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Personal Loans

Learn more below, apply here.

If you're not buying a vehicle or a a home, you may be in the market for a personal loan.


Savings and Certificate Secured Loans
Your loan approval is a lock when you use your savings or SCU certificate as security.  You don't need to close your account and you have the advantage of very low rates.

Overdraft Protection Lines of Credit
An overdraft line of credit up to $5,000 protects your SCU checking account from overdrafts or can provide funds for any purpose.  Just write a check to access your line or transfer funds online from your line of credit to your checking account.

Personal Loans
Use a line of credit or a loan up to a maximum of $10,000 for the things you need.

Personal Loan Rates--Click Here to Apply Online06-13-2012
Loan Type Details APR1
Certificate-Secured LoansRates may not exceed 18% APR nor be less
than the savings-secured loan rate.
Rate of certificate
+ 3%
Savings-Secured LoansRegular Savings rate
+ 3%
Other Secured Loans (computers, furniture,
appliances, motorcycles, etc.)
New8.35% - 16.35%
Other Secured LoansUsed (titled collateral only)9.35% - 17.35%
Personal Loans10.44% - 17.94%
State Retirement Personal Loan8.44% - 15.94%
Overdraft Line of CreditRequires SCU checking account10.44% - 17.94%
1Subject to term, credit worthiness and member's credit union relationship. (The .99% APR and 1.99% APR referenced above are for a 36 month term or less.) Rates, conditions and programs are subject to change without notice.

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SC State Credit Union 800-868-8740 | 803-343-0300