Friendly, affordable financing for life's big moments, major purchases, and more.

Car, truck, or SUV. New or used vehicle. Whatever you drive, our affordable financing can get you rolling on the road.

  • Flexible payment terms.
  • Refinancing available.

Whether you are buying your dream home or borrowing money to spruce up your current place, our experienced lenders are always ready to help our neighbors.

  • Fixed-rate and adjustable-rate mortgages.
  • Home equity loans and home equity lines of credit.

Cast a fishing line, sail into the sunset, skim across the lake at wind-whipping speed. Almost nothing frees the spirit more than a day on the water.

  • Financing for watercraft of all types.
  • Quick pre-qualification.

Get cash to cover unexpected expenses or do something special. Our Personal Loans come with the personal service you expect from South Carolina Federal Credit Union.

  • Secured and personal loans.
  • Flexible repayment plans.

Motor homes, motorcycles and travel trailers. If it has wheels and adds some zip to your life, we can provide financing that makes it affordable.

  • Competitive rates.
  • Flexible payment terms.
What our members say
I've been a member for 40 years and have always been happy with their service!

Loan was quick and painless.
Read More of this testimonial
- Bill B., Ron A.
My experience with South Carolina Federal Credit Union has been exceptional. They are efficient in executing all business transactions. 
- Linda R.
Make informed financial decisions with helpful resources.
asked questions
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Credit Card Payments Only
South Carolina Federal Credit Union
P.O. Box 2711
Omaha, NE 68103-2711

First Mortgage Payments Only
South Carolina Federal Credit Union
P.O. Box 371306
Pittsburgh, PA 15250-7306

Loan Payments
South Carolina Federal Credit Union
P.O. Box 62349
North Charleston, SC 29419-2349

Overnight Loan Payments
South Carolina Federal Credit Union
6265 Rivers Avenue
North Charleston, SC 29406

A payoff quote is available for all loans and will include accrued interest and the daily per diem.
To obtain today's payoff or a 10 business day payoff quote for auto, boat, recreational vehicle, credit cards, or personal loans, visit a financial center or contact us. Any overage of your payoff will be deposited into your savings account or returned to you in an overpayment check.

For first mortgages, please contact Dovenmuehle at (877) 636-9534.

For second mortgages/HELOCs, please visit a financial center or fax your payoff request to our Fulfillment Operations Team at (843) 737-7400. The request must include:

  • Member name
  • Member Social Security number
  • Account number
  • Payoff (good through) date
  • Return fax number
  • Copy of a signed authorization of release form from member requesting this information.

Once payoff is given, Second Mortgage/HELOC will be locked and no advances can be taken.

If you would like to make short term payment arrangements, you may also contact our Loss Prevention Team at (843) 569-5045 or (800) 845-0349.

Titles are released once the loan balance is satisfied.

For loans paid off by certified funds (cashier’s check, cash, or money order), the title will be mailed within 48 business hours of receiving the release form if you request one when you pay off your loan.

Otherwise, your title will be mailed to you within 10 business days.

Our loans are calculated with simple interest, the calculation of daily accrued interest on your principal loan balance.

Simple interest is calculated and assessed by multiplying the account’s current principal amount (and only the principal) by the interest rate. But as you pay down your principal with each monthly on-time payment, that principal decreases, lessening the interest assessed. If you pay more than the minimum required payment, the principal will decrease even more.
For example, a $25,000 loan at a 7% interest rate would be calculated using the formula (Principal Balance x rate)/ 365 days:

  • $25,000 x 7% = $1,750
  • $1,750/365 days = $4.80 per day
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