State Employees' Credit Union Beaufort NC: Top Auto Loans & Business Banking

Introduction

Welcome to State Employees', your trusted financial partner located at 1900 Live Oak St, Beaufort, NC 28516. Since our establishment in 1937, we have dedicated ourselves to serving our members with integrity and commitment. With a robust membership of over 2.8 million, we pride ourselves on being more than just a credit union; we are a community focused on helping you achieve your financial goals. At State Employees', we understand the importance of having reliable financial services at your fingertips. That's why we offer a wide range of products including personal banking accounts, auto loans, mortgages, and credit cards with rewards. With total assets exceeding $57 billion and total deposits reaching $7.87 billion, we ensure that your money is not only safe but also working for you. Our leadership team, led by CEO Leigh Brady and Board President Mona Moon, is dedicated to enhancing your experience with us. Together, they guide a team of over 8,200 employees who are here to assist you during our lobby hours from 8:30 AM to 5:30 PM, Monday through Friday. While you can visit us at our branch location in Beaufort, official correspondence should be sent to the same address for your convenience. We also invite you to explore our services online at ncsecu.org, where you can easily access online banking and mobile payment options. Whether you're looking for loans or simply want to start saving, we are here to provide personalized solutions tailored just for you. Don't hesitate to reach out; call us today at 252-728-0027 or stop by our branch. Join us as we continue building a brighter financial future together!

Branch History & Mission

At State Employees', we take pride in our rich history and unwavering commitment to the community of Beaufort, NC. Since opening our doors in 1937, we have grown from a small local institution into a vital financial resource for over 2.8 million members across the state. Our branch is located at 1900 Live Oak St, Beaufort, NC 28516, an area well-known for its beautiful coastal views and vibrant community spirit. Our mission is simple yet powerful: to provide exceptional financial services while supporting the needs of our members and the broader community. We strive to make banking accessible and straightforward, whether through personal banking options like checking accounts and loans or through business services that help local enterprises thrive. Over the decades, we have adapted to meet the changing needs of our members. Our total assets now stand at an impressive $57,229,286,839, reflecting our strong financial foundation and ability to support various member services. We are dedicated to enhancing your banking experience by embracing technology; you can enjoy online and mobile banking options that allow you to manage your finances conveniently from anywhere. In addition to these advancements, we ensure that our facilities comply with ADA standards, making them accessible to everyone. Our branch features a drive-thru service for easy transactions and an ATM available on-site for quick cash access. While members can visit us at 1900 Live Oak St, official correspondence should be sent to 1900 LIVE OAK ST, BEAUFORT, NC 28516 if needed. Our friendly team is here during operating hours from Monday to Friday, 8:30 AM to 5:30 PM, ready to assist you with any inquiries. Community involvement is at the heart of what we do. We believe in giving back through partnerships with local organizations and outreach programs that uplift those around us. By joining us at State Employees', you're not just becoming a member; you're becoming part of a mission dedicated to fostering growth and support within our community. We invite you to experience firsthand the benefits of membership at State Employees'. Join us today and see how we can help you achieve your financial goals while working together for a brighter future in Beaufort and beyond! For more information or to get started, give us a call at 252-728-0027 or visit our website at ncsecu.org.

Branch Location & Accessibility

ATM Availability

Need cash on the go? You'll find an ATM right outside our branch for your convenience. Whether you're making withdrawals or checking your balance, we've got you covered.

Convenient Access

At State Employees', we prioritize your convenience. The branch features ample parking, ensuring a hassle-free visit. For those requiring special assistance, we are fully ADA compliant, equipped with ramps and accessible entrances to make banking easy for everyone.

Friendly Reminder

While members can visit us at 1900 Live Oak St for all their banking needs, official correspondence should be sent to the same address as well. We invite you to stop by or give us a call at 252-728-0027 if you have any questions about how we can help you achieve your financial goals. At State Employees', we look forward to serving you!

Operating Hours and Services

Our lobby hours are welcoming as well open Monday through Friday from 8:30 AM to 5:30 PM. During these hours, our dedicated staff is available to assist you with a range of services including personal banking, auto loans, mortgage options, and credit cards with rewards. We also offer drive-thru banking for quick transactions like deposits and withdrawals.

Member Eligibility

At State Employees', we believe that joining our credit union means becoming part of a welcoming community that supports your financial journey. If you're wondering how to become a member, it's simple! Anyone who works for the state or has a family member who does can join us. We also welcome individuals who live, work, or worship in our local area. This means if you're part of the vibrant Beaufort community, you're likely eligible too! By becoming a member at State Employees', you'll gain access to a range of benefits, from low-interest loans to personalized banking services designed just for you. To get started, visit us at 1900 Live Oak St Beaufort Nc 28516 or give us a call at (252) 728-0027 for any questions. You can find detailed eligibility criteria on our website at http://www.ncsecu.org/join#eligibility, which is always up to date. When you're ready to open an account, check out the easy steps available at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. We can't wait to welcome you into our family!

