Business Loans & Credit

Business Term Loan

Our mission is to provide low interest loans in our efforts to build a stronger community.
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  • Low rates; local decision-making
  • Available for a wide range of needs
  • Secured and unsecured loans
  • No prepayment penalty

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

Startup Business Loan

We specialize in providing loans to entrepreneurs who might not qualify from mainstream lenders.
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  • Low rates; local decision-making
  • Available for a wide range of needs
  • Come learn your options; no obligations
  • No prepayment penalty

SBA Loans

Special programs from the U.S. Small Business Administration with local servicing from SCCCU.
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  • Special programs to make loans available
  • For small and growing businesses
  • Term loans and lines of credit
  • Local decision-making

Rural Development Loans

We simplify the process for the federal USDA loan program.
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  • Special programs to make loans available
  • Must be in designated rural area
  • Fixed assets, working capital, and much more
  • Local decision-making

Commercial Real Estate

We take the time to understand your unique needs, but move fast once the process is in motion.
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  • Low rates with customized service
  • Purchase loans or facility improvements
  • Business acquisition loans
  • Refinancing available

Equipment & Vehicle Loans

Low rates for machinery, vehicles, or replacing outdated technology.
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  • Fast approvals made internally
  • Does not affect working capital or line of credit
  • Avoid equipment obsolescence
  • Flexible terms

Community Visa Credit Card

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