Type of Loan Offerings
Mortgage Loans
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Personal Loans
Vehicle Loans
Introduction
Welcome to State Employees' Credit Union, your trusted financial partner located at 4720 Airport Center Pkwy, Charlotte, NC 28208. Established in 1937, our credit union has grown to serve over 2.8 million members with a commitment to provide personalized banking services that truly make a difference in our community. With total assets exceeding $57 billion, and a strong net worth of $5.4 billion, we are proud to offer a range of financial products tailored to meet your needs, from personal loans and credit cards to mortgage financing and business banking solutions. Our robust membership base reflects the trust our community places in us, with total deposits amounting to $7.8 billion. Led by our dedicated CEO, Leigh Brady, and Board President Mona Moon, our team is committed to ensuring you receive the best possible service. With 8,258 employees ready to assist you, we strive to create a welcoming environment where your financial goals are within reach. While members can visit us at our branch location, official correspondence should be sent to the same address for both mailing and visiting: 4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208. We invite you to explore how we can support your financial journey. Whether you're looking for competitive auto loans or convenient online banking options, we have something for everyone. Call us at 704-394-4844 or visit our website at ncsecu.org today! Together, let's build a brighter financial future for you and your family.
Branch History & Mission
Community Engagement
Beyond banking services, we actively engage with our community through various outreach programs and partnerships aimed at making a difference. We are proud supporters of local initiatives that promote financial literacy and economic development within Charlotte and its surrounding areas. While members can visit us at 4720 Airport Center Pkwy, official correspondence should be sent to our mailing address: 4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208. Join us today and discover how State Employees' can help you achieve your financial goals! With our robust suite of services designed with you in mind and a team dedicated to your success, becoming a member means gaining access not just to banking but to a supportive community focused on your needs. Feel free to reach out at 704-394-4844 or visit our website at ncsecu.org for more information. Experience the difference that comes with being part of State Employees'!
Mission Statement
At State Employees', our mission is simple yet impactful: to improve the financial well-being of our members while fostering community growth. We strive to deliver personalized services that are both transparent and beneficial. Whether you're looking to secure your first home or seeking advice on debt consolidation, we are here every step of the way. We believe that banking should be about more than just transactions; it should be about relationships. That's why we prioritize customer service, offering lobby hours from 8:30 AM to 5:30 PM Monday through Friday and convenient drive-thru services for quick transactions. Plus, with ATM availability right at our location, accessing your funds has never been easier.
Branch Location & Accessibility
Call to Action
We invite you to come visit us at State Employees'! If you have any questions or would like more information about our services, don't hesitate to call us at 704-394-4844. Your financial well-being is our priority, and we look forward to serving you soon!
Location and Accessibility
You can visit us at 4720 Airport Center Pkwy, Charlotte, NC 28208. If you need to send any official correspondence, please use our mailing address: 4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208. We strive to ensure that everyone can access our services comfortably; our branch features ADA-compliant facilities and convenient parking options.
Operating Hours and Services
We're open Monday through Friday from 8:30 AM to 5:30 PM, making it easy for you to stop by before or after work. At our branch, you'll find a range of personal banking services tailored to meet your needs, including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Need a quick transaction? Our drive-thru service allows for easy deposits and withdrawals without leaving your car. If you're in need of cash or want to check your balance, we also offer ATM services right on-site. With all these amenities available at your fingertips, we aim to provide a friendly and welcoming environment for all our members.
Member Eligibility
Becoming a member of State Employees' feels like joining a welcoming family that genuinely cares about your financial well-being. If you're interested in membership, you'll be pleased to know that many individuals can qualify! To become a member, you generally need to be a resident of North Carolina or work for the state government. The specific eligibility criteria can vary, so I encourage you to check out the detailed information available at http://www.ncsecu.org/join#eligibility. Once you find that you meet the requirements, opening an account is a breeze! Just visit our website at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (704) 394-4844, and our friendly staff will guide you through the simple steps. Join us at our branch located at 4720 Airport Center Pkwy Charlotte Nc 28208 and start enjoying the benefits of being part of State Employees' today!
