At Scenic Community Credit Union, the health and wellbeing of our members and staff is our top priority as we monitor the situation surrounding the novel coronavirus, or COVID-19. At every SCCU branch, we are adhering to best practices with regards to cleanliness. Members will be notified should anything change.
 
Small Business Owners
SCCU is approved to offer Paycheck Protection Program loans. Please note: PPP applications will only be accepted from businesses within our field of membership. See if you're eligible.
 
Click below to apply now, or jump to Small Business Resources to see more program details. pens in a new Window)
 
 
 
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Individuals
Click below to visit the IRS website and see if you are getting a stimulus check, confirm your payment information, and more.
 

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Lobbies Temporarily Closed

As of noon (12pm) on Thursday, March 19, 2020, all SCCU lobbies will be CLOSED out of an abundance of caution. Drive Thrus are available at our Hixson, Soddy, and Ooltewah branches, and you can access your accounts via the options listed below. Your health and safety is our utmost priority at this time, and we thank you for your patience and understanding.

SCCU Remote Options

WHAT I NEED
WHERE TO GO
Online Banking
Sign in here.  If you aren't signed up, enroll here or give us a call at (423) 875-6955.
Mobile App
Download for Apple or Android. Keep in mind you can deposit checks via the mobile app.
Loan Pay Express (LPX)
Pay your loan. Members can use LPX to pay your SCCU loan from any institution.
Touch Tone Teller
(423) 875-4031. Call for automated account information and to transfer money between SCCU accounts.
CO-OP Shared Branches and ATMs
Find an ATM or Shared Branch. SCCU members can do transactions on their SCCU accounts at any CO-OP Shared Branch or ATM.
Night Drop and Drive Thru
Find your closest branch. All of our branches have overnight deposit drops. Hixson, Soddy, and Ooltewah have drive thru windows.
Loans
Call (423) 875-6955 ext. 3. Current members may also sign into Online Banking to apply for a loan. Nonmembers may fill out the online membership application.
Skip-a-Loan-Payment
Call (423) 875-6955 ext. 3 or download the Skip-a-Loan-Payment form.
Card Services
Call (423) 875-6955 ext. 3. 
Wires
Call (423) 875-6955.
Membership Application
Apply online, visit a drive thru, or call (423) 875-6955 ext. 4.
If you need help or have questions, call us at (423) 875-6955.
 
 

Emergency Loans and Skip-Payment Options

We understand that many of our members may need additional assistance during this time due to lost or reduced income.

Emergency Options

If you need to discuss your SCCU loan or ask about our emergency loan options, call our Pandemic Response Team at (423) 875-6955 and choose Option 3, or fill out our contact form.
 
SCCU members also have access to free financial counseling via our partners at GreenPath. Give them a call at 877-337-3399, or learn more about their services.

Apply to Skip a Payment

  1. Download and fill out the form below. Be sure and read the Skip Pay agreement and terms carefully before you submit the form. 
  2. Submit your form via one of the methods listed.  
Please Note: Submitting a Skip Pay form does not guarantee approval to skip a payment. You will be notified and your fees returned in the event you are not approved for Skip Pay. If loan is joint BOTH owners must sign the Skip Pay Application.
 
 
Submission Options
Scenic Community Credit Union
ATTN: Lending
PO Box 1058
Hixson, TN 37343
 
Keep in Mind...
Skipping a loan payment really means you defer to make that payment until the end of the loan -- this means extending the life of your loan. And while a skipped payment frees up cash, don't forget that interest will continue to accrue on your loan balance. If you are unsure about skipping a payment, download and read the form above, or ask a loan officer for more details.
 
*Restrictions apply. Not all loans are eligible for Skip Pay. Submitting a Skip Pay form does not guarantee approval. Download above Skip Pay form or ask a loan officer for more details.

Resources for Small Business Owners

The Paycheck Protection Program (PPP) is an important part of the historic Coronavirus Aid, Relief and Economic Security (CARES) Act designed to help small businesses continue meeting payroll and other expenses during these trying times. SCCU is approved to offer PPP loans.
 
Please note: PPP applications will only be accepted from businesses within our field of membership. See if you're eligible.
 
Apply for a PPP Loan(Opens in a new Window)

PPP Resources & FAQ

 
 
 

What does the PPP offer small businesses? 

The provision creates a new category of unsecured loans guaranteed by the Small Business Association (SBA). The loans do not require a personal guarantee and are available to many businesses that were previously not eligible for an SBA loan. The loans may be entirely or partially forgiven.

Which kinds of businesses are eligible for a loan? 

Traditional SBA loans are only eligible for business entities designed to turn a profit. The company’s place of business must be located in the United States, and be primarily operated in the United States.
 
