ood things happen at - SRP Federal Credit Union

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48th Annual Report
Good things happen at
FEDERAL CREDIT UNION
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BOA RD OF DIRECTORS
Bruce Burns
Chairman
Roy Geiselhart
Vice-Chairman
Larry Laughlin
Treasurer
Goldie Randle
Secretary
Sandra DeVoe Bland
Chuck Goergen
Anthony Grant
Our goal is to continue to improve our service and accessibility to you, our member
owners.
Larry Pridemore
Mary Thomas
Don Turno
Louisiana Wright
Our employees make our credit union what we are. They strive diligently to provide
you a high level of quality service in a caring manner. Without them, we would be just
another financial institution.
2008 was a very challenging year. Our credit union remains financially sound and
strong. The sub-prime mortgages caused a ripple effect to our economy. Consumer
confidence fell and people reduced their spending all of which led to an economic
downturn. Many people saw reduced earnings through loss of overtime, reduced work
hours and for some, the loss of a job. This has affected the delinquency at our credit
union as people are not able to pay for their cars, boats, or in a few cases their homes.
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Our delinquency still remains about 60% of the national average for credit unions. I
think this reflects on the quality of our members. Let me add that our credit union did
not and will not make the sub-prime mortgages that are causing the current problem.
Some of the milestones for 2008 were:
• We began construction of our new Administrative Campus and full service
branch on US 25 and Walnut Lane in April. The steel is up and you can visualize
the new facility. We expect to occupy this facility by the end of 2009. This facility
will replace our current offices in the BTC building.
• We completed remodeling the interior of our North Augusta branch in October.
This branch now offers our members the same privacy as all our other branches.
As you may recall, this was our first new branch and was opened in December of
1990. We appreciated your understanding during this remodeling period.
• The conversion to our new computer operating system was completed as
scheduled in early November. We also appreciated your understanding during
this conversion.
• We introduced deposit taking ATMs at our Burnettown and Richland
branches. These ATMs accept deposits of checks and of currency. Our
plans are to install 8 more at key branches. Your use of these machines
reinforces our belief that this is a good use of credit union funds.
We also have three additional service improvements that are coming in 2009:
• We continue working with the City of Allendale on a location for our
new branch. This branch will be located adjacent to the current drive
thru ATM. We plan to have the branch operational by mid 2009.
• We have outgrown our Martinez branch which opened in
February of 2002 and have purchased land on Davis Road around
the corner from the existing branch. We plan to begin construction
of a full service branch the second quarter of 2009.
• We also plan to add a drive thru facility to our Edgefield branch
the second quarter of 2009. This facility was designed so we could
easily add the drive thru addition.
In closing, your Board of Directors remains dedicated to serving our
member owners. “Good Things Happen at SRP” remains the objective of
your Board of Directors.
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PRE S IDE NT’S REPORT
Ed Templeton
President
Faith Ann Borst
Vice President
West Division Branches
Dick Coleman
Vice President
Lending
Ed Presnell
Vice President
Administrative
Services
Jean Roper
Vice President
Member Business Services
Clifford Rushton
Vice President
Information
Technology
Woody Shuler
Vice President
Finance
Steve Wilson
Vice President
East Division Branches
The only thing certain in life is change. Have you ever done the experiment where you cross your arms and then you are told to reverse your arms and
cross in the other direction? If you do this, it really does feel odd. Why is change so uncomfortable? Change is so inevitable in our lives that one would
think we would get used to it and even embrace it. 2008 was a year of change for your credit union.
But the real change in 2008 didn’t happen inside SRP Federal Credit Union. It happened in the free market place of the world. Economic down
turn, subprime lending, mortgage meltdown and Wall Street abuse reoccurred as daily headlines. This year of change culminated with a complete
and total shift of power in Washington, DC. Your credit union’s financial performance in light of all these changes was positive. We ended the
year just as strong, just as dynamic, and just as committed to the future as we were when we began the year.
SRP FCU’s most notable change was the data processing conversion on October 31. This completely replaced all processing systems within
the credit union. It changed everything that we did and affected every member’s account. The conversion was successful. No one’s money
was lost, no one’s account numbers were lost, plastic cards worked before and after the conversion, and we opened on schedule.
