State Employees' Credit Union Asheville NC: Low Mortgage Rates & Personal Loans

Introduction

Welcome to State Employees', your trusted partner in financial growth located at 701 Broadway St, Asheville, NC 28804. Since our establishment in 1937, we have dedicated ourselves to serving our community with integrity and care. As a member-focused credit union, we take pride in offering personalized banking solutions tailored to your needs. With over 2.8 million members and total assets exceeding $57 billion, we are committed to fostering financial well-being and supporting the dreams of our members. Our offerings include checking and savings accounts, auto loans, mortgage financing, personal loans, and much more. Currently, we manage over $7.8 billion in deposits and have provided more than 1.1 million loans, showcasing our strong commitment to empowering individuals through accessible financial services. At State Employees', we believe in building lasting relationships with our members. Our leadership team, including CEO Leigh Brady and Board President Mona Moon, is devoted to ensuring that your experience with us is as seamless as possible. We have a dedicated staff of over 8,200 employees ready to assist you every step of the way. While you can visit us at our branch for any inquiries or transactions during our operating hours from 8:30 AM to 5:30 PM, you can also reach out by phone at 828-253-8009 for any questions or support. Whether you're looking to open an account, apply for a loan, or simply learn more about our services, we're here to help you achieve your financial goals. Join us today at State Employees' where your financial future matters! For more information on membership eligibility or to start your journey with us online, please visit our website.

Branch History & Mission

Community Focus

At State Employees', community involvement is at the core of what we do. We understand that our success is intertwined with the well-being of those around us. That's why we actively engage in partnerships and outreach programs aimed at uplifting local initiatives and supporting those in need. By doing so, we not only enhance the lives of our members but also contribute positively to Asheville as a whole.

Join Us!

As we continue this journey together, we invite you to become part of the State Employees' family. Experience firsthand the benefits of membership from competitive rates on loans and deposits to personalized service from our friendly staff. Join us today and let's build a brighter financial future together!

Modern Banking

In today's fast-paced world, we recognize the importance of adapting to technological advancements. Our branch offers various digital services including online banking, mobile payments, and e-statements to ensure that your banking experience is efficient and user-friendly. Furthermore, our commitment to accessibility means that all members can enjoy these services with ease. While members can visit us at 701 Broadway St, official correspondence should be sent to our mailing address at 701 BROADWAY ST, ASHEVILLE, NC 28804. For any inquiries or assistance, don't hesitate to reach out at 828-253-8009.

Our Mission

Our mission is simple yet powerful: to empower our members through accessible financial services while fostering a spirit of community support. We believe that everyone deserves the opportunity to achieve their financial goals, and we strive to make banking easy and approachable for all. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we are dedicated to helping you navigate your financial journey with confidence.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Located near popular spots like the Asheville Art Museum and the scenic Blue Ridge Parkway, our branch is perfectly positioned for both locals and visitors alike. Parking is available on-site, ensuring a hassle-free experience when you visit. We are committed to accessibility for all members; our facility complies with ADA standards, featuring ramps and wide doorways to accommodate everyone.

Operating Hours and Services

Our friendly team is here to serve you Monday through Friday from 8:30 AM to 5:30 PM. You can count on us for a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. Need quick cash? We also have an ATM available for your convenience along with drive-thru banking options for deposits and simple transactions. While members can visit us at 701 Broadway St, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to give us a call at 828-253-8009. We invite you to stop by soon and discover how we can help you achieve your financial goals!

Member Eligibility

Becoming a member of State Employees' means joining a welcoming community that truly cares about your financial well-being. If you live, work, or attend school in North Carolina, you're likely eligible to become part of our family. We believe in making banking accessible and beneficial for everyone, so we encourage you to explore the possibilities that come with membership. At State Employees', you'll enjoy a range of services designed to meet your needs, from checking and savings accounts to loans and credit cards, all tailored with your interests in mind. To get started on your journey to membership, simply visit us at our branch located at 701 Broadway St Asheville Nc 28804 or give us a call at (828) 253-8009. You can find detailed eligibility criteria by checking out our website at http://www.ncsecu.org/join#eligibility . Opening an account is easy too! Just follow the instructions provided here: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu . Join us today and discover how we can support you in achieving your financial goals!

Business Banking & Commercial Services

Practical Merchant Services

Beyond loans, our merchant services make day-to-day operations smoother. Imagine having quick access to payment processing that keeps your cash flow steady. Our solutions help you accept payments easily, whether through card transactions or online sales, so you can focus on what matters most growing your business. Located at 701 Broadway St Asheville Nc 28804 in Asheville, NC, we're ready to partner with you on your journey. Reach out at (828) 253-8009 to explore how we can assist in turning your business goals into reality!

