Search Search Locations Contact About Rates Log In Join Accounts & Services Loans & Credit Investments Loans & Credit A full set of options at low rates. Vehicle Loans Great rates and a variety of terms to fit almost any budget. Mortgages Several options to get you into your dream home. Home Equity Lines A good option for financing life's big decisions. Personal Loans Funds for personal borrowing and for any occasion. Other Secured Loans Enjoy life with great rates on appliances, jet-skis, and more. SCU Visa Credit Card Standard and secured options to cover ongoing expenses. See Our Competitive Rates Download Loan Rate Sheet Skip-a-Pay Take advantage of the extra cash for holidays, vacations, or catching up on other bills. Loan Calculator Estimate your monthly payment, based on the size of your loan and how long it will take to repay. This loan calculator is meant to give you a payment estimate only. It does not imply an offer from S.C. State Federal Credit Union. If you have questions about a loan, please contact us. Loan Amount ($): Loan Length (months): Interest Rate (%): Loan Protection Protecting yourself and your loans is easy and affordable. Ensure your SCU loans can be paid if something unexpected happens. Standard long-term disability insurance only covers a portion of your income. With our disability and credit life insurance plans, you are protected against having to use your reduced income to make loan payments. Disability Insurance Covers your loan payments up to the maximum coverage limits should you become totally disabled due to sickness or injury while insured. Credit Life Insurance Pays off or reduces your outstanding loan balance up to the coverage limit to protect your loved ones after you're gone. Get More Information Contact a loan officer at 800-868-8740, ext. 8760, for details and rates. Loan Adjustments for Active Duty Military If you have been mobilized in the United States Armed Forces, you're entitled to an adjusted 6% interest rate on your loan or Visa account under the Service Members Civil Relief Act. Request Military Adjusted Interest Rate 41 Service Members Civil Relief Act Notification Form Complete the form and email to info@scscu.com. Or fax to 803-454-8042. Mailing Address State Credit Union Attn: Loan Adjustment Services Post Office Box 726 Columbia, SC 29202 Payment Protection is Credit Life and Disability Insurance and is underwritten by CUNA Mutual in the state of Wisconsin. Coverage is voluntary and is recommended to fill gaps in your existing insurance coverage. You may purchase either disability or life insurance products separately or together, and have a 30-day free look period during which you may cancel coverage and receive a full refund of your premium. Exclusions, limitations, and terms of availability apply to this coverage. For cost and complete details, please contact your loan officer. Get a Loan Apply Online Not a member? Find out how you can join! Chances are, you qualify for membership! Join Today Careers Locations Contact Taking Members Where They Want to Go 800-868-8740 Facebook Twitter Instagram Disclosures Privacy & Security © SC State Federal Credit Union. All rights reserved. Site by truematter Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.