State Employees' Credit Union Chapel Hill NC: Low Mortgage Rates & Business Banking

Introduction

Welcome to State Employees' Credit Union, located at 173 N Chatham Pkwy, Chapel Hill, NC 27517. Since opening our doors in 1937, we have proudly served our community, growing to a membership of over 2.8 million members. Our commitment to providing excellent financial services is reflected in our robust assets of $57,229,286,839 and total deposits reaching $7,866,265,767. At State Employees', we believe that your financial health is paramount. That's why we offer a wide range of services tailored to meet your needs whether it's personal banking, auto loans, or mortgage refinancing. With a net worth of $5,446,832,560 and cash in hand totaling $708,661,969, we are well-equipped to support our members with the resources they need for a secure financial future. Led by our dedicated CEO, Leigh Brady, and Board President, Mona Moon, our team of over 8,200 employees is here to ensure you receive personalized service every time you visit us. We understand that financial decisions can be overwhelming; that's why we're committed to making your experience as smooth as possible. While members can visit us at our branch location for friendly assistance and expert advice during our lobby hours from 8:30 AM to 5:30 PM, official correspondence should be sent to the same address listed above for all mail-related inquiries. Ready to take the next step in achieving your financial goals? Don't hesitate to reach out! Call us at 919-932-7232 or explore more about what we offer on our website at ncsecu.org. Your journey toward better financial health starts with us!

Branch History & Mission

Community Impact

At State Employees', we understand that our success is intertwined with the well-being of our community. We actively engage in outreach efforts, partnering with local organizations to support education, economic development, and various initiatives aimed at improving quality of life. Our drive-thru service offers convenience for those on-the-go, while our ATM availability ensures easy access to funds whenever needed. While members can visit us at 173 N Chatham Pkwy Chapel Hill Nc 27517, official correspondence should be sent to 173 N CHATHAM PKWY, CHAPEL HILL, NC 27517 if it differs from our physical location. Our doors are open Monday through Friday from 8:30 AM to 5:30 PM, providing ample opportunities for you to connect with us.

Join Us Today!

As we look ahead, we remain dedicated to expanding our offerings and enhancing member experiences through customer-centric initiatives and digital advancements. Join us at State Employees' and discover how we can help you achieve your financial goals while being part of a caring community. Reach out today at (919) 932-7232 or visit our website at https://www.ncsecu.org/ to learn more about becoming a member or opening an account. Your journey toward better financial health starts here!

Our Journey

Located at 173 N Chatham Pkwy Chapel Hill Nc 27517, just a stone's throw from local landmarks, our branch has witnessed significant changes and growth in the financial landscape. Each milestone we've achieved reflects our commitment to providing exceptional service and fostering financial literacy among our members. As we evolved, we embraced technology, ensuring that our services are accessible to everyone, with online banking and mobile payments becoming integral parts of our offerings. Our mission is clear: to empower individuals and families by offering financial solutions that support their dreams and aspirations. We believe in putting people first our members, employees, and the communities we serve. This commitment drives us to provide not just traditional banking services like checking accounts, auto loans, and mortgages but also innovative solutions tailored to meet diverse needs.

Branch Location & Accessibility

Additional Amenities

For those who need cash on the go, our ATM is available for your convenience. You can use it for withdrawals and balance checks anytime. Should you require assistance or have questions about your account, feel free to give us a call at 919-932-7232; our friendly staff is ready to help. While members can visit us at 173 N Chatham Pkwy Chapel Hill Nc 27517, official correspondence should be sent to 173 N CHATHAM PKWY, CHAPEL HILL, NC 27517. We invite you to come by and experience all that State Employees' Credit Union has to offer. We look forward to serving you soon!

Nearby Landmarks and Features

Our branch sits near popular local spots, so you'll find it easy to incorporate a visit into your daily routine. With ample parking available, you won't have to worry about finding a space. Plus, our facility is ADA compliant, featuring ramps and other accessibility options to ensure that everyone can enjoy our services comfortably.

Operating Hours and Services

We're open Monday through Friday from 8:30 AM to 5:30 PM, giving you plenty of time during the week to stop by. At State Employees', we offer a variety of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you prefer quick transactions, our drive-thru service allows for easy deposits and withdrawals without ever leaving your car.

Member Eligibility

At State Employees', we believe that everyone deserves the chance to be part of a caring community that prioritizes your financial well-being. If you're looking to join us, you'll find that becoming a member is easier than you might think! Our eligibility criteria are designed to include a wide range of individuals and families. Generally, anyone who works for the state or has a family member who does can qualify. We also welcome those living in specific areas, so there's a good chance you're eligible! For detailed information about our eligibility requirements, check out this helpful resource: http://www.ncsecu.org/join#eligibility. Once you confirm your eligibility, opening an account with us is a straightforward process. You can start your journey towards membership by visiting our account opening page here: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, don't hesitate to reach out at (919) 932-7232. We're excited to help you take this step towards becoming part of the State Employees' family at our branch located at 173 N Chatham Pkwy Chapel Hill Nc 27517!

