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The credit union idea is a simple one: people should be able to pool their money and make loans to each other. It's an idea that evolved from cooperative activities in 19th century Europe. Since that time, the idea's guiding principles have remained the same: (1) only people who are credit union members should borrow there; (2) loans are made for "prudent and productive" purposes; (3) a person's desire to repay (character) is considered more important than the ability (income) to repay. Members are, after all, borrowing their own money and that of their friends. These principles still govern most of the world's credit unions.

1st Cooperative Federal Credit Union was originally founded as the South Carolina Electric Cooperative Employees Credit Union on April 20, 1970. In 1999 our name was changed to 1st Cooperative Federal Credit Union after we became a federally chartered credit union--a change that will help us grow with you into the future.