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.

Loan Protection

Protecting yourself and your loans is easy and affordable. Ensure your SCU loans can be paid if something unexpected happens. Standard long-term disability insurance only covers a portion of your income. With our disability and credit life insurance plans, you are protected against having to use your reduced income to make loan payments.

Disability Insurance

Covers your loan payments up to the maximum coverage limits should you become totally disabled due to sickness or injury while insured.

Credit Life Insurance

Pays off or reduces your outstanding loan balance up to the coverage limit to protect your loved ones after you're gone.

Get More Information

Contact a loan officer at 800-868-8740, ext. 8760, for details 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.

Request Military Adjusted Interest Rate

Service Members Civil Relief Act Notification Form
Complete the form and email to collect@scscu.com. 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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