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State Credit Union State Credit Union
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50+ Years
experience
Your Trusted Financial Partner in Columbia, SC
State Credit Union has been dedicated to improving the financial lives of its members since 1952. As a member-owned institution, we prioritize personalized service, competitive rates, and community impact. Our earnings are reinvested to benefit members through enhanced services and financial products. With over $1.4 billion in assets and 102,000 members across 19 South Carolina branches, we offer a full range of banking solutions, including checking and savings accounts, loans, credit cards, and financial education programs. Our commitment to transparency ensures no hidden fees, while NCUA insurance protects deposits up to $250,000.

We emphasize financial literacy through free resources like MoneyEdu and provide tailored support for retirement planning, investment growth, and debt management. Community engagement remains central to our mission, demonstrated through scholarships, local event sponsorships, and partnerships with organizations like Make-A-Wish South Carolina. Our team of experienced professionals delivers expert guidance on vehicle loans, mortgages, home equity lines, and secured credit options. By combining decades of experience with modern banking technology, we empower members to achieve financial stability and long-term success.
Services
Checking Accounts Savings Accounts Vehicle Loans Mortgages Credit Cards Home Equity Lines Personal Loans Financial Education Online Banking Loan Protection
Details
  • Year established: 1952
Highlights and features
  • We are member-owned, prioritizing your financial success over profits.
  • Our competitive rates on loans and deposits exceed traditional bank offerings.
  • Personalized service from experienced professionals is available at 19 South Carolina branches.
  • NCUA insurance protects deposits up to $250,000 for member security.
  • Free financial education resources help you make informed money decisions.
What people say
Wonderful and professional group Made the process stress-free Helpful staff Competitive rates Quick service
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Services
Vehicle Loans
State Credit Union offers vehicle loans with rates as low as 4.25% APR for new vehicles and 5.75% APR for used vehicles. Terms vary based on creditworthiness and vehicle age, with options for boats, RVs, and motorcycles. Members can enjoy no payments for up to 90 days on qualifying loans.
Credit Cards
Our Visa credit card options include secured, classic, gold, platinum, and signature tiers with APRs ranging from 10.9% to 17.9%. Benefits include cashback rewards, no annual fees, contactless payments, and identity theft protection. Balance transfer promotions offer up to 5,000 reward points.
Financial Education
Free financial education resources through MoneyEdu provide tools for budgeting, retirement planning, and debt management. Members access interactive courses, debt reduction plans, and personalized counseling to improve financial literacy and long-term stability.
Home Equity Lines
Home Equity Lines of Credit (HELOC) offer flexible financing for major expenses. Competitive rates and customizable terms allow members to leverage home equity for renovations, education, or emergency funds while maintaining access to funds as needed.
Online Banking
24/7 online and mobile banking services enable account management, bill payments, fund transfers, and loan applications. Features include Zelle for instant transfers, card controls, and real-time transaction alerts for secure, convenient financial management.
Questions
How do I join State Credit Union?
Visit our website to apply online or visit any of our 19 South Carolina branches. Membership requires opening an account with a minimum deposit.
Are my deposits insured at State Credit Union?
Yes, all deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
What loan types do you offer?
We provide vehicle loans, mortgages, home equity lines, personal loans, RV/boat financing, and secured credit options with competitive rates.
Do you offer financial education resources?
Yes, free tools through MoneyEdu include budgeting guides, debt management plans, retirement calculators, and personalized financial counseling.
How can I report a lost or stolen card?
Contact us immediately at 800-868-8740 to report lost/stolen cards and request a replacement.
Can I apply for loans online?
Yes, most loan applications, including vehicle and personal loans, can be completed online through our secure portal.
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