State Employees' Credit Union Carrboro NC: Low Mortgage Rates & Business Loans

Introduction

Welcome to State Employees' Credit Union, your trusted partner in financial well-being since 1937. Located at 100 NC 54, Carrboro, NC 27510, we pride ourselves on being more than just a credit union; we are a vital part of the Carrboro community, dedicated to serving our members with integrity and care. At State Employees', our membership has grown to an impressive 2,847,943 members, all benefiting from our robust financial offerings. With total assets exceeding $57 billion, we are committed to providing competitive rates and personalized service that meet your unique needs. Whether you are looking for checking accounts, auto loans, or mortgage solutions, we have the resources to help you thrive financially. Our leadership team is at the heart of our commitment to you. Under the guidance of CEO Leigh Brady and Board President Mona Moon, we work diligently to ensure that every member feels valued and supported. Our team of over 8,258 employees is ready to assist you with any inquiries or services you may need. While members can visit us at our branch location, official correspondence should be sent to the same address: 100 NC 54, Carrboro, NC 27510. We encourage you to reach out via phone at 919-967-0833 for any questions or assistance. Join us today and discover how State Employees' Credit Union can help you achieve your financial goals! Visit our website at ncsecu.org for more information about our services and how to become a member. Your journey toward better financial health begins here!

Branch History & Mission

Commitment to Community

At State Employees', we are more than just a financial institution; we're a part of your community. We actively engage in outreach programs and partnerships that benefit local organizations and initiatives. Whether through educational workshops or sponsorships for local events, we strive to make a positive impact in Carrboro and surrounding areas. While you can visit us at our physical location, please note that any official correspondence should be sent to 100 NC 54, CARRBORO, NC 27510 if it differs from our branch address.

Join Us

As we continue this journey together with our valued members, we invite you to join us at State Employees' Credit Union. Experience firsthand how we prioritize your financial well-being while supporting the community around us. For any questions or assistance, don't hesitate to reach out at 919-967-0833. Together, let's build a brighter financial future!

Member-Centric Services

To ensure convenience for our members, we offer various services such as personal banking accounts, auto loans, mortgage options, and credit cards with rewards. Our digital advancements include online banking and mobile payment options, making it easier than ever for you to manage your finances on the go. We also provide ATM access and drive-thru banking for quick transactions without leaving your vehicle. Our commitment to accessibility means that everyone can take advantage of the services we provide.

Our Journey

Since opening our doors, we have experienced remarkable growth. With total assets now exceeding $57 billion, we have consistently provided financial stability and support to our members. From humble beginnings, we have grown into a vital part of the Carrboro community and beyond, always prioritizing the needs of those we serve. Our mission is clear: we aim to offer quality financial services while fostering a strong sense of community. We believe that everyone deserves access to affordable banking solutions and resources that empower them financially. This philosophy drives us every day as we work hard to meet the diverse needs of our members.

Branch Location & Accessibility

Come Visit Us!

If you're looking for a friendly banking experience with personalized service, look no further than State Employees'! Give us a call at (919) 967-0833 or drop by during our business hours. We can't wait to serve you!

Convenient Access and Amenities

Whether you're driving through or stopping by on foot, you'll find ample parking available, ensuring a hassle-free experience. For those who require special accommodations, we are proud to be fully ADA compliant, featuring ramps and accessible entrances. Our operating hours are designed with your busy schedule in mind. We're open Monday through Friday from 8:30 AM to 5:30 PM, giving you plenty of time to drop by after work or during your lunch break. If you prefer banking on the go, we also have an ATM available for quick cash withdrawals and balance checks.

Services Tailored for You

At State Employees', we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our drive-thru service allows you to complete simple transactions without leaving your car ideal for those on the move. While members can visit us at 100 Nc 54 Carrboro Nc 27510, official correspondence should be sent to 100 NC 54, CARRBORO, NC 27510 if it differs from our branch location.

Member Eligibility

Becoming a member of State Employees' is like joining a family that truly cares about your financial well-being. Located at 100 Nc 54 Carrboro Nc 27510, we welcome anyone who meets our friendly eligibility criteria. Generally, those who work for or are retired from the state of North Carolina, their family members, and even certain organizations can join us. We believe in inclusivity, so if you're unsure about your eligibility, feel free to check out the detailed information on our website at http://www.ncsecu.org/join#eligibility . Opening an account with us is straightforward and hassle-free. You can start your journey by visiting our account opening page at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu . If you have any questions or need assistance, don't hesitate to reach out to us at (919) 967-0833. Here at State Employees', we pride ourselves on providing a supportive community where your financial goals can thrive!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer robust merchant services tailored for businesses of all sizes. Whether you're a local shop or a growing enterprise, our services make transactions easier and more efficient. Accepting payments is simple, allowing you to focus on what matters most your customers. Located at 100 Nc 54 Carrboro Nc 27510, Carrboro, NC, we're here to partner with you every step of the way. Contact us at (919) 967-0833 or visit our website for more information on how we can assist your business today!

