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

Introduction

Welcome to State Employees' Credit Union, located at 168 Annette Dr, Benson, NC 27504. Established in 1937, we have proudly served our community for over 85 years, fostering a spirit of cooperation and support among our members. With a robust membership of 2,847,943 and total assets exceeding $57 billion, we are dedicated to providing financial solutions that empower individuals and families in our community. At State Employees', we understand the importance of financial well-being. Our offerings include personal banking services like checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and business banking options. We also provide modern conveniences such as online and mobile banking to ensure that you can manage your finances anytime, anywhere. Our commitment to our members is reflected not only in our diverse range of services but also in our financial strength. We hold a net worth of $5,446,832,560 and total deposits of $7,866,265,767, ensuring that your money is secure with us. Plus, with $708,661,969 in cash on hand, we're always ready to meet your needs. Led by our CEO Leigh Brady and Board President Mona Moon, our team of 8,258 employees is here to help you navigate your financial journey with personalized service and care. Whether you're looking for advice on saving for a new car or need assistance with a loan application, we're just a phone call away at 919-934-7878. While members can visit us at the branch address mentioned above for all their banking needs, official correspondence should be directed to the same location: 168 ANNETTE DR, BENSON, NC 27504. We invite you to explore how State Employees' Credit Union can support you today. Visit our website at ncsecu.org for more information or come see us in person! Your financial future starts here.

Branch History & Mission

Join Us Today

As we look toward the future, we invite you to become part of the State Employees' family. Experience firsthand how we can help you navigate your financial journey with ease and confidence. Visit us at our branch or explore more about joining at our website. Together, let's build a brighter future for you and your family!

Our Mission

At State Employees', our mission goes beyond providing financial services; it's about enriching lives and empowering individuals. We believe that everyone deserves access to quality banking solutions tailored to their unique situations. Whether you're seeking checking and savings accounts, auto loans, mortgage options, or credit cards with rewards, we are here to help you achieve your financial goals. We take great pride in being actively involved in community outreach initiatives. Our partnerships with local organizations allow us to contribute positively to the lives of those around us. By supporting educational programs and local events, we strive to uplift the community that has supported us for so long.

Our Story

Located at 168 Annette Dr, Benson, NC 27504, our branch has been a cornerstone of the local community for decades. From humble beginnings, we have expanded our offerings and resources to meet the evolving needs of our members. Our total assets now stand at an impressive $57,229,286,839, reflecting our growth and stability over the years. While our headquarters is based in Raleigh, NC, we focus on building meaningful relationships within the Benson area. Our dedicated team operates from Monday through Friday from 8:30 AM to 5:30 PM, ensuring we are available when you need us most. We also offer convenient drive-thru banking and ATM services for quick transactions.

Branch Location & Accessibility

Accessibility and Parking

At our branch, we prioritize accessibility for all members. Our facility features ADA-compliant entrances and ramps to ensure everyone can visit us with ease. Plus, there's ample parking available right outside the door, so you won't have to worry about finding a space when you arrive.

Call to Action

We invite you to visit us at our Benson branch today! If you have questions or need assistance before your visit, feel free to give us a call at 919-934-7878. Our friendly staff is eager to help you with any banking needs you may have. We look forward to welcoming you soon!

Operating Hours

We're here for you Monday through Friday from 8:30 AM to 5:30 PM. Our dedicated team is ready to assist you during these hours, whether you're stopping by for a quick transaction or need help with more complex banking needs.

Services Offered

At State Employees', we offer a wide range of services tailored to fit your financial goals. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got something for everyone. Additionally, enjoy the convenience of our drive-thru banking service for quick deposits and withdrawals without leaving your vehicle. And if you're looking for an ATM, we've got one available on-site for easy access to cash and balance inquiries.

Member Eligibility

Becoming a member of State Employees' is like joining a family that truly cares about your financial well-being. If you're a state employee, a member of their immediate family, or even a retiree from state service, you're already on the path to membership! It's as simple as that. Our community thrives on helping each other achieve financial goals, and by joining us at State Employees', you'll gain access to a wide range of services tailored just for you, including checking and savings accounts, loans, and online banking options. Ready to take the next step? You can find more details about eligibility by visiting http://www.ncsecu.org/join#eligibility. If you're all set to open an account, just head over to https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, don't hesitate to give us a call at (919) 934-7878. We can't wait to welcome you to our supportive community here at State Employees', located at 168 Annette Dr Benson Nc 27504!

Business Banking & Commercial Services

Merchant Services That Empower

In today's fast-paced market, having efficient payment solutions is crucial. Our merchant services enable businesses to accept payments easily, whether in-store or online. This means more convenience for your customers and smoother transactions for you, allowing you to focus on what matters most growing your business. Visit us at 168 Annette Dr Benson Nc 27504, Benson, NC or call us at (919) 934-7878 to learn how our tailored business banking solutions can help your venture reach new heights!

Tailored Loan Solutions

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. Additionally, 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

Small business owners will find valuable support in our Business Banking services, which include Merchant Services & Business Loans. We aim to empower local businesses by providing the resources they need to thrive in today's economy.

Digital Convenience

In today's busy world, convenience is key. That's why we offer robust Online & Mobile Banking features. With these tools, you can manage your accounts from anywhere at any time whether it's checking your balance on the go or making transactions with just a few taps on your phone. Our platform includes features like electronic statements and mobile payments to keep your banking experience modern and efficient.

Drive-Thru and ATM Access

Need to make a quick deposit or withdrawal? Our Basic Drive-Thru Banking service allows you to handle simple transactions without leaving your car. And with our ATMs available for cash withdrawals and balance checks, accessing your funds has never been easier. We invite you to visit us at State Employees', where our friendly staff is ready to help you explore all the financial services we offer. For more information or assistance, don't hesitate to call us at (919) 934-7878. Your financial journey starts here!

Loans and Financing

For those considering buying a car or refinancing an existing loan, our Auto Loans & Vehicle Financing options are flexible and competitive. If you're thinking about purchasing a home, our Mortgage Loans & Refinancing services can help make that dream a reality. We also provide Personal Loans & Debt Consolidation solutions for members who want to simplify their finances or cover unexpected expenses.

Personal Banking

When it comes to personal banking, we have you covered with our Checking & Savings Accounts designed to help you manage your everyday finances effortlessly. You can easily access your funds through our ATM & Cash Withdrawal Services, ensuring you're never far from your money. Plus, if you're looking for ways to save or earn rewards, our Credit Cards with Rewards program offers great benefits for everyday purchases.

Digital & Online Banking

Additional Features

While person-to-person transfers aren't available at this time, our other features still make managing your money straightforward. Whether you want to set up alerts for spending or keep track of upcoming bills, our tools will help you maintain control over your finances. With 24/7 online banking services available, you're not limited to traditional banking hours. Accessing your accounts whenever it suits you means more flexibility in how you manage your money. At State Employees', we prioritize making banking simple and secure for our members. Join us today and experience the ease of digital banking!

Mobile Application

For those who prefer banking on the go, our mobile application provides all the essential features right at your fingertips. You can make mobile payments easily and securely, ensuring that you never miss a beat whether you're at home or out and about. With real-time account management, you can view transactions instantly and stay updated on your financial health.

Online Banking Services

Our online banking platform at https://www.ncsecu.org/ offers a user-friendly experience that puts you in control. You can check your account balances, transfer funds, pay bills, and even set up e-statements for a paperless approach to managing your finances no more clutter from piles of paperwork! Plus, with our electronic signature authorization feature, signing documents has never been easier or safer.

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

Member Savings and Investments

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 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 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.

Our Financial Health

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.

Strong Membership Base

Total Share and Deposit Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $574,556,810. 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 168 Annette Dr Benson Nc 27504 or call (919) 934-7878 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. We provide financing options tailored to fit your budget and lifestyle.

Credit Lines

If you need more flexibility in managing your cash flow or unexpected expenses, consider our credit lines totaling $18,909,000,000. This option allows you to borrow only what you need while having access to funds when necessary. We also provide refinancing options across various products to help you lower your payments or take advantage of better rates. To learn more about eligibility and how we can assist you further, feel free to contact us at 919-934-7878 or visit us at our branch located at 168 Annette Dr., Benson NC 27504. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At State Employees', we're here to support you on your journey towards financial success!

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 are committed to guiding you through the process so you can secure the home of your dreams with confidence.

Unsecured Credit Card Loans

For those managing daily expenses or looking for flexible spending solutions, we also offer unsecured credit card loans with a total of $1,177,171,541 in loans helping members manage their finances effectively. These cards come with competitive rates and terms that fit your lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help borrowers navigate the complex world of loans with ease and confidence. LendMesh ensures accurate loan comparisons by sourcing its 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 means users can trust that the offers they see are fair and transparent, giving them a reliable view of their options. One significant advantage of using LendMesh is its commitment to verified data. All loan offers come from legitimate financial institutions, ensuring transparency in what users are offered. Additionally, LendMesh does not feature sponsored listings lenders are not prioritized based on paid promotions. The goal is straightforward: to provide unbiased results that empower users to make informed decisions. With real-time rate comparisons, LendMesh displays up-to-date loan rates from multiple institutions. This feature allows users to quickly identify the most competitive rates available, thus aiding them in making choices that best fit their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the tool's effectiveness and reliability. 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.*

STATE EMPLOYEES' CREDIT UNION - Benson, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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