State Employees' Credit Union Cary NC: Best Auto Loans & Personal Banking

Introduction

Welcome to State Employees', your trusted financial partner located at 9101 Chapel Hill Rd, Cary, NC 27513. Established in 1937, we have proudly served our community for over 85 years. With a robust membership of 2,847,943 and total assets reaching an impressive $57,229,286,839, we are dedicated to providing exceptional financial services tailored to meet your needs. At State Employees', we understand that every member's journey is unique. Whether you are looking for personal banking solutions such as checking and savings accounts or seeking auto loans and mortgages, we have the tools to help you succeed. Our commitment is reflected in our total deposits of $7,866,265,767 and our net worth of $5,446,832,560, ensuring that your funds are secure and well-managed. Our leadership team, guided by CEO Leigh Brady and Board President Mona Moon, is deeply invested in the welfare of our members. With a dedicated staff of 8,258 employees, we strive to deliver personalized service with a friendly touch. We invite you to visit us during our lobby hours from 8:30 AM to 5:30 PM on weekdays or reach out at 919-465-4616 for any inquiries. While members can visit us at our branch address, official correspondence should be sent to the same address: 9101 CHAPEL HILL RD, CARY, NC 27513. Explore our website at ncsecu.org for more information about our services and how we can assist you on your financial journey. Join us today at State Employees' where your financial well-being is our priority!

Branch History & Mission

Community Engagement

As part of our commitment to giving back, we actively engage in various outreach efforts within Cary and its surrounding areas. We partner with local organizations to support initiatives that enhance community well-being. From educational programs to financial literacy workshops, we aim to uplift those around us and create a brighter future together. While members can visit us at 9101 Chapel Hill Rd for all their banking needs, official correspondence should be sent to 9101 CHAPEL HILL RD, CARY, NC 27513 if different from the physical address. Our operating hours are convenient for busy schedules: Monday through Friday from 8:30 AM to 5:30 PM. You can reach us at (919) 465-4616 for any inquiries or assistance you may need.

Join Us

We invite you to experience the benefits of being part of State Employees'. Whether you're looking for personal banking solutions or business services like merchant accounts and loans, we're here for you. Become a member today and join a community that values your financial well-being as much as you do! Visit us online at ncsecu.org for more information about membership eligibility and how you can get started on your journey with us.

Our Mission

The heart of our mission is to empower members through a variety of financial services while fostering community support. We believe in providing tools that help individuals manage their finances effectively whether it's through checking and savings accounts, auto loans, mortgages, or credit cards with rewards. Our aim is not just to provide services but to build lasting relationships based on trust and mutual benefit. We strive to make banking easier for everyone by offering modern conveniences such as online and mobile banking, ensuring that you can manage your finances anytime and anywhere. With features like ATM access and drive-thru banking available at our branch, we cater to both traditional preferences and contemporary needs.

Branch Location & Accessibility

Easy Access and Parking

Our branch is designed with accessibility in mind. We offer ample parking spaces right outside, making your visit hassle-free. If you have mobility needs, you'll find ADA-compliant features such as ramps and wide doorways to help you navigate comfortably.

Operating Hours and Services

We're open Monday through Friday from 8:30 AM to 5:30 PM, ready to assist you with all your banking needs. At our branch, you can take advantage of various services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Need to make a quick deposit or withdrawal? Our drive-thru service ensures that you can complete simple transactions without leaving your car. For those on the go, we also provide ATM availability so you can access cash whenever you need it. Whether you're coming in for a chat with our friendly staff or using our self-service options, we aim to make your experience as smooth as possible.

Stay Connected

While members can visit us at 9101 Chapel Hill Rd, official correspondence should be sent to the same address. Have questions or want to learn more? Feel free to give us a call at 919-465-4616. We look forward to welcoming you into our community! So why wait? Stop by today and discover how we can help support your financial journey!

Member Eligibility

At State Employees', we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you're looking to be part of our community, it's easier than you might think! To be eligible for membership, you simply need to be a state employee or a member of their immediate family. This means if you're working for the state or are closely related to someone who is, you can enjoy all the benefits we offer. Not only do we provide competitive rates and personalized service, but being part of State Employees' also gives you access to a range of financial products tailored just for you. Ready to take the next step? Opening an account with us is straightforward and welcoming! You can find more detailed eligibility criteria by visiting http://www.ncsecu.org/join#eligibility. If you're ready to start your journey with State Employees', check out our account opening process at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. Should you have any questions, feel free to reach us at (919) 465-4616. We're excited to welcome you into our community at 9101 Chapel Hill Rd Cary Nc 27513!

Business Banking & Commercial Services

Commercial 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

Beyond loans, our merchant services make it easier for you to manage payments and streamline operations. Whether you're a small retailer or a growing service provider, our solutions help you accept payments effortlessly. Imagine spending less time worrying about transactions and more time focusing on what you love growing your business. Reach out to us at (919) 465-4616 or visit us at 9101 Chapel Hill Rd Cary Nc 27513 in Cary, NC to explore how we can partner together for your success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

For those dreaming of a new car or needing to finance a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. Picture yourself driving off in that new car without the stress of complicated loan processes.

Business Banking

For business owners, we provide tailored solutions such as merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business goals.

Credit Cards with Rewards

Enjoy shopping while earning benefits with our credit cards with rewards! They not only provide convenience but also allow you to earn points on purchases that can be redeemed for exciting rewards.

Digital Banking Features

In today's fast-paced world, convenience is key. With our robust online and mobile banking services, managing your finances has never been easier. You can access your accounts from anywhere using our user-friendly mobile application, make payments, or even withdraw cash at one of our ATMs.

Drive-Thru & ATM Services

Sometimes you just need quick access to your funds. That's why we offer basic drive-thru banking for deposits, withdrawals, and simple transactions along with easy ATM access for balance checks and withdrawals. At State Employees', we take pride in being more than just a credit union; we're a partner in your financial success. If you have questions about any of our services or need assistance getting started, feel free to reach out at 919-465-4616 or visit us online at ncsecu.org. Join us today and discover how we can help you achieve your financial goals!

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing your current mortgage, our mortgage loans can guide you through the process smoothly. We offer personalized advice to help you find the best solution for your situation making homeownership more accessible than ever.

Personal Banking

We understand that managing personal finances is a priority for many. That's why we offer checking and savings accounts that help you easily keep track of your money. Imagine having the convenience of online banking right at your fingertips, allowing you to check balances and make transfers anytime, anywhere.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and that's where our personal loans come into play. Need to consolidate debt? Our team can assist you in finding a strategy that simplifies your payments and reduces interest costs.

Digital & Online Banking

Key Services

Our online banking service is available 24/7, allowing you to check your balances, transfer funds, and pay bills at your convenience. You can also opt for e-statements, which are not only eco-friendly but also make it easier to track your financial history without the clutter of paper statements. Security is a top priority for us. Our electronic signature authorization feature lets you sign documents safely online, streamlining processes while keeping your information secure. Plus, with our mobile application, you can manage your accounts right from your smartphone. This app makes it easy to use mobile payments, so you can pay for purchases quickly and securely.

Real-Time Management

Need to send money to a friend? While we currently don't offer person-to-person transfers, our other services ensure you have everything you need for everyday banking. With real-time account management tools and user-friendly features, you'll always stay on top of your finances without any hassle. Whether you're checking your balance or making a payment on the go, State Employees' ensures that banking fits into your lifestyle easily and securely. Explore all our digital offerings today by visiting https://www.ncsecu.org/ your financial journey starts here!

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 are proud to share that our financial health is strong, built on a foundation of trust and reliability. With a net worth of $5,446,832,560, we maintain robust 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. Our commitment to reinvesting in our community is evident with $133,577,509 in undivided earnings. This allows us to enhance our banking tools, improve lending options, and strengthen security measures for your peace of mind. Additionally, 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. We are also pleased to report a net income of $0, which reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. Our team consists of 7,729 full-time employees and 529 part-time employees who are dedicated to serving you with knowledgeable support. As a testament to our growing member base, we proudly serve 5,850,875 total share accounts, showcasing the trust that our members place in us. 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 9101 Chapel Hill Rd Cary Nc 27513 or call (919) 465-4616 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 have already issued over $2,955,872,351 in used vehicle loans and $1,138,258,230 in new vehicle loans to help our members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used vehicle, we have financing options tailored for you.

Credit Lines and More

For those seeking additional flexibility, our total credit lines reach $18,909,000,000. This allows you to access funds when needed without the hassle of applying for a new loan each time. If you're interested in refinancing any existing loans or exploring eligibility options for our products, please don't hesitate to reach out. Our knowledgeable staff at our Cary branch is ready to assist you every step of the way. For more information or to speak with someone directly about your borrowing options, give us a call at 919-465-4616. You can also visit us at 9101 Chapel Hill Rd Cary NC 27513 or explore our website at ncsecu.org for further details. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you achieve your financial dreams today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, we provide affordable solutions for those looking to invest in real estate. Our team is here to guide you through the process and ensure you find the best mortgage product for your situation.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's 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, our credit cards are designed with your needs in mind.

Loan Aggregator

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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 fair and transparent offers for users. Every loan listing you see on LendMesh comes from legitimate financial institutions that prioritize customer trust.

State Employees

Type of Loan Offerings

Home Equity Loans

Personal Loans