Mid Carolina Credit Union Facebook
Online Banking and Bill Pay
Order Checks

Holiday Office Closing


Our offices will be closed Friday, November 11th for the Veterans Day holiday.

Free Trick-or-Treat Trail @ Rhame Arena


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.



Mobile Banking: Now, Check Your Balance At A Glance

On September 10th we rolled out the sixth major feature pack update to users of our mobile banking app. Among other updates, Feature Pack 6 adds a new feature called Instant Balance that allows users to view balance information for up to six accounts from the app’s login screen without needing to log in. Checking an account balance is one of the most popular functions for mobile banking users – Instant Balance helps make this process even easier.

Instant Balance

This is an optional feature that allows users to view their chosen account balances without needing to login. This reduces the amount of effort it takes for users to do their most common activity, checking balances. Up to six balances can be shown per user. Users must first opt in to use Instant Balance; by default, they are opted out until activation is complete.

Instant Balance is a secure, read-only feature that uses the same pre-authenticated balance inquiry used for delivering balances via text message (SMS). It cannot be used to complete transactions, and account numbers are always masked. Since no login occurs, no sensitive authentication or account information is transmitted during the interaction.

Instant Balance uses the existing multi-user login functionality in Mobiliti to remember usernames and associated accounts. Activation requires that the “Saved ID” button on the login screen be selected. Activating “Saved ID” will cause the last username entered to be automatically pre-filled into the username field each time the app is used—even if it is closed and reopened. The button label will then read “Change.”

What’s New?

What’s New is a feature designed to boost engagement by introducing new app functionality after an update. The first time users log in to the app after updating, they may be presented with a What’s New? message if one is available. This message is solely informational and will only be shown one time per user.

What’s New consists of short, explanatory text and graphics displayed in a short series of screens that users can swipe through. This introduction is designed to familiarize users with the feature and announce that new functionality is available.


How do I get Feature Pack 6?

If you’ve already downloaded our mobile banking app, you’ll simply download the latest update from the iOS App Store or Google Play Store, as you would with any other app update; Feature Pack 6 will be included in the update. If you are downloading the app for the first time, you will automatically receive the latest version, complete with Feature Pack 6.

How do I enable Instant Balance?

After downloading the latest version of our mobile banking app, tap the new Instant Balance button on the app’s login screen. Follow the on-screen prompts to enable the new Instant Balance feature. Once Instant Balance is enabled, you will be able to view balance information for up to six accounts at any time by tapping the Instant Balance button on the login screen.

New Enhancements still to come:

Instant Issue Visa Debit Cards are coming soon to a branch near you! Expect to see the cards available at select locations around mid-October. No more waiting 10 days or more for your card to arrive in the mail!

Instant issue debit cards will put immediate purchasing power in your hands. They are the perfect solution for:

  • New Accounts - Open a new checking account in one of our branches and receive your debit card the same day and enjoy immediate access to your funds.
  • Existing Members - Stuck without a card due to loss or theft? Come in and get a new card in minutes.

Your Instant Issue Visa debit card is ready to use at ATMs for cash withdrawals and other transactions worldwide wherever you see the COOP or STAR logo and feature Verified by Visa fraud protection for online purchases and more – they’re just like our regular debit cards, only instant! 

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)

Access Visa
Go Mobile
Latest News & Events
Holiday Office Closing
Our offices will be closed Friday, November 11th for the Veterans Day holiday ...(more)

Free Trick-or-Treat Trail @ Rhame Arena

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

Mobile Banking: Now, Check Your Balance At A Glance
On September 10th we rolled out the sixth major feature pack update to users o ...(more)

New Enhancements still to come:
Instant Issue Visa Debit Cardsare coming soon to a branch near you! Expect to ...(more)

Photo Contest - MY MCCU MOMENT

Report Lost/Stolen Card
Quick Links & Applications
Apply For Loan
Online Banking
Home & Family Finance
Copyright © 2013 by Mid Carolina Credit Union | Site Design by JSS Enterprises, Inc.
719 Highway 1 South, Lugoff, SC 29078
803-432-8521 or 1-800-433-5226
Verified by Visa