S. C. State Federal Credit Union

Headquarters

P.o. Box 726
Columbia, SC 29202
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 5.50% →
1-Year CD 0.95% 4.80% →
2-Year CD 1.05% 4.25% →
5-Year CD 1.16% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

S. C. State is an NCUA insured institution located in Columbia, SC. It was founded in 1952 and has approximately $1411.04 millions in assets.

Who can join?

If you live, work or attend school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens or Spartanburg County, you are eligible for membership.

Employment/School Eligibility
In addition, if you are enrolled in SC Retirement Systems or are a city, county, or state employee, you are also eligible. If you work for one of our select employee groups or you are a student, professor or staff member of any state-chartered college or university, you may join.

Family Eligibility
If you are relative by blood or marriage to a current credit union member, you may become a member of S.C. State Credit Union.

NCUA Insured Yes / Federally Chartered
Charter Number # # 24824
Date Established 1952
Assets $1,411.04 million
Loans $783.26 million
Deposits $1,125.75 million
Capital $181.66 million
 

Field of Membership Restrictions

Membership in State Credit Union is open to the following: (1) Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens, or Spartanburg Counties in South Carolina; (2) employees of the state of South Carolina or any county or municipality within the state of South Carolina; (3) employees, faculty and students of any South Carolina technical college or state chartered college or university; (4) those enrolled in the South Carolina retirement system; (5) employees of Pepsi Cola Bottling Co., Swift Transportation and over 200 statewide Select Employer Groups.

Deposit Rates - November 21, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.45% $2,500 $2,999 Learn More
Money Market
0.50% $10,000 $14,999 Learn More
Money Market
0.70% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.95% $10,000 $14,999 Learn More
12 Mo CD
0.95% $100,000 $199,999 Learn More
18 Mo CD
1.02% $10,000 $14,999 Learn More
18 Mo CD
1.02% $100,000 $199,999 Learn More
24 Mo CD
1.05% $10,000 $14,999 Learn More
24 Mo CD
1.05% $100,000 $199,999 Learn More
30 Mo CD
1.05% $10,000 $14,999 Learn More
30 Mo CD
1.05% $100,000 $199,999 Learn More
36 Mo CD
1.11% $10,000 $14,999 Learn More
36 Mo CD
1.11% $100,000 $199,999 Learn More
48 Mo CD
1.13% $10,000 $14,999 Learn More
48 Mo CD
1.13% $100,000 $199,999 Learn More
60 Mo CD
1.16% $10,000 $14,999 Learn More
60 Mo CD
1.16% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 21, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for S. C. State

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Pure Rate Mortgage
NMLS ID: 2578474
6.494% 6.375% 0.88 $4,010 $1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.955% 6.875% 0.63 $2,594 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.325% 7.250% 0.75 $2,400 $2,183 Learn More
Neighbors Bank
NMLS ID: 491986
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.240 %
After Intro: 7.240 %
$0 Learn More
More Info

Note to S. C. State
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are S. C. State branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives

S. C. STATE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

S. C. State Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of S. C. State. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
S. C. State U.S. Average
5.16% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, S. C. State had $9,494,917 in non-current loans and $135,495 in owned assets. To cover these potential losses it had $181,656,895 in net worth and $4,948,467 in loans loss reserves. That gives it a Texas Ratio of 5.16%.

Net Worth
S. C. State U.S. Average
12.83% 13.93%

S. C. State FCU has a net worth of 12.83% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for S. C. State

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