Tailored 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.

Comprehensive List Of Services

Business Banking Solutions

For our entrepreneurial members, our business banking services include merchant services and business loans designed to help your business thrive. We're committed to supporting local businesses in Asheville with the financial tools they need to succeed.

Call-to-Action

Ready to explore what State Employees' can do for you? Contact us at 828-253-8009 or visit us in person during our operating hours from Monday through Friday, 8:30 AM to 5:30 PM. Experience firsthand how we can support your financial journey today! For more information about our services or to get started online, check out our website at ncsecu.org. We look forward to serving you!

Digital Banking Convenience

In today's fast-paced world, convenience matters more than ever. That's why we offer robust online and mobile banking options. You can easily manage your accounts, transfer funds, and pay bills from the comfort of your home or on-the-go using our user-friendly app. Plus, with ATM availability and drive-thru services at our branch, accessing cash or completing basic transactions has never been easier.

Home Financing

When it comes to home ownership, we understand how important it is to have reliable mortgage loans and refinancing options available. Whether you're buying your first home or looking to refinance your existing mortgage for better rates, our knowledgeable team is ready to assist you every step of the way.

Loans and Credit Options

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation services tailored to fit your needs. Coupled with credit cards that provide rewards, you can manage your finances while earning benefits along the way.

Personal Banking

Our personal banking options include checking and savings accounts that cater to various lifestyles and preferences. Imagine having a checking account that not only simplifies your day-to-day transactions but also offers features like mobile banking for easy access anytime, anywhere. Need a little extra help with financing? Our auto loans and vehicle financing solutions can help get you behind the wheel of that new car you've been eyeing.

Digital & Online Banking

Key Features for Your Convenience

Our mobile application makes banking on the go a breeze. You can pay bills, view transaction history, and even make mobile payments with ease. If you're someone who prefers paperless options, you'll be pleased to know that we offer e-statements for your accounts keeping your financial documents organized and secure. For those moments when you need to sign documents quickly, we provide electronic signature authorization, making it easier to complete transactions without the hassle of printing or mailing paperwork.

Stay Connected with Your Money

While person-to-person transfers aren't available at this time, you can still enjoy a variety of convenient features tailored for today's busy lifestyle. Our mobile app allows you to stay connected with your finances wherever you are. Plus, our commitment to security means that your information is protected while you bank online. Experience the future of banking with State Employees' where managing your money is not just secure but also incredibly convenient. Visit us online today at https://www.ncsecu.org/ and take advantage of everything our digital services have to offer!

Financial Strength

Investing Back into Our Community

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 commitment to lending is clear; we have $193,516 in used auto loans and $34,904,944,116 in total loans and leases available to support your financial goals across various sectors.

Member-Centric Savings Options

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 operational efficiency is highlighted by a net income of $0, which allows 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.

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.

Trust Built Over Time

We value our member relationships deeply; with a total of 5,850,875 accounts, it's clear that many have chosen to trust us with their finances. Our net shares amount to $574,556,810, further showcasing the stability we provide. 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 701 Broadway St Asheville Nc 28804 or call (828) 253-8009 to learn more about how we can help you achieve your financial goals.

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 $1,138,258,230 in new vehicle loans and $2,955,872,351 in used vehicle loans to help our members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used vehicle, we are here to provide competitive rates and flexible terms tailored to your unique situation.

Credit Lines

For those who prefer ongoing access to funds without needing to apply for individual loans each time, we provide credit lines amounting to $18,909,000,000. This option allows you to borrow what you need when you need it while only paying interest on the amount used. Our dedicated team at State Employees' is here to assist you every step of the way. For any questions regarding our loan products or eligibility requirements, feel free to reach out at (828) 253-8009 or visit us at our branch located at 701 Broadway St Asheville NC 28804. 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 look forward to helping you navigate your borrowing needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. We aim to make buying or refinancing as simple as possible so that you can focus on what truly matters creating a home for yourself and your loved ones. If you're considering refinancing your existing mortgage, our team is ready to discuss eligibility options with you.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. With a total of $1,177,171,541 in loans issued, we offer flexible terms that help members manage their finances effectively. Whether it's for unexpected costs or planned purchases, our credit cards are designed with your convenience in mind.

Loan Aggregator

Benefits of Using LendMesh

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STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans