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 .75% on 6 month and 1.25% on 12 months. 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 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 loan committee.
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 84 months financing. Financing up to 100% of the NADA loan value on all makes and models. Rates are determined by credit score.
New Car SPECIAL: Get 4.5% with excellent credit and a low income to debt ratio.
Used Vehicles. Used cars, light-duty trucks, vans, SUVs. Up to 84 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 84 MONTHS.
OTHER SERVICES
- Interest rates
- 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.