Goose Creek SC Credit Union | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to South Carolina, your trusted financial partner located at 82 Bridgetown Rd Goose Creek Sc 29445 in the heart of Goose Creek, SC. Established in 1936, our credit union has grown alongside our community, proudly serving over 173,960 members with dedication and care. With total assets exceeding $2,519,426,018, we're committed to helping you achieve your financial goals. At South Carolina, we understand that banking is more than just numbers it's about building relationships and supporting one another. Whether you're looking for personal banking services like checking and savings accounts, auto loans, or mortgage refinancing, we have a range of options tailored just for you. Our team is here to ensure that every interaction is positive and helpful. While members can visit us at 82 Bridgetown Rd Goose Creek Sc 29445, official correspondence should be sent to PO Box 190012, North Charleston, SC 29419-9012. You can reach us at (843) 797-8300 during our lobby hours, Monday through Friday from 9:00 AM to 5:30 PM. Under the leadership of our CEO, Scott Woods, and Board President, James Mace, we strive to foster a welcoming environment where everyone feels valued. Our dedicated staff of 590 works hard every day to provide top-notch service and support. We invite you to explore what makes us unique. With total deposits of $161,963,638 and a net worth of $312,628,701, we are financially strong and ready to assist you in any way we can. Visit our website at https://www.scfederal.org/ for more information on how we can serve your needs or come see us in person! Your journey towards better banking starts here!

Branch History & Mission

Join Us

As we look toward the future, we invite you to be a part of the South Carolina family. Whether you're looking for reliable banking options or seeking ways to get involved in your community, we are here for you. Visit us during our operating hours from Monday through Friday between 9:00 AM and 5:30 PM or give us a call at (843) 797-8300. Experience firsthand how being a member of South Carolina can benefit you today!

Our Journey

Since opening our doors, South Carolina has evolved significantly. From humble beginnings, we have embraced change while staying true to our core values of integrity, service, and community support. Our main office is conveniently located at 82 Bridgetown Rd Goose Creek Sc 29445, making it easy for you to visit us for all your banking needs. You can also send official correspondence to our mailing address at PO Box 190012, North Charleston, SC 29419-9012. Throughout the years, we have focused on expanding our services to better meet the needs of our members. We are proud to offer a range of products including personal banking accounts, auto loans, mortgage loans, and credit cards with rewards. Additionally, we provide online and mobile banking services for your convenience.

Our Mission

At South Carolina, our mission is simple yet profound: to improve the financial well-being of our members and enhance the quality of life in our community. We believe that everyone deserves access to affordable financial services that empower them to achieve their goals. This commitment drives us to engage in community outreach programs and partnerships that uplift those around us. Our team is dedicated not only to providing excellent customer service but also to ensuring that all our facilities are accessible. With ADA compliance in place, we strive to create an inclusive environment for everyone who walks through our doors.

Branch Location & Accessibility

Welcome to South Carolina! Conveniently located at 82 Bridgetown Rd Goose Creek Sc 29445 in the heart of Goose Creek, South Carolina, our branch is designed to meet your banking needs with ease. Whether you're on your way to a nearby landmark or just passing through, we're here to serve you. Our friendly staff is ready to assist you with all your financial inquiries. While members can visit us at 82 Bridgetown Rd Goose Creek Sc 29445, official correspondence should be sent to PO Box 190012, North Charleston, SC 29419-9012. Our location offers ample parking and is fully accessible, ensuring everyone can easily access our services. You'll find features like ramps and ADA-compliant facilities that make it simple for all members of the community to bank with us. Our lobby hours are designed for your convenience open Monday through Friday from 9:00 AM to 5:30 PM. If you prefer quick transactions, take advantage of our drive-thru service for deposits and withdrawals without leaving your vehicle. Plus, we have an ATM available for those times when you need cash on the go. At South Carolina, we pride ourselves on offering a wide range of services including personal banking, auto loans, mortgage options, credit cards with rewards, and business banking solutions. Whether you want to open a checking account or explore financing options, we're here to help. If you have any questions or would like more information about our services, please don't hesitate to call us at (843) 797-8300. We invite you to stop by and experience the difference that community-focused banking can make!

Member Eligibility

At South Carolina, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and open to those who live, work, or worship in our local area. If you're looking for a financial institution that prioritizes your needs and helps you thrive, you'll find just that with us. To see if you meet the eligibility requirements, check out our detailed guide at http://www.scfederal.org/why-us/membership-benefits . Opening an account is just as easy! You can get started right away by visiting our website at https://online.scfederal.org/auth/enrollment?_gl=1*1h067ag*_gcl_au*mzy5nzc2mti2lje3mzq0ndmyotm. , or feel free to give us a call at (843) 797-8300 if you have any questions. We're here to help you every step of the way as you join our friendly family at South Carolina, located conveniently at 82 Bridgetown Rd Goose Creek Sc 29445.

