State Department Federal Credit Union

State Department Credit Union proudly serves members across South Carolina with a full range of financial services designed to empower your financial journey. Whether you’re managing everyday banking or planning for the future, membership unlocks access to convenient ATM and cash withdrawal services statewide, making it easy to access your money wherever you are.
Looking to drive a new car or refinance your vehicle? Take advantage of competitive auto loans and flexible vehicle financing tailored to fit your budget. Homeownership dreams become reality with mortgage loans and refinancing options crafted to meet South Carolina residents’ unique needs. For personal finances, enjoy checking and savings accounts that keep your money working for you, along with credit cards offering rewarding benefits.
Business owners benefit from specialized business banking solutions including merchant services and business loans that support growth and success. Plus, flexible personal loans and debt consolidation options help simplify managing finances.
State Department Credit Union’s secure online and mobile banking platforms offer 24/7 account access, empowering members throughout South Carolina to bank on their terms. Committed to community programs and member value, this credit union is dedicated to fostering financial well-being statewide—making membership truly worthwhile.

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
Owner Occupied
Home Equity ( 125% LTV Owner Occupied)
8.65 %
5 Yrs - 10 Yrs
$100,000
125 %
Owner Occupied
Home Equity Single Advance
6.99 % - 7.74 %
5 Yrs - 20 Yrs
$500,000
90 %
heloc
Home Equity Line-of-Credit (HELOC)
7 % - 9 %
$350,000
80 %
Investment Property
Home Equity Single Advance
8 % - 10 %
5 Yrs - 15 Yrs
$50,000
70 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
Conforming 10 YR Fixed
5.25 - 5.375 %
5.305 - 5.402 %
0.25
10.0 Yrs
CONVENTIONAL
FIXED
Conforming 15 Year Fixed
5.75 - 5.875 %
5.808 - 5.894 %
0.375
15.0 Yrs
CONVENTIONAL
FIXED
Conforming 20 YR Fixed
5.75 - 5.875 %
5.874 - 5.921 %
1
20.0 Yrs
CONVENTIONAL
ADJUSTABLE
Conforming 5/5 ARM
5.75 - 5.875 %
5.926 - 5.963 %
0.25
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
Conforming 7/6 ARM
5.75 - 5.875 %
6.535 - 6.563 %
0.625
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
Conforming 15/15 ARM
6.0 - 6.125 %
6.195 - 6.286 %
0.25
15.0 Yrs
CONVENTIONAL
FIXED
Conforming 30 Year Fixed
6.375 - 6.5 %
6.435 - 6.512 %
0.625
30.0 Yrs
CONVENTIONAL
ADJUSTABLE
Conforming 10/6 ARM
7.5 - 7.625 %
7.433 - 7.519 %
0.125
10.0 Yrs
JUMBO
FIXED
Jumbo 15 Year Fixed
5.75 - 5.875 %
5.808 - 5.894 %
0.375
15.0 Yrs
JUMBO
ADJUSTABLE
Jumbo 5/5 ARM
6.0 - 6.125 %
6.023 - 6.061 %
0.25
5.0 Yrs
JUMBO
FIXED
Jumbo 30 Year Fixed
6.375 - 6.5 %
6.471 - 6.548 %
1
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share secured loan
3.05 %
Moneyline line-of-credit
11.75 - 16.75 %
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
New Auto/Boat
4.89 % - 15 %
3 Yrs
Auto
New Auto/Boat
5.49 % - 15 %
5 Yrs
Auto
New Auto/Boat
5.84 % - 15 %
6 Yrs
Auto
New Auto/Boat
6.19 % - 9.89 %
7 Yrs

Introduction

Welcome to state-department, where our mission is simple yet profound: to provide community-focused, member-first financial services that empower individuals and families across . Under the leadership of CEO James Hayes and Board President Marlene Schwartz, we are dedicated to enhancing the financial well-being of our members. Our commitment to innovation means you can enjoy modern conveniences such as electronic signature authorization (Yes), e-statements (Yes), mobile payments (Yes), a dedicated mobile app (Yes), online banking (Yes), and person-to-person payment support (Yes). We invite you to explore how our tailored services can help you achieve your financial goals. For more information, visit us at http://www.sdfcu.org, or feel free to reach out via fax at . Together, let’s build a brighter financial future!

Services & Financial Solutions

At State Department Credit Union, we understand that managing your finances is a vital part of everyday life, especially in South Carolina. Our range of personal banking services is designed with you in mind, offering everything from checking and savings accounts to auto loans and credit cards with rewards. Whether you're looking to buy your first home or simply need a reliable way to handle daily expenses, we have the solutions to help you achieve your financial goals. With our convenient online banking platform and mobile application, you can easily check your account balance, transfer funds, and make payments from anywhere—right from the palm of your hand.
For those who are business owners or entrepreneurs, our credit union also offers robust support through business banking services that include merchant services and business loans tailored to meet the unique needs of your company. We believe that every member deserves access to flexible lending options without the hassle. That's why we provide mortgage loans and refinancing solutions that can help you secure your dream home or manage existing debt more effectively. Plus, features like electronic signatures streamline the application process, making it quicker and easier for you to get the financing you need. With e-statements and person-to-person payment capabilities, managing your finances has never been simpler or more efficient. At State Department Credit Union, we're dedicated to providing accessible financial solutions that empower our members across South Carolina to thrive in their personal and professional lives.

Why Choose Us

At state-department in , becoming a member and opening an account is as easy as it gets! We believe in making banking accessible for everyone, and that’s why we encourage prospective members to review their eligibility at: . Our core values are rooted in trust, community engagement, personalized service, and financial reliability. When you choose us, you're not just getting a financial partner; you're joining a community that truly cares about your financial well-being. Our dedicated team is here to provide you with tailored solutions that fit your unique needs. Plus, with features like our mobile application and online banking, managing your finances has never been more convenient. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Join us today and experience the difference of personalized banking!

Branch Details

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

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