State Employees' Credit Union Black Mountain NC: Affordable Auto Loans & Quick Personal Banking

Introduction

Welcome to State Employees' Credit Union, your trusted financial partner located at 313 W State St, Black Mountain, NC 28711. 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 base of 2,847,943 individuals, we are dedicated to providing tailored financial solutions that meet the unique needs of our community. At State Employees', we understand the importance of financial security and growth. Our total assets exceed an impressive $57,229,286,839, reflecting our commitment to responsible management and member-focused services. We offer a wide range of products including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. While you can always visit us at our branch in Black Mountain, please note that any official correspondence should be sent to the same address: 313 W STATE ST, BLACK MOUNTAIN, NC 28711. Led by CEO Leigh Brady and Board President Mona Moon, our team of 8,258 employees is here to assist you with every step of your financial journey. Whether you're looking to apply for a loan or need guidance on managing your finances, we are committed to being there for you. With total deposits amounting to $7,866,265,767 and a net worth of $5,446,832,560, we take pride in our stability and the trust placed in us by our members. Our dedication extends beyond just numbers; it's about making a positive impact within the communities we serve. We invite you to explore all that State Employees' Credit Union has to offer. For more information or if you have questions about our services, please don't hesitate to call us at 828-669-2722 during our operating hours from Monday to Friday between 8:30 AM - 5:30 PM. Join us today and experience the difference that member-focused banking can make!

Branch History & Mission

Commitment to Service

In addition to our comprehensive range of banking services, we prioritize convenience for our members. Our branch offers ATM availability and drive-thru banking options for those who prefer quick service without leaving their vehicles. We operate Monday through Friday from 8:30 AM to 5:30 PM, making it easy for you to visit us when it fits your schedule. While members can visit us at 313 W State St Black Mountain Nc 28711, official correspondence should be sent to 313 W STATE ST, BLACK MOUNTAIN, NC 28711 if different. As part of our ongoing commitment to accessibility and innovation, we offer online and mobile banking features that allow you to manage your finances anytime and anywhere.

Join Us

We invite you to become part of the State Employees' Credit Union family. Experience first-hand how our dedicated team can assist you in navigating your financial journey while being supported by a community-focused organization. Together, let's build a brighter financial future! For more information or assistance with opening an account, please call us at (828) 669-2722 or visit our website at https://www.ncsecu.org/. Join us today!

Our Mission

At State Employees' Credit Union, our mission is clear: we aim to empower our members through accessible financial services while fostering community growth and support. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's purchasing a home, financing a vehicle, or simply saving for the future. Our offerings include personal banking options such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more. We are also dedicated to giving back to the communities we serve. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact beyond just financial transactions. Whether it's sponsoring local events or providing educational resources about financial literacy, we take pride in being an active participant in enhancing the quality of life in Black Mountain.

Branch Location & Accessibility

Accessibility and Parking

At our branch, we prioritize accessibility for all our members. The facility is ADA compliant, featuring ramps and designated parking spaces close to the entrance. We have ample parking available, so you can stop by without worrying about finding a spot.

Call to Action

Ready to experience convenient banking? Stop by our Black Mountain branch today or give us a call at 828-669-2722. We look forward to welcoming you!

Operating Hours

We understand that life gets busy, which is why we're here for you Monday through Friday from 8:30 AM to 5:30 PM. Whether you need assistance with personal banking, loans, or any other services we offer, our friendly team is ready to help during those hours.

Services Offered

Our branch provides a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? Enjoy our ATM services anytime, or take advantage of our drive-thru for quick transactions like deposits and withdrawals. While members can visit us at 313 W State St for all their banking needs, please send any official correspondence to the same address as our mailing address 313 W STATE ST, BLACK MOUNTAIN, NC 28711 if that's necessary.

Member Eligibility

Welcome to the vibrant community at State Employees'! Becoming a member here is not just about opening an account; it's about joining a family that supports your financial journey. To become part of our community, you simply need to meet some friendly eligibility criteria. If you're a resident of North Carolina or are employed by the state, you're likely eligible! We welcome not only individuals but also their families, making it easier for everyone to enjoy the benefits of membership. For a more detailed look at who can join us, feel free to check out the specifics at http://www.ncsecu.org/join#eligibility. Getting started is simple! You can open an account online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (828) 669-2722 if you have any questions. Our team is ready to assist you every step of the way, ensuring that your transition into membership is smooth and welcoming. Join us at State Employees', located at 313 W State St Black Mountain Nc 28711, where we believe in building relationships that last and helping you achieve your financial dreams!

