• Auto transfer from your SCCU account
• Auto transfer from payroll
• Cash payment
• Check payment
• Debit Card payment by phone (517) 787-2220

No. The credit bureau does not allow us to give out copies of the report. You can request a free copy of your credit report by visiting AnnualCreditReport.com.

No, you do not need to be a member in order to apply for a loan.  However, you do have to meet our membership eligibility requirements before signing loan documents.  Please see Who Can Join for additional information.

Yes South Central Credit Union offers Mortgage Services through our member partner Mortgage Center.

Mortgage Center is another benefit available for SCCU members. Mortgage Center provides a complete array of mortgage products as well as refinances. The entire loan process is designed so that it can be accomplished efficiently and conveniently over the phone or on-line. After the transaction is closed, payments may be made through electronic funds transfer from your credit union account, mailed directly to Mortgage Centers' Southfield, Michigan office or you may pay your mortgage payment over the telephone for a small fee.  Get Started On-Line HERE.

South Central Credit Union does not offer business loans.

South Central Credit Union does not offer student loans.

The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com.

According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report.

To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.

Because the federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year, consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks, because the three bureaus feed each other the latest information. You’ll also be able to clean up errors as you find them (because errors can drag down a credit score) and you'll also keep an eye on identity theft.

To get a free copy of your credit report, visit AnnualCreditReport.com.