Services

Our Primary Services

 

SAVING ACCOUNTS

Share Accounts: This is a regular saving account. The initial deposit required to open this account is $25 and members are allowed 12 free withdrawals per year (roughly, 3 per quarter).  Members can deposit and withdraw funds at any time. 

Christmas Club:   SCCU members can save on a weekly or monthly basis in order to have funds for the Holidays. A Christmas club account can be opened any time within the calendar year, however, members are encouraged to open their Christmas Club accounts at the beginning of the year with a portion of their tax return(at least 10%).  The initial deposit for Christmas Club accounts is $10. However, withdrawals within that year, before November 15 will incur a $10 fee.

Certificate of Deposits (CDs):  SCCU CDs have a slightly higher interest rate and require a longer savings term. The current term on our CDs are 6 months at .25% interest and 12 months at .50%. Call the office for current rates on deposits of $100,000 or more.

LOANS

Consumer Loans: All types of consumer loans are available, including loan consolidation, personal loans, pay off credit cards, etc.

1st & 2nd Mortgage: In house Mortgage loans up to $30,000 for 15 years. Eighty percent (80%) of the appraised value or purchase price, whichever is less. Speak with us for current rates. Mortgage loans over $30,000 are submitted to the Mortgage Department.

Small Business:  Small Business start up or expansion loans are available up to $30,000.  

New Vehicle. New cars, light-duty trucks, vans, SUVs. Up to 72 months financing. Financing up to 100% of the NADA loan value on all makes and models. Rates are determined by credit score.
Used Vehicles. Used cars, light-duty trucks, vans, SUVs. Up to 72 months financing. Financing up to 100% of the NADA loan value on all makes and models. Rates are determined by credit score.

RECREATIONAL VEHICLES, MOTOR CYCLES AND CAMPERS. UP TO 72 MONTHS.

OTHER SERVICES

  • Check Cashing
  • Direct Deposit of Social Security & Payroll
  • Money Orders
  • Payroll Deduction
  • income taxes prepared
  • Free Notary Service for Members
  • Free Financial help with budgets, preparing personal financial Statements and counseling

SHARE INSURANCE

All deposits are insured by the NCUA up to $ 250,000. To read more on this click here or on the NCUA logo at the bottom of this page.