Type of Loan Offerings
Mortgage Loans
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Personal Loans
Vehicle Loans
Introduction
At State Employees' Credit Union, we believe in building strong relationships with our members and the community. Located at 1130 E 3Rd St, Charlotte, NC 28204, our branch has been serving you since 1937. Over the years, we've grown to support a remarkable 2,847,943 members and manage assets totaling $57,229,286,839. Our commitment to providing exceptional financial services is evident in our diverse offerings from personal banking and auto loans to mortgage financing. While you can visit us at our Charlotte location for all your banking needs, please direct any official correspondence to the same address: 1130 E 3RD ST, CHARLOTTE, NC 28204. With a robust team of 8,258 employees, led by our dedicated CEO Leigh Brady and Board President Mona Moon, we strive to foster an environment of trust and reliability. As part of our mission, we not only aim to help you achieve your financial goals but also contribute positively to the communities we serve. Our total deposits stand at an impressive $7,866,265,767, reflecting the trust our members place in us. We invite you to explore the many ways we can assist you whether it's through online banking or visiting us during our convenient hours from 8:30 AM to 5:30 PM. Ready to take the next step? Call us at 704-376-9133 or visit our website at www.ncsecu.org today! Your journey toward financial well-being starts here!
Branch History & Mission
Community Impact
We believe that serving our members goes beyond just transactions; it's about fostering relationships and uplifting those around us. Over the years, we've actively engaged in community outreach initiatives that support education, health, and local development projects. By partnering with various organizations and participating in local events, we strive to make positive contributions throughout Charlotte and beyond. In addition to traditional banking services like checking accounts and auto loans, we are dedicated to embracing digital advancements to improve member experiences. Our online banking platform and mobile app allow for convenient access anytime and anywhere. With features such as e-statements and mobile payments, managing finances has never been easier.
Join Us
Whether you're looking for personal banking solutions or business services, State Employees' Credit Union is here for you. With operating hours from 8:30 AM to 5:30 PM Monday through Friday and an ATM available for your convenience, we're ready to assist you with all your financial needs. While members can visit us at 1130 E 3Rd St, official correspondence should be sent to the same address for consistency. For any questions or assistance, feel free to call us at 704-376-9133. Join us today and become part of a community-focused credit union that prioritizes your financial success! Experience firsthand how State Employees' Credit Union can help you achieve your goals while making a difference in your community.
Our Journey
From humble beginnings as a small credit union focused on serving state employees, we have evolved significantly over the years. Today, with total assets exceeding $57 billion, we stand as one of the largest credit unions in the country. Our commitment to providing quality service has driven us to continually enhance our offerings and embrace modern banking technologies while ensuring we remain accessible to everyone. As we expanded, so did our mission: to provide exceptional financial services while supporting the communities we serve. We aim not just to be a financial institution but a community partner that makes a real difference in people's lives. Our mission statement reflects this commitment: "To promote the economic well-being of our members through quality financial products and personalized service."
Branch Location & Accessibility
Accessibility Features
At State Employees', we prioritize accessibility for all our members. Our branch complies with ADA standards, featuring ramps and accessible entrances to ensure everyone can comfortably reach us. Whether you're coming in for personal banking services or just to chat with one of our friendly staff members, you'll find that we've made every effort to welcome you.
Operating Hours
Our doors are open Monday through Friday from 8:30 AM to 5:30 PM, allowing you plenty of time during the week to manage your accounts and speak with our knowledgeable team. We understand that life can get busy, so we've designed our hours to fit your schedule.
Services Offered
When you visit us at the State Employees' branch, you'll have access to a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, if you're looking for convenient transactions on the go, enjoy our ATM services and drive-thru banking for quick deposits and withdrawals. While members can visit us at 1130 E 3Rd St, official correspondence should be sent to the same address for simplicity. If you have any questions or need assistance, don't hesitate to call us at 704-376-9133 we're always happy to help! We invite you to come by and experience everything that State Employees' has to offer. Your financial journey starts here!
Member Eligibility
Joining the State Employees' is more than just opening a bank account; it's about becoming part of a community that values its members and supports their financial well-being. To be eligible for membership, you typically need to be a state employee or an immediate family member of one. This means that if you're working for the state or are related to someone who does, you're on your way to enjoying the many benefits we offer, like competitive rates on loans and personalized service. For a detailed look at eligibility requirements, feel free to check out our resource at http://www.ncsecu.org/join#eligibility. Opening an account with us is straightforward and welcoming! Just visit our website at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or give us a call at (704) 376-9133 if you have any questions. We're located at 1130 E 3Rd St Charlotte Nc 28204, and we'd love to help you take this important step towards better banking. Join us today, and experience the supportive environment that sets State Employees' apart from traditional banks!