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. - 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

ATM & Cash Withdrawal Services

Need cash on the go? Our branch offers ATM & Cash Withdrawal Services, making it easy for you to access your funds without hassle. With ATMs available nearby, getting cash is quick and convenient.

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our Auto Loans & Vehicle Financing options provide competitive rates that make it easier for you to drive away in the vehicle of your dreams. Whether you're buying new or used, we work with you to find the best loan terms that fit your budget.

Business Banking

For our business members, we offer tailored Business Banking solutions, including merchant services and business loans. We know how important it is for small businesses to thrive, so we're committed to providing the resources needed to succeed.

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards program! These cards not only provide purchasing power but also offer rewards on everyday spending. Imagine earning points on groceries or gas that can be redeemed for travel or cashback!

Drive-Thru Services

If you're short on time but need to handle basic transactions like deposits or withdrawals, our Drive-Thru Services are perfect for you! Experience fast service without leaving your car. At State Employees', we pride ourselves on being more than just a credit union; we're part of the community in Carrboro, NC. With our friendly staff ready to assist you at every turn and numerous digital banking options available at your fingertips, managing your finances has never been easier. Ready to take the next step? Call us today at 919-967-0833 or visit us online at www.ncsecu.org for more information on how we can help you achieve your financial dreams!

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and at State Employees', we offer comprehensive Mortgage Loans & Refinancing solutions. Our knowledgeable staff will guide you through the process, ensuring you understand every step from application to closing. If you're looking to refinance an existing mortgage, we can help lower your monthly payments or access cash for renovations.

Online & Mobile Banking

In today's fast-paced world, convenience matters. Our Online & Mobile Banking features allow you to access your accounts anytime and anywhere. Whether you want to check balances, pay bills, or transfer funds, everything is just a tap away on your smartphone or computer.

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services that include checking and savings accounts tailored to help you manage your money effectively. You can easily set up direct deposits for your paycheck or automate your savings with just a few clicks through our online and mobile banking platforms.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation services are here for you. We can help simplify your financial situation by combining multiple payments into one manageable loan with a lower interest rate.

Digital & Online Banking

Key Services

With our online banking platform, available at https://www.ncsecu.org/ , you can check balances, transfer funds, and pay bills with just a few clicks. Plus, if you're looking for a paperless option, we offer e-statements that keep your financial information organized and accessible while helping the environment. Security is a top priority at State Employees'. We utilize electronic signature authorization to ensure that your transactions are safe and authorized. This feature gives you peace of mind knowing that your personal information is protected while you manage your accounts online.

Mobile Banking Convenience

For those who prefer banking on their smartphones, our mobile application makes it even easier to stay connected to your finances. With features like mobile payments, you can make purchases directly from your phone without needing cash or cards. And if you've ever needed to send money quickly to a friend or family member, our person-to-person transfer feature simplifies that process though it's worth noting that currently, this feature isn't available. Our 24/7 online banking services mean you're not limited by business hours. You have complete control over your finances whenever it suits you. Whether it's early morning or late at night, accessing your account has never been easier. In summary, State Employees' offers a suite of digital banking tools that empower you to manage your money efficiently and securely. Embrace the ease of banking from anywhere with us today!

Financial Strength

Growing Together

With net shares available for lending and investments totaling $574,556,810, along with a robust membership base of 5,850,875 accounts, it's clear that more members are choosing State Employees' as their trusted financial partner. 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 100 Nc 54 Carrboro Nc 27510 or call (919) 967-0833 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.*

Member-Centric Savings

Your savings are our priority. 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 performance is also reflected in our operational efficiency, as shown by our $0. This enables 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 who are dedicated to serving you with expertise and care.

Reinvesting for Growth

Our commitment to you goes beyond mere numbers. 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. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Strong 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 $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

In addition to these popular loan types, we also provide credit lines totaling $18,909,000,000, offering additional flexibility for those unexpected expenses. If you're considering refinancing or are unsure about eligibility, our friendly staff is here to guide you through the process and find the best solution for your situation. For any inquiries about our loan offerings or if you'd like to discuss your options further, don't hesitate to reach out! You can contact us at (919) 967-0833 during our operating hours from 8:30 AM to 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. At State Employees', we're committed to supporting our members with transparent and accessible financial services tailored just for you.

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. Whether you're looking for a reliable used car or a brand-new model, we have financing options that fit your budget and lifestyle.

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 provide competitive rates and terms that can help you secure your dream home without breaking the bank.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why 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. This option provides you with the purchasing power you need while allowing for responsible spending.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions about their borrowing options. 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!" This testimonial reflects the genuine value that LendMesh brings to its users. 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.*

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 accuracy ensures that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh can provide reliable information without the noise of misleading claims.

STATE EMPLOYEES' CREDIT UNION - Carrboro, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans