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S. C. State

P.O. Box 726, Columbia, SC 29202
NCUA Insured3.9 (49 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 726

Columbia, SC 29202

Service Area

This credit union is located in Columbia and serves members in the SC area. Currently serving 93,958 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.26%

Used Auto Loan

7.30%

Personal Loan

14.93%

Credit Card APR

10.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in SC

Lowest rates currently reported by credit unions in SC (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(19 total)

Member Reviews

3.9

49 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Alexis Dula

Alexis Dula

7 months ago

I had a wonderful experience at this particular location! I was visiting from out of town, so this wasn’t my usual spot. However, everyone was so welcoming and helpful! Patricia went above and beyond to handle all of my issues and requests. She was professional, friendly, and truly outstanding. She met all of my needs and even took the extra time to explain all the rewards and benefits I had earned over the years — something no one had ever shared with me before! Her kindness, attention to detail, and genuine care made me feel like a valued customer. Patricia was awesome, and I highly recommend her for all your needs!

Cameron Obioha

Cameron Obioha

5 months ago

At a time when I was ready to make my first big investment, I knew that I needed a professional that was confident, competent, and prepared. Thankfully, Ms. Pressley swooped right in, and was everything I needed and more. She provides great counsel and works swiftly, which allowed me to move through the process without any delay. Our meetings told me right away that I was going to benefit from years of industry knowledge and expertise, but it wouldn't take me long to understand that Ms. Pressley's superpower is conveying all of the financial jargon into its simplest terms. She does this with ease. I can't begin to thank her enough for her advice and guidance. She made the difference.

Jodi Cantrell

Jodi Cantrell

8 months ago

I live in Spartanburg and my daughter goes to school in Columbia . We are members of the credit union . My daughter came in and talked with Tomeka and she went above and beyond to help her . Not only did she help her get her first credit card she also helped her to get her first brand new car . A lot of times people will look at someone young and not want to help . It’s so hard to find sincere people who truly want to help others . We will def come in and let her help us again . Thank you so much for everything !!!!

C G

C G

a year ago

I have always had excellent service at this location. Not today. I took my lunch break to go and resolve an issue with my card. I sat in the lobby for at least 15 minutes, being acknowledged by no one other than the security guard. There were two employees clearly on lunch themselves as they talked and laughed in one of the offices with the door open. I don't think customer service folks should be allowed to take a lunch break at 12:00 as that is a time when others are on lunch and can run errands to get things done. I was very surprised that the other lady did not at least acknowledge my presence as she has always been wonderful in the past. I got tired of waiting and left. I like to deal with a person face to face. But I guess I will have to resort to calling the customer service number instead.

Ebony Smith

Ebony Smith

a year ago

The security guard at the front could demonstrate more customer service than he does..I can tell there’s a sense of disdain for his working environment nearing 5:00PM - I think he would be a lot happier if his shift ended an hour before closing. I work until 4:30PM each day; therefore, I try to get there when I can. For the second time in a row, he’s pressing me about the time. I walked in at 4:56p to retrieve my license (that was left from the previous week) and he proceeds to tell me “it’s getting late..a license???” as if it was an absurd reason to be visiting the bank. It took me approximately 30 SECONDS to get my license from the loan officer I was working with last Friday. As I proceeded to walk out & held my license up (for proof), he’s questioning me - “How do you leave a license here..how can someone take your license??” when I explained I was working on a loan and it wasn’t given back during the time. I would give this location a 1 star; however, due to Nikole’s (loan officer) warm personality and exemplary customer service, I’ll give my experience more stars. Due to security at the front, I will most likely opt to visit another location for future service.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).