Was our service level interrupted? Absolutely! For at least a week after the conversion, the switchboard was jammed, there were
lines in the branches waiting for member service, and we were fielding questions continuously. Most of this was a result of people
being unable to access their accounts through the home banking product. One-third of the home banking users required some
type of staff intervention to access their account. This was accomplished within the five days following the conversion.
The changes were positive: quicker teller line access, quicker and more efficient member service both in person and on the
telephone, quicker statement processing, and the ability to add new functions and services in the future. The most notable
change is providing cross-member access through home banking.
Another big change was real time deposit capability at ATMs, something we had long promised and had been unable to
deliver. It finally happened in November 2008 when we rolled out the first two machines. Others will follow in 2009 as
we methodically work our way through the branch network.
SRP Federal Credit Union worked through these events. We succeeded because of our most important asset, you the
member. We value you and are here to serve your needs, and as long as we focus on these two things, we will remain
strong, we will remain vibrant, and we will have a bright future. We are ready for the changes of 2009.
The letters in the word “TEAM” are often equated to the phrase “Together Everyone Achieves More” – a good
paraphrase for the credit union mantra of “People Helping People.”
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S UPE RV IS ORY COMMITTEE REPORT
Terry Meeks
Edie Corley-Stone
Mark Utley
The Supervisory Committee represents the credit union membership. Its mission is to
ensure that the credit union’s operations conform to the Federal Credit Union Act and
the rules and regulations of the National Credit Union Administration (NCUA). The
Committee’s responsibilities include ensuring all audits, account verifications, and
acceptable business and accounting practices are followed. The Committee responds
to all member complaints forwarded through the NCUA.
Orth, Chakler, Murnane, and Co., was hired again this past year as our external
auditors. Their latest findings dated August 8, 2008, for the year ended March 31,
2008, reported no areas of concern with financial reports or internal controls.
Chairman
This year’s NCUA examination was performed on April 4, 2008 for the period ended December 31, 2007. From their review of the
financial statements, federal regulations and internal controls, the NCUA found no material problems in any areas of the credit union.
The Supervisory Committee would like to thank the employees of SRP FCU for their dedication and hard work during the data
processing conversion. I’m sure they felt like they put their lives on hold while they trained for the new enhanced data system.
This new system will enable SRP FCU to continue to run in a safe and sound manner.
As noted above, the Supervisory Committee is pleased again this year that the external auditors and the federal regulators have
given SRP FCU a clean bill of health. SRP Federal Credit Union is a safe, sound financial institution and will continue to
run that way in the future.
C RE DIT C OM MITTEE REPORT
Lonnie Gordon
Chairman
Melinda Brinkley
David Chostner
Lauretta Gordon
J.K. Lepp
Your Credit Committee reviewed 4,382 loan applications in 2008, which was an increase of 641 applications (+17%) compared with 2007.
Our loan volume is heavily dependent on car and home sales so it is understandable that loan demand might be lessened given the negative
economic news from both the automotive and real estate industries. Although our consumer and mortgage loan volume was down slightly
from 2007, we still had a very good year with combined loan volume of $150,460,779 which led to a healthy gain in loan outstandings of
$17,468,348 or a growth in our loan portfolio of 5.43%.
During 2008, we were very aggressive in the Mortgage Department, in our Recovery Department and in the branches trying to offer solutions to our members who were struggling to make their loan payments. We offered the “Sweet Dreams” deferment program during the
summer and have been trying to proactively help our members head off problems before they develop into real financial difficulty.
Unlike some other lenders, we have not tightened our lending criteria since it is our mission to help our members finance their dreams. It’s
as easy for our members to get a loan at SRP Federal Credit Union today as it was 1, 5, or 25 years ago.
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The following financial statements present the financial position of SRP Federal Credit
Union as of December 31, 2008 and 2007 respectively, and the results of operations for the
years then ended.
