West Columbia SC Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to South Carolina, your trusted financial partner located at 109 N 12Th St West Columbia Sc 29169 in the vibrant community of West Columbia, SC. Established in 1936, we take pride in serving over 173,960 members with a strong commitment to enhancing their financial well-being. With total assets exceeding $2,519,426,018, our credit union stands as a beacon of security and support for individuals and families seeking reliable banking solutions. At South Carolina, we understand that every member's needs are unique. That's why we offer a range of services including personal banking, auto loans, mortgage options, and business banking solutions tailored just for you. Our dedicated team, led by CEO Scott Woods and Board President James Mace, is here to ensure that you receive the best possible service. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 190012, North Charleston, SC 29419-9012. Whether you're looking to open a new account or explore loan options our friendly staff is ready to assist you from Monday to Friday, 9:00 AM to 5:30 PM. Join us at South Carolina where your financial success is our priority. Feel free to reach out by calling us at (803) 791-8545 or visiting our website at https://www.scfederal.org/ for more information on how we can help you thrive financially!

Branch History & Mission

Community Engagement

Community involvement is at the heart of what we do. Over the years, South Carolina has partnered with local organizations and initiatives aimed at uplifting those around us. From sponsoring educational programs to supporting local charities, we actively contribute to making West Columbia a better place for all residents. Our dedicated team is always ready to assist you during our operating hours from Monday to Friday, 9:00 AM - 5:30 PM. Whether you need help in person or prefer using our ATM or drive-thru services for quick transactions, we've got you covered. As we continue to grow and evolve alongside our community, we invite you to join us at South Carolina. Experience firsthand how we can support your financial goals while being part of a caring community. Together, let's build a brighter future! For more information or to become a member today, please reach out by calling us at (803) 791-8545 or visit us online at our website. We look forward to welcoming you!

Our Mission

At South Carolina, our mission is clear: we aim to empower individuals and families by providing tailored financial solutions while fostering a sense of community and support. We believe that everyone deserves access to quality banking services whether it's opening a checking account, securing an auto loan, or planning for retirement. Our focus extends beyond just financial transactions; we prioritize building lasting relationships with our members and offering guidance as they navigate their financial journeys. In addition to traditional banking services, we embrace modern advancements in technology to enhance your experience. Enjoy the convenience of online and mobile banking, allowing you to manage your finances anytime, anywhere. Our commitment to accessibility also includes ADA compliance, ensuring that everyone can comfortably use our facilities.

Branch Location & Accessibility

Accessibility Features

At South Carolina, we prioritize accessibility for all members. Our branch is fully ADA compliant, featuring ramps and designated parking spaces to accommodate everyone. Whether you're visiting us for a quick transaction or a more detailed financial discussion, you'll find our friendly staff ready to assist you.

Operating Hours and Services

Our doors are open Monday through Friday from 9:00 AM to 5:30 PM, giving you ample time to manage your banking needs. If you're on the go, we also offer convenient drive-thru banking services for deposits and withdrawals, allowing you to handle your transactions without leaving your vehicle. Plus, with ATM availability right here at our branch, accessing cash is quick and easy. We provide a range of services tailored to meet your financial needs, including personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Our team is also equipped to assist with business banking solutions if you're looking for merchant services or business loans.

Visit Us Today!

We're excited to serve you at South Carolina. Feel free to stop by or give us a call at (803) 791-8545 if you have any questions or need assistance. Your financial journey starts here let's take it together!

Member Eligibility

Becoming a member of South Carolina is like joining a caring community where your financial well-being is our priority. If you live, work, or worship in the area, you're likely eligible to join us! We welcome individuals from all walks of life and believe everyone deserves access to quality financial services. To find out more about who can become a member, you can check the detailed eligibility criteria at http://www.scfederal.org/why-us/membership-benefits . Once you're ready to take the next step, opening an account with us is simple and straightforward. Just visit https://online.scfederal.org/auth/enrollment?_gl=1*1h067ag*_gcl_au*mzy5nzc2mti2lje3mzq0ndmyotm . to get started on your journey with South Carolina. If you have any questions along the way, feel free to reach out at (803) 791-8545. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable partner to help you accept payments effortlessly. Our merchant services simplify transactions so you can focus on what matters most growing your business. From point-of-sale systems to mobile payment options, we equip you with the tools necessary to meet your customers' needs efficiently. Visit us at 109 N 12Th St West Columbia Sc 29169 in West Columbia, SC, or give us a call at (803) 791-8545 to discover how our business banking solutions can support your success!

