SHARE SAVINGS
Your share savings account represents your membership in the credit union. Your share savings are insured up to $100,000 by NCUA. SCIFCU also provides up to $3,000 life insurance on your savings.
SHARE CHECKING
SCIFCU truly offers “FREE” checking! NO MINIMUM BALANCE, NO SERVICE CHARGE, and NO MONTHLY FEES. At SCIFCU 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:
Direct Deposit of your NET pay from Smurfit Stone Container
Direct Deposit from outside employers and government agencies.
OVERDRAFT PROTECTION
We offer Overdraft Protection on your checking account in two ways:
From you savings account or other owned account(s).
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.
SHARE CERTIFICATES
SCIFCU 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.
LOANSSCIFCU 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 very competitive prices on Credit Disability and Credit Life Insurance on loans through CUNA Mutual Insurance Group. Certain age restrictions apply as well as term and coverage limitations. Please contact your credit union for details.
$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.
FREE LIFE SAVINGS INSURANCE
Your credit union provides you with life savings insurance on each primary member’s regular share account, matching your funds in this account up to $3,000.00. Certain age restrictions apply. This is a benefit of membership in SCI Federal Credit Union. Contact your credit union for details.
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. I also will pay you $1,000.00 on your replacement vehicle when you finance it with us. (Autos and trucks only) If you finance over 80% of the retail value of your vehicle, this is for you! SCI FCU charges as little as $130.00 for GAP, where many car dealers charge $500.00 to $700.00 for the same product!