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

In addition to loans, we offer comprehensive merchant services designed to simplify your payment processing. Imagine having the tools to accept payments seamlessly, whether online or in-person. This means faster transactions and happier customers, allowing you to focus more on what matters growing your business! Visit us at 313 W State St Black Mountain Nc 28711, Black Mountain, NC or call us at (828) 669-2722 to learn how we can support your business goals today!

Comprehensive List Of Services

Accessing Services

Whether you're visiting us in person or using our digital tools, we strive to make banking as straightforward as possible. Our friendly team is here during lobby hours from Monday through Friday from 8:30 AM to 5:30 PM to assist with any questions or transactions you may have. Ready to take the next step? We invite you to visit us at 313 W State St Black Mountain Nc 28711 or give us a call at (828) 669-2722. Discover how State Employees' can help simplify your financial life today! For more information about membership eligibility or to open an account online, check out our website for all the details.

Business Banking

For our entrepreneurial members, we offer comprehensive business banking solutions. From merchant services that facilitate smooth transactions to various types of business loans, we are here to support local businesses in achieving their goals.

Credit Cards

Consider exploring our credit cards with rewards, which allow you to earn points on everyday purchases. Whether it's for travel, shopping, or dining out, these rewards can enhance your spending experience while keeping costs manageable.

Digital Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms empower you to manage your finances anytime, anywhere. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with our ATM services and basic drive-thru banking options available at our branch, accessing cash or completing simple transactions has never been easier.

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your money effortlessly. Imagine having an account that not only keeps your funds safe but also allows you to earn interest as you save. For those looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates, making it easier for you to drive away in your dream car. When it comes to homeownership, mortgage loans and refinancing are available to help you secure the best possible deal on your new home or reduce your current mortgage payments. If life throws unexpected expenses your way, our personal loans and debt consolidation options can provide the financial relief you need.

Digital & Online Banking

Enjoy Secure Features

Security is a top priority for us. With electronic signature authorization available, signing documents securely online is hassle-free. You can also opt for e-statements, which not only reduce paper clutter but also keep your financial information safe and accessible anytime you need it.

Explore Our Online Services

With our comprehensive online banking platform available at https://www.ncsecu.org/, you can access your accounts 24/7. This means you can check balances, pay bills, and transfer funds whenever it suits you. Plus, our mobile application makes it even simpler to manage your money from your smartphone or tablet.

Simple Transactions Made Easy

Need to make payments quickly? Our mobile payments feature allows you to pay friends or businesses directly from your phone without any fuss. Although we currently don't offer person-to-person transfers, our other digital solutions ensure that handling your banking needs is straightforward and efficient.

User-Friendly Access Anytime

Whether you're an early bird or a night owl, our online banking services are here for you around the clock. The user-friendly interface ensures that even those new to digital banking will feel comfortable navigating their accounts. With everything designed with you in mind, managing your finances has never been more accessible. In summary, State Employees' offers a range of digital banking services that prioritize convenience and security. Explore what we have to offer today by visiting https://www.ncsecu.org/!

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. We understand that in today's world, having a strong financial foundation is more important than ever. That's why we're proud to share insights into our financial strength, which reflects our commitment to serving you effectively. 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. 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. 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 members' financial goals with $193,516 in used auto loans and $34,904,944,116 in total loans and leases. Our operational efficiency is reflected in our $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. Net Shares (Funds available for lending and investments): $574,556,810. Total Share Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. 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 313 W State St Black Mountain Nc 28711 or call (828) 669-2722 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 also provide refinancing options if you're looking to lower your payments or adjust your loan terms.

Business Financing

For business owners, while we currently do not have outstanding commercial loans available, we encourage you to check back for future opportunities that can provide the capital needed to grow and expand your business. If you have any questions or would like more information about our loan products, feel free to reach out at (828) 669-2722 during our operating hours from Monday to Friday, 8:30 AM - 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can assist you in reaching your financial dreams today!

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. Whether you need to cover unexpected expenses or want to consolidate debt, our credit card products are designed with your needs in mind.

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 can guide you through eligibility options to find the best fit for your situation.

Loan Aggregator

Benefits of Using LendMesh

One of the key advantages of LendMesh is its emphasis on verified data. Loan offers are sourced exclusively from legitimate financial institutions, which helps maintain transparency throughout the comparison process. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, the platform's goal is to provide users with unbiased results that they can trust. Another significant benefit is the real-time rate comparisons provided by LendMesh. Users have access to up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly and efficiently. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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 - Black Mountain, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Black Mountain, NC (28711)