S. C. State Federal Credit Union
Headquarters
P.o. Box 726
Columbia, SC 29202
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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 $1387.25 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 | $1,387.25 million |
| Loans | $756.17 million |
| Deposits | $1,114.05 million |
| Capital | $168.98 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 - April 25, 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 |
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|
|
Money Market
|
0.45% | $2,500 | $2,999 |
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|
|
Money Market
|
0.50% | $10,000 | $14,999 |
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|
|
Money Market
|
0.70% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
1.02% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
1.02% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.11% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.13% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.13% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.16% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.16% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - April 25, 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 |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.734% | 6.625% | 0.88 | $3,600 | $2,049 | Learn More |
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 447490 |
6.817% | 6.750% | 0.63 | $2,189 | $2,076 | Learn More |
NMLS ID: 3029 |
7.008% | 6.875% | 0.88 | $4,492 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to S. C. State
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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 |
|---|---|
| 5.73% | 6.97 |
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 December 31, 2023, S. C. State had $9,782,333 in non-current loans and $189,821 in owned assets. To cover these potential losses it had $168,980,077 in net worth and $4,948,467 in loans loss reserves. That gives it a Texas Ratio of 5.73%.
Net Worth
| S. C. State | U.S. Average |
|---|---|
| 12.14% | 13.62% |
S. C. State FCU has a net worth of 12.14% versus the BestCashCow average of 13.62. 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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