Owners’ Manual

Your Membership Guide

Thank you for the trust you placed in SCCU and giving us the opportunity to help you with your financial needs. We take seriously our responsibility to protect your interests during life’s moments when you need a trusted financial partner.

SCCU is much more than a loan or a place to keep your checking account. We’re a financial cooperative that exists solely to serve member owners, like you. You may not be in need of all of our services today, but as you go through life you will have changing financial needs, and we will be there every step of the way.

There is a wealth of information available on our website, this owner’s manual can help you get started with SCCU so you can enjoy all of the benefits membership has to offer!

Download Your Owners' Manual

Your life. Your financial watchdog.

Explore all that SCCU has to offer by clicking on one of the categories below:

Banking
Personal Loans
Other Services

History & Timeline

Service Charges

What is a Credit Union?

Get the most out of your membership.

Banking when and where you want it - online, mobile and in person.

ENROLL IN ONLINE BANKING . Access your accounts online at your convenience. Easily monitor accounts, transfer funds, and pay bills and other people. Enroll at SCCU.com.
GO PAPERLESS! Choose e-Statements over mailed paper statements, offering greater convenience and security benefits—which means less worry for you!
SET UP PAYMENTS . Conveniently pay your loans using online banking or our mobile app. You can transfer money from your SCCU savings or checking account to pay your loan all in one place. You can also set up external payments from a checking account at another financial institution, or pay your loan with a debit card over the phone. Recurring loan payments offer added convenience by automatically paying your loan, ensuring you will never be late.

DOWNLOAD OUR MOBILE APP . Manage your accounts from the palm of your hand anytime, anywhere with our mobile banking app available for Android and Apple! You can quickly check balances, transfer money, pay other people, make payments, and deposit checks with your camera phone!
SIGN UP FOR FREE ACCOUNT ALERTS . From transaction activity to low balance notifications, you can set up custom e-alerts in online banking to help manage your accounts and monitor transactions to quickly detect potential fraud.
ENROLL IN DIRECT DEPOSIT . Enjoy the safety and convenience of having your paycheck automatically deposited. You’ll receive your check sooner, and you can skip the trip to the branch.

Banking Products

Save time and make better decisions with these helpful tools and tips.

Checking Accounts

A checking account is an account for your everyday expenses. You need it to deposit your income, shop, and make payments. We offer different checking accounts to meet members’ varying needs.

Help with existing checking account

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Digital Banking

Conveniently access your accounts online anytime, from anywhere using your computer, tablet or mobile phone. SCCU’s online banking solutions puts you in control, so you can monitor your accounts 24/7, easily transfer funds, pay bills and other people, and deposit checks with your mobile phone.

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Savings Accounts

Whether you want to save for a specific purchase, create a rainy day fund, or put something away for the future, we can help you put a savings plan into action. Our savings choices offer a variety of ways to earn on your deposits, and access your money when you need it.

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Credit Cards

SCCU credit cards provide you with the purchasing power you desire, with low rates and security. As your Watchdog you don’t need to worry about hidden surprises like excessive default rates, over the limit charges, or other sneaky fees like some cards have.

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Personal Loans

Save time and make better decisions with these helpful tools and tips.

Auto Loans

When it’s time to buy a new car, refinance your existing auto loan, or set out on an adventure in an RV or boat, SCCU’s Auto and RV Loans will get you moving! We offer fast approval decisions and low rates so you can drive away with a great deal and a comfortable monthly payment!

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Home Loans

We help our members realize the dream of home ownership, and get them into their dream home! Our home loans are as varied as our members, with conventional and fixed-rate terms, FHA, Condo, VA, jumbo financing for larger purchases, construction loans to build, and loans secured by the equity you’ve earned.

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Signature Loans

Sometimes, life throws you a curve. SCCU signature loans may be just what you need to get through that short-term setback.

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Other Services

Save time and make better decisions with these helpful tools and tips.

Insurance

In addition to advice and planning assistance, SCCU offers cost-effective, comprehensive protection and proven insurance products. We protect our members by diligently watching for products that protect your investments and the ones who matter most to you.

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Business Services

To ensure that your business runs smoothly and efficiently, you need a business partner that works as hard as you do! Experience tells us that our business members place top priority on two things: easy management of their accounts, and quick access to their funds.

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