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

Introduction

Welcome to East Cooper, a proud branch of South Carolina Credit Union, located at 910 Houston Northcutt Blvd, Mt Pleasant, SC 29464. Established in 1936, our credit union has grown to serve over 173,960 members, reflecting our commitment to the community and financial well-being of each individual we serve. With total assets reaching an impressive $2,519,426,018 and total deposits of $161,963,638, we are dedicated to providing our members with reliable financial solutions tailored to their unique needs. At East Cooper, we believe that banking should be personal. Under the leadership of our CEO, Scott Woods, and Board President, James Mace, we strive to create a welcoming environment where your financial goals can flourish. Whether you are looking for checking accounts, auto loans, or business financing options, our knowledgeable team is here to help guide you every step of the way. While members can visit us at our branch location for face-to-face service, official correspondence should be sent to our mailing address: PO Box 190012, North Charleston, SC 29419-9012. We invite you to explore the various services we offer from online and mobile banking options to personalized loan solutions. With total loans exceeding 95,937, we take pride in helping individuals achieve their dreams through accessible financing. If you're ready to embark on your financial journey with us or simply have questions about how we can assist you better, don't hesitate to reach out! Call us at 843-797-8300 or visit our website at scfederal.org for more information. Your future starts here at East Cooper!

Branch History & Mission

Community Focus

We take pride in being ADA compliant and continuously improving our facilities to ensure accessibility for all. With convenient drive-thru banking options available and ATMs on-site, we make it easy for everyone to access their funds quickly. Our operating hours are Monday through Friday from 9:00 AM to 5:30 PM, so there's always time for you to stop by or give us a call at (843) 797-8300. As we look towards the future, we invite you to join us on this journey. Experience firsthand the benefits of being part of South Carolina a place where your financial goals are nurtured within a supportive community. Visit us today or explore more about membership options here. Together, let's build a brighter future!

Our Mission

At South Carolina, our mission is simple yet profound: We aim to provide exceptional financial services while fostering a sense of belonging among our members. We believe that everyone deserves access to financial resources that support their dreams whether it's buying a home, financing a vehicle, or planning for retirement. Our services include personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. We also offer modern conveniences such as online and mobile banking, ensuring our members can manage their finances anytime and anywhere. While you can visit us at 910 Houston Northcutt Blvd Mt Pleasant Sc 29464, official correspondence should be sent to PO Box 190012, North Charleston, SC 29419-9012 if needed.

Our Story

Located at 910 Houston Northcutt Blvd, Mt Pleasant, SC 29464, our branch has witnessed remarkable changes in both the financial landscape and our community. From humble beginnings, we have expanded our services to meet the evolving needs of our members. We understand that financial well-being is essential for individuals and families, which is why we've worked tirelessly to provide accessible banking solutions. We are more than just a financial institution; we strive to be an integral part of the Mt Pleasant community. Our commitment to local outreach has led us to partner with various organizations, supporting initiatives that uplift and empower those around us.

Branch Location & Accessibility

Convenient Access and Features

At East Cooper, we prioritize your convenience and comfort. Our branch offers ample parking for members, ensuring a hassle-free visit. We are proud to be ADA-compliant, featuring ramps and accessible entrances to accommodate everyone. Plus, with our drive-thru service available, completing quick transactions has never been easier!

Let’s Connect!

Ready to experience personalized banking? Feel free to give us a call at 843-797-8300 or stop by our East Cooper branch today! We look forward to welcoming you and helping you achieve your financial goals!

Operating Hours and Services

We're here for you Monday through Friday from 9:00 AM to 5:30 PM, making it easy to fit banking into your busy schedule. Our friendly staff is ready to assist with a range of services including checking and savings accounts, auto loans, mortgage options, and more. You can also take advantage of our ATM availability for cash withdrawals and balance checks whenever you need. While members can visit us at 910 Houston Northcutt Blvd for all their banking needs, please send any official correspondence to PO Box 190012, North Charleston, SC 29419-9012.

Member Eligibility

Becoming a member of South Carolina is like joining a caring family that's dedicated to your financial well-being. If you're a resident of South Carolina or work here, you're already on your way! Our membership is open to anyone who shares our commitment to community and responsible banking. Whether you're looking for a personal checking account, loans, or other financial services, we welcome you with open arms. You can check out the complete details about eligibility at http://www.scfederal.org/why-us/membership-benefits . Joining us is simple and straightforward. Just visit our website at https://online.scfederal.org/auth/enrollment?_gl=1*1h067ag*_gcl_au*mzy5nzc2mti2lje3mzq0ndmyotm . to get started on opening your account today! If you have any questions or need assistance along the way, feel free to reach out to us at (843) 797-8300. We're here to help and excited to welcome you to the South Carolina family!

