Protecting Your Financial Future    

Whether it be purchasing a new vehicle or planning that dream vacation, taking out a loan with your credit union is the perfect way to improve your families standard of living.  But what would happen if you were to become disabled or suffer from an illness?  What would happen to your families standard of living then?  Help protect your family by purchasing payment protection for all  your loans at the credit union.  Most people think they have enough disability insurance to cover their monthly expenses, but did you know that most disability policies are only, on average, 60% of your current monthly income?    Could you and your family maintain your current standard of living with a 40% pay decrease? 

There's never been a better time for credit union members to Invest in America.  That's why credit union have teamed up with U.S. Automakers to offer members great discounts on new American-made vehicles. All eligible current and new credit union members have the unique opportunity to get a great discount on a new vehicle from either GM or Chrysler.  While the discounts vary depending on which vehicle you choose, everyone will drive away with a great deal. The deal gets even better when you finance your vehicle with us.  Thanks to our lower interest rates, your savings will really add up.  Click on the banner above to learn more.

SC MembersFirst FCU Visa Cards Put Your Mind At Ease

As most of those "bigger banks" are increasing interest rates on their Visa Credit Cards, rest assured, we are not. SC MembersFirst FCU Visa Credit Cards are still at our low rate of just 10.95%.  You can transfer the balance of those higher interest rate cards and save money in the process.  Our cards offer no balance transfer fees or annual fees.  Contact a Member Service Representative today for more details.

That's where payment protection comes into the picture.  For just pennies a day you could protect your families future in the event of a disabling injury or even death. If you're out of work for 30 days or more with a disability or injury you wouldn't have the burden of  making your monthly payment to the credit union.  Payment Protection is also designed to cover the remaining insurable balance of your loan in the event of your death.  Your family wouldn't have the responsibility of that payment when one or all of their income is lost.  Contact a loan officer today to make sure you and your families futures are protected. 

Try Our Free Financial Fitness Program

BALANCE is available to you at no cost for being an SC MembersFirst FCU member.  They will provide you with a counselor who will provide you with money management assistance.  Balance counselors negotiate with creditors to reduce interest rates and fees which will allow you to pay your debt quickly and efficiently.

Overdraft Protection Loans

Don't get caught with a non-sufficient funds fee.  Apply for overdraft protection.  This unique loan is there only in the event that you need it.  We know people can make addition errors when balancing their checkbooks.  This loan was designed for exactly that reason.  Don't have quite enough funds in your account to cover a check that you wrote.  Don't worry, Overdraft Protection Loans will transfer into your checking account the exact amount you need to cover the check.  No more worrying about those NSF fee's, you know your covered.

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Courtesy Pay is the Smart Way

When you're busy it's easy to lose track of your checking account balance.  SC MembersFirst FCU Courtesy Pay Program will save you the embarrassment and inconvenience of a returned check as well as the fee merchants normally charge for checks returned to them.  If you qualify, we will cover you up to a certain amount if for some reason  your account goes in the red.  This service kicks in after you use your overdraft protection.  You'll pay a fee of $29, but it will be a lot less than the fees you would have accumulated without this protection.  For more information about Courtesy Pay contact a Member Service Representative at any of our three branches.