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Mortgage Loans
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Personal Loans
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Introduction
Welcome to State Employees', your trusted financial partner located at 111 Smokey Park Hwy, Asheville, NC 28806. Since our establishment in 1937, we've been dedicated to serving our community with integrity and care. With a robust membership of 2,847,943 and total assets exceeding $57 billion, we are committed to providing exceptional financial services tailored to meet the needs of our members. As part of the North Carolina State Employees Credit Union family, we pride ourselves on offering a range of services including personal banking, auto loans, mortgages, and business banking solutions. Our friendly team of over 8,258 employees is here to assist you every step of the way. Under the leadership of our CEO, Leigh Brady, and Board President, Mona Moon, we strive to create an environment where every member feels valued and supported. While you can visit us at our Asheville branch for all your banking needs, official correspondence should be sent to our mailing address: 111 SMOKEY PARK HWY, ASHEVILLE, NC 28806. We maintain a healthy financial standing with total deposits reaching $7.87 billion and a net worth of $5.45 billion, ensuring that your money is safe and sound with us. At State Employees', we believe in giving back to our community. Your success is our success, and we work hard to provide resources that empower you financially. Whether you're looking for guidance on loans or simply need assistance with your accounts, we're just a phone call away at 828-665-4801. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members! Visit our website at ncsecu.org for more information or stop by our branch during lobby hours from Monday to Friday, 8:30 AM - 5:30 PM. We look forward to welcoming you into our family!
Branch History & Mission
Community Connection
We take pride in being more than just a financial institution; we are active participants in the Asheville community. Through partnerships with local organizations and initiatives, we strive to make a positive impact on those around us. Our staff is dedicated to understanding your needs and ensuring that every member feels valued and supported. While you can visit us at 111 Smokey Park Hwy, please note that official correspondence should be directed to 111 SMOKEY PARK HWY, ASHEVILLE, NC 28806 if different from our branch address.
Join Us Today!
We invite you to become part of the State Employees' family. Experience firsthand the benefits of membership personalized service, competitive rates, and a commitment to your financial well-being. Visit us today or call us at (828) 665-4801 to learn more about how we can help you thrive in your financial journey!
Mission Statement
At State Employees', our mission is simple yet profound: to empower our members through accessible financial services while fostering strong community ties. We believe that when our members thrive, so does the community. This belief drives us to provide not just banking solutions but also support for local initiatives and outreach programs. Our branch operates Monday through Friday from 8:30 AM to 5:30 PM, making it easy for you to stop by and see how we can assist you. For your convenience, we also offer an ATM on-site and drive-thru banking services for quick transactions.
Our Journey
From our humble beginnings, State Employees' has evolved into a cornerstone of financial support for individuals and families in Asheville. We understand the unique needs of our community, which is why we offer a range of services tailored to help our members achieve their financial goals. Whether it's personal banking, auto loans, or mortgages, our commitment to excellent service remains unwavering.
Branch Location & Accessibility
A Friendly Welcome
Our branch is open Monday through Friday from 8:30 AM to 5:30 PM, providing ample time for you to stop by and take care of your banking needs. Whether you're looking to open a new account, apply for an auto loan, or simply ask a question, our friendly staff is here to help.
Accessibility Features
We understand how important accessibility is for our members. Our branch features ADA-compliant entrances and pathways, ensuring that everyone can visit us comfortably. Plus, we offer drive-thru banking services for those who prefer the convenience of staying in their vehicle. Need cash? You'll find our ATM readily available on-site for quick withdrawals and balance checks.
Additional Services
While visiting us at 111 Smokey Park Hwy, you'll discover a range of services tailored just for you, including personal banking options like checking and savings accounts, as well as loans for vehicles and mortgages. If you have any questions about your banking options or need assistance with online services, don't hesitate to ask our knowledgeable team. For any official correspondence, please note that our mailing address is also 111 Smokey Park Hwy, Asheville, NC 28806.
Come See Us!
We invite you to drop by the State Employees' branch today! Give us a call at 828-665-4801 if you have any questions or need directions. We look forward to serving you and being your trusted financial partner in Asheville!
Member Eligibility
Becoming a member of State Employees' feels like stepping into a close-knit community where your financial well-being matters. If you live, work, or worship in the area, you're likely eligible to join us! We welcome individuals who are part of specific groups or organizations that align with our mission. For a detailed look at all eligibility criteria, feel free to check out our resource at http://www.ncsecu.org/join#eligibility. Joining is straightforward and rewarding, opening doors to various benefits such as competitive loan rates, personalized service, and an array of banking products tailored for your needs. Ready to take the next step? You can easily open an account online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or if you prefer a personal touch, give us a call at (828) 665-4801. Our friendly team is here to assist you with any questions you might have about membership and services. Come be a part of something special at State Employees', located at 111 Smokey Park Hwy Asheville Nc 28806!
