Nc State Employee Credit Union

Nestled in the charming town of Brevard, NC, the State Employees' Credit Union branch at 2235 Asheville Hwy is your trusted local resource for comprehensive financial solutions. Whether you're looking to secure one of the best auto loans with flexible vehicle financing or manage your personal banking through convenient checking and savings accounts, this branch offers friendly, expert service tailored to meet your unique needs. Open Monday through Friday from 8:30 AM to 5:30 PM, it’s easy to stop by and get personalized support designed around your schedule.
Serving nearly 2.85 million members with assets exceeding $57 billion, this Brevard location also excels with competitive mortgage loans and refinancing options that make homeownership more attainable. Business owners can take advantage of merchant services and business loans crafted to fuel growth. With convenient drive-thru banking and ATM access for quick deposits, withdrawals, and balance checks—plus secure online and mobile banking platforms—you have flexible ways to manage your money anytime.
Visit the State Employees' Credit Union branch in Brevard or call 828-884-2338 today to experience friendly, community-focused service. Discover how our signature auto loans and mortgage programs can help you confidently drive toward your financial goals!

Type of Loan Offerings

mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10-Year Fixed Rate
5.3 - 5.5 %
5.518 - 5.719 %
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
5-Year ARM
5.5 - 6.15 %
5.591 - 6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
15-Year Fixed Rate
5.5 - 5.8 %
5.654 - 5.955 %
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
First-Time Homebuyer's (5-Year ARM)
6.15 %
6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed Rate
6.2 - 6.75 %
6.325 - 6.878 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed Rate
6.5 %
6.596 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share-secured
3.1 - 6.75 %
2 - 10 Yrs
Share-secured term note
6.5 %
0.5 Yrs
Closed-end fixed rate
9.25 - 12.75 %
2 - 6 Yrs
Signature term note
11.75 %
0.5 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
5 % - 7.5 %
3 Yrs
Auto
5.25 % - 7.75 %
4 Yrs
Auto
5.5 % - 8 %
5 Yrs
Auto
5.75 % - 8.25 %
6 Yrs
Auto
6.5 % - 9 %
7 Yrs
Auto
7.25 % - 9.75 %
8 Yrs

Introduction

Welcome to State Employees' Credit Union, your trusted financial partner in Brevard, NC! Since our establishment in 1937, we have been dedicated to serving our community with integrity and commitment. Located at 2235 Asheville Hwy, our branch is more than just a place to manage your money; it's a hub for support, guidance, and financial empowerment for our members. With over 2.8 million members, we take pride in being one of the largest credit unions in the state. Our total assets exceed $57 billion, showcasing our stability and ability to support you through various financial needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or credit cards, we've got you covered. In fact, we currently have over 1.19 million loans and leases active for our members. Our leadership team is here to ensure that you receive the best service possible. Under the guidance of CEO Leigh Brady and Board President Mona Moon, our dedicated staff of 8,258 employees works tirelessly to create personalized solutions that fit your lifestyle. We understand that financial decisions can be daunting, which is why we strive to make every interaction positive and informative. While members can visit us at our branch on Asheville Hwy, official correspondence should be sent to the same address for convenience: 2235 ASHEVILLE HWY, BREVARD, NC 28712. You can easily reach us at (828) 884-2338 during our lobby hours from 8:30 AM to 5:30 PM, Monday through Friday. At State Employees' Credit Union, your financial well-being is our top priority. With total deposits amounting to over $7.86 billion and a net worth of about $5.45 billion, you can trust that your money is secure with us. Additionally, we maintain a significant cash reserve of approximately $708 million, ensuring that we are always ready to assist when needed. Join us today and discover how we can help you achieve your financial goals! Visit our website at ncsecu.org or call us for more information on how you can become a member of our thriving community. Let's take this journey together towards a brighter financial future!

