About Us


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South Carolina Federal exists solely to serve our members, not stockholders.
That means every dollar you invest in South Carolina Federal is reinvested in you.

South Carolina Federal Credit Union offers a full range of financial services including savings and investments, checking, credit cards and loans. We offer a personable environment, with convenience unsurpassed in our area. Our team's entire focus is on personally providing the products, services, tools and forward thinking that allow members to focus on making their lives more satisfying.

Credit union membership is ownership. We are not-for-profit and exist only for the financial benefit of our membership. As a result, South Carolina Federal is able to pay competitive dividends on savings and offer attractive interest rates on loans. Find out the Credit Union Difference.

As a federally chartered credit union, organized under strict regulatory laws, our operations are monitored and enforced by the National Credit Union Administration, an agency of the U.S. Government. Your deposits are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA). For more information on share insurance, click here.

State-of-the Art Security

Better Than Bank Rates

24 Hours

Access your account 24/7

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View the awards South Carolina Federal has won.
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  • 1936 - Chartered as Charleston Navy Yard Employees Federal Credit Union
  • 1960 - Changed name to Charleston Naval Shipyard (CNS) Federal Credit Union when membership was expanded to Navy personnel in the Navy Yard
  • 1965 - Opened at the Shipyard, becoming the first credit union in the state with our own facility
  • 1969 - Opened Naval Station branch
  • 1974 - Only credit union in South Carolina providing monthly statements and processing transactions with same-day receipts
  • 1979 - Opened a 5-story operations building at 2175 Credit Union Lane, in North Charleston
  • 1981 - Opened our first ATM. By 1984 there were 14 ATMs throughout the area
  • 1984 - Expanded credit union services to Columbia
  • 1989 - Hurricane Hugo disrupted the lives of many members, the credit union forgave $83,000 in returned check fees and another $46,000 in service charges to assist those members in time of need
  • 1994 - Changed name to South Carolina Federal Credit Union to better represent service area
  • 1997 - Expanded credit union services to Georgetown
  • 2000 - Online Banking available to members free of charge
  • 2004 - Reached 1 billion dollars in assets
  • 2004 - Opened Southampton to expand Mount Pleasant area service
  • 2007 - Launched financial services solutions for businesses
  • 2007 - Named one of the Best Places to Work in South Carolina for the first time
  • 2009 - Opened new state-of-the-art operations center at 6265 Rivers Avenue, North Charleston
  • 2010 - Introduction of the South Carolina Federal Credit Union scholarship
  • 2011 -  Opened Glenn McConnell financial center to expand West Ashley area service
  • 2012 - Beginning of the South Carolina Federal Foundation to streamline employee charitable giving
  • 2013 - South Carolina Federal named "Best Financial Institution" by Charleston City Paper
  • 2015 - Launched Bank at Work, an onsite-banking program for participating employers
  • 2016 - Celebrated the credit union's 80th Anniversary
  • 2016 - Reached 1.5 billion dollars in assets
  • 2017 - Expansion to the Florence area began with two new financial centers
  • 2018 - Expanded scholarship awards to $50,000 and included technical as well as traditional universities
  • 2019 - Expanded credit union services to Spartanburg and Lexington
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Board of Directors

South Carolina Federal Credit Union is governed by a Board of Directors that establishes and reviews policy. Directors are credit union members, elected by the membership and serve without pay, each with one vote.

  • Richard I. Buckner | Board Chairman
  • J. Ralph Cathey | Vice Chairman
  • Joseph E. Bolchoz, Jr., CCUV | Secretary
  • Mary L. Whited, CPA | Treasurer
  • Brigadier General J. Emory Mace (Ret.) | Member
  • Colonel Kelvin L. Brown | Member
  • George H. Shaver | Member

Correspondence with the Board of Directors may be sent to:
South Carolina Federal Credit Union Board of Directors
Suite 501 P.O. Box 190012
North Charleston, SC 29419-9012

Supervisory Committee

The South Carolina Federal Supervisory Committee is responsible for determining that the credit union’s financial condition is accurately and fairly presented in our financial statements and that management procedures and practices are adequate to safeguard members' assets. The Committee is responsible for overseeing the credit union’s internal control systems and contracting for financial and specialty audits with the help of our internal auditors and our annual independent financial statement audit.

  • Captain R. Patrick Flynn, Esquire | Chairman
  • Michelle Kelley, Esquire | Vice Chairman
  • Matthew Alexander | Secretary
  • Representative Joseph S. Daning | Member
  • Joseph E. Bolchoz, Jr., CCUVBoard Liaison

Correspondence with the Supervisory Committee may be sent in confidence to:
South Carolina Federal Credit Union Supervisory Committee
P.O. Box 60935
North Charleston, SC 29419-0935

Volunteer Advisors

Volunteer Advisors contribute to decisions that determine credit union progress. In this role, advisors focus on the credit union philosophy and operations. They attend monthly board meetings and contribute on appointed committees.

  • Robert E. Bendetti, Jr., CPA
  • Lieutenant Colonel Robert Spafford, CCUV


South Carolina Federal’s management team is charged with the leadership of daily operations and decisions that keep our credit union on a sound strategy to reach our financial goals and membership mission. Our executive team focuses its considerable experience and expertise on finding ways to simplify the lives of our members by staying one step ahead.

  • Scott Woods, CPA, CIA, MBA | President and CEO
  • Trey Gantt, MBA | Chief Operations Officer
  • Joe Grech, CPA, CCUE, MBA | Chief Financial Officer
  • Troy Hall, Ph.D. | Chief Strategy Officer
  • Brad Williams | Chief Technology Officer
  • Bonnie Karst Ciuffo, CPA, CIA | President South Carolina Financial Solutions, LLC 
  • Beth Jaskiewicz, CME | Consulting Senior Vice President, Marketing
  • Leslie Norris, SPHR | Senior Vice President, Human Resources
  • Margaret V. Miller, CFSA, CBM | Senior Vice President, Audit Services
  • Kevin Kosco | Senior Vice President, Retail Sales and Service
  • David Dulaney | Senior Vice President, Lending Services