Loans & Credit

A full set of options at low rates.

Loan Calculator

Estimate your monthly payment, based on the size of your loan and how long it will take to repay.

This loan calculator is meant to give you a payment estimate only. It does not imply an offer from S.C. State Federal Credit Union. If you have questions about a loan, please contact us.

Your loans are protected.

Credit Life & Disability

Credit Life and Credit Disability insurance pays your SCU loan in the event something unexpected happens to you. Because standard long-term disability insurances only cover a portion of your income, Credit Life and Disability ensures that you don't have to use your reduced income to make payments to your loan.

MEMBER'S CHOICE Disability makes your loan payments, up to the maximum coverage limits, should you become totally disabled due to sickness or injury while insured.

MEMBER'S CHOICE Life pays off or reduces your outstanding loan balance up to the coverage limit to protect your loved ones after you’re gone.

With Credit Life and Credit Disability coverage, protecting yourself and your credit is easy and affordable. Contact a loan officer for more information and rates.

Loan Adjustments for Active Duty Military

If you have been mobilized in the United States Armed Forces, you’re entitled to an adjusted 6% interest rate on your loan or Visa account under the Service Members Civil Relief Act.

Complete the Service Members Civil Relief Act Notification Form (PDF).
Email to or fax to (803) 454-8042.

Mailing Address:
State Credit Union
Attn: Loan Adjustment Services
Post Office Box 726
Columbia, SC 29202

Payment Protection is Credit Life and Disability Insurance and is underwritten by CUNA Mutual in the state of Wisconsin. Coverage is voluntary and is recommended to fill gaps in your existing insurance coverage. You may purchase either disability or life insurance products separately or together, and have a 30-day free look period during which you may cancel coverage and receive a full refund of your premium. Exclusions, limitations, and terms of availability apply to this coverage. For cost and complete details, please contact your loan officer.

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