Help & FAQs

Find the answers you need to the questions you have – anytime.
When you have questions about your South Carolina Federal Credit Union accounts or our products and services, start here. We compiled the questions we receive most frequently from members so you can quickly find valuable information. If you need more assistance, please contact us. We are always happy to help.

Insurance

Credit Life Insurance and Credit Disability Insurance is offered on loans.

Credit Life Insurance:

  • Pays off or reduces the outstanding loan balance up to the coverage limit if you die while insured.

  • Available on consumer loans and credit cards up to $50,000 and 180 months.

  • Low cost coverage with 30-day free look.

  • Available through 69 years of age, terminating at age 70.

  • Available for primary and/or joint owners on the loan.


Credit Disability Insurance.

  • Makes the loan payment up to the maximum coverage limits should you become totally disabled due to sickness or injury while insured.

  • Available on all consumer loans and credit cards up to $50,000 and 120 months.

  • Low cost coverage with a 30-day free look.

  • Available through 65 years of age, terminating at age 66.

  • Available for primary and/or joint owners on the loan.

To add Credit Life and/or Credit Disability to a new or existing loan, visit a local financial center or Contact Us

Extra protection is available for auto loans:
Guaranteed Asset Protection (GAP)

  • Relieves you of the responsibility for the remainder of the loan balance that the primary insurance carrier does not cover due to a totaled or stolen vehicle.

  • Available on auto loans financed up to $100,000 and 84 months.

  • Maximum GAP loss payout up to $50,000.

  • Available on motorcycle, ATV, and Jet Ski loans financed up to $50,000 and 120 months.

  • Low cost protection with a 60-day free look.

Mechanical Breakdown Protection (MBP)

  • Extends coverage to virtually all mechanical and electrical components of your vehicle in addition to the manufacturer’s warranty.

  • Available on new and pre-owned vehicles.

  • Cost and coverage vary based on collateral information.

  • Transferrable coverage.

  • Choose from Ultimate Guard, Preferred Guard, and Classic Guard.

To add GAP or MBP to a new or existing loan, visit a local financial center or Contact Us.

As a member of South Carolina Federal Credit Union, you may qualify for discounted auto insurance. We have worked with MetLife Auto & Home to screen the top insurance carriers and identify the most competitive rates available,

  • Up to 15% member discount.

  • Extra savings with a superior driving discount.

  • Extra convenience with easy automatic billing.

  • The ability to switch and save NOW - no need to wait until your current policy expires.

If you are not receiving a discount on auto insurance, please call the MetLife member's hotline now at 877-491-5087.

Financial Assistance
If you are experiencing financial difficulties or worrying about your situation, please reach out to us.
Order Checks
When you run low on checks, follow this simple online process to order a new batch.
Financial Terms Explained
Understanding the language behind financial transactions and daily money management puts you in control.