Nc State Employee Credit Union

Nestled in the scenic community of Arden, NC, the State Employees' Credit Union branch at 40 Airport Rd is your trusted partner for comprehensive financial solutions. Whether you're exploring some of the best auto loans tailored to fit your lifestyle or managing your personal banking needs with convenient checking and savings accounts, this branch combines expert guidance with a welcoming atmosphere. Open Monday through Friday from 8:30 AM to 5:30 PM, it’s easy to stop by and get personalized service that fits your schedule.
Serving nearly 2.85 million members and overseeing assets exceeding $57 billion, this Arden location also offers competitive mortgage loans and refinancing options designed to make homeownership more attainable. Business owners will find valuable support through merchant services and business loans crafted to fuel growth. With drive-thru banking and ATM access for quick withdrawals, deposits, and balance checks—plus secure online and mobile banking platforms available anytime—managing your finances has never been easier.
Visit the State Employees' Credit Union branch in Arden or call 828-654-9547 today to experience friendly, community-focused service. Discover how our signature auto loans and mortgage programs can help you drive toward your financial goals!

Type of Loan Offerings

mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10-Year Fixed Rate
5.3 - 5.5 %
5.518 - 5.719 %
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
5-Year ARM
5.5 - 6.15 %
5.591 - 6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
15-Year Fixed Rate
5.5 - 5.8 %
5.654 - 5.955 %
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
First-Time Homebuyer's (5-Year ARM)
6.15 %
6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed Rate
6.2 - 6.75 %
6.325 - 6.878 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed Rate
6.5 %
6.596 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share-secured
3.1 - 6.75 %
2 - 10 Yrs
Share-secured term note
6.5 %
0.5 Yrs
Closed-end fixed rate
9.25 - 12.75 %
2 - 6 Yrs
Signature term note
11.75 %
0.5 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
5 % - 7.5 %
3 Yrs
Auto
5.25 % - 7.75 %
4 Yrs
Auto
5.5 % - 8 %
5 Yrs
Auto
5.75 % - 8.25 %
6 Yrs
Auto
6.5 % - 9 %
7 Yrs
Auto
7.25 % - 9.75 %
8 Yrs

Introduction

Welcome to State Employees', your trusted partner in financial well-being right here at 40 Airport Rd, Arden, NC 28704. Established in 1937, our credit union has been committed to serving the needs of our community for over eight decades. With a total membership of 2,847,943 and assets exceeding $57 billion, we pride ourselves on being a strong and reliable institution that prioritizes the financial health of our members. At State Employees', we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. Our total deposits stand at an impressive $7,866,265,767, reflecting the trust our members place in us. With a net worth of $5,446,832,560 and cash on hand totaling $708,661,969, you can be assured that your finances are safe with us. Our leadership team is dedicated to providing exceptional service. Under the guidance of CEO Leigh Brady and Board President Mona Moon, we strive to make every interaction meaningful. Whether you're visiting us in person or reaching out via phone at 828-654-9547, our team is here to assist you during our lobby hours from Monday to Friday, 8:30 AM - 5:30 PM. While members can visit us at our physical location, official correspondence should be sent to 40 AIRPORT RD, ARDEN, NC 28704. We invite you to explore all that State Employees' has to offer by visiting our website at ncsecu.org. Join us today and discover how we can help you achieve your financial goals!

Branch History & Mission

Community Engagement

State Employees' also emphasizes the importance of community involvement. We strive to build strong relationships through various initiatives that promote education and support local causes. By collaborating with local organizations and participating in community events, we aim to make a positive impact beyond just banking. In today's digital age, we've embraced technology while ensuring ADA compliance for all members. With features like online banking and mobile payments available alongside traditional services such as ATM access and drive-thru banking, we work hard to meet the diverse needs of our members. Join us at State Employees', where your financial well-being is our priority. Experience firsthand the benefits of being part of a credit union that truly cares about its members and their communities. If you're interested in becoming a member or want more information about our services, don't hesitate to contact us at 828-654-9547 or explore our website at ncsecu.org. Together, let's build a brighter future!

Our Mission

At the heart of State Employees' is our mission: to provide safe and affordable financial services while fostering a sense of community among our members. We believe in putting people first, ensuring that everyone has access to the resources they need for their financial journeys. Our dedicated team works tirelessly to create a welcoming environment where every member feels valued and supported. While you can visit us at our branch location in Arden for all your banking needs, official correspondence should be directed to our mailing address at 40 AIRPORT RD, ARDEN, NC 28704 if it differs from your visit. Our operating hours are Monday through Friday from 8:30 AM to 5:30 PM, making it convenient for you to reach out or drop by.

Branch Location & Accessibility

Accessibility Features

At State Employees', we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and accessible parking spots to ensure that everyone can easily navigate our space. We want to make your experience as smooth as possible!

Contact Us

If you have questions or need assistance before visiting, don't hesitate to call us at 828-654-9547. We're excited to help you with all your financial needs! So why wait? Visit us today at State Employees' on Airport Rd in Arden where convenience meets exceptional service!

Operating Hours and Services

We are here for you Monday through Friday from 8:30 AM to 5:30 PM, so feel free to drop in during these hours. You'll find a friendly team ready to assist with personal banking services including checking and savings accounts, auto loans, mortgages, and more. Plus, if you're on the go, we offer ATM services and a drive-thru for quick transactions like deposits and withdrawals.

