Srp Credit Union North Augusta SC | Low Mortgage Rates & Business Loans

Introduction

Welcome to Srp, your trusted financial partner at our Walnut Lane Branch located at 1070 Edgefield Rd, North Augusta, SC 29860. Established in 1960, we have proudly served our community for over six decades, fostering strong relationships with our 194,166 members. At Srp, we understand the importance of financial security and are committed to helping you achieve your goals through personalized banking solutions. With a robust total asset base of $1,792,870,666, we offer a wide range of services tailored to meet your needs. From auto loans and mortgages to personal loans and credit cards with rewards, our financial products are designed with you in mind. Currently, we hold $225,073,133 in deposits and have successfully issued 75,098 loans, demonstrating our dedication to supporting both personal and business finance. 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 6730, North Augusta, SC 29861. Under the leadership of CEO Eric Jenkins and Board President Sandra Devoe Bland, we strive to create an environment where every member feels valued. With a team of 441 employees, we work diligently to ensure that your experience with us is exceptional. Whether you need assistance or want to learn more about our services, feel free to reach out by calling us at 803-278-4851. Join us at Srp today and discover how we can help you navigate your financial journey with confidence! Visit our website at srpfcu.org for more information or stop by the branch during our operating hours: Monday & Tuesday from 8:30 AM to 5:30 PM, Wednesday from 8:30 AM to 12:00 PM, and Thursday & Friday from 8:30 AM to 6:00 PM. Your future starts here!

Branch History & Mission

Community Connection

The essence of Srp is deeply rooted in our commitment to community connection. We take pride in being more than just a financial institution; we are partners in progress. Through various outreach programs and partnerships with local organizations, we strive to make a meaningful impact on lives beyond banking. As we look ahead, we invite you to join us on this journey toward financial well-being. Discover how you can benefit from becoming part of the Srp family by visiting us or calling us at (803) 278-4851 today. Together, let's build a brighter future for all!

Our Journey

From our location at 1070 Edgefield Rd North Augusta Sc 29860, nestled near local landmarks that many in the community recognize, we have dedicated ourselves to offering personal banking services tailored to meet the needs of our diverse membership. As we evolved through the years, we've embraced changes in technology while ensuring that our services remain accessible to everyone. The addition of features like online banking and mobile payments reflects our commitment to providing modern solutions alongside traditional values.

Our Mission

Our mission at Srp is simple yet profound: to empower individuals and families through quality financial services while fostering a spirit of community support. We believe in creating pathways for financial stability, whether through auto loans, mortgage financing, or credit card options with rewards. We also prioritize outreach initiatives that aim to uplift those around us, ensuring that our growth contributes positively to the community we serve. While members can visit us at 1070 Edgefield Rd North Augusta Sc 29860, official correspondence should be sent to PO Box 6730, North Augusta, SC 29861 if it differs from our branch address. Our operating hours are designed with your convenience in mind open Monday and Tuesday from 8:30 AM to 5:30 PM, Wednesday from 8:30 AM to 12:00 PM, and Thursday and Friday until 6:00 PM.

Branch Location & Accessibility

Banking Services at Your Fingertips

At Srp, we take pride in offering a range of services designed to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, if you're in a hurry, you can take advantage of our drive-thru banking for quick deposits and withdrawals or use our ATM service for convenient cash access. While members can visit us at 1070 Edgefield Rd North Augusta Sc 29860, official correspondence should be sent to PO Box 6730, North Augusta, SC 29861.

Convenient Access and Nearby Landmarks

Our location is easy to find, just off Edgefield Road and close to the vibrant community of North Augusta. If you're coming from downtown, you can enjoy a short drive with plenty of parking available right outside our doors. We also offer ADA-compliant features, including ramps for easy access, so everyone can visit us comfortably.

Operating Hours That Fit Your Schedule

We understand that life can get busy! That's why we've tailored our operating hours to fit your needs. You can visit us on Mondays and Tuesdays from 8:30 AM to 5:30 PM, Wednesdays from 8:30 AM to noon, and Thursdays and Fridays from 8:30 AM to 6:00 PM. Whether you need assistance with personal banking or are interested in applying for a loan, our friendly staff is ready to assist you during these hours.

We’re Here for You!

If you have any questions or need assistance before your visit, feel free to call us at 803-278-4851. Our dedicated team is eager to help you make the most of your banking experience. Come by and see what we can do for you today!

Member Eligibility

At Srp, we believe that becoming a member is like joining a caring family where your financial well-being is our top priority. If you're looking to become a part of our vibrant community, you'll be pleased to know that membership is open to anyone who lives, works, or worships in the area. We embrace diversity and welcome individuals from all walks of life, so whether you're a long-time resident or new to our community, we invite you to explore the possibilities with us. To see the full details on eligibility criteria, check out our website at https://srpfcu.org/become-a-member/ . Opening an account with us is simple and straightforward! Just visit us at 1070 Edgefield Rd North Augusta Sc 29860 or give us a call at (803) 278-4851. Our friendly team is here to help you through every step of the process. You can also find more information about opening an account online by visiting https://my.srpfcuonline.org/registration . Join us at Srp and experience the many benefits of being a member from personalized service to great financial products designed just for you!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $227 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $22 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $231,315,333, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that make everyday transactions smooth and efficient. Imagine being able to accept payments easily from customers, whether they prefer credit cards or digital wallets. Our systems are designed to streamline operations so you can focus on what matters most growing your business. Located conveniently at 1070 Edgefield Rd North Augusta Sc 29860 in North Augusta, SC, our dedicated team is ready to assist you. Give us a call at (803) 278-4851 to learn how we can help elevate your business today!