Branch History & Mission

Community Impact

We believe that banking goes beyond transactions; it's about building relationships. Our partnerships with local organizations highlight this belief as we actively engage in community outreach efforts aimed at fostering growth and support within Brevard. Whether it's sponsoring events or providing resources for local schools, we're committed to making a difference where it matters most. As we look ahead, we're excited about continuing this journey alongside our members. With features like drive-thru banking for added convenience and ATM availability for easy access to funds, we are here for you every step of the way. Join us at State Employees' today! Experience firsthand how we can help you achieve your financial goals while supporting a credit union that truly cares about its community. Visit us online or give us a call at 828-884-2338 we can't wait to welcome you!

Our Evolution

Since our inception, we have evolved in response to the changing needs of our members and the community. Today, our total assets stand at an impressive $57.2 billion, reflecting our commitment to responsible growth and stability. As we've expanded our offerings ranging from personal banking services like checking and savings accounts to auto loans and mortgages we've also focused on enhancing accessibility. With features like online banking and mobile payments, we ensure that managing finances is both convenient and user-friendly.

Our Mission

At the core of State Employees' mission is a dedication to empowering our members financially while making a positive impact in the community. We strive to provide not just comprehensive financial solutions but also support initiatives that uplift local organizations and causes. Our vision is clear: we want every member to feel valued and supported on their financial journey. While members can visit us at 2235 Asheville Hwy for in-person assistance during our lobby hours from 8:30 AM to 5:30 PM Monday through Friday, official correspondence should be sent to our mailing address at 2235 ASHEVILLE HWY, BREVARD, NC 28712 if it differs from your visit.

Branch Location & Accessibility

Easy Access and Convenient Features

At our Brevard branch, accessibility is a priority. We have ample parking available, ensuring that you can easily find a spot. For those with mobility challenges, our facility is ADA compliant with ramps and other features to assist you. Plus, if you're on the go, our drive-thru service allows you to complete simple transactions without leaving your vehicle.

Operating Hours That Fit Your Schedule

We understand that life can be busy! That's why we're here for you Monday through Friday from 8:30 AM to 5:30 PM. Our team is dedicated to providing friendly service during these hours so you can get the help you need when it's convenient for you.

Services Tailored for You

At State Employees', we offer a range of banking services designed to meet your needs. From personal checking and savings accounts to auto loans, mortgage options, and credit cards with rewards, we're here to support your financial journey. Need cash? No problem! We have an ATM available on-site for quick withdrawals and balance checks. While members can visit us at 2235 Asheville Hwy for all their banking needs, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to call us at 828-884-2338. Come visit us today and discover how State Employees' can make your banking experience smooth and enjoyable!

Member Eligibility

Becoming a member of State Employees' feels like joining a close-knit community where your financial well-being is the priority. If you're looking to take advantage of personalized services and competitive rates, you'll be happy to know that membership is open to anyone who lives, works, worships, or attends school in the area. This means that whether you're a local resident or part of the workforce here, you can easily become part of our family. Plus, we offer a range of benefits designed to help you achieve your financial goals, from low-interest loans to high-yield savings accounts. To get started on your membership journey at State Employees', simply visit us at our welcoming location at 2235 Asheville Hwy Brevard Nc 28712 or give us a call at (828) 884-2338. For more detailed information about eligibility requirements, check out our resource page at http://www.ncsecu.org/join#eligibility. Opening an account is straightforward too; you can find all the necessary details for that process right here: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. We can't wait to welcome you!

Business Banking & Commercial Services

Practical Merchant Services

In addition to our loan offerings, we provide essential merchant services that simplify transactions for your business. Imagine processing payments effortlessly while providing your customers with a smooth checkout experience. Our solutions are practical, allowing you to focus on what you do best running your business. Visit us at 2235 Asheville Hwy Brevard Nc 28712 or call us at (828) 884-2338 to learn how we can help you achieve your business goals!

Supporting Your Growth

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. Whether you're looking to expand your operations or invest in new equipment, our competitive loan options are designed to fit your unique needs.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners in Brevard, we also offer comprehensive business banking solutions. From merchant services that make transactions easier for your customers to business loans that can help fuel growth, we're committed to helping your business thrive.

