State Employees' Credit Union Chapel Hill NC: Affordable Vehicle Loans & Top Personal Banking

Introduction

Welcome to State Employees', your trusted financial partner located at 110 S Elliott Rd, Chapel Hill, NC 27514. Since our establishment in 1937, we have proudly served our community with dedication and care, ensuring that our nearly 2.85 million members receive exceptional service tailored to their unique financial needs. Our commitment to providing personal banking solutions has helped us grow our total assets to an impressive $57,229,286,839, making us a reliable choice for your banking needs. At State Employees', we believe in the power of community and strive to make a positive impact through our diverse offerings. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we have something for everyone. With total deposits reaching $7,866,265,767 and a strong net worth of $5,446,832,560, we are well-equipped to support you on your financial journey. Under the leadership of our dedicated CEO, Leigh Brady, and Board President Mona Moon, our team of over 8,258 employees is here to assist you every step of the way. We take pride in fostering long-lasting relationships with our members by offering personalized services and innovative solutions. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to 110 S ELLIOTT RD, CHAPEL HILL, NC 27514 if different from our physical location. If you have any questions or would like more information about how we can assist you today, don't hesitate to call us at 919-962-1111. Join us as we continue to build a stronger community together! Visit our website at www.ncsecu.org or come by today to discover how we can help you achieve your financial goals.

Branch History & Mission

At State Employees', we are proud of our rich legacy that began in 1937, right here in Chapel Hill, NC. Since our opening at 110 S Elliott Rd, we've dedicated ourselves to serving our members and the community with integrity and compassion. Over the years, we have grown significantly, now boasting a membership of over 2.8 million individuals and total assets exceeding $57 billion. This growth is a testament to the trust our members place in us and our commitment to providing exceptional financial services. Our mission is simple yet profound: to serve our members and improve their financial well-being while actively supporting the communities where they live and work. We offer a range of services, including personal banking, auto loans, mortgage financing, credit cards with rewards, and business banking solutions. Our goal is to empower our members with the tools they need to achieve their financial dreams. As we look back on our journey, we celebrate key milestones that have shaped who we are today. From humble beginnings, we've embraced technology and innovation, ensuring that our services remain accessible and user-friendly. We offer online banking options, mobile payments, and ATM access to meet the evolving needs of our members. Our drive-thru service allows for quick transactions while maintaining personal interactions. While you can visit us at 110 S Elliott Rd, official correspondence should be sent to 110 S ELLIOTT RD, CHAPEL HILL, NC 27514 if different from your visit. Our branch operates Monday through Friday from 8:30 AM to 5:30 PM, making it convenient for you to drop by when you need us. At State Employees', we pride ourselves on not just being a financial institution but also a vital part of the Chapel Hill community. We actively engage in partnerships and outreach programs aimed at enhancing local well-being. Our commitment goes beyond transactions; we strive to make a meaningful difference in the lives of those we serve. If you're looking for a credit union that values community support as much as financial success, we invite you to join us at State Employees'. Experience firsthand how we're more than just a bank we're your partner in building a brighter financial future. For more information or to become a member today, give us a call at 919-962-1111 or visit us online at ncsecu.org. Join us on this journey toward empowerment and growth!

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch is ADA compliant, with ramps and facilities designed for everyone's comfort. Plus, parking is readily available, ensuring that your visit is hassle-free.

Nearby Landmarks

Nestled in a vibrant area of Chapel Hill, our branch is just a stone's throw away from popular spots like the University of North Carolina and local parks. This prime location not only makes us easily accessible but also puts you close to all the community's offerings.

Operating Hours & Services

We're open Monday through Friday from 8:30 AM to 5:30 PM, allowing you plenty of time to stop by after work or during your lunch break. In addition to our welcoming lobby, we offer drive-thru banking for quick transactions and an ATM on-site for your convenience. Whether it's deposits or cash withdrawals, we've got you covered! While members can visit us at 110 S Elliott Rd, official correspondence should be sent to the same address. Feel free to reach out at 919-962-1111 if you have any questions or need assistance before visiting. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of State Employees' is like joining a family that truly cares about your financial well-being. If you live or work in North Carolina, you're already on the right path! To learn more about who can join and what it takes, visit our detailed eligibility page at http://www.ncsecu.org/join#eligibility. You'll find that our membership is open to a wide range of individuals, making it easy for many to take advantage of the fantastic services we offer. Opening an account with us is simple and welcoming. Just head over to our account opening page at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, and you'll find everything you need to get started. Our team is always here to help, so if you have any questions, feel free to give us a call at (919) 962-1111. We can't wait to welcome you to our community at 110 S Elliott Rd Chapel Hill Nc 27514!

Business Banking & Commercial Services

Business Loans

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

Alongside our loan offerings, we provide merchant services that make everyday transactions easier for you. Imagine being able to accept payments quickly and securely, whether you're at the store or on the go. Our solutions help streamline your operations, allowing you to focus on what truly matters growing your business. Visit us at 110 S Elliott Rd Chapel Hill Nc 27514, Chapel Hill, NC, or call us at (919) 962-1111 to learn more about how we can partner with you on your business journey. Let's build success together!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer specialized solutions such as merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is ready to assist you every step of the way.

Credit Options

Our personal loans and debt consolidation services are perfect for those looking to simplify their finances. With flexible terms and reasonable interest rates, we aim to ease your financial burden. Additionally, consider our credit cards with rewards that allow you to earn points on everyday purchases. This means that not only are you spending wisely, but you're also getting rewarded for it!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. With these features, managing your accounts has never been easier. You can check balances, transfer funds, and pay bills right from your smartphone or computer anytime, anywhere. Our ATM and cash withdrawal services ensure that you have access to cash when you need it most. Plus, with basic drive-thru banking available for deposits and simple transactions, we're committed to making banking easy and accessible.

Personal Banking Solutions

We offer a variety of personal banking options tailored to meet your needs. Start with our checking and savings accounts that provide easy access to your funds while helping you save for your goals. Imagine having a safe place for your money where it can grow over time! When it comes to purchasing a vehicle, our auto loans and vehicle financing can make the process smooth and straightforward. We provide competitive rates that can fit any budget, making it easier for you to drive away in the car of your dreams. If homeownership is on your mind, explore our mortgage loans and refinancing options. Our friendly staff will guide you through the process, ensuring you find the best solution that suits your lifestyle.

Reach Out Today!

At State Employees', we're more than just a credit union; we're a community partner dedicated to helping you achieve financial wellness. If you have questions about any of our services or want assistance with account setup, don't hesitate to give us a call at 919-962-1111. Visit us today at our Chapel Hill branch or check out our website at ncsecu.org for more information. Your financial journey starts here!

Digital & Online Banking

Accessibility and Ease of Use

We've made it easy for everyone to access their accounts and perform banking tasks effortlessly. Whether you're checking balances or making payments, our online banking services empower you to take control of your finances in real-time. Join us at State Employees' and explore the benefits of digital banking today!

Key Features

Our online platform allows you to check your account balances, transfer funds, and pay bills anytime, anywhere. Plus, with e-statements available, you can stay organized without the clutter of paper statements. We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and hassle-free. If you're always on the go, our mobile application offers a user-friendly experience right at your fingertips. You can make mobile payments quickly and easily, giving you more freedom in how you manage your finances. While person-to-person transfers aren't currently offered, you can still enjoy seamless transactions within our secure environment.

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 committed to providing a strong foundation for your financial journey, ensuring you can trust us with your savings and loans. 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. Our dedication to growth is reflected in our $133,577,509 in undivided earnings, which allows us to 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 members' financial goals across various sectors. While our current net income is $2,145,244, this reflects our operational efficiency and commitment to serving you effectively. 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. 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 110 S Elliott Rd Chapel Hill Nc 27514 or call (919) 962-1111 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 flexible terms and competitive rates that make it easier than ever to drive home your dream car.

Credit Lines and Unsecured Loans

For those who prefer flexibility in their finances, we also offer credit lines with a total amount of $18,909,000,000 available. Additionally, our unsecured credit card loans total $1,177,171,541, providing members with the ability to manage their expenses without the need for collateral. This means you can access funds when you need them most without added stress.

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 offer various mortgage solutions tailored to fit your budget and lifestyle, ensuring you can find the right path to owning your own home.

Refinancing Options

If you're considering refinancing any existing loans, State Employees' is here to help. We provide options that could lower your monthly payments or help you pay off your loan faster. Our team can guide you through the process and help determine your eligibility for refinancing. We pride ourselves on providing transparent and accessible loan offerings. To learn more about our services or if you have questions regarding eligibility requirements, please visit us at our location at 110 S Elliott Rd Chapel Hill Nc 27514, Chapel Hill, NC, or give us a call at (919) 962-1111. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial journey with confidence!

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STATE EMPLOYEES' CREDIT UNION - Chapel Hill, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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