The Paycheck Protection Program has expanded to include all nonprofit organizations, veterans organizations and Tribal business concerns.

Does the business need to be a specific size to be eligible for the PPP? 

To be eligible for a loan under the Paycheck Protection Program, a business must have no more than 500 employees, including full-time, part-time and temporary workers. This rule accounts for the business applying for a loan, as well as any affiliated businesses or entities, including for profit and nonprofit, as well as domestic and foreign businesses.

What is the maximum loan amount a business can apply for under the Paycheck Protection Program?

The maximum loan amount available under the PPP is generally the lesser of $10 million, or 2.5 times the average monthly payroll costs incurred during the one-year period before the date of the loan. Payroll costs include all salaries, wages, commissions and cash tips; parental, family, medical or sick leave; severance pay; payments required for the provisions of group health care benefits, including insurance premiums; payment of any retirement benefit; and payment of state or local tax assessed on the compensation of employees.

How may the loans be used? 

The loans from the Paycheck Protection Program can be used from Feb. 15, 2020, to June 30, 2020 for any of the following expenses:
  • Payroll costs
  • Costs related to the continuation of group health care benefits during periods of paid sick, medical or family leave
  • Insurance premiums
  • Employee salaries, commissions or similar compensations
  • Payments of interest (but not principal) on any mortgage obligation
  • Rent
  • Utilities
  • Interest on any other debt obligations that were incurred before Feb. 15, 2020

Will all loans that are part of the Paycheck Protection Program be forgiven? 

A PPP loan is eligible for forgiveness in an amount equal to the sum of the following costs incurred during the 8-week period beginning on the date of origination of the loan: payroll costs; any payment of interest on any mortgage obligation that was incurred before Feb. 15, 2020; any payment on any rent obligation under a lease agreement in effect before Feb. 15, 2020; and payment for electricity, gas, water, transportation, telephone or internet service, which began before Feb. 15, 2020.
The loan forgiveness amount will be prorated down if the average monthly number of full-time employees during this 8-week period is less than the average monthly number of full-time equivalent employees. The forgiveness amount will also be reduced if there is a 25% (or greater) reduction in salary for any employee during this 8-week period.

Can a small business take out a loan under the Paycheck Protection Program and still be eligible for other relief under the CARES Act?

Taking a loan under the PPP can make an employer ineligible for some other relief under the CARES Act.  For example, the employer will not be eligible for payroll tax relief if they apply for a loan under the Paycheck Protection Program.

Other Small Business Resources 

The City of Chattanooga
Chattanooga has set up a resource site for small business owners on matters related to COVID-19.
 
Business Trend
View more updates straight from Chattanooga's business community.

Be Aware of Scams

As the COVID-19 situation in the US continues to develop, be aware that scammers are taking advantage of the virus by sending emails, texts, and links that appear to be from the Centers for Disease Control and Prevention (CDC) or the World Health Organization (WHO).

What to Watch For
  • Emails appearing to be from the CDC or WHO that contain attachments or links. Do NOT open attachments or click links from unknown sources.
  • Texts or phone calls appearing to be from the CDC or WHO. Those organizations will not send you links or ask you for your personal or financial information.
  • Donation links. Links for monetary donations will not be emailed to you from the CDC or WHO. Do not click links from unknown sources.

Steps to Protect Yourself
  • Verify email addresses. If it looks suspicious, delete.
  • Check the link before you click. Be especially suspicious of any emails or texts you receive that include links to donation sites as this is a common method of collecting your account and personal information.
  • Be careful when providing personal information. The WHO or CDC will not ask you for your personal info.
  • Don’t rush. Scammers may try to make you feel rushed, but take your time.
  • If you gave out sensitive information, don’t panic. Immediately change any credentials you may have given out. If you give out debit or credit card information to someone suspicious, give us a call at (423) 875-6955.
  • If you see a scam, report it. Report a scam to the WHO or the BBB.

Your Funds are Federally Insured by NCUA

Don't worry - the funds you keep at Scenic Community Credit Union are safe and secure. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. Watch the video below to learn more about the NCUA:
 
 

COVID-19 Info

See below for reputable COVID-19 resources.
Best Practices to Prevent the Spread of Germs 
  • Wash your hands often with soap and water for at least 20 seconds. If soap and water are not available, use an alcohol-based hand sanitizer. 
  • Avoid touching your eyes, nose and mouth with unwashed hands. 
  • Avoid close contact with people who are sick. 
  • Stay home when you are sick if possible. 
  • Cough or sneeze into your elbow or use a tissue to cover it, then throw the tissue in the trash. 
  • Clean and disinfect frequently touched objects and surfaces.
COVID-19 Articles