North Charleston SC Credit Union | Convenient Drive-Thru & ATM Access

Introduction

Welcome to South Carolina, where we believe in building strong relationships with our members and the community. Located at 1900 Mcmillan Ave North Charleston Sc 29405, our credit union has been a trusted partner for financial services since 1936. With a proud membership of over 173,960 individuals, we are dedicated to providing personalized banking solutions that meet your needs. At South Carolina, we're not just about numbers; we're about people. We manage assets totaling $2,519,426,018, and our commitment to our members is reflected in our substantial total deposits of $161,963,638. Our team, led by CEO Scott Woods and Board President James Mace, is here to ensure you receive the best service possible. Our branch is equipped to handle a variety of financial needs, with a total loan portfolio that boasts 95,937 loans ready to help you achieve your goals. We also understand the importance of having cash on hand, which is why we maintain an impressive $60,972,713 for immediate access to funds. Whether you're looking to open a new account, apply for a loan, or simply have questions about our services, we encourage you to reach out. You can visit us during our operating hours from Monday to Friday, 9:00 AM to 5:30 PM, or call us at (843) 797-8300. For official correspondence, please use our mailing address: PO Box 190012, North Charleston, SC 29419-9012 if it differs from our branch location. Join us at South Carolina, where your financial well-being is our top priority. Let's work together towards a brighter financial future! Visit us online at https://www.scfederal.org/ for more information and resources tailored just for you.

Branch History & Mission

Community Connections

While members can visit us at 1900 Mcmillan Ave North Charleston Sc 29405, official correspondence should be sent to PO Box 190012, North Charleston, SC 29419-9012. We also offer convenient services like ATM availability and drive-thru banking for easy access to your funds. Our digital advancements ensure that you can manage your finances anytime, anywhere through online banking and mobile applications. We take pride in being ADA compliant and ensuring that all members have equal access to our services. As we look ahead, we're excited about what the future holds for South Carolina. We invite you to join us on this journey. Experience the benefits of membership today! Reach out at (843) 797-8300 or explore more about us at our website. Together, let's build a stronger community through shared success!

Our Journey

Starting as a small credit union, we have seen remarkable growth and transformation. Over the years, we've expanded our services to meet the evolving needs of our community while maintaining our core values of service and integrity. The journey from our humble beginnings to becoming a significant player in the local financial landscape is marked by milestones that reflect our dedication to providing exceptional service. As part of South Carolina's vibrant community, we are proud to contribute to local initiatives and support various outreach programs that uplift those around us. Our commitment extends beyond just banking; we strive to empower individuals with the resources they need to achieve their financial goals.

Our Mission

The mission of South Carolina is simple yet profound: to provide accessible financial services while making a positive impact on our community. We believe that everyone deserves the opportunity for financial stability and growth. Whether it's through personal loans, savings accounts, or educational workshops, we are here to help every member navigate their financial journey with confidence. We understand that banking should be more than just transactions; it should foster relationships. That's why we prioritize personalized service and community engagement in everything we do. Our dedicated staff is always ready to assist you during our operating hours from Monday to Friday, 9:00 AM to 5:30 PM.

Branch Location & Accessibility

Welcome to South Carolina! Conveniently located at 1900 Mcmillan Ave North Charleston Sc 29405 in the heart of North Charleston, SC, our branch is designed to make your banking experience easy and accessible. Whether you're a long-time member or considering joining us for the first time, we're here to provide you with friendly service and essential financial solutions. As you visit us, you'll find our branch situated near popular landmarks like [insert nearby landmark or local business], making it simple to stop by while you're out and about. We offer ample parking for our members, ensuring that you can access our services without any hassle. Plus, we are proud to be ADA compliant, with features like ramps available for those who need them. Our lobby hours are from Monday to Friday, 9:00 AM to 5:30 PM, making it convenient for you to visit us during your day. If you prefer quick transactions, take advantage of our drive-thru banking option for deposits and withdrawals. Additionally, we have ATM services available so you can access your funds any time of the day. While members can visit us at 1900 Mcmillan Ave North Charleston Sc 29405, official correspondence should be sent to PO Box 190012, North Charleston, SC 29419-9012 if that is different. Should you have any questions or need assistance, feel free to call us at (843) 797-8300. We look forward to welcoming you to South Carolina where your financial needs come first!

