About Us

Every dollar you invest in South Carolina Federal Credit Union is reinvested in you.
We serve and answer to you and other members, not stockholders.
Find all the accounts and services you need to reach your financial goals.
Better rates
Our member-owned status means you benefit from rates structured to help you.
Federally chartered
The National Credit Union Administration insures deposits up to $250,000.
What you should know about us is that we are all about you.

Every decision we make and action we take focuses on the best interests of our member-owners. That is the essence of how we do business at South Carolina Federal Credit Union. Everything follows that philosophy, which means your experience with us will be refreshingly different. Your goals are our priority.

Membership & Benefits

Becoming a member is a simple process based on a few eligibility standards. Once you join, a world of benefits opens up to you.

The Credit Union Difference

When it comes to managing your finances, there are distinct differences between our credit union and other institutions.

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.

  • Brigadier General J. Emory Mace, USA-Ret. | Chairman
  • Colonel Kelvin L. Brown | Vice Chairman
  • Joseph E. Bolchoz, Jr., NCVE | Secretary
  • Mary L. Whited, CPA | Treasurer
  • Richard I. Buckner | Member
  • J. Ralph Cathey | Member
  • Joseph S. Daning | 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

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, USN-Ret., Esquire | Chairman
  • Robert E. Bendetti, Jr., CPA | Vice Chairman
  • Colonel Robert Spafford | Secretary
  • Matthew Alexander | Member
  • Joseph S. Daning | Board 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 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.

  • Michelle Kelley, Esquire
  • Kevin Eichelberger
  • Colonel Linda J. Riedel

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; President of ​South Carolina Financial Solutions, LLC
  • Brad Williams | Chief Technology Officer
  • Kristy Vasquez | Senior Vice President, Marketing
  • Leslie Norris, SPHR, SHRM-SCP | Chief Human Resources Officer
  • Nikki Thompson, MBA, CFSA, CCUIA | Senior Vice President, Audit Services
  • Kevin Kosco | Senior Vice President, Retail Sales and Service
  • David Dulaney | Senior Vice President, Lending Services
  • 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 First credit union in the state with our own facility at the Shipyard in North Charleston.
  • 1974 Only credit union in South Carolina providing monthly statements and processing transactions with same-day receipts.
  • 1976 Opened our second branch, Naval Weapons Station, at the corner of Redbank and Jefferson.
  • 1979 Opened a 5-story headquarters and operations building at 2175 Credit Union Lane, North Charleston.
  • 1981 Opened our first ATM. By 1984 there were 14 SC Federal ATMs throughout the Charleston 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 Established new Online Banking available to members free of charge.
  • 2004 Reached $1 billion in assets.
  • 2004 Expanded Mount Pleasant area service to two financial centers.
  • 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 Expanded West Ashley area service with a new financial center.
  • 2012 Beginning of the South Carolina Federal Foundation to streamline employee charitable giving.
  • 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 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.
  • 2020 Reached $2 billion in assets.
  • 2021 Celebrated the credit union's 85th Anniversary.
  • 2022 Expanded credit union services to Greenville.
  • 2023 Expanded credit union services to Myrtle Beach.
Membership & Benefits
With better rates and fees, personalized service, convenient banking solutions, and more, there's a lot to love about being a member-owner.