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Today's Auto Rates:

New and Used: As low as 1.99% Annual Percentage Rate (APR)

Looking to purchase a new or used car, truck or SUV? Let South Carolina Federal help you get the financing you need. We offer great rates, flexible payment options, and much more. And with our pre-qualification program, you can apply before you shop!

• No pre-payment penalty
• Everyday low rates
• Free automatic payments
• Make no payments for up to 90 days*

Transfer your existing auto loan from another lender and your Simple Checking or Premium Checking account may qualify you for a discount.

*Not available on internal refinances.

Ready To Apply?

Three easy and convenient ways to apply:

Online button By phone button In branch button

Not A Member?

If you’re not currently a member of South Carolina Federal Credit Union, you can still apply for a loan and qualify for membership. Want to learn more about joining the credit union? Learn more

Member Tips

When applying for a loan, don't forget to ask about extra ways to protect yourself with insurance and warranty options.

GAP Insurance

Guaranteed Asset Protection pays the difference between the vehicle’s actual value and the loan payoff amount. New or used cars, trucks, SUVs and motorcycles are eligible.


Original purchase price  $25,000
Loan balance after total loss  $20,000
Current value*  $16,000
Amount you still owe on loan  $4,000
Amount GAP would pay $4,000
Amount you owe with GAP Coverage $0

*this amount is determined by your insurance company

Mechanical Warranty

Members have access to extra mechanical warranty protections, such as:

  • Rental vehicle assistance
  • Paintless Dent Repair
  • Nationwide Coverage

Get a no obligation mechanical warranty quote.

Credit Life & Disability

Coping with an unexpected disability or death can be emotionally and physically stressful for your family. Struggling to make loan payments on a reduced income is another heavy burden your family shouldn’t have to bear. Ask your branch representative about adding protection to your loan.

 * Annual Percentage Rate (APR) accurate as of 3/1/2015. Your actual rate will depend on your creditworthiness, term and collateral.

Online Banking

A South Carolina Federal Credit Union representative will assist you in the process. To enroll, please visit one of our financial centers or call our Contact Center:

  • 843.797.8300  (Charleston)
  • 803.738.8300  (Columbia)
  • 843.545.8300  (Georgetown)
  • 800.845.0432  (Nationwide)

Forgot your User ID?

Please call our Contact Center for assistance:

  • 843.797.8300  (Charleston)
  • 803.738.8300  (Columbia)
  • 843.545.8300  (Georgetown)
  • 800.845.0432  (Nationwide)