State Employees' Credit Union Asheville NC: Affordable Auto Loans & ATM Access

Introduction

Welcome to State Employees' at Asheville - Oak Plaza, your trusted financial partner located at 1 Oak Plz Ste 101, Asheville, NC 28801. Established in 1937, our credit union has been dedicated to serving our community with integrity and commitment for over eight decades. With a robust membership of 2,847,943 individuals, we pride ourselves on being a pillar of support in the lives of our members. At State Employees', we understand that your financial well-being is essential. That's why we've built a solid foundation with total assets amounting to an impressive $57,229,286,839. Our commitment to you is reflected in our ability to provide various services tailored to meet your needs, including personal banking, auto loans, mortgage refinancing, and more. We currently hold $7,866,265,767 in total deposits and maintain a net worth of $5,446,832,560, ensuring your money is safe and sound with us. Our leadership team is here to guide you towards achieving your financial goals. Under the direction of CEO Leigh Brady and Board President Mona Moon, we foster a culture of trust and transparency. Our dedicated staff of 8,258 employees is always ready to assist you with personalized service. While members can visit us at 1 Oak Plz Ste 101, official correspondence should be sent to the same address. Have questions or need assistance? Don't hesitate to give us a call at 828-225-2900 during our operating hours from Monday through Friday between 8:30 AM - 5:30 PM. Join us today and experience the difference that comes with being part of the State Employees' family. For more information about our services or to open an account online, please visit our website at ncsecu.org. We look forward to welcoming you!

Branch History & Mission

Commitment to Accessibility

Our branch embraces modern advancements while ensuring accessibility for all members. With features like online banking, mobile payments, and ATM availability, we make it easier for you to manage your finances conveniently. Furthermore, our drive-thru service allows for quick transactions without leaving your vehicle. While members can visit us at our Asheville location for all their banking needs during operating hours from Monday to Friday, 8:30 AM to 5:30 PM, official correspondence should be sent to the same address as our branch since it matches our mailing address.

Join Us!

As we continue this journey together, we invite you to become part of the State Employees' family. Experience firsthand the dedication and personalized service that has defined us since 1937. Whether you're looking for straightforward banking solutions or want to learn more about how we can support your financial goals, we're here for you every step of the way. For more information or to join us today, call us at 828-225-2900 or visit our website at www.ncsecu.org. Together, let's build a brighter future!

Our Mission

At the heart of State Employees' Credit Union lies our mission: to provide affordable financial solutions while fostering community development and support. We believe that financial wellness is key to personal growth, which is why we offer a wide range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Our aim is to serve all members with integrity and care. We strive to create an inclusive environment where everyone feels valued. This commitment extends beyond traditional banking; it includes partnerships with local organizations to support community outreach initiatives that make a difference in people's lives. We understand that when our community thrives, we all thrive.

Branch Location & Accessibility

Welcome to the State Employees' branch located at 1 Oak Plz Ste 101 in beautiful Asheville, North Carolina! Nestled in the heart of Buncombe County, our branch is easily accessible and conveniently situated near popular landmarks such as the Asheville Mall and Biltmore Village. Whether you're stopping by for a quick transaction or need assistance with your banking needs, we're here to help. Our branch is designed with your convenience in mind. You'll find ample parking available, making it easy to visit us at any time during our operating hours from Monday through Friday, 8:30 AM to 5:30 PM. For those who prefer a drive-thru experience, we offer that option as well, allowing you to handle simple transactions without leaving your vehicle. If you need to access cash or perform basic banking functions outside of lobby hours, our ATM is readily available for your convenience. Our location is fully ADA compliant, ensuring everyone can enjoy easy access. While members can visit us at 1 Oak Plz Ste 101 for all their banking needs, please note that official correspondence should be directed to our mailing address at the same location. Our friendly staff is always ready to assist you with services ranging from personal banking including checking and savings accounts to loans for vehicles and homes. Feel free to give us a call at 828-225-2900 if you have any questions or need more information. We look forward to welcoming you to our branch soon!

Member Eligibility

Joining the State Employees' is like stepping into a welcoming community where your financial needs are understood and prioritized. If you're wondering whether you can become a member, it's quite simple! Eligibility generally includes being an employee of the state or a family member of one, which means many people in our area can take advantage of the benefits we offer. For the most current details on eligibility criteria, feel free to visit our website at http://www.ncsecu.org/join#eligibility . Becoming a member at State Employees' opens doors to a range of financial services tailored just for you, from checking and savings accounts to auto loans and mortgages. Plus, the account opening process is user-friendly and straightforward; you can even begin online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu . If you have any questions or need assistance, don't hesitate to give us a call at (828) 225-2900. We're here to help you every step of the way as you join our vibrant community at 1 Oak Plz Ste 101 Asheville Nc 28801!

Business Banking & Commercial Services

Lending Solutions That Empower 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 for Everyday Operations

In addition to loans, we offer merchant services that simplify payment processing. Imagine having a reliable partner that helps you accept payments seamlessly, whether in-store or online. This means you can focus on what you do best running your business while we take care of the transactions. With a location at 1 Oak Plz Ste 101 Asheville Nc 28801, Asheville, NC, we're here to support you every step of the way. Reach out to us at (828) 225-2900 for more information on how we can help your business thrive!

