S.C. State Federal Credit Union SCU Standard Visa Card | Consumer Financial Protection Bureau

Nationwide

Availability

Eligibility requirements

This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

scscu.com

Phone

(800) 868-8740

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

10.9% – 17.9%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
619 or less	17.9%	1 dollar sign symbol Pay less interest
620-719	15.9%	1 dollar sign symbol Pay less interest
720+	10.9%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $25 for the first late payment and $25 for a late payment within six billing cycles of another late payment
Late fee policy details: Up to $25, depending on the balance owed.
Over-limit fee: None
Returned Payment: $25 (Fee is up to $25, depending upon payment amount, when a payment is returned for any reason (NSF, closed account, etc.).)
Statement Copy Fee: $5 (When credit card statements are requested outside the scope of what is available online.)
Lost/Damaged Card Replacement: $10 (Fee is charged if card is lost or damaged before it is scheduled to be replaced. Fraudulent situations or a stolen card do not have the fee assessed.)
Returned Convenience Check: $25 (Fee is charged if a convenience check is written off of the card account and is returned for whatever reason (NSF, account closed, etc.).)
Stop Payment on Convenience Check: $25 (Fee is charged if a stop payment is placed on a convenience check written.)

Rewards and perks

Cash back and other

Other rewards: Points can be redeemed for items/goods within the rewards program.

Services

Automobile rental insurance

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

10.9% – 17.9%*

+

$0

*As of Dec. 31, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
619 or less	17.9%
620-719	15.9%
720+	10.9%

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.