• Business Term Loan

    Business Term Loan

    Our mission is to provide low interest loans in our efforts to build a stronger community.

    • Low rates; local decision-making
    • Available for a wide range of needs
    • Secured and unsecured loans
    • No prepayment penalty
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  • Line of Credit

    Line of Credit

    Day-to-day needs are just that: day-to-day. You don't have the time to wait for a loan approval.

    • Low, variable rate
    • Only pay interest on what you use
    • Re-access without re-applying
    • For inventory, working capital, short-term needs
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  • Startup Business Loan

    Startup Business Loan

    We specialize in providing loans to entrepreneurs who might not qualify from mainstream lenders.

    • Low rates; local decision-making
    • Available for a wide range of needs
    • Come learn your options; no obligations
    • No prepayment penalty
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  • SBA Loans

    SBA Loans

    Special programs from the U.S. Small Business Administration with local servicing from SCCCU.

    • Special programs to make loans available
    • For small and growing businesses
    • Term loans and lines of credit
    • Local decision-making
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  • Rural Development Loans

    Rural Development Loans

    We simplify the process for the federal USDA loan program.

    • Special programs to make loans available
    • Must be in designated rural area
    • Fixed assets, working capital, and much more
    • Local decision-making
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  • Commercial Real Estate

    Commercial Real Estate

    We take the time to understand your unique needs, but move fast once the process is in motion.

    • Low rates with customized service
    • Purchase loans or facility improvements
    • Business acquisition loans
    • Refinancing available
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  • Equipment & Vehicle Loans

    Equipment & Vehicle Loans

    Low rates for machinery, vehicles, or replacing outdated technology.

    • Fast approvals made internally
    • Does not affect working capital or line of credit
    • Avoid equipment obsolescence
    • Flexible terms
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  • Childcare Provider Loans

    Childcare Provider Loans

    An exclusive program for providers serving low-income families.

    • Low 3% interest rate
    • Loans up to $15,000
    • Simple, streamlined application process
    • Access to business education and training
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  • Community Visa Credit Card

    Community Visa Credit Card

    This is not your average Visa®. Using this card benefits local charities.

    • We donate 5¢ to charity every time you use card
    • No annual fee
    • Cash advances are not at higher rate
    • Enhanced security for online shopping
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