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. - 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

In addition to loans, we offer merchant services that simplify payment processing. Imagine a local café using our point-of-sale systems to quickly accept card payments, allowing them to serve more customers during busy hours. Our services are designed to enhance your operational efficiency and customer experience. Located at 910 Houston Northcutt Blvd Mt Pleasant Sc 29464 in Mt Pleasant, SC, we're here to partner with you on your journey. Let us help you turn your business dreams into reality! For more information or to get started, call us at (843) 797-8300.

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll find valuable resources through our business banking services. From merchant services that streamline payment processing to business loans that help fund your next big project, we cater to all sizes of businesses in our community.

Connect with Us

We invite you to discover how South Carolina at East Cooper can assist you with all your financial needs. With friendly staff ready to help and a commitment to member satisfaction, you're not just a number; you're part of our community. For more information or any inquiries, feel free to call us at (843) 797-8300 during our operating hours from Monday to Friday between 9:00 AM and 5:30 PM. Join us today and let's work together towards a brighter financial future!

Credit Solutions

Managing debt can be challenging, but with our personal loans and debt consolidation services, we can help simplify your financial obligations. Plus, our credit cards with rewards give you the chance to earn benefits for every purchase you make perfect for those who love to travel or shop.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking solutions. You can easily manage your accounts anytime, anywhere whether it's checking balances, transferring funds, or paying bills right from your phone. Our ATM & cash withdrawal services ensure that you have quick access to your cash whenever needed. For simpler transactions, take advantage of our basic drive-thru banking, where you can make deposits and withdrawals without leaving your car. And for quick cash needs, our basic ATM access allows for easy withdrawals and balance checks.

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your day-to-day finances while also saving for the future. If you're considering buying a new car, our auto loans and vehicle financing options make it easy to hit the road without breaking the bank. For those looking to buy a home or refinance an existing mortgage, we provide competitive rates on mortgage loans and refinancing, making homeownership more accessible.

Digital & Online Banking

Accessibility and Convenience

Our commitment to accessibility means that no matter where life takes you, your bank is right there with you. From tracking spending habits to setting up alerts for account activity, real-time management helps keep your financial goals within reach. Embrace the ease of banking digitally at South Carolina. With our services tailored for today's busy lifestyle, managing your finances has never been easier or more secure! Explore all that we offer by visiting https://www.scfederal.org/ today!

Key Features

We know that security is a top priority for our members. That's why we provide electronic signature authorization for transactions, giving you peace of mind that your sensitive information is protected. Plus, with e-statements available, you'll have quick access to your account statements without the clutter of paper helping you stay organized while being eco-friendly. If you're always on the go, our mobile application enhances your banking experience further. You can make mobile payments and easily send money to friends or family with our person-to-person transfer feature. Imagine being able to settle a dinner bill instantly or share expenses with just a tap on your phone!

Financial Strength

Growing Member 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 available for lending and investments amount to $8,012,968, reinforcing our commitment to supporting your financial needs. 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 910 Houston Northcutt Blvd Mt Pleasant Sc 29464 or call (843) 797-8300 to learn more about how we can help you achieve your financial goals.

Member-Centric 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 $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 567 full-time employees and 23 part-time employees who are dedicated to serving you with knowledgeable support.

Reinvesting for Your Benefit

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 across various sectors, with $23,587 in used auto loans and $1,932,930,657 in total loans and leases.

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, our financing options make it easier for you to drive home in the vehicle you want. Whether you're eyeing a reliable used car or a brand-new model, we've got you covered.

Business Financing

For business owners, our outstanding commercial loans totaling $69,636,247 provide the capital needed to grow and expand. We aim to support local businesses by offering tailored solutions that align with your unique goals and challenges. At South Carolina, we're committed to transparency and helping you find the best loan options available. If you have any questions or would like more information on refinancing or eligibility options, please don't hesitate to reach out to us at (843) 797-8300 or visit us at our branch located at 910 Houston Northcutt Blvd Mt Pleasant Sc 29464 in Mt Pleasant, 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 you every step of the way as you navigate your financial journey!

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 terms and conditions to suit your financial situation, so you can focus on making your house a home.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. 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 product is ideal for those looking for convenience and reliability without the burden of collateral.

Loan Aggregator

How LendMesh Ensures 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 commitment ensures that users receive fair and transparent offers when comparing loans.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This means you can trust that the rates you see are accurate and reflective of current market conditions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. You can feel confident knowing that every offer is presented based solely on its merit. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, which helps in making informed decisions quickly. This immediacy allows borrowers to act fast when they find a favorable rate. 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!" This kind of feedback highlights the value that LendMesh brings to its users. If you're ready to explore your options, 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