Used Vehicle

APR low
3.29%

New Vehicle

APR low
2.14%

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Credit Card

APR low
8.74%

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Home Equity

APR low
4.00%

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Certificate

APY up to
3.39%

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Personal Loans

APR low
8.49%

Are You Looking for Ways to Get Involved?

Our members benefit deeply from an experienced group of volunteers leading their credit union’s committees. We value the different backgrounds, perspectives, and talents of our volunteers who represent the membership. As a credit union member, you have the potential opportunity to serve on various committees throughout the year

Learn More

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Be Mindful of Phone Scams

This a quick reminder to stay vigilant of fraudulent Vishing phone calls. Criminals can get sophisticated in attempting to trick someone into giving out private banking information by claiming to be their financial institution or claiming to have information about an account. If you get an unexpected call requesting your personally identifiable information, it is best to hang up and contact your financial institution directly to verify the validity. 

Learn More About Vishing

 


The 50/20/30 Rule is a proportional guideline which can help you learn to keep your spending in alignment with your savings goals and start managing the complicated world of personal finance. Learn More

Upcoming Events


The Psychology of Spending
When: Wednesday, August 22, 2018 from 12:00pm to 1:00pm
Description: Do you ever wonder why you left the mall with $500 worth of clothes when you were not planning to get anything or bought one pair of shoes over another? It is not just personal preference. Psychologists have found that there are several forces that govern our consumer behavior and cause us to make decisions that are not necessarily rational or in our best interest. However, understanding why we buy what we buy can help us make better decisions in the future. Why is it important to make smart spending decisions? Overspending can take away from important saving goals, like a down payment for a house, college, or retirement. Join us for this 45-minute webinar as we cover factors that commonly affect the psychology of our spending, including:

  • The Role of Advertising
  • Keeping Up With the Joneses
  • Spending Habits
  • Impulse Buying
  • Bargain Hunting
  • Retail Therapy
  • Money as Love
  • I’ll Worry About Tomorrow Tomorrow


Please be advised that for security reasons, some government computers may disable access to this Go-to-Webinar page; we recommend testing beforehand, and utilizing your personal email and devices instead, should you encounter problems
**This free webinar is open to both members and non-members of SDFCU.**
Register here


Making the Most of Your Credit Union Membership
When: Thursday, August 23, 9:00-10:00am
Description: Interested in Saving Time and Money? You want what’s best for you and so do we. Learn how to maximize your bottom line and also save time. We are pleased to present an overview of products and services designed to save you time and money anywhere in the world. Learn about our no fee/low fee philosophy, and top user tips about our cash-back credit card with no annual fees, no ISA fees, and no balance transfer fees, free checking with Rewards Debit Card, Home Buying/Selling Services and Auto Buying tips, Mobile banking with mobile deposit, Investment Services, and more.

Please be advised that for security reasons, some government computers may disable access to this Go-to-Webinar page; we recommend testing beforehand, and utilizing your personal email and devices instead, should you encounter problems
**This free webinar is open to both members and non-members of SDFCU.**
Register here


The Home Purchase Mortgage Loan Application and its Process
Where: 1969 Dyess Avenue, Building C, Room VTC 128, Charleston, SC 29405 (Valid Department of State Badge ID required for building.)
When: Thursday, August 30, from 11:30am - 12:30pm
Description: SDFCU is pleased to present a seminar that will provide an overview of the Home Buying Mortgage Application Process. Harold Bennett will discuss the steps involved in obtaining financing for your new home. Specific focus is to answer the following:

  • What to expect when applying for a home purchase mortgage loan?
  • Why and how to get pre-qualified for a loan?
  • Types of loans and mortgage products
  • How much money will you need for a down payment and closing costs?
  • Documentation needed for a mortgage
  • Q & A session following the presentation for your specific questions

Please join us for this valuable and informative seminar. 
Register: mortgage@sdfcu.org


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