Member Eligibility

At South Carolina, we believe that joining our community is more than just opening an account it's about becoming part of a family that cares about your financial well-being. If you're looking to become a member, you'll be pleased to know that eligibility is designed to be inclusive and welcoming. Generally, anyone who lives, works, worships, or attends school in the areas we serve can apply. This means that whether you're a local resident or just passing through, you may qualify for membership! For the most detailed and updated information on eligibility criteria, feel free to check out our website at http://www.scfederal.org/why-us/membership-benefits . Once you've confirmed your eligibility, opening an account with us is straightforward and hassle-free. We're here to support you every step of the way. If you have any questions or need assistance during the process, don't hesitate to reach out to us at (843) 797-8300. We can't wait to welcome you into our community at 1900 Mcmillan Ave North Charleston Sc 29405!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine being able to accept payments from customers easily, whether they're shopping in-store or online. Our merchant services provide the tools you need to streamline transactions, helping you focus on what matters most growing your business. From secure payment processing to invoicing solutions, we make managing finances hassle-free so you can concentrate on delivering exceptional products and services. Located conveniently at 1900 Mcmillan Ave North Charleston Sc 29405 in North Charleston, SC, we invite you to explore how our Business Banking & Commercial Services can fuel your ambitions. Reach out to us at (843) 797-8300 or visit our website for more information!

Tailored 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.

Comprehensive List Of Services

A Commitment to Convenience

Located at 1900 Mcmillan Ave North Charleston Sc 29405, we invite you to visit us during our operating hours from Monday to Friday, 9:00 AM to 5:30 PM. We strive to make your banking experience straightforward and accessible. Our goal is not just about providing services; it's about building lasting relationships with our members. Ready to take the next step in managing your finances? Explore all that South Carolina has to offer today! Visit us online at https://www.scfederal.org/ or call us at (843) 797-8300 for more information on how we can assist you in achieving your financial goals.

Accessing Your Accounts Anytime, Anywhere

We understand that life can get hectic, which is why we've made it easy for you to manage your finances from anywhere. With our Basic ATM Access, you can quickly check your balance or withdraw cash at any time that suits you. Our digital banking features are designed with ease of use in mind, ensuring that your banking experience is as smooth as possible.

Everyday Banking Made Easy

For those who prefer the convenience of accessing their finances on the go, our ATM Services Only allow you to perform essential transactions like withdrawals and balance checks without hassle. With our Basic Drive-Thru Banking, you can easily make deposits, withdrawals, or complete simple transactions without leaving your car. This service is perfect for busy individuals or families juggling multiple commitments.

Support When You Need It

If you have questions or need assistance, our team at South Carolina is here to help. You can reach us at (843) 797-8300 during business hours. We want to ensure that all your banking needs are met efficiently and effectively.

Digital & Online Banking

Convenient Online Access

With our online banking platform available at https://www.scfederal.org/ , you can check your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Whether you're using a computer or a smartphone, our user-friendly interface makes it simple to navigate through your transactions and account information.

Mobile Banking Made Easy

Our mobile application lets you manage your money right from your pocket. With mobile payments enabled, paying for goods and services has never been easier. Just tap and go! Additionally, person-to-person transfers make it straightforward to send money to friends or family without any hassle.

Real-Time Management

You'll appreciate the accessibility of our 24/7 online banking services. Whether it's early morning or late at night, you can access real-time information about your accounts. This means no more waiting in line or worrying about missing important transactions everything is just a click away! At South Carolina, we strive to provide not only convenience but also peace of mind through secure and innovative banking solutions. Experience hassle-free banking today!

Security You Can Trust

Your security is our top priority. We offer electronic signature authorization, so you can sign documents safely without needing to visit a branch. Plus, with features like e-statements, you can keep track of your financial history without worrying about paper statements being lost or stolen.

Financial Strength

Growing Together

With net shares amounting to $8,012,968, we have funds available for lending and investments that can further benefit you as a member. Our strong membership base is showcased by the total share accounts reaching 312,661, reflecting the trust our community has placed in us. 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 1900 Mcmillan Ave North Charleston Sc 29405 or call (843) 797-8300 to learn more about how we can help you achieve your financial goals.

Investing in Our Future

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

Member-Centric Approach

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 operations reflect our commitment to efficiency. Our $0 indicates that we're managing our resources wisely, which 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.

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. We also provide refinancing options to make your payments even more manageable.

Business Financing

For business owners, our outstanding commercial loans totaling $69,636,247 provide the capital needed to grow and expand. We believe in supporting local businesses and helping them thrive. Our branch is located at 1900 Mcmillan Ave North Charleston Sc 29405 in North Charleston, SC, and our friendly team is ready to assist you with any questions you may have. You can reach us 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. We invite you to explore your options with us and see how we can help you achieve your financial dreams!

Credit Card Loans

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 tackle unexpected expenses without the stress.

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're here to guide you through every step of the process.

Loan Aggregator

How LendMesh Ensures 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 ensures that users receive fair and transparent offers. Each lender listed has been thoroughly vetted, giving you confidence in the integrity of the information presented.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in your options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results so you can compare fairly. - Real-Time Rate Comparisons: Access up-to-date loan rates from multiple institutions, enabling you to make informed choices quickly. 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 highlights the effectiveness and reliability of the service. 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