Product & Service FAQs

Can I join SCCU?

If you're in our membership area, you can! See if you're eligible or apply for membership online.

What is SCCU’s routing number?

Our routing number (or ABA number) is 261388325.

Is my initial $25 deposit a membership fee?

No, it is the minimum deposit amount, not a fee. It is not available for withdrawal until the account is closed.

Do I have to have a checking account to have a debit card?

SCCU offers a free debit card as an option with our Share Draft (checking) account. However, if you do not have a checking account, you still have some card options available to you. Learn about our Everyday Spend Card and other options.

What are your current rates?

Great question! See our deposit rates or our loan rates.

Can I add someone else onto my account?

If you are the primary owner on your account, you may add someone else as a joint owner. You and the person you’d like to add should come to a branch together – and don’t forget to each bring at least one form of current, government-issued ID. Also keep in mind that joint owners must sign themselves off of accounts if the need arises.

What are SCCU’s wiring instructions?

Send wire to:

Volunteer Corporate Credit Union
2460 Atrium Way
Nashville, TN 37214
ABA# 264182395
Swift Code: CCUNUS55 (international wires)

Beneficiary Bank:
Scenic Community Credit Union
4503 Hixson Pike
Hixson, TN 37343
ABA# 261388325

SCCU Member, Name, Address, and Account Number

Can I change my debit card PIN?

Yes, you can call 1-866-985-2273 from the phone number you have associated with your account. If you are needing to update your phone information, please send a conversation through online banking or stop in your local branch. 

I just got a new loan.  Will I get a payment book?

SCCU does not give out payment books with loans. Your payment amount and due date are included in the paperwork you get when you receive your loan. You will also receive a monthly statement in the mail for your loan account(s), and if you are signed up for Online Banking, you can opt to receive these as e-statements. You can also set up your loan payment online using our Loan Pay Express system, which allows you to pay your SCCU loan from any financial institution.

Credit Union FAQs

What’s a credit union?

A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.

Who owns a credit union?

Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn't operate in that manner. Rather, each credit union member owns one "share" of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.

How did credit unions start?

The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.

What is the purpose of a credit union?

The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are not-for-profit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.

Are savings deposits insured?

Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.

Who can join a credit union?

A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group.

Who can join SCCU?

SCCU serves the Chattanooga and northeast Georgia area. See if you're eligible to join.