North Charleston SC Credit Union | Top Checking & Quick Auto Loans

Introduction

Welcome to South Carolina, your trusted financial partner located at 6265 Rivers Ave, North Charleston, SC 29406. Established in 1936, our credit union has been dedicated to serving the community with a commitment to member satisfaction and financial well-being. With a robust membership of 173,960 individuals, we have grown into a reliable institution, boasting total assets of $2,519,426,018 and total deposits reaching $161,963,638. At South Carolina, we understand that every member's journey is unique. Whether you're looking for personal banking solutions like checking and savings accounts or exploring options for auto loans and mortgages, our team is here to help you navigate your financial needs. We also proudly offer business banking services, ensuring that local entrepreneurs have the support they need to thrive. Our leadership team is dedicated to fostering an environment of trust and community. Under the guidance of CEO Scott Woods and Board President James Mace, we strive to create lasting relationships with our members while ensuring sound financial practices. With a net worth of $312,628,701 and cash in hand totaling $60,972,713, we are well-equipped to meet your needs today and in the future. While members can visit us at our branch location on Rivers Ave for all their banking needs including access to ATMs and drive-thru services official correspondence should be sent to our mailing address: PO Box 190012, North Charleston, SC 29419-9012. Join us at South Carolina Credit Union where your financial goals become our priority. For more information or assistance, feel free to call us at 843-797-8300 or explore our website at scfederal.org. We look forward to welcoming you!

Branch History & Mission

A Commitment to Service

With modern advancements in technology, we ensure that banking is both convenient and secure. Members can take advantage of online banking, mobile payments, and electronic signatures for an easy experience tailored to today's fast-paced world. Additionally, we provide ADA-compliant facilities so everyone feels welcome at our branch. For those who prefer face-to-face interactions, we offer drive-thru banking for quick transactions and ATM access for cash withdrawals anytime you need it. Our operating hours from Monday through Friday from 9:00 am to 5:30 pm cater to your busy schedule.

Join Us Today!

As we continue this journey together, we invite you to become part of the South Carolina family. Explore the benefits of membership by visiting us at 6265 Rivers Ave North Charleston Sc 29406 or calling us at (843) 797-8300. Together, let's work towards your financial goals while supporting one another in making our community a better place for all! For more information about joining us or accessing our services, please visit our website today!

Our Mission

At the core of South Carolina is our mission: to empower our members with accessible financial solutions that enhance their lives and strengthen our community. We believe that everyone deserves the chance to succeed financially, which is why we offer a range of services including checking and savings accounts, auto loans, mortgage refinancing, and more. Our commitment goes beyond just numbers; it extends to supporting local initiatives that uplift those around us. From financial literacy programs to community events, we strive to make a positive impact on the lives of our members.

Branch Location & Accessibility

Welcome to South Carolina located at 6265 Rivers Ave North Charleston Sc 29406 in beautiful North Charleston, SC! Our branch is conveniently situated near local landmarks, making it easy for you to stop by and take care of your banking needs. Whether you're headed to the nearby shopping centers or enjoying a day out in the community, we're here to serve you. At South Carolina, we understand that accessibility is important. Our location features ADA-compliant entrances and ramps, ensuring that everyone can visit us comfortably. Plus, there's ample parking available for both our members and visitors. We offer flexible hours to accommodate your busy schedule. Our lobby is open Monday through Friday from 9:00 AM to 5:30 PM, so you can easily find a time that works for you. If you're in need of quick services, take advantage of our drive-thru banking option for deposits, withdrawals, and simple transactions without leaving your car. For those on the go, we also provide ATM services right at our branch! You can access your funds anytime with ease. If you ever need assistance or have questions about your accounts or services, don't hesitate to give us a call at (843) 797-8300. While members can visit us at 6265 Rivers Ave North Charleston Sc 29406, official correspondence should be sent to our mailing address at PO Box 190012, North Charleston, SC 29419-9012 if it's different. We invite you to come by and discover how South Carolina can support your financial journey. Whether you're looking for personal banking options like checking accounts or loans, or business banking solutions, we're here to help every step of the way. We look forward to welcoming you soon!

Member Eligibility

At South Carolina, we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you're wondering whether you can join us, the good news is that eligibility is quite accessible! Typically, anyone who lives, works, worships, or attends school in the North Charleston area can become a member. We also welcome immediate family members of current members, making it easy for you to share the benefits with those you love. For more detailed eligibility information, feel free to check out our website at http://www.scfederal.org/why-us/membership-benefits . Opening an account with us is straightforward and welcoming. You can start your journey toward membership by visiting our online account opening page at https://online.scfederal.org/auth/enrollment?_gl=1*1h067ag*_gcl_au*mzy5nzc2mti2lje3mzq0ndmyotm. . If you have any questions or need assistance, don't hesitate to give us a call at (843) 797-8300. We're here to help! Join us at our branch located at 6265 Rivers Ave North Charleston Sc 29406, and let's build a brighter financial future together.

