

For individuals seeking reliable banking solutions, our personal banking services include checking and savings accounts designed for everyday needs. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to check balances and make transfers anytime, anywhere. If you're considering purchasing a vehicle, our auto loans and vehicle financing options offer competitive rates that can help make that dream car a reality. Plus, if you're looking to consolidate debt or need some extra cash, our personal loans are here to assist you.

Digital & Online Banking

Key Features

Our members benefit from an array of features that make banking easier than ever. Enjoy the convenience of e-statements, allowing you to view your account statements electronically no need for paper clutter! You can also use mobile payments, giving you the freedom to pay on-the-go without carrying cash or cards. For those moments when you need to send money quickly, our person-to-person transfers feature lets you send funds directly to friends or family with ease. And if you're always on the move, don't forget about our mobile application, which allows you to manage your accounts right from your smartphone. Security is a top priority for us. With electronic signature authorization, signing documents is not only fast but also secure. Rest easy knowing that your personal information is protected while you enjoy the convenience of modern banking. In short, at South Carolina, we believe in making banking accessible and straightforward. Our digital services are designed to provide real-time account management right at your fingertips, ensuring that you stay in control of your finances wherever life takes you. Whether you're at home or out and about, managing your money has never been easier!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 312,661, show a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $8,012,968, providing further assurance of our commitment to serving you well. 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 2321 Trade Ct Florence Sc 29501 or call (843) 519-2755 to learn more about how we can help you achieve your financial goals.

Commitment to Growth and Service

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 supports your financial goals with $23,587 in used auto loans and $1,932,930,657 in total loans and leases. 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. Our operational efficiency is evident with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Savings Solutions

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.

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

Additional Information

If you're considering refinancing any existing loans, or if you want to explore eligibility options, our team at South Carolina is here to assist you every step of the way. We encourage you to reach out and discuss how we can help streamline your finances. You can visit us at our branch located at 2321 Trade Ct Florence Sc 29501 in Florence, SC, or give us a call at (843) 519-2755 during our operating hours from Monday to Friday, 9:00 AM - 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At South Carolina, we are dedicated to providing reliable services that empower our members financially. Let's work together towards achieving your financial aspirations!

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. We provide flexible terms to ensure that you can find the right fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $69,636,247 provide the capital needed to grow and expand your operations. We are committed to supporting local businesses through various financing options tailored to meet specific needs.

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 offer competitive rates and assistance throughout the process to make it as smooth as possible.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why 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, our credit cards come with benefits designed to enhance your purchasing power.

Loan Aggregator

Benefits of Using LendMesh

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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 ensures that all offers are fair and transparent. Each loan offer is pulled from legitimate financial institutions, giving users peace of mind that they are viewing verified data.

SOUTH CAROLINA FEDERAL CREDIT UNION - Florence, SC