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

Introduction

Welcome to Cane Bay, your trusted partner in financial wellness since 1936. Located at 1736 State Rd, Summerville, SC 29486, we pride ourselves on being a pillar of support in our community with over 173,960 members who rely on us for their financial needs. At Cane Bay, we understand that every member's journey is unique, and we're here to help you navigate yours with personalized services designed just for you. With total assets exceeding $2.5 billion, our credit union is well-equipped to provide a variety of financial solutions, including auto loans, mortgages, personal loans, and business banking options. Our commitment to you is reflected in our robust portfolio of 95,937 loans and leases amounting to over $1.6 billion in deposits. We also maintain a strong net worth of $312 million, ensuring that your money is safe and secure with us. Led by our dedicated CEO, Scott Woods, and Board President, James Mace, the team at Cane Bay is passionate about making a positive impact in the lives of our members. We are not just about numbers; we focus on building relationships and fostering community trust. While members can visit us at our branch location for all your banking needs, official correspondence should be sent to the same address: 1736 State Road, Summerville, SC 29486. Whether you're looking to open an account or explore loan options, we're here to help! Don't hesitate to call us at 843-797-8300 during our operating hours from Monday to Friday, 9:00 AM to 5:30 PM. Visit our website at SC Federal Credit Union today and discover how we can assist you in achieving your financial goals!

Branch History & Mission

Commitment to Innovation

We understand the importance of staying current in today's fast-paced world. That's why we continually invest in digital advancements, ensuring our services are accessible from anywhere. With features like online banking, mobile payments, and e-statements, managing your finances has never been easier or more secure.

Join Us

As we look toward the future, we invite you to become part of the South Carolina family. Experience firsthand how our commitment to personalized service and community support can make a difference in your financial journey. Whether you're looking for personal banking solutions, auto loans, or business services, we are here for you. Come visit us during our operating hours from Monday to Friday, 9:00 AM to 5:30 PM, or reach out at (843) 797-8300. Let's work together towards building a brighter financial future for all in Summerville!

Our Evolution

From humble beginnings, we have evolved significantly over the years. Today, with a membership base of over 173,960, we are more than just a credit union; we are a vital part of the Summerville community. Our total assets have grown to an impressive $2,519,426,018, allowing us to offer a wide array of services tailored to support our members' financial well-being. You can find us at our convenient location: 1736 State Rd Summerville Sc 29486, right by notable landmarks that make it easy for you to stop by. If you need to send official correspondence, please use our mailing address at 1736 State Road, Summerville, SC 29486.

Our Mission

At South Carolina, our mission goes beyond providing financial products; we strive to foster community growth and support local initiatives. We are dedicated to enhancing the quality of life in Summerville through various outreach programs and partnerships that uplift those around us. Whether it's through financial education workshops or community events, we believe in making a positive impact where it matters most.

Branch Location & Accessibility

Welcome to South Carolina located at 1736 State Rd Summerville Sc 29486 in the heart of beautiful Summerville, SC! Our branch is designed with your convenience in mind, making it easy for you to access a wide range of financial services. Whether you're stopping by for a quick transaction or need assistance with your banking needs, our friendly staff is here to help. Situated near popular landmarks and easily accessible from major roads, you'll find that reaching us is a breeze. Plus, we offer ample parking and ensure that our facilities are ADA compliant for all members. If you prefer drive-thru banking, you'll be pleased to know we have that option available too! For those who need to visit us during the week, our lobby hours are Monday through Friday from 9:00 AM to 5:30 PM, providing plenty of time for you to come in at your convenience. And if you're on the go, our ATM is available for quick cash withdrawals and balance checks, ensuring you have access to your funds whenever you need them. While members can visit us at 1736 State Rd Summerville Sc 29486, official correspondence should be sent to 1736 State Road, Summerville, SC 29486 if it differs from our branch location. You can reach out to us anytime at (843) 797-8300 if you have questions or need assistance. We're excited to serve the community of Dorchester County and look forward to welcoming you into our branch soon! Come visit us today and experience all that South Carolina has to offer.

Member Eligibility

At South Carolina, we believe that everyone deserves a chance to be part of a community that cares about their financial well-being. Becoming a member is easy and welcoming! If you live, work, or worship in the areas we serve, you're likely eligible to join us. We invite individuals from various backgrounds to take part in our cooperative, where you can enjoy personalized banking services designed with your needs in mind. For more specific details on eligibility criteria, you can check out our resource at http://www.scfederal.org/why-us/membership-benefits. Once you're ready to join, opening an account is a breeze! Simply visit us at our branch located at 1736 State Rd Summerville Sc 29486, or give us a call at (843) 797-8300 for assistance. Our friendly team is here to help guide you through the process and answer any questions you may have. Together, let's build a brighter financial future!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services designed to streamline your payment processes. Picture this: a customer walks into your store and makes a purchase using their mobile device. With our merchant services, you can accept payments easily and securely, allowing you to focus on what matters most growing your business. For more information about how we can assist your business at 1736 State Rd Summerville Sc 29486, Summerville, SC, give us a call at (843) 797-8300. Together, let's build a brighter future for your business!

Supporting Business Growth

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

ATM & Cash Withdrawal Services

With ATMs available at our branch and across various locations, accessing cash has never been easier. You can perform basic transactions like withdrawals and balance checks without hassle.

Auto Loans and Vehicle Financing

Need a new car? Our Auto Loans & Vehicle Financing options can help you get behind the wheel without breaking the bank. Picture yourself driving off in your dream car, knowing that you've secured a competitive rate with manageable payments.

