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SHARE SAVINGS
Your share savings account represents your membership in the credit union.  There is a $25.00 minimum share account balnace required to be a member of SCI FCU.
 
SHARE CHECKING
SCIFCU truly offers “FREE” checking!  NO MINIMUM BALANCE, NO SERVICE CHARGE, and NO MONTHLY FEES.  At SCI FCU we even pay you dividends on a quarterly basis.
 
DIRECT DEPOSIT
Direct Deposit is easy, fast and convenient.
There are two forms of Direct Deposit:
  1. Direct Deposit of your NET pay from WestRock
  2. Direct Deposit from outside employers and government agencies.
OVERDRAFT PROTECTION
We offer Overdraft Protection on your checking account in two ways:
  1. From you savings account or other owned account(s).
  2. Overdraft Protection Line of Credit Loan. (Up to $1,500.00) (Credit restrictions apply)
ATM / VISA CHECK CARDS
For qualified members with checking accounts, this is one of our most popular products.  There are no fees imposed by SCI FCU for this card that works both as an ATM card and a debit card!  There are also several ATM’s in the Florence area that are surcharge free.  Contact the credit union for a list of these.
 
VISA PLATINUM CREDIT CARDS
Ask our Staff about our competitive Rates and Low Fee Credit Cards.
 
SHARE CERTIFICATES
SCI FCU offers competitive rates on Share Certificates.  You may invest as little as $100 and watch your investment grow.
 
INDIVIDUAL RETIREMENT ACCOUNT (IRA)
A comfortable retirement begins with a sound plan.  With an IRA you can join the many Americans that save for a secure tomorrow.  SCI FCU offers Traditional, Roth, and Coverdell ESA (Education) IRA Share Accounts.  Stop in today and let us help you plan a financially secure future.
 
LOANS
SCIFCU offers a variety of loans.  Any member, 18 years or older may apply.  So the next time you need a loan, consider borrowing from YOUR credit union.  See our Rates page for details on our loan offerings.
 
CREDIT DISABILITY AND CREDIT LIFE INSURANCE
SCI FCU offers Credit Disability and Credit Life Insurance on loans through CMFG Life Insurance Company. 
 
$1,000.00 FREE ACCIDENT INSURANCE FOR ALL MEMBERS
As an eligible member of the Credit Union you are entitled to receive $1,000.00 of 24-hour Accidental Death and Dismemberment Insurance simply by completing and mailing an enrollment form. There is NO COST to you! The credit union pays the premiums. It’s just one of the many benefits of credit union memberships.  You also have the option of purchasing more coverage at a very low cost!
 
Important! Your completed form must be on file in order for a Certificate of Insurance to issued in your name. Please call the credit union at (843) 669-3712 for an enrollment form.
 
GUARANTEED AUTO PROTECTION COVERAGE  (GAP)
We offer GAP for vehicle loans that protects you against loss in the event your vehicle is totaled or stolen.  It fills the “GAP” between what you owe and what your auto insurance policy will pay you.  Any vehicle you have insured will also pay up to $500.00 for a reimbursement on your deductible for minor accidents.  It also will pay you $1,000.00 on your replacement vehicle when you finance it with us in the event the primary covered vehicle is totaled where a GAP clam was filed.  (Autos and trucks only)  SCI FCU charges as little as $350.00 for GAP, where many car dealers charge $600.00 to $700.00 for a lesser product!
 

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