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

Business Solutions

For our business members, we provide tailored Business Banking solutions, including Merchant Services and Business Loans that help companies thrive. Whether you're starting a new venture or expanding an existing one, we have resources available that can support your growth.

Convenient Digital Tools

To enhance accessibility and convenience, we proudly offer Online & Mobile Banking services. You can check balances, transfer funds, pay bills, and even deposit checks right from your smartphone or computer making it easy to bank on your schedule. If you prefer face-to-face interactions, visit us at our branch located at 109 N 12Th St West Columbia Sc 29169 in West Columbia, SC. Our lobby hours are Monday through Friday from 9:00 AM to 5:30 PM. We also have an ATM available for quick cash withdrawals or balance checks outside regular hours. At South Carolina, we strive to create financial solutions that fit seamlessly into your life. If you'd like more information about any of these services or want assistance getting started today, don't hesitate to call us at (803) 791-8545. Join us in building a brighter financial future!

Financial Support

In addition to these services, we also offer Personal Loans & Debt Consolidation options for those looking to manage expenses or consolidate debt into a single monthly payment. Life can be unpredictable, and having access to funds when you need them most can be a relief. Don't forget about our Credit Cards with Rewards, which not only allow you to make purchases conveniently but also earn rewards points that can be redeemed for travel, merchandise, and more. Every swipe brings you closer to something special!

Personal Banking

For your everyday banking needs, we offer various Checking & Savings Accounts that help you manage your finances effectively. Our accounts come with user-friendly features that allow you to track spending and save for future goals. Imagine having the ability to set up automatic transfers into your savings account each month; this makes saving easier than ever! If you're considering a new vehicle or need financing for an existing one, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. Picture driving off in your dream car while knowing you have a manageable payment plan that fits within your budget. Thinking about purchasing a home? Our Mortgage Loans & Refinancing services can guide you through the process. Whether it's your first home or you're looking to refinance an existing mortgage for better rates, our team is here to simplify the journey.

Digital & Online Banking

Key Services

Our online banking services are available 24/7, allowing you to check your account balance, transfer funds, and pay bills at your convenience. You can also take advantage of electronic signature authorization, which simplifies the process of signing documents securely without needing to visit a branch. If you prefer to go paperless, we provide e-statements that give you a clear view of your financial activity while helping you reduce clutter. Plus, with mobile payments, you can make purchases directly from your smartphone perfect for those on the go!

Mobile Access

For even greater convenience, our mobile application is available for download, bringing all these features right to your fingertips. Whether you're making person-to-person transfers or checking transactions, our app ensures that managing your money is just a tap away. At South Carolina, we prioritize security while providing these accessible banking options. Our systems are designed to keep your information safe so you can enjoy peace of mind as you manage your accounts in real time. With our comprehensive digital banking solutions, you'll find everything you need to stay on top of your finances all from the comfort of your home or wherever life takes you!

Financial Strength

Commitment to Growth and Service

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 extends to lending; 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.

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.

Secure Savings Opportunities

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.

Strong Capital 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.

Trust Through Numbers

With net shares available for lending and investments totaling $8,012,968, alongside a robust member base of 312,661, it's clear that our community 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 109 N 12Th St West Columbia Sc 29169 or call (803) 791-8545 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. Whether you're eyeing a brand-new model or a reliable used vehicle, we're here to assist you every step of the way.

Business Loans

For business owners, our outstanding commercial loans totaling $69,636,247 provide the capital needed to grow and expand your business. We recognize that having access to funds can make all the difference, and we are committed to supporting our local businesses with tailored loan solutions. Our loan products are designed with you in mind. We encourage you to reach out and learn more about how our offerings can fit into your financial plans. For more information or to discuss your specific needs, please feel free to contact us at (803) 791-8545, or visit us at our branch located at 109 N 12Th St West Columbia Sc 29169 in West Columbia, 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 journey starts here, and we're excited to be part of it!

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 flexible terms and competitive rates to help you secure the home of your dreams. Our team is ready to guide you through the process and answer any questions you may have about eligibility and refinancing options.

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. This option is perfect for those looking for a convenient way to handle everyday expenses while enjoying the benefits of cash back rewards.

Loan Aggregator

Accurate Loan 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 sourcing ensures that users receive fair and transparent offers, reflecting the most current market conditions.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, guaranteeing a level of transparency that users can trust. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. This commitment to unbiased results means users can compare options without worrying about hidden agendas. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps users quickly find the best deals tailored to their needs. 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 kind of feedback underscores the platform's effectiveness in helping individuals secure favorable financing. 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