Spartanburg SC Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to South Carolina, your trusted financial partner in the heart of Spartanburg, SC! Located at 1000 Asheville Hwy, our branch has been serving the community since 1936 and proudly boasts a membership of over 173,960 individuals. As part of our commitment to you, we have built a solid foundation with total assets exceeding $2,519,426,018 and total deposits of $161,963,638. At South Carolina, we understand that every member's financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business banking options. Our goal is to empower you to achieve your financial dreams while ensuring you feel supported every step of the way. Under the leadership of our dedicated CEO, Scott Woods, and Board President, James Mace, we strive to foster a community-focused environment that values trust and transparency. With a strong net worth of $312,628,701 and ample cash reserves totaling $60,972,713, we are well-equipped to help you with all your financial needs. While members can visit us at 1000 Asheville Hwy Spartanburg Sc 29303, official correspondence should be sent to our mailing address: PO Box 2827, Spartanburg, SC 29304. If you're looking for personalized service from a team that cares about your financial success, call us today at (864) 503-9998 or explore our offerings on our website: https://www.scfederal.org/. We look forward to helping you navigate your financial future!

Branch History & Mission

Our Journey

Since our inception, South Carolina has been dedicated to serving the needs of our community. We started with a vision to provide accessible financial services while fostering a sense of belonging among our members. Over the years, we have achieved significant milestones, including growing our total assets to an impressive $}. This growth reflects not only our commitment to sound financial practices but also the trust and loyalty of our members. As we evolved, so did our services. We've expanded beyond traditional banking by offering personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Today, we also embrace technology with online and mobile banking solutions that make managing finances easier than ever.

Our Mission

At South Carolina, our mission is simple yet powerful: to empower our members through exceptional financial services while making a positive impact on our community. We believe that everyone deserves access to quality financial resources and support. That's why we prioritize initiatives that promote financial literacy and community engagement. Our commitment extends beyond banking; we actively participate in local outreach programs and partnerships that uplift those around us. Whether it's sponsoring local events or providing resources for education and growth, we aim to enrich the lives of our members and neighbors alike.

Visit Us

While members can visit us at 1000 Asheville Hwy in Spartanburg, official correspondence should be sent to PO Box 2827, Spartanburg, SC 29304. Our branch is open Monday through Friday from 9:00 AM to 5:30 PM, ensuring that you can access our services when it's convenient for you. Plus, with ATM availability and drive-thru banking options, managing your finances is easier than ever! If you're looking for a credit union that puts its members first and values community connection, look no further than South Carolina. Join us today and experience the benefits of being part of a cooperative that cares about your financial well-being. For more information or to become a member, call us at (864) 503-9998 or visit our website. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to South Carolina, your friendly neighborhood credit union located at 1000 Asheville Hwy Spartanburg Sc 29303 in beautiful Spartanburg, SC. We understand how important convenience is for our members, and our branch is designed to make your banking experience as smooth as possible. Just a short drive from local landmarks like the vibrant downtown area, you'll find us ready to assist you with all your financial needs. While members can visit us at 1000 Asheville Hwy Spartanburg Sc 29303, official correspondence should be sent to PO Box 2827, Spartanburg, SC 29304. Our branch is easily accessible with ample parking available, including ADA-compliant features to ensure everyone can visit us comfortably. If you prefer not to come inside, we offer convenient drive-thru banking services for quick transactions on the go. At South Carolina, we pride ourselves on providing a range of services tailored for you. Whether you're looking to open a checking or savings account, apply for an auto loan, or explore mortgage options, our team is here to help. Plus, with ATM availability right on-site, accessing your funds has never been easier. We know that time matters. That's why our lobby hours are designed with your schedule in mind, open Monday through Friday from 9:00 AM to 5:30 PM. Feel free to give us a call at (864) 503-9998 if you have any questions or need assistance before your visit. Come see how we can support you in achieving your financial goals! We look forward to welcoming you at South Carolina!

Member Eligibility

At South Carolina, we believe that becoming a member is like joining a close-knit family where everyone looks out for one another. If you're interested in joining us, you'll find that eligibility is quite simple and welcoming! Generally, you can become a member if you live, work, worship, or attend school in the Spartanburg area. We want to serve our community, so if you fit into any of those categories, you're likely eligible to join our growing family of members. You can learn more about the specific details by visiting our website at http://www.scfederal.org/why-us/membership-benefits. Once you're ready to take the next step, opening an account with us is straightforward. Just head over to our online portal through this link: https://online.scfederal.org/auth/enrollment?_gl=1*1h067ag*_gcl_au*mzy5nzc2mti2lje3mzq0ndmyotm.. If you have any questions or need assistance, don't hesitate to reach out to us at (864) 503-9998. We're here to help make your membership experience as smooth and enjoyable as possible. Welcome aboard!

Business Banking & Commercial Services

At South Carolina, we understand that every business has its unique journey. Whether you're a startup looking to make your mark or an established company aiming for expansion, our business banking and commercial services are designed to support your goals. Imagine a local café wanting to upgrade its equipment. With our flexible financing options, they secured a member commercial loan of over $235, enabling them to enhance their services and grow their customer base. We also believe in supporting the broader community; that's why we offer $2 in non-member commercial loans, allowing businesses outside our membership to access vital funds. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - With an outstanding commercial loan portfolio of $69,636,247, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, we provide merchant services that streamline payment processing for local retailers. This means quicker transactions and happier customers, allowing you to focus on what you do best running your business. Visit us at 1000 Asheville Hwy Spartanburg Sc 29303 in Spartanburg, SC, or give us a call at (864) 503-9998. Let's work together to turn your business dreams into reality!

Comprehensive List Of Services

Accessibility and Convenience

At South Carolina, we believe banking should be as convenient as possible. Our facilities include an ATM for quick cash withdrawals and basic transactions like balance checks. For those who prefer face-to-face interactions, our Basic Drive-Thru Banking allows for easy deposits and withdrawals without leaving your vehicle.

Business Banking

If you're a business owner, our Business Banking services are crafted with you in mind. From Merchant Services to secure payment processing and Business Loans, we understand what it takes to run a successful enterprise. Let us support you in reaching your business goals so you can focus on what matters most: growing your company.

Get Started Today!

With all these services available at South Carolina, we invite you to take advantage of what we offer. Have questions? Don't hesitate to reach out at (864) 503-9998 during our operating hours from 9:00 AM to 5:30 PM, Monday through Friday. Ready to join? Visit us online at https://www.scfederal.org/ to learn more about membership benefits or start opening an account today! We're excited to help you achieve all your financial goals!

Loans and Financing

When it comes to financing, South Carolina has various options tailored just for you. Need a new vehicle? Our Auto Loans & Vehicle Financing are here to help. Picture driving off in your dream car with terms that fit comfortably within your budget. If homeownership is on your mind, consider our Mortgage Loans & Refinancing services to turn that dream into reality or save money on your current mortgage. For those looking to consolidate debt or tackle unexpected expenses, our Personal Loans offer straightforward solutions without the complexity. Plus, our Credit Cards with Rewards make every purchase rewarding whether it's for groceries or travel.

Personal Banking

We offer Personal Banking solutions that include checking and savings accounts designed to help you manage your money effortlessly. Imagine easily accessing your funds while enjoying the peace of mind that comes from knowing your savings are growing. With our online and mobile banking options, you can check your balance, transfer funds, or deposit checks from anywhere all from the convenience of your smartphone or computer.

Digital & Online Banking

Accessibility and Support

Our commitment to accessibility means that whether you're tech-savvy or just getting started with digital banking, you'll find our services easy to use. With real-time account management, you can track your spending, plan for upcoming expenses, and manage your savings all from one convenient platform. For any questions or assistance along the way, our dedicated customer support team is ready to help. Reach out via phone at (864) 503-9998, and we'll make sure you have the guidance you need. Experience the convenience of digital banking at South Carolina today!

Key Features

With our online banking, you can check balances, pay bills, and transfer funds with just a few clicks. Need to send money to a friend? Our person-to-person transfers make it simple to send cash quickly and securely. Plus, if you're always on the move, our mobile application keeps all these features right in your pocket. You can even make mobile payments for convenience during shopping trips or everyday purchases. Security is paramount at South Carolina. We utilize electronic signature authorization to keep your transactions safe and sound. You can also sign up for e-statements, allowing you to view your financial statements online without the clutter of paper. It's an eco-friendly option that also makes it easier for you to stay organized.

Financial Strength

Growing Member Trust

Net Shares (Funds available for lending and investments): $8,012,968 reflect our ongoing support for your needs. Total Share Accounts stand at 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 1000 Asheville Hwy Spartanburg Sc 29303 or call (864) 503-9998 to learn more about how we can help you achieve your financial goals.

Member-Focused 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 commitment to efficiency is evident as reflected by 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.

Reinvestment for Growth

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 capacity to lend is significant; we have $23,587 in used auto loans and $1,932,930,657 in total loans and leases, supporting your financial goals across various sectors.

Strong Financial Foundations

With a net worth of $312,628,701, we maintain robust 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

Additional Offerings

For business owners, our outstanding commercial loans totaling $69,636,247 provide the capital needed to grow and expand. We recognize that supporting local businesses is vital for community growth, and we're committed to providing the financial support necessary for success. If you're considering refinancing any of your existing loans or want to explore eligibility options for our products, please don't hesitate to reach out. Our team is here to assist you with any questions you may have and guide you toward making informed decisions about your financial future. Feel free to contact us at (864) 503-9998 during our operating hours from M-F 9:00 AM to 5:30 PM. We are dedicated to helping you find the best solutions tailored specifically for your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 interested in a brand-new model or a reliable used vehicle, our team can guide you through the financing process and provide you with competitive rates tailored to 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 know that securing a mortgage can be daunting, so our experienced staff is here to help you navigate through every step of the process, ensuring you find the right loan for your situation.

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 benefits that make day-to-day spending easier and more rewarding.

Loan Aggregator

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South Carolina