The S C Members First Federal Credit Union offers checking and savings accounts, credit cards, car loans, home mortgages, equity loans and more. All members must make an initial deposit of $30 to open a savings account. Of this amount, $25 remains in the account to maintain membership with the credit union and the other $5 is a one-time non-refundable membership fee. Interest rates on the credit union's loans are much lower than standard bank loans.