Business Banking & Commercial Services

Financing Options for Every Business

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.

Merchant Services That Make Life Easier

In addition to loans, we offer merchant services designed to streamline your payment processes. Imagine being able to accept payments seamlessly from your customers whether they pay by card or mobile app making transactions easy and efficient. Our services help you focus on what matters most: growing your business. Located conveniently at 82 Bridgetown Rd Goose Creek Sc 29445, Goose Creek, SC 29445, we're here to provide the tools you need for success. Contact us today at (843) 797-8300 to learn how we can partner with you on your business journey!

Comprehensive List Of Services

Accessible Branch Services

When you visit us at our branch located at 82 Bridgetown Rd Goose Creek Sc 29445, you'll find friendly staff ready to assist with basic drive-thru banking services for deposits, withdrawals, and simple transactions. Our team is here to ensure that your experience is smooth and enjoyable. At South Carolina, we strive to create an environment where all members feel valued and supported in their financial journey. With comprehensive services designed with your needs in mind, we're here for you every step of the way. Ready to explore how we can help? Call us at (843) 797-8300 or visit our website at Goose Creek today!

Business Banking Services

For our business members, we offer tailored banking solutions that support growth and efficiency. Our business banking services include merchant services to streamline transactions and business loans that provide the capital needed for expansion or new opportunities. We are committed to helping local businesses thrive in Goose Creek.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options, enabling you to manage your finances from anywhere at any time. With features like mobile payments and person-to-person transfers, staying on top of your finances has never been easier. Plus, our ATM availability allows for cash withdrawals and balance checks whenever you need them.

Personal Banking Solutions

Managing your finances should be straightforward and accessible. Our personal banking services include checking and savings accounts that cater to your everyday needs. Imagine having a reliable account where you can easily deposit your paycheck and save for future goals. For those planning to purchase a vehicle, our auto loans and vehicle financing options make it simple to get behind the wheel of your dream car without the financial strain. If homeownership is on your horizon, our mortgage loans and refinancing options can help turn that dream into reality. We also offer personal loans for various purposes, such as debt consolidation, allowing you to simplify your payments into one manageable monthly amount. And let's not forget about our credit cards with rewards, providing you with additional perks every time you shop.

Digital & Online Banking

Additional Features

Need to send money to a friend? Our person-to-person transfers Yes make it simple and quick. And if you're someone who loves using mobile payments Yes, we've got you covered there too! Just link your accounts and enjoy the ease of paying with your phone. At South Carolina, we strive to provide user-friendly features that fit into your busy lifestyle. From real-time account management to easy access through our mobile app, we're here to help you take control of your finances without any hassle. Explore all these services today by visiting us at https://www.scfederal.org/ and experience how simple banking can be!

Key Services Offered

Our online banking platform, available at https://www.scfederal.org/ , provides 24/7 access to your accounts. This means you can check your balance, transfer funds, and pay bills whenever it suits you. Plus, our mobile application makes banking even more accessible. Whether you're waiting in line or relaxing at home, you can manage your finances right from your smartphone. Security is always a top priority for us. We use electronic signature authorization Yes to ensure that your transactions are safe and secure. You can also enjoy the peace of mind that comes with e-statements Yes, which help keep your financial information private while allowing you to easily track your spending.

Financial Strength

A Strong Foundation

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.

Commitment to Growth

Our commitment to growth is evident in our $294,877,879 in undivided earnings, which allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $23,587 in used auto loans and $1,932,930,657 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member Trust

With 312,661 showing a strong and growing member base that trusts us with their finances, our total net shares available for lending stand at $8,012,968. This emphasizes our capability to meet your borrowing needs while maintaining a solid balance sheet. 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 82 Bridgetown Rd Goose Creek Sc 29445 or call (843) 797-8300 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secure with us. Members' savings are supported 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 focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 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.

Loan Offering

Additional Financing Options

For business owners, our outstanding commercial loans totaling $69,636,247 provide the capital needed to grow and expand. We also have various credit lines available with a total value of $765,007,137, ensuring that you have access to funds when you need them most. If you're considering refinancing options, our team is ready to assist you in finding solutions that best match your financial goals. Visit us at our branch located at 82 Bridgetown Rd Goose Creek Sc 29445, or give us a call at (843) 797-8300 for more information about our loan products and eligibility criteria. 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're committed to helping you navigate your financial journey confidently and effectively.

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 eyeing a brand-new vehicle or a reliable used option, we have tailored solutions to suit your 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 various plans to help you secure your dream home with ease.

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. Our credit cards come with rewards that can benefit you while making everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

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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 commitment ensures that users receive fair and transparent offers tailored to their specific needs. Each loan option is presented clearly, allowing for straightforward comparisons.

SOUTH CAROLINA FEDERAL CREDIT UNION