Business Banking & Commercial Services

Merchant Services That Matter

When it comes to managing your day-to-day operations, our merchant services provide practical solutions. Imagine being able to accept payments seamlessly from customers, whether they prefer credit cards or mobile wallets. With our services, businesses can enhance their cash flow and offer their customers more options, making transactions smoother and faster. Join us at South Carolina, located at 6265 Rivers Ave North Charleston Sc 29406 in North Charleston, SC, and discover how we can help your business flourish. For more information or to speak with a representative, call us at (843) 797-8300. Your business deserves a partner that understands your needs!

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

Accessibility

At South Carolina, we value your time. Our lobby hours are designed with your busy schedule in mind; we're open Monday through Friday from 9:00 am to 5:30 pm. Our friendly staff is always ready to assist with any questions or transactions you may need. If you'd like to learn more about how South Carolina can serve you better or if you're ready to take the next step in achieving your financial goals, don't hesitate to reach out! Call us at (843) 797-8300 or visit us online at Rivers Ave #2. We look forward to helping you navigate all of life's financial journeys!

Business Banking Solutions

For our business members, we provide comprehensive banking solutions including merchant services and business loans. Whether you're just starting out or looking to expand, our team is here to assist you in achieving your business goals.

Credit Card Options

We understand the importance of having a reliable credit card. That's why we offer credit cards with rewards that allow you to earn points on your purchases, providing even more value as you shop.

Digital Banking Features

Embracing modern technology, we ensure that banking is easy and accessible from anywhere. With online and mobile banking features, managing your finances has never been more convenient. You can check balances, transfer funds, and pay bills right from your smartphone or computer. Additionally, our ATM services offer cash withdrawal capabilities around the clock. If you're on-the-go, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Personal Banking Services

Our personal banking services include checking and savings accounts that cater to everyday needs. Imagine having a checking account that not only helps you manage your expenses but also earns you interest. With our savings accounts, you can watch your money grow while keeping it accessible for when life's unexpected moments arise. For those in need of financing, we offer auto loans and vehicle financing solutions that make purchasing your dream car easier than ever. Our mortgage loans and refinancing options provide the flexibility and support needed for buying a home or managing existing mortgages. And if you're looking to consolidate debt or cover unexpected expenses, our personal loans are here to help lighten the load.

Digital & Online Banking

Experience Effortless Banking

From setting up automatic bill payments to checking account balances while waiting in line, our online and mobile banking services are designed to fit seamlessly into your daily routine. You have real-time access to manage your accounts whenever and wherever you need it. Join us at South Carolina and experience how digital banking can enhance your financial journey today!

Mobile Banking Made Easy

For those on the go, our mobile application brings all these features directly to your smartphone. With mobile payments enabled, you can make purchases securely without reaching for your wallet. Imagine having all your banking needs in one app it's truly convenient!

Secure and Simple Transactions

Safety is our top priority. You can confidently use our electronic signature authorization feature for secure transactions without needing to visit a branch. Want to send money to friends or family? Our person-to-person transfer service makes it quick and easy no need for cash or checks.

Your Banking, Anytime, Anywhere

With our online banking platform available at https://www.scfederal.org/ , you can manage your finances 24/7. Whether you're checking balances, paying bills, or transferring funds, everything is just a click away. Our user-friendly interface ensures that you can navigate through your accounts with ease. Plus, with the ability to access e-statements, you can keep track of your financial activity without the hassle of paper statements.

Financial Strength

Commitment to Growth

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. 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. Additionally, our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Savings

Your savings are secure with us! We have $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.

Our 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.

Strong Member Base

With 312,661 total share accounts, we have built a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $8,012,968, demonstrating our commitment to providing accessible financing options for all members. 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 6265 Rivers Ave North Charleston Sc 29406 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 provide competitive rates and flexible terms that make it easier for you to drive away in the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans totaling $69,636,247 provide the capital needed to grow and expand. We are committed to supporting local businesses with tailored financing solutions that fit their unique needs. At South Carolina, we believe in making borrowing straightforward and accessible. If you're considering refinancing or exploring eligibility options, our team is here to assist you every step of the way. For more information on how we can help you secure the financing you need, feel free to reach out at (843) 797-8300 or visit us at our location: 6265 Rivers Ave North Charleston Sc 29406 in North Charleston, 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. Let us partner with you on your financial journey!

Credit Lines and Personal Loans

For those needing quick access to funds, we also provide credit lines that total $765,007,137. This is an excellent option for managing unexpected expenses or consolidating debt. Additionally, our unsecured credit card loans amounting to $53,439,616 help members manage their finances effectively while enjoying the flexibility of credit.

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 personalized service to help you navigate the mortgage process and find a solution that fits your budget.

Loan Aggregator

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SOUTH CAROLINA FEDERAL CREDIT UNION