Convenient In-Branch Services

If you prefer face-to-face interactions, our branch offers basic drive-thru banking for deposits, withdrawals, and simple transactions. Our team at the branch is ready to assist you with any inquiries you may have about our services. We invite you to visit us at 2235 Asheville Hwy Brevard Nc 28712, located right here in Brevard, NC. Feel free to call us at (828) 884-2338 if you have any questions about how we can help you achieve your financial goals. At State Employees', we are more than just a credit union; we are a community partner committed to making banking easy and accessible for all. Explore all that we have to offer by visiting us today!

Credit Card Rewards

Looking for a credit card that gives back? Our credit cards with rewards can make everyday purchases more rewarding! Whether you want to earn points for travel or cash back on groceries, we have options that cater to various lifestyles.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options. You can manage your accounts anytime, anywhere whether you're checking balances or transferring funds. Plus, with ATM access available for quick cash withdrawals and balance checks, banking has never been easier.

Personal Banking Solutions

When it comes to managing your money, having the right tools is essential. That's why we offer personal banking services like checking and savings accounts designed to help you save for the future while keeping your funds easily accessible. If you're thinking about purchasing a new car or refinancing your vehicle, our auto loans and vehicle financing options are competitive and straightforward. For those larger investments, such as buying a home, our mortgage loans and refinancing services provide flexible solutions that can fit your budget. We also understand that sometimes life throws unexpected expenses your way, which is where our personal loans and debt consolidation services can help you regain control.

Digital & Online Banking

At State Employees', we understand that managing your finances should be as convenient and secure as possible. That's why we offer a suite of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, our online platform provides easy access to your accounts anytime, anywhere. You can explore our full range of online banking features by visiting https://www.ncsecu.org/. With 24/7 online banking services, you can check your balances, transfer funds, and pay bills with just a few clicks. Need to sign a document? Our electronic signature authorization makes it simple and secure to handle paperwork without the hassle of printing or mailing. One of the standout features is our e-statements availability. Instead of waiting for paper statements in the mail, you can view your account statements digitally keeping everything organized and accessible. Plus, if you're someone who enjoys using mobile payments, you'll be pleased to know that this feature is also available at State Employees'. It allows you to make quick transactions directly from your smartphone. For those who prefer managing their accounts through an app, our mobile application is user-friendly and fully equipped with all the tools you need for real-time account management. From checking balances to making deposits, it's all right at your fingertips. Although person-to-person transfers aren't available yet, we're constantly looking for ways to enhance our services. If you have questions or need assistance, our team is just a phone call away at (828) 884-2338. In summary, digital and online banking at State Employees' is all about giving you control over your finances while keeping security in mind. We invite you to take advantage of these modern conveniences that make banking easier than ever!

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 you want to feel confident in your financial institution, and we are proud to share how our strong financial position supports that trust. 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. 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. We have extended support with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, ensuring our lending capacity meets your needs across various sectors. Our operational efficiency is reflected in our $0, which enables 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. The strength of our institution is further highlighted by our net shares (funds available for lending and investments) of $574,556,810. Additionally, the number of Total Share Accounts at 5,850,875 shows 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 2235 Asheville Hwy Brevard Nc 28712 or call (828) 884-2338 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

Additional Options

For those who need access to additional funding for personal projects or larger purchases, our total credit lines stand at an impressive $18,909,000,000. This gives our members the flexibility they need without the stress of high-interest rates. If you're considering refinancing any of your current loans or looking into eligibility options for any of our products, don't hesitate to reach out! Our dedicated team at State Employees' is ready to assist you with personalized solutions designed just for you. Feel free to contact us at (828) 884-2338 or visit us at 2235 Asheville Hwy Brevard NC 28712 for more information on how we can support your financial journey. Remember that all performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 $2,955,872,351 in used vehicle loans and $1,138,258,230 in new vehicle loans, helping our members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we've got you covered.

Credit Card Loans

Managing your finances effectively is crucial. That's why we also offer flexible terms on unsecured credit card loans. With a total of $1,177,171,541 in unsecured credit card loans issued, you can enjoy peace of mind knowing that funds are available for unexpected expenses or planned purchases.

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. If you're considering purchasing a home or refinancing an existing mortgage, our team is here to guide you through every step of the process.

Loan Aggregator

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