Business Banking & Commercial Services

Merchant Services that Work for You

Imagine being able to accept payments easily, manage transactions effortlessly, and streamline your operations all while focusing on what you do best: running your business. Our merchant services provide just that. Whether you need point-of-sale systems or online payment solutions, we equip you with the tools needed to enhance customer experiences and grow your revenue. Visit us at 173 N Chatham Pkwy Chapel Hill Nc 27517 or give us a call at (919) 932-7232 to discover how our business banking and commercial services can help you thrive!

Supporting Your 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.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer essential services like merchant services and business loans. Running a business requires reliable banking support, and we are here to help you succeed with competitive loan options and easy payment processing solutions.

Credit Cards & Rewards

Don't forget about our credit cards with rewards! These cards not only provide a convenient way to make purchases but also reward you for every dollar spent. Whether you're traveling, dining, or shopping, you can earn points that translate into valuable perks.

Digital Banking & Convenience

In today's fast-paced world, convenience matters. That's why we've invested in robust online and mobile banking features that allow you to manage your finances anytime, anywhere. Check your balance, transfer funds, pay bills, and even apply for loans right from your phone or computer. For cash transactions, take advantage of our ATM services, which include cash withdrawals and balance checks available at numerous locations for your convenience. We also have a basic drive-thru service for quick deposits and simple transactions without having to leave your vehicle.

Get Started Today!

At State Employees', we believe in making banking accessible and straightforward for everyone. Our extensive list of services is designed with you in mind. Don't hesitate to visit us at 173 N Chatham Pkwy Chapel Hill Nc 27517, call us at (919) 932-7232, or explore more about what we offer on our website. Join us today and experience financial services tailored just for you!

Personal Banking Solutions

Whether you're just starting out or looking to manage your wealth, our personal banking options cover everything you need. We offer checking and savings accounts tailored to help you save for future goals or manage everyday expenses. If you're in the market for a vehicle, our auto loans and vehicle financing make it easy to drive away in your dream car without breaking the bank. Homeownership is also made simpler with our mortgage loans and refinancing options. We know that buying a home is one of the biggest decisions you'll make, so we provide competitive rates and personalized support throughout the process. Additionally, if you're dealing with unexpected expenses or want to consolidate debts, our personal loans and debt consolidation services can help put you back on track.

Digital & Online Banking

Features That Fit Your Lifestyle

For those who enjoy the convenience of mobile payments, you'll be pleased to know that we support this feature as well. Easily pay for purchases directly from your account without fumbling for cash or cards. Need to send money to a friend? While we currently do not offer person-to-person transfers, our 24/7 online banking service means you can handle your other banking needs whenever it suits you. From checking balances to transferring funds between accounts, everything is accessible at any time. In summary, at State Employees', our digital and online banking services are crafted to fit into your busy lifestyle while keeping your financial information safe and secure. Discover all the ways you can manage your money effectively by visiting us at https://www.ncsecu.org/ today!

Key Services

Our online banking services include everything from viewing account balances to making transfers, all while ensuring your information is protected with the latest security measures. You can sign documents electronically with ease thanks to our electronic signature authorization feature. No more printing, signing, and scanning just a quick click! We also provide e-statements for those who prefer going paperless. This not only helps you stay organized but is also an environmentally friendly option. Plus, if you're always on the go, our mobile application allows you to manage your accounts right from your smartphone. Whether you're checking balances or making payments, it's all at your fingertips.

Financial Strength

Growing Together

Total Share Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $574,556,810, reinforcing our commitment to help you achieve 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 173 N Chatham Pkwy Chapel Hill Nc 27517 or call (919) 932-7232 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 capacity to lend is robust; we have $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting your financial goals across various sectors.

Member-Focused Savings

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 $2,145,244 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.

Solid Financial Foundation

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.

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 make it easy for you to drive away with a loan that fits your budget. Plus, if you're considering refinancing your current auto loan, ask us about our refinancing options.

Credit Lines

If you're looking for additional flexibility in managing your finances, our credit lines totaling $18,909,000,000 can be a great resource. They allow you to access funds when needed without the hassle of reapplying each time. For any questions regarding eligibility or to explore your options further, feel free to reach out to us at (919) 932-7232. We're here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Come visit us at our branch located at 173 N Chatham Pkwy Chapel Hill Nc 27517, and discover how we can support your financial journey today!

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. Our dedicated team can help guide you through the process, ensuring you find the right solution for your home financing needs.

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 come with benefits that can enhance your purchasing power while providing an easy way to handle unexpected expenses.

Loan Aggregator

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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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