Nc State Employee Credit Union

Nestled in the vibrant Asheville community, the State Employees' Credit Union branch at 1310 Hendersonville Rd is your welcoming partner for tailored financial solutions. Whether you're looking to secure one of the best auto loans designed to fit your lifestyle or manage your personal finances with convenient checking and savings accounts, this branch offers expert guidance combined with friendly, local service. Open Monday through Friday from 8:30 AM to 5:30 PM, it’s easy to stop by and find personalized support that fits your schedule.
Serving nearly 2.85 million members and managing assets over $57 billion, this Asheville location also provides competitive mortgage loans and refinancing options aimed at making homeownership more accessible. Business owners benefit from merchant services and business loans crafted to fuel growth, while personal loans and debt consolidation programs simplify money management. With drive-thru banking and ATM access for quick deposits, withdrawals, and balance checks plus secure online and mobile banking platforms available anytime, handling your finances is seamless.
Visit the State Employees' Credit Union branch in Asheville or call 828-552-8022 today to experience community-focused service. Discover how our signature auto loans and mortgage programs can help you accelerate 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' Credit Union at 1310 Hendersonville Rd, Asheville, NC 28803! With a proud history dating back to 1937, we have dedicated ourselves to serving the financial needs of our community. Our commitment is reflected in our thriving membership of over 2.8 million members and total assets exceeding $57 billion. At our Asheville branch, part of the trusted State Employees' Credit Union family (Site ID: 53420), we offer a range of services tailored just for you. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or even mortgage refinancing, we are here to guide you every step of the way. Our team is ready to assist with any financial inquiries you may have, ensuring that your experience with us is both satisfying and rewarding. While you can visit us at our branch location, please note that any official correspondence should be sent to the same address. We also understand that convenience matters; that's why we offer online and mobile banking services, making it easier than ever to manage your finances from anywhere. Under the leadership of our CEO, Leigh Brady, and Board President, Mona Moon, we strive for excellence in everything we do. Together with our dedicated staff of 8,258 employees, we work hard to create a positive impact on the lives of our members and the communities we serve. With total deposits around $7.9 billion and significant cash reserves of approximately $708 million, we're well-equipped to meet your financial needs. Our focus on member satisfaction drives us to maintain strong financial health while offering competitive rates on loans over 1.19 million loans are currently available to members. We invite you to stop by or give us a call at (828) 552-8022 during our lobby hours from 8:30 AM to 5:30 PM, Monday through Friday. Let us show you how we can support your financial journey! For more information about our services or to open an account online, visit us at ncsecu.org. Join us today and experience the difference with State Employees' Credit Union!

Branch History & Mission

Commitment to Innovation

As we continue to grow, so does our commitment to innovation. We offer modern conveniences such as online banking and mobile payment options while ensuring that all services comply with ADA standards for accessibility. Our drive-thru service makes banking even easier for those on the go. We also recognize the importance of security in today's world; therefore, we have implemented features like electronic signatures and e-statements to enhance your banking experience safely.

Join Us Today!

We invite you to become part of the State Employees' family. Experience firsthand how our commitment to service can benefit you and your loved ones. For any inquiries or assistance, feel free to reach out at 828-552-8022 during our operating hours from Monday to Friday between 8:30 AM and 5:30 PM. Join us today and discover how State Employees' can help you achieve your financial goals!

Our Journey

From our humble beginnings, State Employees' has evolved into a trusted financial partner for individuals and families alike. Located at 1310 Hendersonville Rd, Asheville, NC 28803, our branch is easily accessible and close to various local landmarks, making it convenient for members to visit us. Our doors have remained open through decades of change, adapting to meet the needs of our community while maintaining the core values that define us. While you can visit us at our branch location, official correspondence should be sent to our mailing address at 1310 HENDERSONVILLE RD, ASHEVILLE, NC 28803.

Our Mission

Our mission is simple yet powerful: to provide exceptional financial services while fostering a spirit of community support. We are committed to empowering our members with the tools they need for financial success. This includes offering personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards all designed with your needs in mind. In addition to financial products, we believe in giving back. Our outreach efforts focus on supporting local initiatives and partnerships that uplift the Asheville community. Whether it's sponsoring local events or providing educational resources about financial literacy, we strive to make a positive impact in every way possible.

Branch Location & Accessibility

Connect with Us

Got questions? We'd love to hear from you! Feel free to give us a call at 828-552-8022. We invite you to visit us soon and discover how we can help you achieve your financial goals. Come see why so many in Asheville trust State Employees' Credit Union as their go-to financial resource!

Convenient Access

Whether you're stopping by for a quick transaction or to explore our range of services, we ensure your visit is smooth and hassle-free. Our branch features dedicated parking spaces and is fully ADA compliant, with ramps to assist those who need them. Plus, if you're in a hurry, our drive-thru banking service allows you to manage deposits and withdrawals without leaving your vehicle.

Operating Hours

We're here for you during the week! Our lobby hours are Monday through Friday from 8:30 AM to 5:30 PM, giving you plenty of time to drop in before or after work. If you prefer to bank on the go, we also offer online and mobile banking options that let you manage your finances anytime, anywhere.

Services Tailored for You

At State Employees', we pride ourselves on providing a variety of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, our knowledgeable staff is ready to help you find the right solutions. And if you ever need cash outside of regular hours, don't worry we have an ATM available right at our location! While members can visit us at 1310 Hendersonville Rd for all their banking needs, official correspondence should be sent to the same address.

