Nc State Employee Credit Union

Nestled in the vibrant community of Asheville, the State Employees' Credit Union branch at 20 All Souls Cres is your trusted partner for smart, community-focused financial solutions. Whether you're seeking some of the best auto loans with flexible vehicle financing options or managing your personal banking through convenient checking and savings accounts, this branch offers friendly service designed around your unique needs. Open Monday through Friday from 8:30 AM to 5:30 PM, it’s easy to fit quality banking into your busy schedule.
Serving nearly 2.85 million members and overseeing assets exceeding $57 billion, this Asheville location also stands out with competitive mortgage loans and refinancing options that help make homeownership more attainable. Business owners can take advantage of tailored merchant services and business loans crafted to support growth, while personal loans and debt consolidation services simplify managing your finances. With convenient ATM access and drive-thru banking for quick deposits, withdrawals, and balance checks—plus secure online and mobile banking platforms available anytime—handling your money has never been more convenient.
Visit the State Employees' Credit Union branch in Asheville or call 828-274-4200 today to experience personalized service. Discover how our signature auto loans and mortgage programs can help you drive toward your financial goals with confidence!

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

At State Employees' Credit Union, we believe that banking should be about more than just numbers; it's about people and community. Since our establishment in 1937, we have proudly served the Asheville area from our welcoming branch located at 20 All Souls Cres, Asheville, NC 28803. With a strong commitment to our members, we have grown to support over 2.8 million members and manage total assets of $57,229,286,839. Our team of dedicated professionals is here to provide you with personalized financial services tailored to your needs. Under the leadership of CEO Leigh Brady and Board President Mona Moon, our credit union has flourished, reflecting the trust and loyalty of our members. We currently offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to the same address: 20 ALL SOULS CRES, ASHEVILLE, NC 28803. With a solid foundation built on trust and transparency, we hold a net worth of $5,446,832,560 and total deposits amounting to $7,866,265,767, ensuring your money is safe with us. Our commitment doesn't stop there; we also have over 8258 employees working diligently to serve you better. Whether you need assistance with loans having facilitated over 1,194,630 loans or simply want to explore new saving options with our competitive rates on deposits totaling $46,442,144,183, we're here for you every step of the way. Ready to take the next step? Call us today at (828) 274-4200 or visit our website at ncsecu.org for more information. Join us as we continue making a positive impact in our community!

Branch History & Mission

Community Commitment

At State Employees', we believe that strong communities build strong credit unions. Our outreach efforts reflect this belief as we actively engage with local organizations and initiatives aimed at enhancing the quality of life in Asheville and surrounding areas. By participating in community events and supporting local charities, we strive to give back and foster connections that enrich lives. While members can visit us at our branch location in Asheville, official correspondence should be sent to 20 ALL SOULS CRES, ASHEVILLE, NC 28803. You can reach us at 828-274-4200 during our operating hours: Monday through Friday from 8:30 AM to 5:30 PM.

Join Us

As we continue on this journey of growth and service, we invite you to become part of our family. Experience firsthand the benefits of membership at State Employees'. Together, let's build a brighter financial future for you and your community! Visit us today or learn more about joining by checking out our website for further details.

Our Journey

From the moment we opened our doors, our focus has been on providing accessible financial services tailored to the unique needs of our community. Over the decades, we have seen significant milestones, including the expansion of our offerings to encompass personal banking, auto loans, mortgages, and business banking solutions. Our commitment to innovation is evident in our embrace of digital advancements such as online and mobile banking, ensuring that our members can manage their finances conveniently from anywhere. Our mission goes beyond just offering financial services; we aim to empower individuals and families by supporting their financial well-being. We take pride in being more than a bank; we are a partner in your journey towards achieving your financial goals. Whether it's helping you secure a loan for your dream car or guiding you through the mortgage process, we are here every step of the way.

Branch Location & Accessibility

Convenient Access

At our Asheville - Biltmore Village location, we prioritize making your banking experience smooth and hassle-free. The branch features ample parking for all our members and is designed with accessibility in mind, including ADA-compliant features and ramps.

Get in Touch

Ready to experience exceptional banking? We invite you to visit us or give us a call at 828-274-4200 if you have any questions or need assistance. We're excited to support you on your financial journey!

Operating Hours

We know your time is valuable, which is why our doors are open Monday through Friday from 8:30 AM to 5:30 PM. Whether you need assistance with personal banking, loans, or other services, our friendly team is ready to help during these hours.

Services Offered

Our branch offers a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. If you're looking for quick transactions, take advantage of our drive-thru service that allows you to manage simple banking tasks without leaving your vehicle. Plus, with ATM availability right here at our location, accessing cash has never been easier! If you need to send official correspondence, please note that while you can visit us at 20 All Souls Cres, official mail should be directed to the same address.

Member Eligibility

Becoming a member of State Employees' is like joining a caring family that's dedicated to your financial well-being. If you live, work, or worship in the great state of North Carolina, you're likely already eligible! This includes employees of the state and certain affiliated organizations. Our commitment is to provide support tailored to your needs, whether it's through personal banking services or loans designed to help you thrive. To learn more about the specific eligibility criteria, feel free to check out our detailed resource at http://www.ncsecu.org/join#eligibility. Joining is easy! You can start the account opening process online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or simply give us a call at (828) 274-4200 if you have any questions. We're here to help you every step of the way at our branch located at 20 All Souls Cres Asheville Nc 28803.

