Summerville SC Credit Union | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to South Carolina, your trusted partner in financial wellness since 1936. Located at 9999 Dorchester Rd, Summerville, SC 29485, we are proud to serve our growing community of 173,960 members with dedication and care. Our commitment goes beyond just numbers; we strive to create meaningful relationships that help you achieve your financial goals. With assets totaling over $2.5 billion, we provide a wide range of services tailored to meet your needs from personal banking and auto loans to mortgage options and business financing. In fact, our total deposits stand at an impressive $161,963,638, reflecting the trust our members place in us. Our robust loan portfolio includes 95,937 loans and leases, ensuring that we can support you whether you're looking to buy a new car or expand your business. At South Carolina, we believe in giving back to our community. Under the leadership of CEO Scott Woods and Board President James Mace, our team of 590 employees is dedicated to offering exceptional service while fostering a strong sense of community involvement. While members can visit us at our Summerville branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 190012, North Charleston, SC 29419-9012. We invite you to explore what sets us apart visit our website at scfederal.org or give us a call at 843-797-8300 during our operating hours from Monday to Friday, 9:00 AM to 5:30 PM. Let us help you take the next step toward achieving your financial dreams!

Branch History & Mission

Community Engagement and Innovations

Over the years, South Carolina has embraced digital advancements while ensuring ADA compliance, making banking easier for everyone. Our online and mobile banking platforms allow members to manage their finances conveniently from anywhere. With features like electronic signatures and person-to-person payments, we prioritize customer-centric initiatives that meet the evolving needs of our members. We also provide essential services such as ATM access and basic drive-thru banking for deposits, withdrawals, and simple transactions. Our operating hours are Monday through Friday from 9:00 AM to 5:30 PM, ensuring you have ample time to visit us during your day.

Join Us Today!

At South Carolina, we are more than just a credit union; we are a part of your community. Whether you're looking for reliable financial advice or seeking ways to get involved in community initiatives, we invite you to join us on this journey. Experience the benefits of being a member today! For more information or to become a member, call us at (843) 797-8300 or visit our website at https://www.scfederal.org/ . Together, let's build a brighter future for everyone in Summerville!

Our Mission

Our mission at South Carolina is simple yet profound: to enhance the financial well-being of our members and support the communities we serve. We believe that everyone deserves access to quality financial services, which is why we offer a range of products, including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our commitment extends beyond just banking; we actively engage in community outreach programs and partnerships that foster growth and opportunity within our neighborhoods.

Branch Location & Accessibility

Accessibility Features

We take pride in ensuring that our branch is accessible for everyone. With ADA-compliant features and convenient parking options, visiting us is hassle-free. If you prefer not to enter the building, our drive-thru banking service is available for quick deposits and withdrawals.

Additional Services

At South Carolina, we offer ATM access so you can withdraw cash or check your balance at any time. Our drive-thru service allows for quick transactions without the need to park. Plus, with online and mobile banking options available, managing your finances has never been easier! Feel free to give us a call at (843) 797-8300 if you have any questions or need assistance before your visit. We look forward to welcoming you soon!

Operating Hours

We're here for you Monday through Friday from 9:00 AM to 5:30 PM, ready to assist with a range of services including personal and business banking, auto loans, mortgages, and more. Our friendly staff is dedicated to providing personalized service during your visit.

Member Eligibility

Becoming a member of South Carolina is like joining a family where your financial well-being is the top priority. If you live, work, or worship in the area, you're likely already eligible to join us! We welcome individuals from all walks of life and are committed to providing you with exceptional service and support. At South Carolina, we believe that everyone deserves access to quality financial products and services that can help them thrive. To explore the specifics of who can join, feel free to check out our detailed eligibility criteria at http://www.scfederal.org/why-us/membership-benefits . Once you're ready to take the next step, opening an account is a breeze! Simply visit our account opening page at https://online.scfederal.org/auth/enrollment?_gl=1*1h067ag*_gcl_au*mzy5nzc2mti2lje3mzq0ndmyotm . or give us a call at (843) 797-8300 for any questions. We're excited to help you start your journey with us at South Carolina, located conveniently at 9999 Dorchester Rd Summerville Sc 29485!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable partner to help you accept payments effortlessly. Our merchant services streamline transactions, allowing you to focus on what you do best running your business. From point-of-sale systems to online payment processing, we provide tools that simplify your operations and enhance customer experiences. Located at 9999 Dorchester Rd Summerville Sc 29485 in Summerville, SC, we're here to help you grow. Reach out to us today at (843) 797-8300 to learn more about how our business banking solutions can work for you!