Member Eligibility

Becoming a member of State Employees' is like joining a warm and welcoming family where your financial well-being is our top priority. To be eligible, you simply need to have a connection to the state, whether you're an employee or a family member of one. This community-focused approach means that we're dedicated to serving those who serve us all. If you want to dive deeper into the specifics of eligibility, feel free to check out our detailed criteria at http://www.ncsecu.org/join#eligibility. Opening your account is a breeze! Just head over to our account opening page at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, and you'll find everything you need to get started. If you have any questions or would like more information, don't hesitate to reach out to us at (828) 654-9547. We're here for you every step of the way as you embark on this exciting journey with State Employees' at our location in 40 Airport Rd Arden Nc 28704.

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

In addition to loans, we offer comprehensive merchant services designed to simplify your daily operations. Imagine accepting payments effortlessly, tracking sales in real time, and managing your cash flow all from one platform. This allows you to focus on what matters most growing your business. Located at 40 Airport Rd Arden Nc 28704 in Arden, NC, our dedicated team is here to guide you every step of the way. Connect with us at (828) 654-9547 to learn more about how we can empower your business today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? We provide easy access through our ATM services, allowing you to withdraw cash or check balances anytime. Plus, our basic drive-thru banking offers quick service for deposits and withdrawals without leaving your car. At State Employees', we pride ourselves on being more than just a financial institution; we're part of your community. Our dedicated staff is ready to assist you with any questions or needs you might have. Ready to explore how we can help? Give us a call at 828-654-9547 or visit us at our branch in Arden today! For more information about our services or to get started on your journey with us, check out our website at ncsecu.org.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options are designed to fit your budget, ensuring that you can hit the road without breaking the bank. With competitive rates and friendly guidance, we're here to help you navigate the car-buying process smoothly.

Business Banking

For small business owners, we offer specialized services such as merchant services and business loans. We understand that running a business comes with its own set of challenges, which is why our dedicated team is here to assist with tailored financial solutions.

Credit Cards with Rewards

Our credit cards with rewards offer not just purchasing power but also perks that can benefit your lifestyle. Earn points as you spend and enjoy rewards tailored just for you.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've equipped our branch with robust online and mobile banking features. Manage your accounts from anywhere using our user-friendly mobile app or website. Check balances, transfer funds, pay bills, and even access your account statements digitally all designed to save you time.

Mortgage Loans & Refinancing

If owning a home is on your horizon or you're looking to refinance your current mortgage, we have comprehensive mortgage loan solutions. Our team will walk you through the steps and find a plan that works for you, making homeownership more attainable.

Personal Banking

We offer a variety of personal banking solutions, including checking and savings accounts tailored to help you manage your everyday finances. Whether you're saving for a dream vacation or managing monthly expenses, our accounts provide the flexibility you need.

Personal Loans & Debt Consolidation

For those unexpected expenses or if you're looking to consolidate debt, our personal loans can provide the relief you need. We aim to offer straightforward terms and favorable rates so that you can regain control of your finances.

Digital & Online Banking

Key Services for Your Convenience

Enjoy the freedom of 24/7 online banking services that let you check balances, transfer funds, and pay bills with just a few clicks. Our user-friendly interface ensures you can navigate through your options easily, making banking less of a chore and more of a breeze. For those who prefer to manage their accounts on their smartphones, our mobile application is ready for download! It comes equipped with features like mobile payments, allowing you to make quick transactions directly from your phone. Plus, if you ever need to sign documents, our electronic signature authorization makes it quick and easy no need for printing or scanning!

Stay Updated and In Control

Keeping track of your finances has never been easier with our e-statements feature. You can choose to receive your statements electronically, giving you instant access while also helping the environment. No more waiting for paper statements in the mail! While person-to-person transfers aren't available right now, we are continually enhancing our services to meet your needs better. Our commitment is to provide secure and efficient options that empower you to manage your money effectively. Experience hassle-free banking at State Employees' where convenience meets security. Join us today and take control of your financial journey!

Financial Strength

At State Employees', financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand the importance of your hard-earned money, which is why we are dedicated to maintaining strong financial health. With a net worth of $5,446,832,560, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $971 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $13,895,511,732 in share certificates and $15,232,786,618 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $133,577,509 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $193,516 in used auto loans and $34,904,944,116 in total loans and leases. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 7,729 full-time employees and 529 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares available for lending and investments stand at $574,556,810. Additionally, with a total of 5,850,875 share accounts, it shows a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, State Employees' is your trusted partner. Visit us at 40 Airport Rd Arden Nc 28704 or call (828) 654-9547 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,955,872,351 in used vehicle loans and $1,138,258,230 in new vehicle loans already helping members get on the road. We provide flexible financing options tailored to fit your budget. Plus, if you're considering refinancing an existing auto loan, we can help you explore eligibility options to save even more.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans provide the capital needed to grow and expand. While currently we have no outstanding commercial loans available at this branch location, we're always here to discuss potential financing solutions tailored for your business needs. At State Employees', we pride ourselves on providing personalized service and financial education to help you make informed decisions. We believe that everyone deserves access to affordable lending options that support their financial journey. For more information about our loan offerings or to explore refinancing options that may be available for you, don't hesitate to call us at 828-654-9547 during our lobby hours from Monday through Friday from 8:30 AM to 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial future starts here!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $1,177,171,541 in loans helping members manage their finances effectively, our credit cards come with rewards that can enhance your everyday spending. If you find yourself needing extra cash for emergencies or unexpected expenses, consider our unsecured credit card options.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, make buying or refinancing simple. Whether you're purchasing your first home or looking to upgrade to something bigger, our team is here to guide you every step of the way.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This rigorous sourcing guarantees that users receive fair and transparent offers without hidden surprises.

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