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And the winners are...


Congratulations to the following, you have won a $50 VISA gift card in our Win A Yeti Contest.

Krysten Webb

Brenda Reynolds

Sylvesta Robinson

Richard Galloway

Shanae Starks


Unfortunately we did not have enough participation to giveaway the Yeti, not meeting the required stipulation referenced in the contest disclaimer.

 Bummed?, be on the lookout for future contest and opportunities from Mid Carolina Credit Union.

Skip-A-Pay, back for the Holidays!

   Need Extra Cash This Season?

   Sign up for Skip-A-Pay today!


Now you can enjoy the holidays to the fullest! Here at Mid Carolina Credit Union, our Skip-A-Payment program allows you to defer your December payment until the end of your loan term. And if you have more than one loan you can Skip-A-Payment on each. That’s right – an offer to make your holiday season brighter!

We enjoy serving you, and it is our pleasure to present to you this exclusive holiday offer. Simply complete the coupon form by clicking here, select the payment option you want, and we’ll take care of the rest.


Skip-A-Payment Terms, Fees, and Disclosures


    1. Skip-A-Payment Fee per loan is $25.00
    2. Fee may be paid by check at time of request or deducted from your MCCU share or draft account.
    3. Mortgage loans, accounts included in bankruptcy or foreclosure, loans with extensions or alternate payments in the past six (6) months, modified loans through troubled debt restructuring, members who have caused losses to the credit union (loans, credit cards, shares, etc.) and Visa accounts are not eligible
    4. This offer expires on Dec. 30, 2016. Loans must be current at time of request to qualify and loans must have no past due history of 30 days or more in the last (6) months. Only applies to loans originated prior to June 1, 2016.
    5. All share accounts must be in good standings.  No shares may have a negative balance.
    6. FINANCE CHARGES will continue to accrue at the rate provided in your original loan agreement on the outstanding loan balance and will result in additional interest paid as opposed to if you made your payment as originally scheduled.  Deferring payment(s) will extend the terms of loan(s) resulting in extra payment(s) after your loan would otherwise be paid off.
    7. Regular payments will resume on the first regular payment date of the month following the skip.
    8. If previously elected, Credit Life and/or Credit Disability premiums will continue being added to the loan during the extended term in order for benefits to continue.
    9. If you have GAP insurance on your loan, the coverage will not extend beyond the original maturity date of the loan nor will GAP cover the deficiency balance arising from skipped payments as disclosed in the Guaranteed Asset Protection Contract.
    10. All Skip-A-Payment requests are subject to approval.  Restrictions may apply.



New Enhancements still to come:


Apple Pay and Android Pay, the easy, secure and private way to pay electronically will be coming in late Fall. This tokenization payment technology is one element in a mobile payment security strategy. Members will benefit from peace of mind and a simplified purchasing experience when shopping on a smartphone or tablet.
Tokens help prevent payment fraud by turning sensitive account information into cryptograms that are enabled only when additional layers of security and authentication are provided. If there’s a data breach at a store using tokenization, criminals will likely only get useless information. For added convenience, tokens can easily be turned off without canceling a card. Tokenization is complementary to EMV, which has proven to be successful at reducing fraud at the point-of-sale, while tokenization addresses the potential for fraud in the card-not-present environment of online and mobile channels.
More information to come in the coming weeks on each of these new products.

Photo Contest - MY MCCU MOMENT




Please note: This is a Facebook contest, find the contest link on our Facebook page or click the contest promotion above to be taken to entry.


Contest Rules

  • Entering The Contest & Submission Requirements 
- Online Submissions Only
  • Enter your submissions via the entry form through Facebook.
  • Register by entering your first and last name, and email address.
  • Upload Image (image format should be a high resolution JPEG at 150 DPI or higher. Please keep photos “clean” and appropriate.
  • Enter a short description of the image, “My MCCU Moment”, captured and how Mid Carolina Credit Union helped you.
  • Submit your entry., Once the registration process has been completed, you will be directed to a page confirming your entry.
  • Only one image and story can be submitted per person. 

Contest Dates and Deadlines

The MY MCCU MOMENT Photo Contest begins April 1st, 2016 at 8:30 am Eastern Standard Time (EST) and ends December 30th, 2016 at 5:00 pm (EST). Winners will be announced monthly on/around 1st of each month (on business day) starting in May 2016.

Who May Enter

Mid Carolina Credit Union Members…anyone who has been helped by Mid Carolina Credit Union!

Entry Fees

 There is no cost to enter.


Winners will be picked at random from entries.

Consent Agreement

Submission of an entry to the contest automatically constitutes the contestant’s acceptance of all conditions set forth in the above rules. By submitting images you grant Mid Carolina Credit Union (MCCU) the right to use the entry in exhibitions and promotions in print and online, (including, but not limited to contest and seasonal promotions), as well as the right to re-size images for these purposes. MCCU will not exploit your image for any form of direct compensation. You also grant MCCU permission to put you on our e-mail list to receive credit union updates (you can opt out at anytime). Entries not complying with the rules set forth above will be disqualified.


$55 cash (total of 9 winners, 1 per April-Dec. 2016)

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And the winners are...
Congratulations to the following, you have won a $50 VISA gift card in our Wi ...(more)

Skip-A-Pay, back for the Holidays!
Need Extra Cash This Season? Sign up for Skip-A-Pay today! Now you can ...(more)

New Enhancements still to come:
Apple Pay and Android Pay, the easy, secure and private way to pay electronica ...(more)

Photo Contest - MY MCCU MOMENT

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719 Highway 1 South, Lugoff, SC 29078
803-432-8521 or 1-800-433-5226
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