Treasurer’s Report
COMPARATIVE BALANCE SHEET
ASSETS
Cash
Corporate Credit Union Investments
$
Investments
2008
December 31
17,242,973
26,843,494
$
56,522,477
Loans, Net of Allowance for Loan Losses
2007
19,254,185
38,800,389
$
46,693,178
Increase / (Decrease)
$
%
(2,011,212)
(10.45%)
9,829,299
21.05%
(11,956,895)
(30.82%)
338,825,841
322,041,111
16,784,730
Property & Equipment, Net of
Accumulated Depreciation
23,260,356
20,230,035
3,030,321
14.98%
Other Assets
16,289,626
4,892,348
11,397,278
232.96%
Accrued Interest Receivable
1,865,203
Share Insurance Capitalization
TOTAL ASSETS
4,275,239
$ 485,125,209
LIABILITIES AND EQUITY
Accounts Payable
Dividends Payable
Share Drafts
Shares
Share/IRA Certificates
Regular Reserve
Undivided Earnings
TOTAL LIABILITIES AND EQUITY
1,811,844
$
2008
3,995,963
887,098
99,852,413
279,276
$ 457,719,053
December 31
3,700,480
53,359
$
2007
5,087,167
1,381,985
91,174,683
$27,406,156
$
$
9.52%
10,060,807
0
$ 485,125,209
$ 457,719,053
%
8,677,730
(494,887)
10,060,807
36,559,584
5.99%
(27.26%)
9,925,581
38,410,400
6.99%
(1,386,687)
159,314,484
154,140,343
2.95%
Increase / (Decrease)
169,240,065
162,973,946
5.21%
(35.81%)
6.23%
8,833,603
5.73%
1,850,816
5.06%
$27,406,156
0.00%
5.99%
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COMPARATIVE INCOME STATEMENT
OPERATING INCOME
Interest on Loans
Income from Investments
$
2008
December 31
23,133,082
3,353,370
$
2007
22,540,687
8,735,680
(712,083)
(8.15%)
Net Interest Income
18,462,855
17,855,995
OPERATING INCOME AFTER DIVIDENDS
$
12,873,438
31,336,293
OPERATING EXPENSE
Employee Compensation & Benefits
Occupancy & Equipment
$
Data Processing & Professional Services
14,174,588
6,057,541
$
531,313
Other Operating Expense
Net Operating Income
$
10,770,408
2,103,030
28,626,403
2007
13,100,836
5,490,638
$2,709,890
$
1,073,752
9.47%
8.20%
244,367
(107,972)
(44.18%)
3,009,768
238,802
7.93%
381,823
(80,636)
2,168,521
1,230,288
938,233
2,866,558
$
19.53%
10.32%
2,072,672
1,850,815
3.40%
566,903
25,759,845
515,560
(1.73%)
Increase / (Decrease)
$
%
27,832,517
3,503,776
Less: Provision for Loan Losses
606,860
611,949
3,248,570
Total Operating Expense
(465,223)
3,302,287
136,395
Marketing & Promotion
CHANGE TO UNDIVIDED EARNINGS
December 31
3,684,110
Member Insurance
Non-Operating Items
2008
$
2.63%
(17.22%)
26,951,675
Other Income
592,395
%
(697,618)
26,486,452
8,023,597
Increase / (Decrease)
4,050,988
Earning Asset Income
Less: Dividend/Interest Expense
$
(142,074)
1,494,195
$
11.56%
(13.18%)
8.05%
637,218
22.23%
657,634
462.88%
356,620
76.26%
23.87%
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Comparative Analyses
Undivided Earnings
2008
2007
BEGINNING BALANCE - JANUARY 1
$
36,559,584
$
35,065,389
ENDING BALANCE - DECEMBER 31
$
38,410,399
$
36,559,584
TA BL E OF CONTENTS
Change to Undivided Earnings
1,850,815
1,494,195
Liability and Equity Distribution
Drafts
20%
Certificates
34%
Payables
1%
Payables
1%
Undivided Earnings
8%
Shares
35%
Reserves
2%
Undivided Earnings
8%
Allowance for Loan Losses
BEGINNING BALANCE - JANUARY 1
Charged-Off Loans
Recoveries on Charged-Off Loans
Provision for Loan Losses
ENDING BALANCE - DECEMBER 31
Shares
35%
Reserves
2%
2008
Adjustments to ALL
Drafts
20%
Certificates
34%
2007
2008
2007
$ 1,252,354
$ 1,062,756
160,223
244,212
(1,659,560)
(1,284,902)
2,168,521
1,230,288
$ 1,871,764
$ 1,252,354
(49,774)
0
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450
Page 9
Growth In Loans Compared To Shares
400
350
Millions
137220_09AnnualReport:Layout 1
300
250
200
150
100
50
2003
2004
2005
Loans
2006
2007
Shares
2008
Membership Growth
2008
2007
2006
2005
2004
2003
40
45
50
55
60
65
70
Thousands
75
80
85
90
95
Assets
2008
2007
2006
2005
2004
2003
120
140
160
180
200
220
240
260
280
300 320
340
Millions
360
380
400
420
440
460
480
500
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In Memory Of...
