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Mortgage Loans
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Personal Loans
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Introduction
Welcome to State Employees' Credit Union, your trusted partner in financial services since 1937! Located at 310 Pittsboro St, Chapel Hill, NC 27516, we are dedicated to serving our community with a wide range of banking solutions tailored to meet your needs. With over 2.8 million members, we pride ourselves on providing personalized service and fostering strong relationships. As a member-focused institution, our commitment goes beyond just numbers. We currently manage assets totaling $57,229,286,839 and have facilitated more than 1,194,630 loans to help our members achieve their financial goals. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, we have the tools to support you every step of the way. Our leadership team, headed by CEO Leigh Brady and Board President Mona Moon, is deeply invested in the well-being of our members. Together with our 8,258 employees, they work tirelessly to ensure that every member feels valued and supported. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to the same address: 310 PITTSBORO ST, CHAPEL HILL, NC 27516. We invite you to explore what makes State Employees' Credit Union unique. With total deposits amounting to $7,866,265,767, a net worth of $5,446,832,560, and cash reserves of $708,661,969, your funds are safe and sound with us. Ready to take the next step? Visit our website at ncsecu.org or give us a call at 919-962-6551 today! Let's build a brighter financial future together!
Branch History & Mission
A Legacy of Growth
The journey of State Employees' Credit Union is marked by resilience and dedication. Established with the goal of serving state employees, the branch has expanded its offerings over time to include personal banking, auto loans, mortgage options, and credit cards with rewards. Today, it proudly boasts total assets of $57,229,286,839, demonstrating its commitment to financial stability and growth for its members. Located conveniently in Chapel Hill home to the University of North Carolina and vibrant local businesses this branch not only provides essential banking services but also fosters a sense of community. While visiting us at our branch address, you might notice nearby landmarks like the historic Franklin Street and the scenic campus that enrich our town's culture.
Community Commitment
Beyond financial services, we are deeply committed to community outreach. Through various partnerships and initiatives aimed at promoting financial literacy and supporting local charities, we believe in giving back to those who have supported us over the decades. As you explore what State Employees' Credit Union can offer you whether it's personal banking solutions or business financing opportunities we invite you to join our growing family. With dedicated service hours from 8:30 AM to 5:30 PM on weekdays and a friendly team ready to assist you at every step, we're here for your needs. Experience the difference today! Contact us at 919-962-6551 or visit us online at www.ncsecu.org. Join us as we continue our legacy of supporting members and building stronger communities together!
Our Mission
At State Employees' Credit Union, our mission is simple yet profound: to enhance the financial well-being of our members while actively contributing to the community we cherish. We strive to provide personalized financial solutions that meet the unique needs of each member. Our aim is not just to be a bank but a trusted partner in your financial journey. We take pride in our customer-centric approach. Whether through online banking or mobile payments that make managing finances easier than ever, we focus on delivering services that align with modern lifestyles while maintaining ADA compliance for accessibility. Additionally, we ensure our members have access to ATMs and basic cash withdrawal services whenever needed.
Branch Location & Accessibility
Accessibility Features
Our branch is designed with accessibility in mind. We offer ADA-compliant features including ramps and designated parking spaces to ensure all members can comfortably access our services. There's ample parking available nearby so you won't have to worry about finding a spot when you visit us.
Call-to-Action
Ready to experience personalized service? Feel free to call us at 919-962-6551 if you have any questions or would like more information about how we can assist you. We look forward to welcoming you at the State Employees' branch!
Operating Hours
We understand your time is valuable. That's why our lobby hours are tailored to suit your busy schedule. You can visit us from Monday through Friday, from 8:30 AM to 5:30 PM. Our friendly staff is always ready to assist you during these hours.
Services Offered
At the State Employees' branch, we pride ourselves on offering a variety of services designed for both personal and business needs. From checking and savings accounts to auto loans and credit cards with rewards, we have everything you need under one roof. Plus, enjoy easy access to our ATM services for quick cash withdrawals or balance checks anytime!
Member Eligibility
At State Employees', we believe that everyone deserves a chance to be part of a supportive community that prioritizes your financial well-being. If you're looking to join us, becoming a member is straightforward! Generally, eligibility includes anyone who works for the state or is related to someone who does. This means you can easily connect with us if you're a state employee, their family member, or even if you live in our service area. We're excited to welcome new members who want to enjoy our variety of services tailored just for you. For more details on specific eligibility criteria, feel free to check out our resource at http://www.ncsecu.org/join#eligibility. Opening an account with us is just as simple and inviting! You can start your journey towards membership online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (919) 962-6551. We can't wait for you to experience all the benefits of being a member at State Employees', located at 310 Pittsboro St Chapel Hill Nc 27516!
