Featured Savings Rates
Featured Accounts

State Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.31%5-year CD60+ Month Certificate
0.45%1-year CD12+ Month Certificate
0.15%SavingsSecondary Savings Account

Overview / Commentary
803-343-0300
800 Huger St
Columbia, SC 29201-3620

State Credit Union is headquartered in Columbia and is the 8th largest credit union in the state of South Carolina. It is also the 364th largest credit union in the nation. It was established in 1952 and as of September of 2017, it had grown to 250 employees and 71,894 members at 20 locations. State Credit Union's money market rates are 14% higher than the national average, and it boasts an A+ health rating.

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.
See current membership details

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Reviews (3)

South Carolina State Credit Union Review

I have banked exclusively with the South Carolina State Credit Union for essentially my entire life. I am 30 years old, and set up my account initially when I was 10 years old. This was just a simple savings account that my family encouraged me to set up. I was able to open this account due to a family member being a member already, but the process of joining the credit union is very simple.

I currently keep a savings account at this particular credit union, but not my normal checking system. I choose to use a national bank as a checking account, due to the amount of available ATM's. I have however, utilized the credit union for 2 auto loans throughout my life and will do so again if I ever finance another car. The rates were MUCH lower than any other national outlet, and the process was very simple. I will be purchasing my first home in a few years, and will be financing my purchase with a mortgage through this credit union.

Overall the ease of use is there and the customer service cannot be beat. I would encourage anyone in the state of South Carolina to use this institution for their banking and financial needs.

On A First Name Basis

Posted by: ostkos | Apr 16, 2011

South Carolina State Credit Union is a small credit union in South Carolina open to all state employees and their families. As my father was a state employee for many years I was able to open an account there. Because it is such a small bank it was a great first bank. You got to know the people that handle your money on a first name basis. I have never had to wait in a line to be served at South Carolina State Credit Union which is very different from many other "big name" banks. Even if you are not a state employee the bank employees will do everything in your power to find a way to make you a member! Great staff & excellent loan and savings rates too!

CUSTOMER SERVICE IS HORRIBLE & WILL CHARGE YOU FEES FOR EVERYTHING

Posted by: Anonymous | Dec 8, 2011

CUSTOMER SERVICE IS HORRIBLE!!!!!! WHEN YOU HAVE TO FOLLOW UP NUMEROUS TIMES ON A MATTER, TALK TO A SUPERVISOR - WHO DOES NOT CARE- DOES NOT ASSIST IN RESOLVING YOUR ISSUE, IT'S TIME TO GO SOMEWHERE ELSE. THIS BANK HAS LOST ITS CHARM. BREATHE IN THE BANK, AND THEY CHARGE YOU A FEE.



Health
A+

Health Grade Components

Overall
NCUA #24824
Year Chartered1952
Employees250
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD9.74%
Annual Interest Income$19.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$785.2MM$723.3MM
LoansQ3 2017vs Q3 2016$392.2MM$341.8MM
DepositsQ3 2017vs Q3 2016$681.4MM$630.2MM
Equity CapitalQ3 2017vs Q3 2016$91.2MM$82.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$2.6MM$2.7MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.7MM$1.8MM
Real Estate OwnedQ3 2017vs Q3 2016$73.00K$158.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

State Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--IRA Savings Account
0.15%--Regular Savings Account
0.15%--Secondary Savings Account
0.15%--Holiday Club Account
0.15%--Youth Savings

State Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$25k*-Money Management Account
OTHER TIERS: 0.15% Up to $1k | 0.25% $1k - $5k | 0.35% $5k - $10k | 0.40% $10k - $25k

State Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2,500-First Checking Account
0.10%$2,500-Relationship Checking Account
0.10%$2,500-Club Checking Account
0.10%--DBA Dividend Checking Account
0.10%$2,500-Loyalty Checking

State Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%$500-60+ Month Certificate
1.16%$500-48+ Month Certificate
0.96%$500-36+ Month Certificate
0.76%$500-24+ Month Certificate
0.65%$500-18+ Month Certificate
0.45%$500-12+ Month Certificate
0.45%$100-12 Month Youth Certificate
0.30%$500-6+ Month Certificate
0.25%$500-3+ Month Certificate

State Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%$500-60+ Month IRA Certificate
1.16%$500-48+ Month IRA Certificate
0.96%$500-36+ Month IRA Certificate
0.76%$500-24+ Month IRA Certificate
0.65%$500-18+ Month IRA Certificate
0.45%$500-12+ Month IRA Certificate
Locations

Availability