COVID Update

Jul 3, 2020

July 3, 2020:  Changes effective Tuesday, July 7.

Beginning Tuesday, July 7, face masks and social distancing will be required for anyone entering an SCU branch. We will also offer temperature screenings to everyone entering our facilities.

Members will be asked to temporarily remove masks for standard identification purposes before completing any transactions.  If you feel you cannot remove your mask for identification in the branch, or if you are experiencing symptoms of an illness, you may use our drive thru or our other self-service options such as online banking or our mobile banking app.

We thank you for your understanding while we seek to address both health and safety risks, and as always, we thank you for being a State Credit Union member!

June 3, 2020:  Special Message to our members from Jim Kinard, President:

Who among us, on March 1, 2020, could have imagined how a thing we now call COVID-19 would have such a profound effect on our world?   It has impacted simple things such as shopping for toiletries to our schools, our eating habits, our social interaction and the way we conduct our business.  We have had to adjust to what we now call our “new normal”. 

Our credit union has had to adjust to many changes as well.  On March 23rd, for the safety of our members and employees, we closed all of our lobbies and expanded service through our drive-thru s, phone center, mobile app and online banking systems.  During that time, our most important priority has remained the safety and health of our members and employees as we strive to improve the financial lives of our members. 

Beginning June 3rd, branch lobbies are open to personally serve you once again.  However, when you enter our lobbies, you will notice that we have put in place several health and safety measures to reduce the spread of germs.  First, we will stress social distancing and will have instructional signage in place to assist you.    We have installed plexi-glass safety guards at our teller windows and in our offices, which will help reduce the risk during face-to-face interactions.  Third, our employees will have their temperature taken before the start of each workday to ensure we maintain a healthy workplace. We will continue to deep clean and sanitize our workstations and offices regularly.  Lastly, all our employees have been provided with masks and will be highly encouraged to wear them when in close contact with others.

In addition, this situation has brought about changes to Traditional and Roth IRAs.  I encourage members to review the following documents if you have these types of retirement accounts:

Thank you for being LOYAL SCU members and for your understanding and patience as we work through this “new normal” to serve you.

Since 1952, we have been through many trials and tribulations and we will get through this one as well…TOGETHER.

Be Safe.

Jim Kinard - President / CEO





Accessing your account beginning March 23, 2020.   In an effort to keep our members and employees safe, our lobbies will be closed effective Monday, March 23. You may still use our drive-thru and if you have banking business that needs to be conducted inside, you may schedule an appointment via secure email on our Contact pagePlease only visit a branch in person if it is an absolute necessity.  Most transactions such as check deposits, viewing your balances, paying bills and cash withdrawals can easily be accomplished without visiting a branch.  Click here for online and mobile banking information.  For a list of ATMs, click here.  You may also get cash back when using a debit card at retail locations such as grocery stores.

Coronavirus-related scams. The IRS has issued a warning about current scams related to the economic stimulus payments many people will soon receive.  Scammers are using several familiar-sounding words such as "stimulus check" and "stimulus payment".  They then ask taxpayers to sign over their check to them and ask victims to verify their personal information via phone, email, text messages or social media to speed up their payment.  Remain vigilant and if you have any questions about your stimulus payment, refer to the IRS's web page on the stimulus payments here.

Assistance options.  If the Coronavirus has negatively impacted your family, State Credit Union has two options to assist you: Payment Deferment and Hardship Loan.

Payment Deferment

  • If you are past due on an SCU loan, you may call our Loan Adjustments Department at 800-868-8740 ext. 8110.
  • If you are current on your SCU loans, but would like to apply for a deferment, send an email to for each loan and credit card you would like a deferment for, along with the loan type and enter "Deferment Request" in each subject line. In the body of the email, please list the last 4 digits of your loan number, your full name and address, details of the hardship, and indicate if you would like a 1, 2 or 3 month deferment*, then click "Send."  Do not include your full social security number or member number in any email.  
  • Allow at least 5 working days for your request to be reviewed.

Hardship Loan

  • Maximum loan amount is $3,500**
  • Low interest rate
  • No application fee
  • First payment due up to 90 days from the date of the loan
  • Use for living expenses or emergencies
  • Apply online at

Other options are also available. If you don't need the funds now, but want to have them available in case of an emergency, try our Overdraft Protection Line of Credit (if you have an SCU checking account), or our Personal Line of Credit.

In addition, from now through April 17, 2020, fees for external loan payments made by phone will be refunded.

*Interest will continue to accrue for the deferment period.  **Limited to one loan per member and is subject to credit worthiness. Maximum term of 2 years from the date of application. 8.99% annual percentage rate. Rates, conditions and programs subject to change without notice.

Other steps we have taken to protect our members and employees.  In addition to our normal daily cleaning routines, surfaces such as desks, counter tops and door knobs are being disinfected several times per day.  Employees have been provided hand sanitizer and have been asked to frequently wash their hands.  We have cancelled and / or postponed community events and are practicing the recommended social distancing until we navigate through this situation.

We encourage you to remain vigilant and stay abreast of the latest information through the Centers for Disease Control website.

As always, we thank you for being a State Credit Union member.


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