Mount Pleasant SC Credit Union | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to South Carolina, your trusted partner in financial well-being. Located at 3072 N Highway 17, Mount Pleasant, SC 29466, we have been serving our community since 1936. With over 173,960 members and a robust asset base of $2,519,426,018, we are dedicated to providing personalized banking solutions that cater to your unique needs. At South Carolina, we believe in the power of community. Our mission is to empower our members by offering a range of services including checking and savings accounts, auto loans, mortgages, and business banking options. We pride ourselves on our commitment to excellence, supported by our experienced team of 590 employees led by CEO Scott Woods and Board President James Mace. In addition to our extensive offerings, we maintain a strong financial foundation with total deposits reaching $161,963,638 and a net worth of $312,628,701. Our cash reserves stand at $60,972,713, ensuring that we can meet the financial needs of our members promptly. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 3072 N Highway 17, Mount Pleasant, SC 29466-9315. Explore how South Carolina can help you achieve your financial goals today! Whether you're looking for a loan or simply want to learn more about our services, feel free to reach out at 843-797-8300 or visit us online at www.scfederal.org. Your journey towards financial empowerment starts here!

Branch History & Mission

Commitment to Innovation

In an ever-changing world, South Carolina embraces technological advancements to enhance your banking experience. We offer features like online banking, mobile payments, and e-statements, ensuring that your finances are just a click away. Our commitment extends to making our services accessible for everyone, complying with ADA standards so that all members can navigate their financial journeys comfortably. With an ATM on-site and drive-thru banking available during our operating hours of M-F 9:00 AM to 5:30 PM, we're here when you need us. Plus, our dedicated team is always ready to assist you whether you're visiting us in person or reaching out via phone at (843) 797-8300.

Join Us!

As we continue this journey together, we invite you to become part of the South Carolina family. Experience firsthand the benefits of membership where community support meets exceptional financial services tailored just for you. Visit us today or explore more about joining at our website! Together, let's build a brighter financial future!

Our Mission

At South Carolina, our mission is simple yet profound: we strive to improve the financial well-being of our members while actively supporting the communities we serve. We believe that everyone deserves access to quality financial services, and we work tirelessly to ensure that our offerings meet those needs effectively. From personal banking options like checking and savings accounts to auto loans and mortgages, we provide a wide range of services designed with our members in mind. We also emphasize community engagement through partnerships and outreach programs that uplift those around us. Whether it's sponsoring local events or collaborating with non-profits, we are dedicated to making a positive impact beyond just banking.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Our branch is near popular spots like the scenic Shem Creek and the vibrant shopping areas of Mount Pleasant Towne Centre. This prime location ensures that you can easily visit us while enjoying your time in the community. For those driving, we offer ample parking with ADA-compliant spaces to ensure everyone has access to our services.

Operating Hours and Services Offered

We know your time is valuable, so our lobby hours are set from Monday to Friday, opening at 9:00 AM and closing at 5:30 PM. Whether you need personal banking services like checking and savings accounts, auto loans, or mortgage refinancing, our dedicated team is here to assist you. Plus, if you're on the go, take advantage of our ATM services available on-site and drive-thru banking for quick transactions without leaving your car. While members can visit us at 3072 N Highway 17 Mount Pleasant Sc 29466, official correspondence should be sent to our mailing address at 3072 N Highway 17, Mount Pleasant, SC 29466-9315. If you have questions or need assistance, don't hesitate to call us at (843) 797-8300. We invite you to come see how South Carolina can help meet your financial needs! Stop by today or give us a call we're excited to serve you!

Member Eligibility

Becoming a member of South Carolina feels like stepping into a warm and welcoming community where your financial well-being is the priority. If you're wondering about eligibility, you'll be pleased to know that joining us is open to various individuals! Generally, those who live, work, worship, or attend school in the area can become members. This means that if you're part of our vibrant local community in and around Mount Pleasant, you likely qualify! Plus, being a member gives you access to fantastic benefits, including personalized banking services, competitive loan rates, and financial education resources designed just for you. To start your journey with us at South Carolina, simply visit our website for detailed eligibility information at http://www.scfederal.org/why-us/membership-benefits . When you're ready to open an account, the process is straightforward just check out our online account opening details here: https://online.scfederal.org/auth/enrollment?_gl=1*1h067ag*_gcl_au*mzy5nzc2mti2lje3mzq0ndmyotm. . If you have any questions or need assistance along the way, feel free to reach out to us at (843) 797-8300. We can't wait to welcome you into our family at 3072 N Highway 17 Mount Pleasant Sc 29466!

