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

Introduction

Welcome to State Employees', your trusted partner in financial well-being! Located at 531 Walnut St, Cary, NC 27511, we have been serving our community since 1937. With a commitment to providing exceptional service and a wide range of financial products, our credit union is proud to support over 2.8 million members with their banking needs. At State Employees', we understand that every member's journey is unique. That's why we offer services tailored to fit your lifestyle, from personal banking solutions like checking and savings accounts to various loan options, including auto loans and mortgages. With total assets of $57,229,286,839 and total deposits reaching $7,866,265,767, you can trust us to manage your finances with care and expertise. Our leadership team led by CEO Leigh Brady and Board President Mona Moon is dedicated to fostering a supportive environment where members can thrive financially. We take pride in our strong net worth of $5,446,832,560 and robust cash reserves of $708,661,969, ensuring that your money is safe and sound with us. While members can visit us at our branch for friendly assistance or utilize our online services for convenience, official correspondence should be sent to the same address: 531 WALNUT ST, CARY, NC 27511. With a team of 8,258 employees, we are here to help you navigate your financial journey effectively. Whether you're looking for business banking solutions or personal loans for debt consolidation, we've got you covered. Feel free to reach out at 919-467-5581 or visit our website at ncsecu.org for more information about how we can assist you today! Join us in making your financial dreams a reality with State Employees' Credit Union!

Branch History & Mission

Community Commitment

Our commitment extends into various outreach efforts where we partner with local organizations to improve lives through education and support. Whether it's sponsoring community events or providing resources for financial literacy programs, we believe in giving back. We invite you to join our ever-growing family at State Employees'. With our dedicated staff available during lobby hours from 8:30 AM to 5:30 PM, we're here to assist you every step of the way. Experience firsthand how being a part of our credit union means more than just banking it's about being part of a community that cares. If you're ready to take the next step towards better financial well-being, reach out today or visit us online at ncsecu.org for more information on how you can become a member!

Our Journey

From our humble beginnings, State Employees' has grown into a trusted financial partner for over 2.8 million members. Throughout the years, we have remained committed to providing accessible financial services that empower individuals and families in our community. Our total assets now stand at an impressive $57.2 billion, reflecting our dedication to responsible stewardship of member resources. As we evolved, we embraced advancements that enhance member experience while ensuring compliance with regulations, including ADA standards. Today, our branch offers a variety of services such as personal banking, auto loans, mortgages, and credit cards, all designed with you in mind. We understand the importance of convenience; that's why we provide access to ATMs and drive-thru banking for quick transactions.

Our Mission

At State Employees', our mission goes beyond just banking; it's about building lasting relationships within the community. We strive to offer high-quality financial products while supporting local initiatives that make Cary a better place to live. Our team is dedicated to listening to your needs and delivering personalized service that helps you achieve your financial goals. While members can visit us at 531 Walnut St, official correspondence should be sent to 531 WALNUT ST, CARY, NC 27511 if different from our branch address.

Branch Location & Accessibility

Welcome to State Employees' at our Cary - Walnut Street location! Nestled conveniently at 531 Walnut St, Cary, NC 27511, our branch is easy to reach and designed with your banking needs in mind. Whether you're a long-time member or looking to join us, we invite you to stop by and see how we can assist you. Our branch is located just a short drive from notable landmarks such as the beautiful Fred G. Bond Metro Park, making it a convenient stop for anyone in the area. We offer ample parking space for your convenience, along with features that ensure accessibility for all members, including ADA-compliant ramps. When visiting us, you'll find friendly faces ready to help during our operating hours from 8:30 AM to 5:30 PM, Monday through Friday. Need to make a quick transaction? Enjoy the ease of our drive-thru service or access our ATM available on-site for quick cash withdrawals and balance checks. While members can visit us at 531 Walnut St, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to call us at 919-467-5581. We pride ourselves on offering a range of personal banking services, including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards all tailored to meet your financial needs. Come by today and experience the welcoming atmosphere at State Employees'. We look forward to serving you!

Member Eligibility

Becoming a member of State Employees' is like joining a caring family that prioritizes your financial well-being. If you live, work, or worship in North Carolina, or if you are a state employee or an immediate family member of someone who is, you're already on the path to enjoying the many benefits we offer. Membership opens doors to personalized banking services, competitive loan rates, and exclusive rewards that make managing your finances easier and more rewarding. To learn more about the specific eligibility criteria, feel free to check out our detailed information at http://www.ncsecu.org/join#eligibility. Getting started with us is simple! You can open an account online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or if you prefer speaking to someone directly, give us a call at (919) 467-5581. Our friendly team is here to assist you every step of the way. Join us at our branch located at 531 Walnut St Cary Nc 27511, and experience what it means to be part of a supportive community dedicated to helping you achieve your financial goals!