Tailored Financing Solutions

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

Business Banking

For our business members, we offer comprehensive business banking services including merchant services and business loans. Whether you're just starting out or looking to expand, we provide the tools and support necessary for your success.

Convenient Access

Accessing your accounts has never been easier. With ATM and cash withdrawal services available 24/7, as well as basic drive-thru banking for deposits and withdrawals during lobby hours (M-F from 9:00 AM to 5:30 PM), managing your money is simple. Our mobile payment options allow you to handle transactions right from your smartphone. In summary, whether you're an individual looking for personal banking solutions or a business owner needing reliable financial support, South Carolina has you covered with a full suite of services designed for convenience and accessibility. Feel free to reach out to us at (843) 797-8300 or visit us online at Oakbrook for more information about how we can assist you in achieving your financial goals. Join us today and discover the difference at South Carolina!

Credit Cards and Rewards

We believe in rewarding our members for their loyalty. That's why we offer credit cards with rewards tailored to fit your spending habits. Enjoy benefits like cashback or points redeemable for travel, merchandise, or gift cards.

Personal Banking

Our personal banking services include checking and savings accounts designed with your lifestyle in mind. You can easily manage your funds through our online and mobile banking platforms, allowing you to check balances, transfer money, and pay bills from anywhere. For those considering purchasing a vehicle, we offer competitive auto loans and vehicle financing options that make it easier than ever to get behind the wheel. If homeownership is on your horizon, our mortgage loans and refinancing options can help make that dream a reality. We understand that life can bring unexpected challenges; that's why we also provide personal loans for debt consolidation or other needs to help you regain control over your finances.

Digital & Online Banking

Go Mobile

Our mobile application is perfect for those who prefer banking on the go. With features like mobile payments and person-to-person transfers, sending money to friends or family is just a few taps away. Whether you're grabbing coffee or doing groceries, enjoy the ease of managing your finances directly from your smartphone. In addition, our robust security measures ensure that every transaction is protected so you can bank with peace of mind. From real-time alerts to secure logins, we prioritize the safety of your information. Experience financial freedom and flexibility today with South Carolina's digital and online banking services! Visit us at https://www.scfederal.org/ to learn more about how we can help simplify your banking experience.

Key Features for You

With our online banking service, you can manage your accounts effortlessly. Need to check your balance? Transfer money? Pay bills? You can do all this and more right from your computer or mobile device. Plus, our user-friendly interface ensures that you can navigate through your financial options without any hassle. For added convenience, we offer an electronic signature authorization feature, allowing you to sign documents digitally. This means no more printing and mailing forms just quick and secure transactions that save you time.

Stay Updated with E-Statements

Keeping track of your finances is simpler with e-statements available at South Carolina. You'll receive monthly statements directly to your inbox instead of waiting for them in the mail. This not only helps the environment but also makes it easy to access past statements anytime you need them.

Financial Strength

Commitment to Growth and Innovation

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 commitment to lending is evident with $23,587 in used auto loans and $1,932,930,657 in total loans and leases, supporting our members' financial goals across various sectors.

Member-Centric Savings Options

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 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 Foundation

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 Community Trust

Total Share and Deposit Accounts: 312,661, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $8,012,968 further reinforces our ability to meet your needs effectively. 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 9999 Dorchester Rd Summerville Sc 29485 or call (843) 797-8300 to learn more about how we can help you achieve your financial goals.

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 flexible terms and competitive rates that make financing your next vehicle straightforward and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $69,636,247 provide the capital needed to grow and expand. Whether you're starting a new venture or need funds for existing operations, we're here to support your business journey with tailored solutions. If you're considering refinancing or want to learn more about eligibility options for any of our loan products, don't hesitate to reach out. You can contact us at (843) 797-8300 or visit us at our branch located at 9999 Dorchester Rd Summerville Sc 29485 in Summerville, 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. Your financial well-being is our priority at South Carolina, where we aim to empower you with the right tools for success.

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 buyer or looking to refinance an existing mortgage, our team is ready to assist you through every step of the process.

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. Our credit cards come with rewards and no hidden fees, making them an excellent option for both everyday purchases and larger expenses.

Loan Aggregator

Benefits of Using LendMesh

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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 guarantees that users receive fair and transparent offers. Each listing is carefully vetted to ensure that it comes from a legitimate financial institution.

SOUTH CAROLINA FEDERAL CREDIT UNION