Member Eligibility

At State Employees', we believe that everyone deserves a welcoming financial community, and joining us is as easy as picking up the phone or stopping by our office. To become a member, you simply need to meet some straightforward eligibility criteria, which primarily include being an employee of the state or having a close relationship with someone who is. We value inclusivity, so if you're curious about whether you qualify, we encourage you to check out our detailed guidelines at http://www.ncsecu.org/join#eligibility. Once you're ready to take the next step, opening an account is a breeze! You can easily start the process online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or feel free to call us at (828) 552-8022 if you have any questions. Our friendly team is here to help guide you through every step. Join us at State Employees' located at 1310 Hendersonville Rd Asheville Nc 28803, and experience the benefits of being part of a community-focused credit union that truly cares about your financial well-being.

Business Banking & Commercial Services

Commercial 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 essential merchant services that simplify daily operations. Imagine running your store and having seamless payment processing at your fingertips. Our services allow you to accept payments easily, manage transactions efficiently, and provide a better experience for your customers. Visit us at 1310 Hendersonville Rd Asheville Nc 28803 in Asheville, NC, or call us at (828) 552-8022 to learn how our business banking solutions can help you thrive!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, our business banking services can support your growth. From merchant services that streamline payments to business loans designed for expansion, we understand the challenges of running a business and are here to assist you.

Convenient Digital Banking

In today's busy world, convenience is key. That's why we offer robust online and mobile banking features. You can manage your accounts from anywhere with just a few taps on your phone. Need to withdraw cash? Enjoy easy access through our ATM services and basic drive-thru banking for quick transactions like deposits and withdrawals.

Credit Cards with Benefits

For those who love rewards, our credit cards come with enticing benefits that suit various lifestyles. You can earn points on purchases that lead to exciting rewards perfect for anyone who enjoys traveling or dining out.

Get Started Today!

At State Employees', we strive to make your banking experience as smooth as possible while offering personalized service tailored to your needs. If you're ready to learn more about how we can assist you financially or if you have any questions, don't hesitate to reach out! Give us a call at (828) 552-8022 or visit us online at Asheville - Parkway South. We look forward to welcoming you!

Home Ownership and Refinancing

Thinking about buying a home? Our mortgage loans and refinancing services offer competitive rates and flexible terms, making it easier for you to achieve your dream of home ownership. We know that navigating the mortgage process can be overwhelming, but with our expert guidance, you'll feel confident in your choices.

Personal Banking Made Simple

Our personal banking services include convenient options for checking and savings accounts that can help you manage your money effectively. Imagine having easy access to your funds while earning interest on your savings. If you're considering purchasing a vehicle, our auto loans and vehicle financing options are designed to make the process straightforward. We understand that buying a car is a significant investment, and we're here to ensure you get the best deal possible.

Personal Loans for Life's Needs

Life can throw unexpected expenses your way, which is why we provide personal loans and debt consolidation options. Whether you need funds for medical bills or want to consolidate high-interest debt into one manageable payment, we have solutions that fit your situation.

Digital & Online Banking

At State Employees', we understand that your banking needs are constantly evolving. That's why we offer a range of digital and online banking services designed for your convenience and security. Whether you're at home or on the go, managing your finances has never been easier. With our online banking platform, you can access your accounts 24/7 from the comfort of your home or while traveling. This service allows you to check balances, transfer funds, and pay bills quickly and securely. Plus, with electronic signature authorization available, completing transactions is straightforward and hassle-free. Stay organized with e-statements, which are not only eco-friendly but also provide a convenient way to keep track of your financial activities. You can access your statements anytime without waiting for them to arrive in the mail, making it easier to manage your budget. For those who prefer mobile banking, our mobile application is designed to fit seamlessly into your lifestyle. It offers features like mobile payments, letting you make purchases directly from your device. You can even send money to friends or family easily through person-to-person transfers though please note that this feature isn't currently available. The security of your information is a top priority at State Employees'. Our online banking services are equipped with advanced encryption technology, ensuring that your personal data remains safe. You can bank with confidence knowing that we take every measure to protect your information. In short, State Employees' provides all the tools you need for real-time account management right at your fingertips. From e-statements to mobile payments, our digital banking services are tailored for ease-of-use and accessibility. Experience a new level of convenience today!

Financial Strength

Member Trust

Total Share and Deposit Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $574,556,810, further demonstrating the strength of our organization. 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 1310 Hendersonville Rd Asheville Nc 28803 or call (828) 552-8022 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.

Member-Centric Savings

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 commitment to efficiency is evident in our performance; 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 for Growth

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 substantial; with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we support members' financial goals across various sectors.

Solid Financial 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. We have already issued over $2,955,872,351 in used vehicle loans and $1,138,258,230 in new vehicle loans to help our members get on the road. Whether you're looking for a new ride or a reliable used vehicle, we are here to assist you in finding the best financing option that suits your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, designed to help you secure your dream home or refinance an existing mortgage at competitive rates.

Other Loan Options

In addition to auto and mortgage loans, we offer various personal loans and credit lines tailored to individual needs. If you're considering refinancing existing debt or exploring eligibility options for any of our loan products, feel free to reach out for more information. For any inquiries or assistance with our loan offerings, don't hesitate to call us at 828-552-8022 during our operating hours from Monday to Friday between 8:30 AM and 5:30 PM. You can also visit us online at ncsecu.org for further details about our services. Remember that 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 is important to us; let's work together toward achieving your goals!

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $1,177,171,541 in loans available to our members, managing your finances effectively has never been easier. Enjoy low rates and rewards on everyday purchases while keeping track of your spending.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in what is available. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: You receive up-to-date loan rates from multiple institutions, which helps you make informed decisions quickly. 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!" This kind of feedback highlights the effectiveness and reliability of the platform. To explore your options, compare real-time loan offers today 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 commitment to compliance guarantees that all offers presented are fair and transparent.

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.