At SCE Credit Union, when you open an account, you also become an owner. Expect outstanding service, great rates, and personalized treatment that values you as an individual, not a number. We’re here to help you manage your money and guide you in the right direction.

Why choose us

Open an account and choose from these options…


A savings account is automatically opened to establish your membership in the Credit Union.1 It makes you an owner of the Credit Union, which is part of what makes us different than a bank.

As our gift to you, we’ll make the required $5 opening deposit into your SCE Credit Union Savings account!


Our Checking1 account is free to open and features:

  • No required opening deposit or minimum balance
  • No monthly service fees
  • Visa Debit Card for purchases, using the money in your account
  • Mobile app to check account balances and deposit checks
  • Mobile payments through Apple, Google or Samsung Pay

Visa Credit Card

Let us help you build credit early – the right way!

  • 2.90% APR introductory rate2
  • $500 credit limit
  • No annual fee
  • Parent must be on the account and meet credit qualifications
  • Identity theft monitoring3

Auto Loan

Getting an auto loan through the Credit Union is a great way to help build your credit as you make on-time monthly payments.

  • New or used cars
  • Low interest rates
  • Loans up to $25,000
  • Repayment terms up to 72 months4
  • Teen must be at least 16 years old to apply
  • Parent required on account and must meet credit qualifications

Optional add-ons and services:

  • Guaranteed Asset Protection (GAP)
  • Mechanical Breakdown Protection (MBP)
  • Auto Buying Service – we’ll help you find and finance it
  • Insurance Services

Credit Builder

A Credit Builder5 account is a loan and a savings account combined… and it’s one of the best ways to build your credit score.

Here’s how it works:

  • We give you a loan of $250 and deposit the funds into a secure savings account for you, where it earns dividends
  • You make on-time monthly payments of $29 for 9 months, based on simple terms we both agree upon
  • As you repay, we report your good payment history to the credit bureaus, which helps establish your credit score
  • As you make payments, the funds from the secure account are made available to you6 – or you can leave the money in the account to earn more dividends

Pro Tip! Set up a monthly automatic transfer from your checking account to ensure payments are made on time, helping to build your good payment history. Too easy!

1Your $5 required opening deposit into Savings to establish membership will be paid for by Credit Union. 2Free Checking is available to members ages 18 and older. Teen Checking is available to members ages 12 to 17. Checking accounts are subject to ChexSystems. 3Standard introductory period is six billing cycles, after which balances are converted to the fixed rate at that time. Foreign Transaction fee is 1%. 4ID Navigator Powered by NortonLifeLock. 5Auto Loan Rates and terms. 6Available to members age 18 and older. Teen Credit Builder is available to members ages 16 to 17. 7Amount of funds made available to withdraw is based on payment amount, interest paid, and dividends earned.