Business Banking & Commercial Services

Business Loan Options

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

In addition to loans, we offer comprehensive merchant services designed to simplify payment processing for your business. Imagine having a reliable partner who can help you accept payments seamlessly, whether online or in-person. This allows you to focus on what you do best running your business! Located at 20 All Souls Cres Asheville Nc 28803, Asheville, NC 28803, our team is ready to assist you in navigating your financial needs. Contact us today at (828) 274-4200 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our Business Banking services, including Merchant Services and Business Loans, are crafted to support local businesses like yours in achieving growth and success.

Credit Cards and Rewards

For those who enjoy rewards for their spending, our Credit Cards with Rewards program allows you to earn points on everyday purchases. Imagine earning rewards for things you already buy it's like getting paid to shop!

Digital Banking Convenience

In today's fast-paced world, having access to your accounts anytime is crucial. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts on the go. From checking balances to transferring funds, everything is just a tap away. Plus, with our ATM and Cash Withdrawal Services, accessing cash when you need it has never been easier.

Drive-Thru and ATM Services

Need quick service? Our Basic Drive-Thru Banking allows for easy deposits, withdrawals, and other simple transactions without ever leaving your car. For those who prefer self-service, our Basic ATM Access lets you check balances or withdraw cash conveniently. At State Employees', we are committed to making banking accessible and beneficial for all our members. With operating hours from 8:30 AM to 5:30 PM, Monday through Friday, we're here when you need us most. Ready to explore these services further? Call us today at (828) 274-4200 or visit us online at Asheville - Biltmore Village to learn more about how we can assist you in reaching your financial goals!

Personal Banking

Managing your money should be simple and straightforward. That's why we offer a variety of personal banking services, including Checking & Savings Accounts that help you grow your savings while providing easy access to your funds. Our Auto Loans & Vehicle Financing options make it easier for you to drive away in the car of your dreams, with competitive rates and flexible terms. If you're thinking about buying a home, our Mortgage Loans & Refinancing services are designed to guide you through the process seamlessly. We understand that life can throw unexpected challenges your way, which is why our Personal Loans & Debt Consolidation options are here to help you regain control over your finances.

Digital & Online Banking

Accessible Online Banking

With our 24/7 online banking services available at https://www.ncsecu.org/, you can access your accounts whenever you need to. Check your balances, transfer funds, and pay bills all from the comfort of your own home or while out and about. Our user-friendly platform makes it simple for you to stay on top of your finances in real time.

Electronic Statements and Signature Authorization

Say goodbye to paper clutter with our e-statements. You can view your statements online anytime, ensuring that you always have easy access to important financial documents. For added convenience, we also support electronic signature authorization, making it quick and secure for you to complete transactions without the hassle of printing or mailing forms.

Mobile Application and Payments

For those who prefer banking on their smartphones, our mobile application is a must-have. It's packed with features that make managing your money easier than ever. Plus, if you're looking to make quick purchases, our mobile payments feature allows you to pay with just a tap no cash needed!

Person-to-Person Transfers

While our person-to-person transfers are currently not available, we're continually working to enhance our offerings. We want every member at State Employees' to have all the tools they need for effective money management. In short, our digital and online banking services at State Employees' are designed for your convenience, security, and ease of use. Experience a new level of banking by visiting us online today!

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 that knowing your financial institution is strong and reliable is crucial for your peace of mind. That's why we are proud to share insights into our financial health, which reflects our commitment to you. 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. 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 members' financial goals across various sectors 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 (Funds available for lending and investments): $574,556,810. Total Share Accounts: 5,850,875, showing 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 20 All Souls Cres Asheville Nc 28803 or call (828) 274-4200 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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Credit Lines and Unsecured Loans

For those looking for flexibility, our total credit lines amounting to $18,909,000,000 provide access to funds when you need them most. Additionally, 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. These products are designed to give you peace of mind and support your financial journey.

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. We work closely with you to ensure that you understand all your options and can choose the best path toward owning your home.

Refinancing Options

If you're considering refinancing any existing loans, we offer various eligibility options to help lower your monthly payments or secure better terms. Feel free to reach out for more information on how refinancing could benefit you. At State Employees', we're committed to supporting our community by providing accessible financial solutions tailored to your needs. If you're ready to explore our loan offerings further or have any questions, don't hesitate to contact us at (828) 274-4200 or visit us at 20 All Souls Cres Asheville Nc 28803 in Asheville, NC. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you take the next step towards achieving your financial dreams!

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from trusted financial institutions, which ensures transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. This commitment to providing unbiased results helps users make informed choices. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, making it easier to compare options and find the best fit for their needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Explore your options today. Compare real-time loan offers at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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 ensures that users receive fair and transparent offers. Each listed loan comes from legitimate financial institutions, reinforcing the reliability of the information provided.

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.