Business Banking & Commercial Services

Business Loans That Fuel 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. - 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 for Seamless Transactions

Imagine running a busy café or retail shop. You need a reliable way to process payments quickly and efficiently. Our merchant services offer just that streamlined payment processing that allows you to focus on what you do best: serving your customers. From credit card transactions to online payment solutions, we provide tools that make financial management easier for you. Located at 531 Walnut St Cary Nc 27511 in Cary, NC, we invite you to visit us or call (919) 467-5581 for more information on how our business banking and commercial services can help your venture thrive.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer business banking services including merchant services and business loans. If you're an entrepreneur looking to grow your venture, our team is ready to assist you in finding the right financial solutions tailored for your business's success.

Convenient Access

Accessing your accounts has never been easier! With our ATM services available at multiple locations, you can withdraw cash and check balances without hassle. Plus, our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car. At State Employees', we strive to provide not just services but solutions that fit into your life seamlessly. With digital banking features available through our mobile app and online platform, managing your finances is convenient and efficient. If you have any questions or would like more information about how we can assist you in achieving your financial goals, feel free to give us a call at 919-467-5581. We invite you to visit us at State Employees' today!

Credit Cards with Rewards

Our credit cards come with rewards that can help you earn points on everyday purchases. Whether you're buying groceries or booking travel, these rewards can lead to exciting opportunities down the road.

Loans and Financing

When it comes to financing major purchases, our auto loans and vehicle financing options make it simple. Picture yourself driving away in a new car with an affordable loan tailored just for you. We also provide mortgage loans and refinancing solutions, perfect for those looking to buy their first home or refinance an existing mortgage for better rates. Additionally, our personal loans can help with debt consolidation or unexpected expenses.

Personal Banking Solutions

We offer various personal banking options, including checking and savings accounts designed for your everyday needs. Imagine having an account that not only helps you manage your daily expenses but also encourages you to save for that dream vacation or home renovation. Our accounts come with easy online and mobile banking features, allowing you to check balances, transfer funds, and pay bills from anywhere.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, available at https://www.ncsecu.org/, you can check your account balance, pay bills, and transfer funds whenever it suits you. No more waiting in lines or rushing to the bank before closing time! Our user-friendly platform gives you real-time access to your financial information, ensuring you're always in control.

Mobile Banking at Your Fingertips

With our mobile application Yes, managing your money has never been easier. You can also take advantage of mobile payments Yes, making it simple to pay for goods and services right from your phone. Plus, while we currently don't offer person-to-person transfers No, we are continually looking to enhance our services based on member feedback. In today's fast-paced world, having the ability to manage your accounts on the go is essential. At State Employees', our digital and online banking options are here to make your life easier while keeping your information safe. Join us today and experience the convenience of modern banking!

Secure Transactions

Security is a top priority for us. You can rest easy knowing that our online services include electronic signature authorization Yes for secure document signing. Additionally, we offer e-statements Yes so you can keep track of your finances without worrying about paper clutter.

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 the strength of our credit union directly impacts your financial well-being, which is why we continually strive to maintain robust 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. 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. In addition to safeguarding your savings, we boast $133,577,509 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, our lending capacity supports members' financial goals across various sectors. 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 and committed team. Net Shares (Funds available for lending and investments): $574,556,810. Total Share and Deposit 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 531 Walnut St Cary Nc 27511 or call (919) 467-5581 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 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 considering financing for a brand-new model or a reliable used vehicle, our competitive rates can make it easier for you to drive away in your desired car.

Credit Lines

Our total credit lines reach $18,909,000,000, offering members additional flexibility for various financial needs. This option is ideal for those who want access to funds without needing to reapply each time they need extra cash. We also provide opportunities for refinancing existing loans and exploring eligibility options tailored to your unique situation. If you're interested in how these products can work for you or if you'd like guidance on refinancing current debts to potentially lower your payments or interest rates, don't hesitate to reach out. For more information on our loan offerings or any questions you might have about eligibility requirements or application processes, feel free to contact us at 919-467-5581 or visit us at our branch located at 531 Walnut St Cary Nc 27511. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial success is important to us let's work together to achieve it!

Mortgage Loans

Thinking about homeownership? Our mortgage options simplify the process. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, making buying or refinancing straightforward and accessible. If you're ready to take this significant step towards owning your home, we are here to assist you every step of the way.

Unsecured Credit Cards

Managing everyday expenses can be challenging. We provide flexible terms on unsecured credit card loans with a total amount of $1,177,171,541 helping our members effectively manage their finances. These cards come with no collateral required and can be an excellent tool for building credit while handling day-to-day purchases.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION - Cary, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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