Business Banking

For entrepreneurs, our Business Banking services include merchant services and business loans to support your growth. With tailored solutions, we aim to empower local businesses in achieving their goals.

Credit Cards with Rewards

Our Credit Cards with Rewards allow you to earn points on everyday purchases, giving you the chance to enjoy perks like travel rewards or cash back. Imagine using your credit card not just for transactions but as a way to earn something back!

Drive-Thru Banking

For those quick errands, our Basic Drive-Thru Banking service allows you to handle deposits, withdrawals, and simple transactions right from your vehicle. It's perfect for busy days when you need efficiency without sacrificing service quality. --- At South Carolina, we strive to create a welcoming environment where every member feels valued and supported. For more information about any of these services or to get started with us today, don't hesitate to reach out! Call us at (843) 797-8300 or visit our website at https://www.scfederal.org/. Join us in making financial dreams a reality!

Mortgage Loans and Refinancing

If you're considering buying a home or refinancing your current mortgage, we provide Mortgage Loans & Refinancing solutions. We'll guide you through the process, helping you find the best fit for your financial situation so that owning your dream home becomes a reality.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer Online & Mobile Banking, enabling you to manage your accounts from anywhere at any time. Need to check your balance or transfer money? Just open our app or log into our website!

Personal Banking

We understand that managing your personal finances is important. That's why we offer Personal Banking services that include checking and savings accounts designed to help you grow your savings while keeping your funds easily accessible. Imagine having an account that fits your lifestyle whether you're saving for a vacation or just want a safe place for your daily expenses.

Personal Loans and Debt Consolidation

For those unexpected expenses or to consolidate debt, our Personal Loans & Debt Consolidation services can provide relief and flexibility. This means you can tackle high-interest debts more efficiently while managing your budget effectively.

Digital & Online Banking

Enhanced Security and Accessibility

Your security is our priority. With features like electronic signature authorization, we ensure that your transactions are protected from start to finish. Plus, if you need to send money to friends or family quickly, our person-to-person transfer option makes it effortless. Managing your accounts has never been more accessible. Whether you're at home or out and about, you can easily monitor your financial activities in real-time. We believe banking should fit into your lifestyle not the other way around. In summary, South Carolina offers robust digital and online banking solutions designed for your convenience. Experience the ease of managing your finances with us today!

Key Features of Our Digital Banking Services

With just a few clicks at https://www.scfederal.org/, you can access your accounts 24/7 through our online banking platform. Whether you're checking balances, transferring funds, or paying bills, everything you need is right at your fingertips. We also offer e-statements to help you keep track of your finances without the clutter of paper. For those who prefer using their smartphones, our mobile application is available for download. This app not only allows you to check balances and make transfers but also supports mobile payments, making it easier than ever to pay for purchases on the go.

Financial Strength

At South Carolina, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to ensuring your financial future is secure and prosperous. Our financial health is robust, with a net worth of $312,628,701. This strong foundation allows us to offer better rates, lower fees, and enhanced member services. Moreover, our net worth ratio of 12.39% demonstrates that we have a solid capital base, ensuring we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. We prioritize your savings and peace of mind. Members' funds are secured through $69,036,468 in share certificates and $381,268,239 in money market shares, both offering stable and rewarding financial growth opportunities. Unlike traditional banks, we focus on our members first. With non-member deposits at $24,544,000, you can trust that our resources are used to benefit you through better loan rates, lower fees, and exclusive perks. In terms of reinvestment for future growth, we have $294,877,879 in undivided earnings. This means we are continually enhancing our services with innovative banking tools and stronger lending options to serve you better. Our commitment extends into lending as well; with $23,587 in used auto loans and $1,932,930,657 in total loans and leases, we support your financial goals across various sectors. Our operational efficiency is reflected in our net income of $6,349,798, allowing us to keep offering competitive loan rates and solid financial products tailored for you. We take pride in having a dedicated team of 567 full-time employees and 23 part-time employees who are always ready to assist you with knowledgeable service. With net shares amounting to $8,012,968, we have ample funds available for lending and investments. Furthermore, the trust placed in us by our community is evident with a total of 312,661 share and deposit accounts. This growing member base reflects our commitment to helping individuals like you manage their finances 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 1736 State Rd Summerville Sc 29486 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

Additional Financing Options

For those needing more flexibility, we provide credit lines totaling $765,007,137, which can serve as a safety net for unexpected expenses or larger purchases. And for business owners, our outstanding commercial loans totaling $69,636,247 provide the capital needed to grow and expand. If you're interested in refinancing any existing loans or exploring eligibility options, feel free to reach out! Our team is here to assist you every step of the way. If you have any questions or want to learn more about how we can support you financially, don't hesitate to contact us at (843) 797-8300 or visit us at our branch located at 1736 State Rd Summerville Sc 29486 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.

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 flexible terms make it easier than ever to finance your next vehicle, whether it's new or used.

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 provide competitive rates and tailored plans to fit your unique situation.

Unsecured 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. Our credit cards come with various benefits that can suit your spending habits.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its focus on transparency. - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, empowering them to make informed decisions. 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 feedback highlights how effective LendMesh can be in simplifying the loan search process. 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.*

Ensuring 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 commitment ensures that users receive fair and transparent offers. Each lender included in the comparison is verified, meaning you can trust that the information provided is both accurate and relevant.

SOUTH CAROLINA FEDERAL CREDIT UNION - Summerville, SC

Type of Loan Offerings

Personal Loans

Compare Loan Rates Near You

Loan rates in Summerville, SC (29486)