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
In today's fast-paced market, efficient payment processing can make a world of difference. Our merchant services simplify transactions so you can focus on what really matters growing your business. Imagine accepting payments seamlessly from customers using various methods, all while enjoying competitive rates and reliable support. Visit us at 1130 E 3Rd St Charlotte Nc 28204 in Charlotte, NC or give us a call at (704) 376-9133 to learn more about how we can help your business thrive!
Comprehensive List Of Services
Accessibility
We understand that accessibility matters. Our branch features basic ATM access for quick withdrawals and balance checks, ensuring that even if you're in a hurry, managing your money is straightforward. If you're ready to experience personalized financial service at its best, don't hesitate to reach out! Call us at (704) 376-9133 or visit us at Charlotte - Third Street today! Your journey towards better financial health starts here!
Business Banking
For our entrepreneurial members, we offer specialized services under business banking, which includes merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're committed to helping local businesses thrive.
Credit Cards
With our credit cards featuring rewards, you can earn points or cashback on everyday purchases. It's a great way to make the most out of your spending while enjoying added benefits.
Digital Banking Features
In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your finances anytime, anywhere. You can check balances, transfer funds, pay bills, and even access ATM and cash withdrawal services right from your phone or computer. Plus, with our basic drive-thru banking service at State Employees', making deposits or completing simple transactions has never been easier.
Home Financing
Owning a home is one of life's big milestones. With our mortgage loans and refinancing options, we guide you through every step of the process, ensuring you understand your choices and find the best plan for your situation. Whether you're buying your first home or looking to refinance an existing mortgage, we're here to support you.
Personal Banking
Managing your finances should be simple. Our personal banking services include checking and savings accounts that help you save for your goals while keeping your money safe. Whether you're saving for a vacation or just want a rainy-day fund, we have the right account for you. If you're in the market for a vehicle, our auto loans and vehicle financing options make it easy to drive away with your dream car. We offer competitive rates and flexible terms to fit your budget.
Personal Loans
Life can throw unexpected expenses your way. Our personal loans and debt consolidation options provide quick access to funds when you need them most. We aim to make borrowing straightforward and stress-free so that you can focus on what truly matters.
Digital & Online Banking
Easy Access Anytime
With our 24/7 online banking services available at https://www.ncsecu.org/, you can check your account balances, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, your financial information is just a click away. Our user-friendly platform ensures that managing your money doesn't have to be complicated.
Mobile Banking Convenience
For those who prefer banking on their smartphones, our mobile application makes it easy to stay connected to your accounts. You can also take advantage of mobile payments to make purchases quickly and securely. Forget about fumbling for cash; simply use your phone for everyday transactions!
Person-to-Person Transfers Made Simple
While we currently don't support person-to-person transfers, our other features provide plenty of ways to manage your finances effectively. Whether you're sending money for bills or splitting costs with friends, our system is designed to keep things straightforward. With all these features combined, State Employees' ensures that you can manage your finances with ease and confidence. Explore more about our digital offerings today and experience the convenience of online banking tailored just for you!
Secure Transactions
Your safety is our top priority. Our digital banking services include electronic signature authorization, allowing you to sign documents securely from anywhere. Plus, with e-statements readily available, you'll receive your account information without the clutter of paper statements it's eco-friendly too!
Financial Strength
A Strong 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 $971 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.
Community Trust
Total Share and Deposit Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $574,556,810, further demonstrating our commitment to fostering community growth. 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 1130 E 3Rd St Charlotte Nc 28204 or call (704) 376-9133 to learn more about how we can help you achieve your financial goals.
Investment in 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 robust lending capacity is evident with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting members' financial goals across various sectors.
Member-Centric 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 commitment to efficiency is reflected in our $0 which enables 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.
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. Whether you're purchasing a brand-new model or a reliable used car, our team is here to assist you throughout the process.
Credit Lines
For those who need extra flexibility for unexpected expenses or larger purchases, we provide credit lines totaling $18,909,000,000. This option allows you to borrow as needed without having to apply for a new loan each time. If you're interested in any of these products or want to explore refinancing options further, don't hesitate to reach out! You can contact us at 704-376-9133 for personalized assistance or visit us at our branch located at 1130 E 3Rd St Charlotte Nc 28204. 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 towards fulfilling your financial goals!
Mortgage Loans
Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, allowing you to invest in your future comfortably. If you're considering refinancing your existing mortgage, our competitive rates can help reduce your monthly payments.
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. Our credit cards come with various benefits that can enhance your spending experience while keeping your budget on track.
Loan Aggregator
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Ensuring 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 commitment guarantees that users receive fair and transparent offers. By gathering information from legitimate financial institutions, LendMesh prioritizes accuracy in its loan comparisons.