Borrowing made easy

Mitch wondered, “Do they have superpowers?”

Consumer loans

Great rates on loans for new autos

Get competitive terms and rates based on your qualifications. If you find a better rate, we may be able to match it!

  • New automobiles with interest rates that are hard to beat
  • Used automobiles
  • New and used boats and recreation vehicles (RVs)
  • New and used farm equipment
  • Generators
  • Lines of credit
  • Personal loans
  • Loans secured by your savings account
  • Credit cards

Help in a Hurry
Never again resort to expensive payday loans!

Talk with us about easier and cheaper ways to get quick help.

Why should I get pre-approved for a loan?

Applying for a loan before you need it ensures that you will be shopping within your budget. So, if you want to buy a $25,000 car, a pre-approved loan will mean you can go shopping with the confidence that you can borrow enough to buy the car.

Simply complete a loan application as if you had already chosen your purchase, and then you and the credit union will be ready to finish the loan quickly when the time comes. Prepare first, shop second. Always the best approach.

Apply here to get started.

NADA appraisal guides external link icon small-gold can be useful when shopping for vehicles.

You must be a 1st Cooperative FCU member to obtain loans. Get the consumer loan application below.


Check interest rates for loans.

Get the consumer loan application

Information to start your application process.

contact us

Email us about a loan.


803-796-0234 M-F, 8:30 a.m. – 5 p.m.

His story

After every big-name bank he could think of said “no,” Mitch suggested son Bailey ask the folks at 1st Cooperative for a loan to buy his first truck and build a good credit history. Bailey got his loan. Soon, his dad needed a new truck, too. Within two hours on a Friday afternoon, Mitch was pulling out of the dealership. “I think they’ve got superpowers,” said Mitch. “They are a true blessing from God.”

We feel blessed to have such members.

These instructions apply only for your first time logging on to our new Online Banking system after September 2.

If you are an existing Online Banking user, here’s how to log on to our new Online Banking system:

  • Your temporary Logon ID (username) is the member number for the Primary Member on the account.
    • You must enter leading zeroes to make it 6 digits.
    • Examples: If your current member number is 1234, you would enter 001234. For the member number 12, you would enter 000012.
  • Your temporary Security Code (password) is the last 4 digits of the Primary Account holder’s Social Security number.
    • Example: 9876

You will be prompted to change your Logon ID and Security Code. Once these are changed, you will use your NEW Logon ID and Security Code the next time you log on to Online Banking.

Click here to proceed to Online Banking logon »