SC State Federal Credit Union

SCAMMERS! I was forced to open a checking and savings account to get a car loan. After my loan was paid off, they took money from my savings as an "inactivity fee" until I had a zero balance.

I've used South Carolina State Federal Credit Union for many years. Today I had a need to call for help and my call was answered by Aliyah Robinson. She is wonderful, so knowledgeable, very kind, and helpful. I truly appreciate good customer service and I consider the customer service I received today as excellent!!! Thank you SCSFCU for hiring representatives like Aliyah to help me when I call. CE Stephens

I honestly wish I could give a negative rating. This bank was awful and severely lacking behind on technology. There are barely any options to deposit into ATMs, there is no option to add your debit card to a mobile wallet, nor do they have contactless cards, and the mobile deposit feature was always unavailable for me. The fees are ridiculous, $10 for a new debit card, $35 if your card is declined, and outrageous fees for using ATM's that aren't theirs. I was charged for using a Co-op ATM, which they partner in, whereas no other bank has ever charged a fee for using a partner ATM. Finally, they pulled my credit for opening a basic checking account and didn't even tell me, causing a decline on my credit score. I didn't even find out until 3 months after I opened the account. I left them for another Credit Union after a month and haven't looked back. This bank is an absolute joke, avoid them at all costs!!!

Good credit union. Easy to work with and always great customer service. Friendly service at the branch and at the corporate office over the phone.

SCU is awesome to work with, very helpful and friendly. They helped me get the loan that I wanted it was very simple to get what I wanted to purchase with a good rate

I have been a customer for over 10 years. I went into N Charleston, SC., Dorchester Rd branch on Friday, Sept 24 inquiring about a personal loan. The teller asked a few questions and advised me of a credit card promotion that had a 3% origination fee and 0% interest for 12 months. While talking to the teller, he advised he will have a business manager call me about any business questions but connected me with a Financial Sales Rep regarding the credit card. The financial salesperson was Ross Holland. Ross wasn't welcoming at all. He went straight to business. He asked me a few questions and set my expectations I will hear back later that day regarding the credit card approval. I asked if he needed my social security or any personal information for the credit card application and he said he had everything he needed. I never heard back Friday. On Monday, I called to inquire about it and customer service advised the application is still processing but I should hear back later today. I did receive a call from the business agent but he doesn't handle the consumer credit card. Another day of no response from Ross. On Tuesday, I called again and was advised Ross will call me today. Ross called and started the call by saying he doesn't know if I gave him the wrong number but he called me. I didn't respond to that statement because my phone number is correct on SCFCU reports and the business agent was able to reach me at the same number. He proceeded to say he needs a financial form to proceed with the application. I sent the application back. On Friday, I called inquiring again but had to leave a voicemail. Ross called back to advise my application was denied. He didn't provide an explanation or advise I will be notified about the reason for the denial. He was straight forward and dry. I informed him the process was unprofessional and I didn't appreciate how it was handled. I advised after 10 years, I will be closing my SCFCU account. Ross simply said okay.

I'm very disappointed in SCFCU. My credit score is 760. My financial report shows I have more than enough to pay for a credit card. I constantly have credit card companies sending pre-approval letters. I went to Wellsfargo and was approved same day. As soon as I have time. I will be closing my account with SCFCU.

Very easy to work with. Great rates as well. Very pleased with services so far and would recommend to others who may need their assistance.

As a member of the SCSFCU I have had my Visa Credit card for 30 yrs and have never been offered a rate for less than they give me. Also run promotional periods at 6.99% for a month at a time. Also monitor the account for any activity that they think is fraudulent. Never had any other credit card company as good as this one.

SC State Credit Union is great!! I would recommend SCU or any credit union over banks. They are “member” based and culture is complete different.

SCSCU has been very good to me. The interest rates are always low on my credit card. The minimum payments are clearly shows on your statements. On a few occasions, I was notified of suspicious spending activity on my account.

SCU IS MY LIFE LINE USE IT ONLY WHEN NEEDED PAY OFF EVERY MONTH, they have always been there saved me money every time refinance car saved a bundle

I don't normally post reviews, but my advice is to go elsewhere for your financial needs.

We have had a savings account with the SC State CU for 25 years. They have started charging us $10 a month because we haven't used the account in a year. I called and asked what amount we can deposit to stop the charge. In short, no amount is sufficient. They will deduct $10 a month no matter how high the balance is if there is no activity for 1 year. W are not going to pay the SCCU to use our money. I will close our accounts. As an aside, the customer representative was rude and unhelpful.

The checking account options are just like the bank, but I like the people there, very friendly, and I see them in church. Good people. Although I love the people and the bank in general, the rates for savings could be higher. I find some online CD returns higher than banks and sometimes higher than SCSFCU. Overall, though I like it. That's why I bank there.