Business Banking & Commercial Services
Financing Solutions for 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 That Make Sense
In addition to loans, we offer merchant services tailored to meet your needs. Imagine simplifying payment processing while enhancing customer satisfaction. With us, you can accept payments easily and securely, allowing you to focus on what truly matters growing your business. Located at 310 Pittsboro St Chapel Hill Nc 27516 in Chapel Hill, NC, we're here to help you navigate your financial journey. For more information, feel free to contact us at (919) 962-6551 or visit our website at https://www.ncsecu.org/. Let's work together to build a brighter future for your business!
Comprehensive List Of Services
Business Banking
For our business members, we understand the challenges of managing a company's finances. Our business banking services include merchant services to help you process payments smoothly and business loans tailored to fuel your growth. We are committed to supporting local businesses in Chapel Hill and beyond.
Connect With Us
We invite you to visit us at State Employees' in Chapel Hill or give us a call at 919-962-6551 during our lobby hours from 8:30 AM to 5:30 PM. Whether you have questions about setting up an account or need assistance with one of our many services, our friendly team is here to help. Experience the difference at State Employees' where we're dedicated to serving our members with care and expertise. Check out more about what we offer by visiting our website today!
Digital Banking Convenience
In today's fast-paced world, we know how important it is to have access to your accounts anytime, anywhere. That's why we offer robust online and mobile banking features. With just a few taps on your phone or clicks on your computer, you can manage your accounts, pay bills, and transfer funds effortlessly. Our ATM services provide easy cash withdrawal options when you're on the go. Plus, basic ATM access allows you to check balances without any hassle.
Personal Banking
Our personal banking services are designed with you in mind. You can open checking and savings accounts that fit your lifestyle, making it easier to manage your day-to-day finances. When life presents unexpected expenses or opportunities, our auto loans and vehicle financing options provide flexible solutions to get you back on the road quickly. If you're thinking about purchasing a home or refinancing your current mortgage, our mortgage loans offer competitive rates and personalized service. In addition to these essentials, we offer personal loans for debt consolidation or other financial needs, helping you regain control over your finances. Don't forget to check out our credit cards that come with rewards perfect for those who want to earn benefits while they spend.
Digital & Online Banking
Mobile Convenience
For those who prefer banking on the move, our mobile application offers a convenient way to manage your accounts right from your smartphone. You can also take advantage of mobile payments, making it easy to pay for purchases quickly and securely with just a tap.
Secure Transactions
Security is a top priority for us. We provide electronic signature authorization to ensure that all your transactions are safe and authorized by you. Plus, you can opt for e-statements, allowing you to receive important financial documents digitally no more paper clutter!
Stay Connected
While we currently do not support person-to-person transfers, our online banking services keep you connected with your finances in real-time. You can easily monitor transactions and set up alerts to stay informed about your account activity. At State Employees', we're committed to providing you with the tools you need for effective financial management. Explore all these features and more today!
Financial Strength
Growing Member Base
With total share accounts reaching 5,850,875, we demonstrate a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $574,556,810, showcasing our capability to support your financial aspirations. 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 310 Pittsboro St Chapel Hill Nc 27516 or call (919) 962-6551 to learn more about how we can help you achieve your financial goals.
Member-Centric Savings Options
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 $0 reflects our operational efficiency, 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, committed team.
Reinvestment for Growth
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. Our lending capacity is further highlighted by $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting members' financial goals across various sectors.
Solid 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 Loan Options
For those seeking lines of credit or business financing solutions, we provide access to $18,909,000,000 in total credit lines. This flexibility ensures that whether you're managing personal expenses or running a business, you have the support you need. At State Employees', we believe that everyone should have access to reliable financial services. You can contact us at 919-962-6551 for more information about our loan offerings or visit our website at ncsecu.org for details on how to apply. 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 take the next step toward achieving your financial goals today!
Auto Loans
Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We currently have over $2,955,872,351 in used vehicle loans and $1,138,258,230 in new vehicle loans helping members get on the road. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, our team is here to guide you through the process.
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 come with great rewards and allow you to make purchases while staying within your budget.
Mortgage Loans
Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. We make buying or refinancing simple with straightforward processes and competitive rates. If you're looking to refinance your existing mortgage or explore eligibility options for a new loan, we can assist you every step of the way.
Loan Aggregator
Benefits of Using LendMesh
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How LendMesh Ensures Accurate 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 ensures that users receive fair and transparent offers when comparing loans. By pulling data from legitimate financial institutions, LendMesh provides a trustworthy platform for users.