Comprehensive List Of Services

Access Anytime, Anywhere

We also understand the importance of easy access to cash. Our network includes reliable ATM services where you can withdraw cash or check balances whenever necessary. Plus, enjoy the added benefit of basic drive-thru banking for deposits and withdrawals perfect for those busy days when time is tight. At State Employees', we prioritize making banking simple and accessible for everyone in Asheville and beyond. If you're ready to take control of your financial future or have any questions about our services, don't hesitate to reach out at 828-225-2900 or visit us online at ncsecu.org. We're here to help you achieve all your financial goals!

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we provide robust online and mobile banking services. With just a few clicks on our user-friendly app or website, you can check balances, transfer funds, pay bills, and even deposit checks from the comfort of your home.

Home Sweet Home

If buying a house is on your agenda, look no further than our mortgage loans and refinancing services. We know how important homeownership is, so we strive to offer straightforward processes and friendly guidance throughout your journey. Whether it's your first home or an upgrade, we're here to help make it happen.

Personal Banking Solutions

We understand that managing finances can be overwhelming at times. That's why we offer various personal banking options such as checking and savings accounts that help you keep track of your money effortlessly. Imagine being able to set up automatic transfers to grow your savings while still having easy access to funds when life throws unexpected expenses your way.

Personal Loans for Life's Needs

Life is full of surprises some good and some challenging. Our personal loans and debt consolidation options are here for those moments when you need extra cash or want to simplify multiple debts into one manageable payment. This service empowers you to regain control over your financial situation.

Rewards with Every Swipe

Don't forget about our credit cards with rewards! These cards allow you to earn points on everyday purchases, turning shopping into a rewarding experience. Enjoy cashback on groceries or travel perks just by using your card regularly.

Supporting Local Businesses

For our business members, we offer tailored solutions through our business banking services, including merchant services and business loans. We believe in supporting local enterprises, helping them thrive in our community.

Vehicle Financing Made Easy

Thinking about purchasing a new car? Our auto loans and vehicle financing options can make that dream a reality. We provide competitive rates and flexible terms, ensuring that you can find the right loan that fits your budget. Picture yourself driving off in your new vehicle without worrying about high monthly payments.

Digital & Online Banking

Key Services

With our robust online banking platform available at https://www.ncsecu.org/ , you can access your accounts 24/7. This means you can check balances, make transfers, and pay bills whenever it suits you. Plus, with our mobile application, you can do all of this right from your smartphone. Imagine having a bank branch in your pocket! We prioritize your security with features like electronic signature authorization, which allows you to sign documents safely from the comfort of your home. You'll also appreciate our e-statements feature, providing you with quick access to your account statements without the clutter of paper.

User-Friendly Features

Our mobile payments feature lets you pay for goods and services quickly using just your phone no need to dig for cash or cards! And while person-to-person transfers aren't currently available, our other services are designed to meet most of your banking needs efficiently. At State Employees', we believe banking should be straightforward. Our goal is to provide you with easy-to-use tools that help you manage your money in real time. With everything from checking balances to making deposits available through our secure online platform, staying on top of your finances has never been more convenient. Explore all these digital banking services today at https://www.ncsecu.org/ and experience how easy managing your money can be!

Financial Strength

Growing Membership Trust

Total Share and Deposit Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $574,556,810. 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 1 Oak Plz Ste 101 Asheville Nc 28801 or call (828) 225-2900 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

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.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling 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.

Reinvestment in You

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 is robust with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting members' financial goals across various sectors.

Solid Foundation

With a net worth of $5,446,832,560, we maintain strong 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.

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. Whether you're interested in financing a new or used vehicle, our team is here to guide you through the process and ensure you get the best deal possible.

Business Loans

For business owners in our community, we recognize the importance of having access to capital for growth. While there are currently no outstanding commercial loans available at this time, our team can help guide you through potential options as they arise.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, making buying or refinancing simple. We understand that purchasing a home is one of the biggest decisions you'll make. That's why we provide personalized service and competitive rates to help turn your dream into reality.

Personal Loans and Credit Cards

In addition to auto and mortgage loans, we offer flexible terms on unsecured credit card loans. With a total of $1,177,171,541 in unsecured credit card loans helping members manage their finances effectively, you can enjoy peace of mind knowing that you have access to funds when you need them most. For those looking for additional funding options or wanting to consolidate debt, our personal loan offerings are tailored to fit various needs and budgets.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better rates or terms, we encourage you to reach out for an evaluation. Our knowledgeable staff can provide insights into eligibility options and help find solutions that fit your financial situation. At State Employees', we are committed to supporting our members with clear communication and a friendly approach. For more information about our loan offerings or to discuss which option might be right for you, don't hesitate to contact us at (828) 225-2900 or visit us at 1 Oak Plz Ste 101 Asheville Nc 28801. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans