Allsouth Federal Credit Union

In 2010, Allsouth Federal Credit Union celebrated its golden year of providing phenomenal financial services to its members that now number over 95,000.

Such an impressive achievement further increased its asset base to over $ 575 million. The credit union takes special pride in its state-of-the-art Allsouth Federal Credit Union online banking system - which includes mobile banking, text message banking, and the pioneering FinanceWorks.

The latter provides an easy-to-use and convenient solution to help you: manage your accounts across 5,000 plus institutions, evaluate your spending patterns and helps you find ways to save, make sure that your bills are paid on time, and helps you realize how much available spending money you really have. FinanceWorks assist you to manage your budget and helps you to reduce your debt. At Allsouth Federal Credit Union, the convenience and comfort of its members and customer is paramount.
Membership and Location

AllSouth Federal Credit Union operates 21 full service branch offices and more than 60 ATM locations in various parts of South Carolina - Columbia, Sumter, Cayce, Irmo, Lexington, Newberry, Saluda, Ballentine; and at 6 Wal-Mart Supercenter branches in Batesburg, Camden, Sumter, Winnsboro, Platt Springs Road and Killian Road.

At Allsouth Federal Credit Union, once a member will always be a member.
Anyone who lives, works, worships or attends school in Richland, Lexington, Newberry, Saluda, Fairfield, Sumter, Kershaw or Calhoun Counties is eligible to join the credit union. Immediate family members of current members are qualified to join At Allsouth Federal Credit Union.

Credit Card Program

The credit card programs of Allsouth Federal Credit Union are the following:

• VISA Signature Card - no annual fee; special $25 bonus and 0% Introductory APR; unlimited 1% cash back or travel, gift certificates, and merchandise rewards.
• VISA Platinum Card - no annual fee, 0% Introductory APR, low rates and generous credit lines.
• College Rewards VISA Card - no annual fee; 1,000 bonus points on first use, reward points redeemable for discounted airfare, gift cards, or even cash.
• Young Adult VISA Card - no annual fee, opportunity to build or rebuild credit, quick approval with a co-signer.
• Secured VISA Card - low annual fee, opportunity to build or rebuild credit, flexible credit lines based on security deposit ranging from $300 to $5,000.

Other Loan Products and Services

Allsouth Federal Credit Union offers other loan products that that fit your needs and budget such as:

• Fixed and adjustable rate mortgage and home equity loans
• Auto loans for new and used vehicles with flexible terms and 100% plus financing for qualified borrowers
• Boat/motorcycle loans
• Personal line of credit through Check Guard Plus
• Personal loans

Its other ground-breaking products include:

• Savings account include share savings account. A deposit of $10 is all it takes to open the Share Account or membership account and a balance of $100 or more will earn dividends. There is no required membership fee open the account.
• Kid’s Club account
• Checking accounts such as the Freedom Checking Account with no minimum balance requirement, no maintenance fees, and no per-check fees; Elite Checking, Bridge Account Checking for Teens
• Share Certificates, IRAs, money market accounts, secondary savings account, Christmas Club Account, Cookie Jar Club Account

Bad Credit and No Credit History

True to its mission of being committed to the philosophy of 'people helping people' to assist its members in meeting their financial goals, Allsouth Federal Credit Union is one of the few credit unions that have a VISA credit card specifically for those with bad credit history or those just starting to build a credit track record. It is one of the few institutions that specifically encourage credit card applications from them. As stated above, its Young Adult VISA Card and Secured VISA Card are for these purposes.

Now that a window of opportunity has been opened for you by Allsouth Federal Credit Union, you have to do your part by being a wise spender and paying your credit card on time. Never mind if there is an annual fee and security or co-signor is required. Second chances like these are hard to come by. Don’t waste it - for it may never pass your way again.


Source: Credit Cards For People With Bad Credit Rating

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