Business Banking & Commercial Services

Enhancing Transactions with Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Imagine a busy café where customers can pay easily with their cards or mobile devices. Our services ensure smooth transactions, giving you more time to focus on serving your customers. Visit us at 3072 N Highway 17 Mount Pleasant Sc 29466 in Mount Pleasant, SC, or call us at (843) 797-8300 to learn how we can support your business's financial journey. Together, let's build a brighter future for your enterprise!

Supporting Business Growth

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

Dreaming of a new car? Our Auto Loans & Vehicle Financing services make it easier than ever to hit the road. We provide competitive rates and flexible terms that fit your budget. Picture driving off in your new vehicle with peace of mind knowing you secured an affordable loan that works for you.

Business Banking

For our entrepreneur members, we offer comprehensive Business Banking services including merchant services and business loans. Your business deserves the best support, and we're here to provide personalized assistance as you grow and succeed.

Convenient Access

At South Carolina, accessibility is key. We provide easy access to ATM and cash withdrawal services so you never feel stranded without cash. Need to make simple transactions? Our basic drive-thru banking is quick and convenient, perfect for busy days when time is limited. In this fast-paced world, we know that convenience matters. That's why we're committed to providing all these services under one roof at North Mt. Pleasant while ensuring they are accessible digitally through online banking and mobile applications. We invite you to reach out today! For any questions or assistance regarding our services, don't hesitate to call us at (843) 797-8300 or visit us during our lobby hours from Monday to Friday, 9:00 AM to 5:30 PM. Experience how South Carolina can make banking easier for you!

Credit Cards with Rewards

Who doesn't love earning rewards? Our Credit Cards with Rewards program allows you to earn points on everyday purchases which can be redeemed for exciting rewards. It's like getting paid to shop!

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing your existing mortgage, our Mortgage Loans & Refinancing services can help turn those dreams into reality. We guide you through the process, ensuring you understand all your options so you can make informed decisions about one of the biggest investments in your life.

Personal Banking

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer Personal Banking services that include checking and savings accounts designed for every lifestyle. With our user-friendly online and mobile banking options, you can easily access your accounts anytime, anywhere. Imagine being able to check your balance or transfer funds right from your phone while waiting in line at your favorite café!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our Personal Loans & Debt Consolidation, we help lighten the load. Whether it's funding a special project or consolidating debt for easier management, we offer solutions to help you regain control of your finances.

Digital & Online Banking

Convenient Online Banking Services

With our 24/7 online banking services available at https://www.scfederal.org/ , you can check your account balances, pay bills, transfer funds, and much more all with just a few clicks. You no longer need to wait in line; everything you need is right at your fingertips.

On-the-Go Banking

Our mobile application allows you to manage your accounts anytime, anywhere. You can make mobile payments, conduct person-to-person transfers, and even deposit checks right from your smartphone. No matter where life takes you, you'll have all the tools you need for real-time account management. At South Carolina, we believe that banking should fit into your lifestyle seamlessly. Explore our digital offerings today to see how we can help simplify your financial journey!

Secure and User-Friendly Features

Security is our top priority. Our electronic signature authorization ensures that your transactions are secure and verified. Plus, with e-statements available, you can easily access your financial statements without the clutter of paper documents. Going green has never been easier!

Financial Strength

At South Carolina, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand how important it is for you to know that your finances are in safe hands. 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. 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. 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 substantial; 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. Our operational efficiency is reflected in our $0, which enables 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. Net Shares (Funds available for lending and investments): $8,012,968. Total Share and Deposit Accounts: 312,661, showing a strong and growing member base that trusts us with their finances. 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 3072 N Highway 17 Mount Pleasant Sc 29466 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.*

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. We have flexible financing options that make it easy for you to drive away in your dream vehicle. Plus, if you're considering refinancing your current auto loan, we can help you explore eligibility options to save even more.

Business Loans

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 we're committed to supporting you with tailored financial solutions.

Conclusion

At South Carolina, located at 3072 N Highway 17 Mount Pleasant Sc 29466, Mount Pleasant, SC 29466, we're dedicated to providing personalized service and competitive rates on all our loan products. If you have questions or need assistance, feel free to reach out at (843) 797-8300 during our operating hours from Monday to Friday, 9:00 AM to 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. Let us help you achieve your financial dreams today!

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

Unsecured Credit Cards

Managing everyday expenses just got easier with our unsecured credit card loans. We 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 a great way to build credit while enjoying rewards for your spending.

Loan Aggregator

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 means that you receive fair and transparent offers tailored to your needs. Each lender's information is carefully vetted to ensure that you are looking at reliable rates.

Key Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve your best interests. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions empower you to make informed decisions without unnecessary delays. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the effectiveness and reliability of the service. Take control of your financial future. 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.

SOUTH CAROLINA FEDERAL CREDIT UNION