The Member Newsletter
November 2022
We're remodeling our office to better serve you
Our office will be closed to in-person cash transactions from now until mid-December. But you can use our Online Banking, Mobile Banking app, and the online forms available here to manage your account while in-person transactions are limited. We're also just a phone call away at 803-796-0234.

What does “closed to in-person cash transactions” mean?
During the office remodeling, we will not be able to handle cash transactions, but we will be able to print checks, monitor and process mail, and be right by our phones for member inquiries. In other words, we can do everything except cash checks and complete cash withdrawals.

What if I want to obtain cash from or deposit cash to my credit union account?
Use one of the many convenient shared branches at credit unions across the state. Find the shared branch closest to you by visiting

What if I’m getting a loan and need the check that day?
We will continue to mail checks or even coordinate with our members to hand off loan proceeds at our Cayce location when needed. (When needed, members may request expedited delivery of checks for a fee.)

What are my options to contact the credit union?
We are available by phone at (803) 796-0234 and by visiting
How to text us to obtain your balance
mobile banking
Members can sign up for the ability to text a number and obtain their balances. In Online Banking, under the Mobile tab, enter your mobile phone number and select “save.” An activation
code will be sent to your mobile phone. Enter the code and select “activate.” From there, select the “SMS Banking” box to authorize us to send your account balances and history via text message and the “SMS Alerts” box for custom text alerts about your account. Remember to select “Save Changes” before closing your internet browser.

By following these simple steps, you can text “BAL” to 71806 to receive your account balances via text to your mobile device.
We are thankful 
For many of us, November is a month when we reflect on how thankful we are. Families gather, share a meal, share stories and experience joy, laughter and love. Our team offered their thoughts below.
Ashley Beach-Reid
Ashley Beach Reid
Vice President & COO
I am thankful for my parents!
Deuteronomy 5:16 ESV says, “Honor your father and your mother… that your days may be long, and that it may go well with you…” My father spent the most of my childhood being my superhero and my mom my nemesis. Isn’t that how it is with daddy’s girls?

The pendulum didn’t shift, but as I aged my mom became my place of consistency and love, and my dad became my wisest advisor. As time went on, my mom, unbeknownst to her, became my hero, wisest advisor and place of consistency and love.

My mom carried the weight my father could no longer carry due to
dementia. And so now I get to honor my dad without him knowing
it. It may seem disappointing, but I think it is the purest kind of
honor. For my mother, who continuously amazes me on how she
shows up in my life, I honor her by showing up as her daughter
where and when I can, even while being my own woman, wife and mom.

I’m thankful for my parents, the good they gave of themselves to me and the way they loved me.
John Middleton
Loan Officer
I am thankful for my beautiful wife, who makes life better every day. I am thankful for our life together with our nine-year-old daughter, Olivia, and enjoying my older daughters, Megan and Madison (not pictured).

I’m thankful for our two dogs, Chase and Rosie, because they bring us daily excitement.

And I am thankful for our health and having the opportunities we have because of where we both work.
Karen Keisler
Karen Keisler
Member Service Representative
We’re always asked at Thanksgiving to tell one thing
we are most thankful for, and in typical fashion my answer is family and friends. This past year has been a wonderful year for my family.

I was able to cross off a couple of items from my bucket list and decide they were worth repeating. I’m also thankful that I get the opportunity to make new friends everyday with our members at 1st Cooperative.

Pictured from left: Karen’s son, Kameron, daughter-in-law, Bonnie, daughter, Kaylee, husband, Kevin and Karen.
Don't go dormant 
piggy bank
The credit union sends notices to
members who have not made any
transactions in the previous 12
months. An account is classified as dormant after one year of inactivity, that is, without a transaction such as a deposit, withdrawal, or transfer.

If the credit union doesn’t hear back from you, the funds in your account are considered “unclaimed assets” and have to be transferred to the S.C.
Department of Revenue. To avoid this, consider setting up a recurring automatic deposit to your account. Staff members are available Monday through Friday from 8:30 a.m. until 5 p.m. at 803-796-0234.