Comprehensive List Of Services

A Welcoming Community Hub

At Srp, we pride ourselves on being more than just a financial institution; we're part of the community. Our friendly staff is here to assist you with any questions or concerns you might have about your accounts or financial goals. Ready to explore all that we have to offer? Call us today at (803) 278-4851 or visit us in person at 1070 Edgefield Rd North Augusta Sc 29860. We invite you to experience how Srp can help simplify your financial life!

ATM & Drive-Thru Services

Need cash quickly? Our ATM services allow for easy withdrawals and balance checks anytime you need them. Plus, our drive-thru service offers a convenient way to handle deposits and simple transactions without leaving your car.

Business Banking Services

If you're a business owner, you'll appreciate our commitment to supporting your success. Our business banking services include merchant services that simplify payment processing and business loans tailored to help you grow. We understand that every business has unique needs, which is why we work closely with our members to find the best solutions.

Convenient Online & Mobile Banking

In today's fast-paced world, having access to your finances at your fingertips is essential. With our online and mobile banking services, managing your accounts has never been easier. You can check balances, transfer funds, pay bills, and even send money to friends through person-to-person payments all from your smartphone or computer.

Personal Banking Solutions

Managing your finances should be easy and convenient. That's why at Srp, we offer a variety of personal banking services tailored to fit your lifestyle. Our checking and savings accounts make everyday banking simple, while our auto loans and vehicle financing options help you get on the road without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing services can guide you through the process smoothly. For those unexpected expenses, our personal loans and debt consolidation services can provide the support you need. Plus, with credit cards that offer rewards, you can earn while you spend!

Digital & Online Banking

Access Anytime, Anywhere

With our online banking services available 24/7 at https://srpfcu.org/ , you can check balances, transfer funds, and pay bills without stepping foot in a branch. Whether you're at home or on the go, your banking needs are just a few clicks away.

Mobile Convenience

Our mobile application takes convenience to another level. With features like mobile payments and person-to-person transfers, sending money to friends or paying for that morning coffee has never been simpler. Just download the app and enjoy quick access to all your banking services.

Security You Can Trust

We prioritize your security with robust measures in place to protect your information. Our digital banking platform is equipped with advanced security features, ensuring that your data remains safe while you manage your accounts online. Experience the ease of banking at Srp today! Sign up for our services through https://srpfcu.org/ and take control of your financial journey wherever you are.

User-Friendly Features

Managing your money is easier than ever. You can opt for e-statements, which not only help you keep track of your finances but also reduce paper clutter. Plus, with electronic signature authorization, signing important documents is simple and secure. No more waiting for the mail everything is right at your fingertips!

Financial Strength

A Growing Member Base

Total Share Accounts: 350,272, showing a strong and growing member base that trusts us with their finances. This confidence enables us to provide even more value through diverse financial solutions tailored to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Srp is your trusted partner. Visit us at 1070 Edgefield Rd North Augusta Sc 29860 or call (803) 278-4851 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $234,717,834 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial; with $16,515 in used auto loans and $1,136,456,400 in total loans and leases, we support 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 420 full-time employees and 21 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $235,258,128 in share certificates, offering stable and rewarding financial growth opportunities. While we do not hold money market shares at this time, our focus remains on maximizing member benefits through various savings options. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $245,775,808, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,368 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $238,022,198 in used vehicle loans and $143,074,843 in new vehicle loans already helping members get on the road. We provide flexible terms to fit your budget and needs, making it easier than ever to drive away with confidence.

Credit Lines and Business Loans

For those who need additional financial flexibility, our total credit lines amount to $173,322,178. Additionally, for business owners, our outstanding commercial loans totaling $231,315,333 provide the capital needed to grow and expand your business. If you're considering refinancing any existing loans or would like to explore eligibility options, our team is here to help. Reach out today at (803) 278-4851 or visit us at 1070 Edgefield Rd North Augusta Sc 29860 in North Augusta, SC for more information on how we can assist you. 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 help you find the right loan product that meets your needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $44,916,355, make buying or refinancing simple. We offer competitive rates and personalized service to guide you through the entire process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $63,783,169 in loans helping members manage their finances effectively. This option allows you to make purchases without needing collateral while enjoying features like rewards and low-interest rates.

Loan Aggregator

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Ensuring Accurate Comparisons

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SRP FEDERAL CREDIT UNION - North Augusta, SC

Type of Loan Offerings

Personal Loans

Vehicle Loans