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

Imagine your customers enjoying a smooth checkout experience, whether they're shopping online or at your physical store. Our merchant services simplify payment processing, allowing you to focus on what you do best running your business. With easy-to-use tools and support tailored for local businesses in Beaufort, NC, we help ensure that payments are quick and secure. For more information about how we can support your business, visit us at 1900 Live Oak St Beaufort Nc 28516 or call us at (252) 728-0027. Together, let's build a brighter future for your business!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll be pleased to know that we provide robust business banking services as well. Our merchant services ensure that you can accept payments easily while our business loans offer the financial support you need for growth or startup costs.

Credit Solutions

For those facing unexpected expenses or looking to consolidate debt, our personal loans can be a great solution. We also offer credit cards with rewards that make every purchase more rewarding! Whether it's travel perks or cashback on everyday spending, we aim to add value back into your finances.

Digital Banking Convenience

In today's fast-paced world, we recognize the importance of convenience. That's why State Employees' offers online and mobile banking features that allow you to manage your accounts anytime, anywhere. With our mobile app, you can check balances, pay bills, and transfer funds at your fingertips. Plus, our ATM services give you easy access to cash when you need it most.

Drive-Thru and ATM Services

For those who prefer face-to-face interactions but are short on time, our basic drive-thru banking allows you to handle deposits and withdrawals quickly without stepping inside the branch. And if you're on the go? Our ATMs are available for quick cash withdrawals and balance checks whenever you need them. With all these services available at State Employees', located conveniently at 1900 Live Oak St Beaufort Nc 28516 in Beaufort, NC 28516, we invite you to reach out with any questions or visit us during our operating hours from Monday through Friday between 8:30 AM and 5:30 PM. For personalized assistance or further information about opening an account or applying for a loan, don't hesitate to call us at (252) 728-0027. Your financial journey starts here let's take it together!

Personal Banking

Starting with personal banking, our checking and savings accounts are designed to help you manage your money effectively. You can easily set up automatic transfers or direct deposits, making saving for those special occasions effortless. If you're thinking about getting a new vehicle, our auto loans and vehicle financing solutions provide competitive rates and flexible terms to make the buying process smooth. When it comes to homeownership, our mortgage loans and refinancing options can help you find the right path. We know how important it is to have a place to call home, so whether you're purchasing your first house or looking to refinance an existing loan for better rates, we're here for you every step of the way.

Digital & Online Banking

Key Services

Our online banking service is accessible 24/7, giving you the freedom to check your account balances, transfer funds, and pay bills at your convenience. You'll also enjoy the option of e-statements, which means you can go paperless while keeping track of your financial history with ease. Plus, with electronic signature authorization available, signing important documents has never been simpler or safer. For those who prefer banking on-the-go, our mobile application is here to help! You can make mobile payments quickly and securely, allowing you to pay for purchases right from your phone. While person-to-person transfers are not currently offered, we ensure that all other features are designed with your convenience in mind.

Security and Ease-of-Use

Your security is our top priority. Our online banking system incorporates advanced security measures to protect your information so you can bank with peace of mind. We've made sure that navigating through our digital services is straightforward and intuitive so that even if you're not tech-savvy, you'll find it easy to manage your accounts. With tools for real-time account management at your fingertips, taking charge of your finances has never been more accessible. Whether you're at home or out and about in Beaufort, State Employees' provides the support you need to stay on top of your banking needs. Explore everything our digital banking options have to offer by visiting us at https://www.ncsecu.org/ 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. With a strong commitment to our community and an unwavering focus on providing exceptional service, we ensure that your financial well-being is always prioritized. 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 9.71% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This robust structure allows us to be here for you today and into the future. 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. Our commitment to long-term growth is reflected in our $133,577,509 in undivided earnings, which allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We also proudly support our community with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, empowering you to reach your financial goals across various sectors. Our operational efficiency shines through with a net income of $2,145,244, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 7,729 full-time employees and 529 part-time employees dedicated to delivering exceptional service at every visit. With net shares available for lending and investments totaling $574,556,810, we foster an environment where your money works harder for you. Our growing member base is evidenced by a total of 5,850,875 share accounts, showcasing the trust placed in us by the community. 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 1900 Live Oak St Beaufort Nc 28516 or call (252) 728-0027 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. We've already provided 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. Our flexible terms make it easy for you to find a loan that fits your budget.

Credit Lines and Personal Loans

If you're looking for more flexibility in managing your expenses or funding personal projects, consider our total credit lines amounting to $18,909,000,000. These options are designed to provide you with quick access to cash when you need it most. For those interested in refinancing existing loans or exploring eligibility options for any of our products, please don't hesitate to reach out. We're committed to helping you find solutions tailored specifically for you. Feel free to contact us at (252) 728-0027 during our lobby hours from Monday to Friday between 8:30 AM and 5:30 PM for more information about our loan offerings or visit our website at ncsecu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. We make buying or refinancing simple and straightforward. You can rely on us for guidance every step of the way.

Unsecured Credit Card Loans

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. Our credit cards come with competitive rates and features designed to support your spending needs while keeping your finances in check.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION - Beaufort, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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