Nc State Employee Credit Union

Nestled in the thriving community of Cary, the State Employees' Credit Union branch at 2700 Macedonia Rd is your trusted partner for comprehensive financial solutions. Whether you’re exploring some of the best auto loans with flexible vehicle financing or managing your personal banking through convenient checking and savings accounts, this branch delivers friendly, knowledgeable service tailored to your unique needs. Open Monday through Friday from 8:30 AM to 5:30 PM, it’s easy to stop by and get personalized guidance that fits your schedule.
Serving nearly 2.85 million members statewide with assets topping $57 billion, this Cary location also excels in competitive mortgage loans and refinancing options designed to make homeownership more accessible. Business owners can benefit from merchant services and business loans crafted to fuel growth. With drive-thru banking and ATM access for quick deposits, withdrawals, and balance checks—plus secure online and mobile banking platforms—you have multiple convenient ways to manage your finances anytime.
Visit the State Employees' Credit Union branch in Cary or call 919-325-1257 today to experience welcoming local service. Discover how our signature auto loans and mortgage programs can help you confidently accelerate 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 Cary, NC. Since our establishment in 1937, we've been dedicated to serving our community with a personal touch and a strong commitment to member satisfaction. Located at 2700 Macedonia Rd, we pride ourselves on being more than just a financial institution; we are a part of your journey towards financial success. At State Employees', we understand that every member's needs are unique. With over 2,847,943 members benefiting from our services, we have built a robust foundation of trust and reliability. Our total assets stand impressively at $57,229,286,839, allowing us to offer competitive rates on loans and deposits while ensuring the safety of your funds. Our team is led by CEO Leigh Brady and Board President Mona Moon, who are both passionate about fostering a supportive environment for all members. Together, they guide our dedicated staff of 8,258 employees who are always ready to assist you with personal banking needs whether it's opening a checking account or applying for an auto loan. While members can visit us at 2700 Macedonia Rd, Cary, NC 27518, official correspondence should be sent to the same address. We also invite you to explore our services online at ncsecu.org for easy access to mobile banking, loan applications, and more. With total deposits of $7,866,265,767 and total loans exceeding 1,194,630, our strong financial standing reflects our commitment to support your aspirations. Whether you're looking for a new vehicle or planning for your future through savings and investments, we're here to help you every step of the way. Join us today and experience the benefits of membership with State Employees'. Feel free to call us at 919-325-1257 or visit us during our lobby hours from Monday to Friday between 8:30 AM and 5:30 PM. Let's build a brighter financial future together!

Branch History & Mission

Join Us Today

As we look towards the future, we invite you to be part of our story. Whether you are seeking financial advice or looking for reliable banking options, State Employees' Credit Union is here for you. Visit us at 2700 Macedonia Rd or reach out by phone at 919-325-1257. If you wish to send official correspondence, please use our mailing address: 2700 MACEDONIA RD, CARY, NC 27518. Join us today and discover how State Employees' can help you achieve your financial goals while being part of a community-focused organization!

Our Evolution

Since opening our doors, State Employees' has evolved significantly. Initially focused on serving state employees, we have expanded our membership to include a wide range of individuals and families throughout North Carolina. Each milestone in our history reflects our dedication to adapting and growing alongside our members' needs. We take pride in being a trusted financial partner, offering essential services such as checking accounts, auto loans, mortgages, and more. Our branch is conveniently located near key landmarks in Cary, making it easy for you to visit us during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM. For those on the go, we also offer ATM access and drive-thru banking services for quick transactions.

Our Mission

At the core of State Employees' Credit Union's mission is a commitment to improve the financial well-being of our members while actively supporting the local community. We believe that everyone deserves access to affordable financial services and guidance. That's why we strive to create products that meet your needs without breaking your budget. Our mission goes beyond just banking; it includes giving back to the community through outreach programs and partnerships that uplift those around us. By fostering relationships within Cary and its surroundings, we aim to make a positive impact on lives every day.

Branch Location & Accessibility

Call to Action

We invite you to stop by and experience how we can help you achieve your financial goals. Have questions? Feel free to give us a call at 919-325-1257. Your journey toward better banking starts here!

Nearby Landmarks and Accessibility

Nestled near popular spots like the beautiful MacDonald Woods Park, our location is not just about banking; it's about being part of a community. Parking is ample and free, ensuring you can visit us without any hassle. We pride ourselves on accessibility as well our facility meets ADA compliance standards with ramps and easy access points for everyone.

Operating Hours and Services

We're here to serve you Monday through Friday from 8:30 AM to 5:30 PM. During these hours, you can take advantage of a variety of services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, our knowledgeable staff is ready to assist you with all your banking questions. If you're looking for quick transactions, enjoy the convenience of our drive-thru banking service or use our ATM for cash withdrawals and balance checks. While members can visit us at 2700 Macedonia Rd, please note that official correspondence should be sent to the same address if you require mailing services.

Member Eligibility

At State Employees', we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and inclusive! If you're a state employee, a family member of an existing member, or someone who lives or works in the local area, you're likely eligible to join us. This means you can enjoy all the benefits that come with membership, like lower loan rates and personalized service. To find out more about the specific eligibility criteria, feel free to visit our website at http://www.ncsecu.org/join#eligibility. When you're ready to open your account, the process is straightforward. You can get started online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or simply give us a call at (919) 325-1257 for any questions or assistance. We're here to help you every step of the way as you join our supportive family at State Employees', located at 2700 Macedonia Rd Cary Nc 27518.

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

Imagine being able to accept payments seamlessly while managing your cash flow efficiently. Our merchant services are designed to help you do just that. From credit card processing to mobile payments, we provide tools that make transactions easy and secure. This allows you to focus on what matters most growing your business. Visit us at 2700 Macedonia Rd Cary Nc 27518 in Cary, NC or call us at (919) 325-1257 to learn how we can assist you in achieving your business goals!

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans designed to support your growth. From everyday transactions to financing your next big project, we're here to ensure that your business has the financial backing it needs.

Convenient Access

We know that convenience matters. That's why we offer easy ATM access for cash withdrawals and balance checks. If you prefer face-to-face interactions for simple transactions like deposits or withdrawals, our drive-thru service is ready to assist during lobby hours from 8:30 AM to 5:30 PM on weekdays. In today's fast-paced world, digital banking is essential. Our online and mobile banking platforms allow you to manage your finances anytime, anywhere. With features like electronic signatures and e-statements, handling your banking has never been easier or more efficient.

Get Started Today!

At State Employees', we are committed to serving our members with the best possible financial solutions tailored just for them. If you're ready to take control of your finances or explore what we have to offer further, please don't hesitate to reach out at (919) 325-1257 or visit us at Cary - Macedonia Road. We can't wait to welcome you into our community!

Personal Banking

Our personal banking services include checking and savings accounts designed to meet your everyday needs. Imagine easily managing your money with features like online banking and mobile app access, allowing you to check balances, make transfers, and pay bills right from your smartphone. When life calls for larger purchases, our auto loans and vehicle financing options can help get you behind the wheel of a new car without breaking the bank. For those planning to buy a home or refinance an existing mortgage, our mortgage loans come with competitive rates and flexible terms. We also offer personal loans and debt consolidation options to assist you in managing expenses more effectively. Plus, our credit cards with rewards give you the chance to earn while you spend.

Digital & Online Banking

E-Statements and Mobile Applications

Say goodbye to paper clutter with our e-statements availability! Enjoy the benefits of going green while having easy access to your statements whenever you need them. Our mobile application makes banking even more accessible, allowing you to deposit checks, transfer funds, and manage your accounts right from your phone.

Online Banking Services

You can access your accounts anytime, anywhere through our 24/7 online banking service. Simply visit https://www.ncsecu.org/ to get started. Whether you're checking your balance or paying bills, everything is just a few clicks away. Plus, our electronic signature authorization feature allows you to handle important documents quickly and securely without the need for printing or mailing.

Person-to-Person Transfers

While we currently don't offer person-to-person transfers, our other features ensure that sending money remains simple and secure. From bill payments to fund transfers, managing your finances has never felt this straightforward. With these tools at your fingertips, you can take control of your financial life in real-time. Experience the ease of banking digitally with us at State Employees'!

Secure Transactions

Safety is a top priority at State Employees'. Our digital banking services are equipped with advanced security features to protect your information. You can also enjoy mobile payments for quick and easy transactions at stores no need for cash or cards!

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 our strong financial position, which reflects our commitment to providing you with reliable services and support. 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. Our financial strength is also showcased by $133,577,509 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you 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. Although our net income stands at $0, reflecting a period of operational efficiency, it positions us well to continue offering competitive loan rates and solid financial products tailored for you. We take pride in having 7,729 full-time employees and 529 part-time employees dedicated to serving you with a knowledgeable team ready to assist with your needs. Net Shares (Funds available for lending and investments): $574,556,810. This signifies our ability to support your aspirations effectively. The number of Total Share Accounts stands at 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 2700 Macedonia Rd Cary Nc 27518 or call (919) 325-1257 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 provide financing options for both new and used vehicles, allowing you to drive away with confidence.

Business Solutions

For business owners, our outstanding commercial loans provide the capital needed to grow and expand. Although we currently do not have outstanding commercial loans available, our commitment remains strong in providing resources for small businesses when they are offered.

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 work closely with our members to understand their unique needs and guide them through the process smoothly.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, refinancing options are available across many of our loan products. This can help ease financial burdens and give you more control over your finances. Our dedicated team at State Employees', located at 2700 Macedonia Rd Cary Nc 27518 in Cary, NC, is ready to assist you with any questions regarding eligibility or the application process. Don't hesitate to reach out at (919) 325-1257 during our operating hours from Monday to Friday, 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. Explore how we can support your journey towards financial wellness today!

Unsecured 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. These cards provide an excellent way to handle unexpected expenses while enjoying rewards and benefits tailored just for you.

Loan Aggregator

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