Edith K. Abendschein
Annie L. Abney
Annie Abney
Donald P. Adair
Weldon Adams
Herbert T. Agee
Charles Aldrich
Joseph Allen
William Altman
Patricia A. Amaker
Allen Amaker
Guy A. Ames
Ronald F. Anderson
Arlene Anderson
Patricia L. Anzalone
Sandra E. Ashley
Franklin Aubert
Carolyn B. Aycox
Richard Baisley Sr.
Robert E. Baldock Jr.
Herbert Bamberg
William Baxter
Roy B. Baynham
Sheila Bean
John C. Beard Jr.
Charles C. Beason
Glenn S. Beaufort
Valerie Beckom
Talmadge D. Belding Jr.
Beverly Belk
Ernest Bell Jr.
James R. Bell Jr.
Christina C. Bennett
Rosa Bennett
Frank D. Bertrand
Vena D. Best
Dorothy B. Biggs
Brenda D. Bishop
David C. Blocker
Johnas H. Boatwright
Ellie Elaine Bonnett
Richard Bookstaver
John Boothe
Sarah H. Botkins
Henry A. Botkins
Kenneth Bradford
Mattie H. Bradley
Algernode A. Bradley
John P. Bray
Kathleen Brennan
P. A. Brock Jr.
James H. Brodie
Theodore Brooker Jr.
Lillie Bruce
Sherry P. Bryant
Wyman Bryant
James G. Burckhaulter
Harry Burdette
Reginald A. Burris
Herman D. Butler
Emma Mae Butler
Christine W. Butler
John H. Butterfield
Marvin Kermit Carlson
Macey H. Carnley
Floyd Carr
Sara L. Carr
Sharon Carson
Dewist G. Carter
James C. Cato
Douglass S. Cawthon
Patricia B. Chapman
Dennis L. Chauncey
Eddie L. Chavous
Fred B. Chavous
James C. Childs
Irene P. Clanton
Ronald R. Cliett
Bonnie J. Cockrell
Mae G. Cogdill
I. L. Coker
Barbara Coleman
Edward J. Collins
Ronald L. Collins
Louie E. Conner
John M. Cook
Mary Craft
Michael P. Crean
Dorothy Creed
Betty Jo Collins Creighton
William H. Curtis
Charles Dale
William A. Daniel
Donna Marie Dante
Woodson B. Daspit
John M. Davidson
Angeline H. Davis
Antwavious L. Dawson
Sonya D. Dearring
Eugene H. Decker
Pearl J. Deloach
Aaron M. Deming
Eleanor L. Denham
James E. Derrick
Marquerite L. Dorn
Allison H. Dorn
Virginia H. Douglas
Gertrude O. Druelle
Eddie E. Drummings
Richard Dunbar
Roger Dunbar III
Sandra K. Duvall
Teresa Edmonds
Robertha Edwards
Jessalyn M. Edwards
Willliam Edwards
Myrtie M. Egbert
William English Sr.
Curtis R. Etterlee
Heyward E. Eubanks
James F. Fabian Sr.
Crystal H. Fanning
Louise Felder
William L. Felty
James W. Fenimore Sr.
Willie M. Filyaw
Dorothy M. Fisburne
Peter Fledderman
Javier N. Flores
John Henry Foster Sr.
William D.S. Fournier
Michael Frank
Henry D. Freeman
Charles P. Fulmer
Louise K. Fulmer
Juanita W. Galloway
Bonnie H. Garrick
John Garrison
Robert L. Gentry
Charles T. Gill
Thurman Gillis
B June Gleim
Annie L. Gossett
Thomas A. Grant
Gloria M. Green
Solomon C. Greene
Eva M. Greene
Alton Griffin
Anthony D. Grogan
Woodrow Gunter
Allen D. Hagood
Manning J. Hall
Timothy Charles Hall
Jeanette B. Hamlet
Robert O. Hamrick
Golphin Hankinson Sr.
Angela Hardee
Margaret C. Harless
Harold Harmon
J. R. Harrison
Polly Hartley
Diane G. Hawkins
Ralph Charles Haywood
Thomas D. Hegler
Gretchen Hernandez
William B. Hewston Jr.
Donna J. Hickman
William C. Hicks Sr.
Jeffery C. Higgenbotham
Gerald Hitchcock
Wanda A. Hite
John C. Hough
Wesley L. Howarth
Steve A. Hudson
Joseph C. Hughes
John Humphrey
Shirley Hurt
Deborah B. Hutto
Wayne A. Hutto
Kimberely W. Irvin
Robert D. Ivey
Walter Jackson III
James E. James
Arthur H. Jocher II
Edith C. Johnson
L. S. Johnson
David Johnson
Vera-Heaton Johnson
Robert S. Johnson
James W. Johnson
Albert Johnson
Robert E. Jones
Mary W. Jones
William H. Jones
Tommie Jones
Mary B. Jones
Carroll E. Jones
Betty J. Jones
Gloria J. Kaney
David M. Keys
Gary Wayne Kinney
Cynthia J. Knights
David B. Krall
Lonnie Kuehl Sr.
Robbie L. Landrum Sr.
P. R. Leboeuf
Luvenia L. Lee
Lieselotte M. Lenz
Lawrence U. Leopard
Andrew J. Lethco
Mary A. Lewis
William C. Linton
Bruce Longtin
Elizabeth P. Lott
Jessie J. Lurk
Annetta Mackie
David R. Maffett
John F. Maher
Michael D. Marchant
Linda M. Marshall
Robert Martin
Elbert J. Mayson
Evelyn B. McAlister
Billy J. McCormack
C.E. Mccormick
Michelle D. McDavid
James A. McElmurray
Helen W. Mcgee
Laverne L. Mcgee Jr.
John C. McGlothlin
Norman H. Mcintyre Jr.
Jeffery J. McLeod
Margaret E. Mcneil
Anabell Mcqueary
Cheryl R. Merriett
James Metts
Claire S. Meyers
Virginia L. Midgett
William Miller
Patricia A. Miller
Perry A. Miller
Wendell Mims
James R. Mishoe
Sam A. Mitchum
George Mock Jr.
Velma D. Moody
Nicholas A. Moore
Marlene J. Moran
Kristin D. Morava
Robert C. Morey
Boulware Pitts Moseley
Dorothy S. Moss
Carolyn H. Mosteller
Charles W. Mudge
Samuel E. Murray
Dianne Mutiner
Michael K. Myrick
G. E. Nance
Juanice M. Newman
Linda H. Nolan
Bonnie L. Norris
Janie M. Obryant
Augustus R. Oglesby
C.A. Olsen
E. Ostriker
Woodrow Ouzts
Paula W. Overby
James B. Padgett
John D. Padgett
Edith M. Paige
Walter R. Palmer
Annette W. Parker
Rory K. Partin
Mamie L. Patterson
Butler Patterson Jr.
Walter R. Pauley
Elizabeth D. Pearson
Annie R. Pearson
Alice W. Percival
Nancy M. Peters
Nancy E. Phillips
Helen L. Philpott
Catherine B. Pickett
Asfer G. Pollock
Michael A. Polochko
Marilea A. Polson
Joseph R. Pond
Louis P. Powell
Hezekiah Pressley Sr.
Christine Caudill Priester
Kenneth L. Purtz
Eunice W. Ramsey
Charles J. Rapp
James Ray Sr.
Ernest W. Ready
Ee Reddick
Janice H. Reedstrom
J J. Reedy
Norman L. Reese
Mary J. Renner
Talmadge E. Reynolds Sr.
John B. Richardson
Charles E. Riley
Bryan W. Ritenour
Charlie Roberts
James R. Robertson
Betty M. Rodgers
David C. Rogerson
Helen R. Rosier
Daniel I. Ross Jr.
Dennis C. Rountree
Leroy Rutland
Mylinda S. Sanders
Hattie S. Sanders
Keysha N. Sanderson
Anita H. Sandifer
Otis P. Sandifer
James A. Sangster
Edna Sanon
James Sapp
Charlie T. Saunders
Donna M. Saunderson
Christine B. Sawyer
Johnette Saxon
Christina I Schilling
Dorothy G. Scott
Pearl M. Scruggs
Cecil B. Scruggs
Patricia A. Seely
Michael D. Serrato
Clyde D. Shiver
Neal O. Sides
Betty D. Simmons
Jim Simpkins Jr.
Ann F. Smith
David E. Smith
Sallie L. Smith
James C. Smith
Travis D. Smith
Phyllis Smith
Bernice Smith
Johnnie W. Smith-Graham
Thomas O. Smoak
Richard H. Smyly
Melvie Spangler
Johny E. Spear
Robert E. Stafford
N. Stallings
Albert F.Stank
John J. Stanwick
Barbara G. Stevens
Eirby R. Still
Johnny W. Still
Gladys B. Stone
Mary A. Stone
Doris Stone
Phillander Strickland
Carrie B. Swearinger
Calvin Swinger
Dorothy M. Thomas
Shirley A. Thomas
Grady W. Thomas
Rosa L. Thomas
Margie Thomas
Ozzie Thomas Sr.
John R. Thomas Sr.
Jessie Thurmond
James H. Tillman Jr.
Eloina Torres
Kathryn C. Treadway
Betty K. Turner
Gene E. Uldrick
Minnie L. Valentine
Lisa Vause
Ruth V. Vero
Helen P. Villasor
James V. Wall
Wilson Wallace
Florence J. Walls
Lucille C. Walton
Clifford G. Walton
Gaines B. Washburn
Betty J. Waters
Robert B. Watson Jr.
Beatrice M. Weeks
Joseph C. Welch
Martha P. Weldon
Reginald Wells
Willie B. Whisenant
Marilyn M. Whitley
Laverne Widener
Douglas A. Wilder
Aurelia E. Wilkins
Paul Wilkinson
William A. Williams
Mary C. Williams
Zonnie J. Williams
Jacqueline L. Williams
Kissiah H. Wills
Donald W. Wood
James D. Wooden
Ander V. Woodward Jr.
William J. Woodward Jr.
Joe Wright
Christopher A. Yonce
Markeith Youmans
Harold K. Young
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Branches and ATMs
South Carolina Branches
and ATMs
Aiken
Aiken Regional Medical Centers
302 University Parkway (1st Floor)
Aiken, SC 29801
Walk-up ATM
Pine Log Road Branch
750 E. Pine Log Road
Aiken, SC 29801
Drive-through, Walk-up ATM
Mortgage Loan Officer Available
Richland Avenue Branch
3559 Richland Avenue, West
Aiken, SC 29801
Walk-up ATM
*Richland Avenue Express
3515 Richland Avenue
Aiken, SC 29801
Walk-up ATM
Rutland Drive Branch
390 Rutland Drive
Aiken, SC 29801
Drive-through ATM, Walk-up ATM
Silver Bluff Road Branch
1060 Silver Bluff Road
Aiken, SC 29803
Drive-through ATM, Walk-up ATM
Site Branch
Savannah River Site
730-4 B Building
Aiken, SC 29803
Barnwell
Barnwell Branch
10660 Dunbarton Boulevard
Barnwell, SC 29812
Drive-through ATM, Walk-up ATM
Burnettown
*Burnettown Branch
2521 Jefferson Davis Highway
Warrenville, SC 29851
Drive-through, Walk-up ATM
Edgefield
Edgefield Branch
225 Apple Square Plaza
Edgefield, SC 29824
Drive-through ATM, Walk-up ATM
North Augusta
Administrative Center and BTC
Branch
BTC Building
802 E. Martintown Road (4th Floor)
North Augusta, SC 29841
North Augusta Branch
403 W. Martintown Road
North Augusta, SC 29841
Drive-through ATM, Walk-up ATM
*North Augusta Express
605 E. Martintown Road
North Augusta, SC 29841
Drive-through ATM, Walk-up ATM
North Augusta Loan Center
North Augusta Plaza
356 East Martintown Road
North Augusta, SC 29841
Walk-up ATM
South Carolina
ATMs Only
Beech Island
Old Jackson Highway
Beech Island Credit Union
143 Old Jackson Highway
Beech Island, SC 29842
Drive-through ATM
Clearwater
Midland Valley Shopping Center
4461 Jefferson Davis Highway
Clearwater, SC 29822
Drive-through ATM
Graniteville
Bridgestone Firestone
1 Bridgestone Parkway
Graniteville, SC 29829
Walk-up ATM
Curgin's Corner
3446 Jefferson Davis Highway
Graniteville, SC 29829
Walk-up ATM
Jackson
703 Burroughs Street
Jackson, SC 29831
Drive-through ATM, Walk-up ATM
New Ellenton
Rainbow Gas Garden
519 North Main Street
New Ellenton, SC 29809
Walk-up ATM
Allendale
250 Main Street
Allendale, SC 29810
North Augusta
North Augusta Public Safety Complex
400 East Buena Vista Avenue
North Augusta, SC 29841
Walk-up ATM
Barnwell
Rainbow Gas Garden
10354 Dunbarton Boulevard
Barnwell, SC 29812
Walk-up ATM
Site
730-4B Building
H Area
H Area Training
All are Walk-up or Lobby ATMs
Williston
Junior Food Mart
228 Main Street
Williston, SC 29853
Walk-up ATM
Georgia
Branches and ATMs
Augusta
Broad Street Branch
771 Broad Street
Augusta, GA 30901
Walk-up ATM
Peach Orchard Road Branch
Windsor Square Shopping Center
3120 Peach Orchard Road
Augusta, GA 30906
Drive-through ATM
Tobacco Road Branch
Augusta South Square
2215 Tobacco Road
Augusta, GA 30906
Drive-through ATM, Walk-up ATM
Evans
Centre at Evans Branch
4451 Washington Road
Evans, GA 30809
Walk-up ATM
North Belair Road Branch
100 SRP Drive
Evans, GA 30809
Drive-through ATM, Walk-up ATM
Martinez Express
200 Rose Street
Martinez, GA 30907
Drive-through ATM, Walk-up ATM
Georgia
ATMs Only
Augusta
Harper Street
Health Center Credit Union
1467 Harper Street
Medical College of Georgia
Augusta, GA 30912
Walk-up ATM
Lake Olmstead Stadium
Home of the Augusta GreenJackets
78 Milledge Road
Augusta, GA 30904
Walk-up ATM (inside Souvenir
Shop)
Wheeler Road
CSRA Federal Credit Union
3749 Wheeler Road
Augusta, GA 30909
Walk-up ATM
Martinez
Columbia Road
University Health Federal Credit Union
4106 Columbia Road
Martinez, GA 30907
Walk-up ATM
Martinez
Martinez Branch
West Town Market Square
3830 Washington Road
Martinez, GA 30907
Drive-through ATM
*Deposit Taking ATMs.
More coming soon.
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Our Mission
SRP Federal Credit Union exists to serve our Member Owners.
Our Vision
We will be the Primary Financial Institution for our Member Owners.
We will be a long-term provider in the Financial Services Industry.
We will deliver the highest possible quality service at all times to our Member Owners.
We will recognize the invaluable contribution employees make to the success of the credit union.
www.srpfcu.org