Security made easy

For a long drive, mom knows best.

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The credit union will never contact you by email, or phone asking for confidential information. We already have this information. Do not respond to any suspicious correspondence. If you suspect you have received suspicious information, please contact us at 803-796-0234.



Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name. Deter identity theft with these steps:

  • Never click on links sent in unsolicited e-mails; type in a web address you are familiar with
  • Use firewalls, anti-spyware, and anti-virus software on your home computer – and keep them up to date!
  • Don’t use obvious passwords, like your birthday, mother’s maiden name, or last 4 digits of your Social Security number
  • Shred financial documents and paperwork with personal information before you discard them
  • Protect your Social Security number
  • Don’t carry your Social Security card in your wallet
  • Don’t write your Social Security number on a check; give it out only if necessary, or ask to use another form of identification


Be alert to signs that require immediate attention:

  • Bills that do not arrive as expected
  • Unexpected credit card or account statements
  • Denials of credit for no apparent reason
  • Calls or letters about purchases you did not make


  • Inspect your credit report. Credit reports contain information about you—including what accounts you have and your bill-paying history.
  • The law requires the major nationwide consumer reporting companies (Equifax, Experian, and TransUnion) to give you a free copy of your credit report each year if you ask for it.
  • Visit external link icon small-gold or call 1-877-322-8228, a service created by these three companies, to order your free credit reports each year.
  • Or, you can write:
    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281
  • Inspect your financial statements.
    Review financial accounts and billing statements regularly, looking for charges you did not make.


Be alert to signs that require immediate attention:

  • Place a Fraud Alert on your credit reports and review the reports carefully. This alert tells creditors to follow special procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert. A call to one company is adequate:
    Equifax: 1-800-525-6285
    Experian: 1-800-EXPERIAN (397-3742)
    TransUnion: 1-800-680-7289
  • Placing a Fraud Alert entitles you to a free copy of your credit reports. Look for inquiries from companies you haven’t contacted, accounts you didn’t open, and debts on your accounts that you can’t explain.
  • Close accounts. Close all accounts that have been tampered with or established fraudulently.
  • File a police report. File a report with law enforcement officials to help you with creditors who may want proof of the crime.
  • Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations.

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His Story

Kollin goes to college in Texas, and Texas is a long drive from Horry County. Moms get nervous when their sons are driving that far, and they want them to have a dependable car to get back to school, right? So, Kollin’s mom, Kolton (ahhh, see what they did there?), got on the phone with 1st Cooperative and got herself pre-approved for an amount and a payment she could afford. “They helped us narrow down our search and find a sensible car for him,” she said.

Yep, moms are all alike. “Sensible car,” indeed. Sorry, Kollin, you can buy the Corvette with your own money.

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 »