Disclosures Links to State Central Credit Union's account disclosures are provided below. State Central encourages you to carefully read any disclosures that pertain to the account/loan you wish or already have opened.   ACH Disclosure Funds Availability Policy Backup Withholding Instructions/Providing your Taxpayer ID Number to the Credit Union Online Banking Disclosure Electronic Funds Transfers Privacy Notice FACT Act Disclosure Security Statement Fee Schedule Truth in Savings   Apply for Membership  |  Apply for a Consumer Loan  |  Apply for a First Mortgage