Business Banking & Commercial Services
Commercial Loans
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 that simplify payment processing for your business. Picture this: a busy Saturday at your local café where every second counts. With our reliable merchant services, you can accept payments quickly and securely, allowing you to focus on what matters most serving your customers. Visit us at 111 Smokey Park Hwy Asheville Nc 28806 in Asheville, NC or call us at (828) 665-4801 to learn more about how our business banking solutions can help you thrive.
Comprehensive List Of Services
Additional Services
At State Employees', we believe in making banking as accessible as possible. Our branch offers an ATM for cash withdrawal services and basic drive-thru banking for quick transactions. This means whether you prefer managing your money digitally or visiting us in person at our convenient location at 111 Smokey Park Hwy Asheville NC 28806, we're here for you. If you're interested in learning more about any of these services or want assistance opening an account, please feel free to reach out at 828-665-4801 during our operating hours from Monday to Friday, 8:30 AM - 5:30 PM. Join us today at State Employees' where your financial wellness is our priority!
Business Banking Services
For our entrepreneurial members, we also provide comprehensive business banking solutions. From merchant services that help streamline payment processes to tailored business loans, we support local businesses in thriving and growing.
Convenient Digital Banking
In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your finances anytime, anywhere. With features like ATM access for withdrawals and balance checks, along with basic drive-thru banking for deposits and simple transactions, we've made it easy for you to stay on top of your finances without hassle.
Personal Banking Solutions
Our personal banking services are designed with your everyday needs in mind. We offer a variety of checking and savings accounts that fit different lifestyles. Need a new car? Our auto loans and vehicle financing options make it easy to drive off in a new ride without breaking the bank. If you're considering buying a home or refinancing your current mortgage, our mortgage loans can help you secure the best rates available. In times when unexpected expenses arise, our personal loans and debt consolidation services can provide you with the financial relief you need. Plus, don't forget about our credit cards with rewards, which let you earn points on your everyday purchases!
Digital & Online Banking
Convenient Online Services
With just a few clicks, you can access your account anytime through our online banking portal at https://www.ncsecu.org/. This service is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Plus, enjoy the benefit of electronic statements with Yes, making it easier than ever to track your spending without the hassle of paper clutter.
Mobile Banking on the Go
Need to make a quick payment or check your account while out? Our mobile application, available for download, lets you handle transactions right from your smartphone. With features like mobile payments using Yes, managing your money has never been easier. You can also utilize person-to-person transfers for quick transactions among friends or family, although currently, this feature isn't available.
Real-Time Account Management
Stay updated with real-time account management features that allow you to see changes instantly. Whether it's a new deposit or recent transaction, you'll always be in the loop about your finances. This level of accessibility ensures that you're never far from what matters most your money. In summary, our digital and online banking services at State Employees' are all about providing ease and security in managing your financial life. Explore all these options today by visiting https://www.ncsecu.org/ and take full advantage of modern banking made simple!
Secure Transactions
Security is our priority. We use advanced technology to ensure that your personal information remains protected while you bank online. For added convenience, you can sign documents electronically with Yes, eliminating the need for printing and mailing.
Financial Strength
Commitment to 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 supports your financial goals with $193,516 in used auto loans and $34,904,944,116 in total loans and leases.
Efficient Operations
Our operational efficiency is evident with a net income of $0, 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.
Growing Trust
Total Share Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $574,556,810, we are well-positioned to support your needs. 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 111 Smokey Park Hwy Asheville Nc 28806 or call (828) 665-4801 to learn more about how we can help you achieve your financial goals.
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.
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
Additional Financing Options
If you're considering refinancing your current loans or exploring eligibility options for our various products, we are here to guide you through the process. Our team is dedicated to providing personalized service and ensuring that you find the right solution for your financial situation. For any inquiries or assistance regarding our loan offerings, feel free to reach out at (828) 665-4801. You can visit us at 111 Smokey Park Hwy Asheville Nc 28806, located 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 invite you to explore how our loan offerings can help meet your specific needs today!
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. These loans come with flexible terms tailored to fit your budget, making it easier for you to drive away with the vehicle you need.
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 offer competitive rates and assistance throughout the process to ensure that you feel supported every step of the way.
Unsecured Credit Card Loans
For those looking to manage their finances effectively, we also offer flexible terms on unsecured credit card loans, with a total of $1,177,171,541 in loans available. This option provides you with the freedom to handle unexpected expenses while keeping your finances organized.
Loan Aggregator
Accurate Loan Comparisons
LendMesh ensures accurate loan comparisons by sourcing data 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 users receive fair and transparent offers tailored to their financial needs.
Benefits of Using LendMesh
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