Business Banking & Commercial Services
Business Loan Options
Imagine having access to the funds you need to seize new opportunities or expand your operations. 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 addition to loans, we offer merchant services that simplify daily transactions. Imagine a local coffee shop using our payment solutions to provide quick service during morning rush hours, ensuring customers can grab their favorite brew without delay. Our systems not only speed up transactions but also enhance customer satisfaction, helping your business thrive. Located at 4720 Airport Center Pkwy Charlotte Nc 28208 in Charlotte, NC, we're here to help you navigate the financial landscape. Call us at (704) 394-4844 or visit us online at our website to learn more about how we can partner with you for success!
Comprehensive List Of Services
ATM & Cash Withdrawal Services
With our ATM network and cash withdrawal services available at various locations, accessing your money is simple and quick. You won't have to worry about long lines or limited access; we're here for you whenever you need us.
Auto Loans & Vehicle Financing
Need a new car? We offer auto loans and vehicle financing that help make your dream ride a reality. Picture yourself driving off in your new vehicle without the stress of high-interest rates. Our flexible terms mean you can find an option that works for your budget.
Business Banking
For our members who run their own businesses, we provide business banking solutions that include merchant services and business loans. We understand the unique challenges business owners face, which is why our services are crafted to enhance growth and simplify financial management.
Credit Cards with Rewards
Our credit cards come packed with rewards that benefit you every time you use them. Think about earning points on purchases that can lead to travel perks or cash back it's like getting paid for spending!
Drive-Thru Banking
For those who prefer face-to-face service without leaving their car, our basic drive-thru banking provides easy access for deposits, withdrawals, and simple transactions. Just pull up and let us assist you quickly! At State Employees', we pride ourselves on being more than just a financial institution; we're a community partner dedicated to helping you achieve your financial goals. For any questions or additional information about our services, feel free to contact us at 704-394-4844 or visit us online at ncsecu.org. We're here to help!
Mortgage Loans & Refinancing
Buying a home is one of life's biggest decisions, and at State Employees', we understand its importance. Our mortgage loans and refinancing options provide you with the tools necessary for home ownership. Whether it's your first home or you're looking to refinance an existing loan, we guide you through every detail to ensure a smooth process.
Online & Mobile Banking
In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your accounts anytime, anywhere. Check balances, transfer funds, or pay bills all from your smartphone or computer banking has never been easier!
Personal Banking
Whether you're looking to open a checking or savings account, our personal banking services are designed with your lifestyle in mind. Imagine having a hassle-free way to manage your money, with options that fit your spending habits. With competitive rates and low fees, our accounts help you save more while accessing your funds easily.
Personal Loans & Debt Consolidation
Life can throw unexpected expenses your way. That's why we offer personal loans for those moments when you need extra support. From consolidating debt to funding a special project, our loans are tailored to meet your needs without overwhelming monthly payments.
Digital & Online Banking
In today's fast-paced world, having easy and secure access to your finances is essential. At State Employees', we prioritize your convenience with a suite of digital and online banking services designed to keep you connected wherever you are. With just a few clicks or taps, you can manage your accounts in real-time, ensuring that your financial life runs smoothly. Our online banking platform is user-friendly and available 24/7 at https://www.ncsecu.org/. Whether you're checking your balance, transferring funds, or viewing recent transactions, our online services make it simple. If you're always on the go, our mobile application allows you to bank right from your smartphone, making it easier than ever to stay on top of your finances. We also offer electronic signature authorization for added convenience when signing documents digitally. Plus, with e-statements available, you can easily access your account statements without the clutter of paper. For those who enjoy the latest payment methods, our mobile payments feature lets you make purchases quickly and securely using your phone. While person-to-person transfers aren't currently offered, our online banking capabilities are robust enough to handle most of your everyday banking needs. You can rest assured that all of these services are backed by strong security measures to protect your information. At State Employees', we believe banking should be as accessible as possible. Our digital services not only enhance ease-of-use but also provide peace of mind as you manage your money from anywhere at any time. Join us today and experience a smarter way to bank!
Financial Strength
Member Savings Secured
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 Better Services
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 supports members' financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases.
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.
Trust in Our Growth
Total Share and Deposit Accounts: 5,850,875, show a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $574,556,810, we are well-positioned to meet your needs. 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 4720 Airport Center Pkwy Charlotte Nc 28208 or call (704) 394-4844 to learn more about how we can help you achieve your financial goals.
Loan Offering
Additional Options
For those looking for credit lines, we have options available totaling $18,909,000,000. Whether it's for personal use or business needs, we provide solutions that can help support your financial endeavors. At State Employees', we're committed to helping you find the right loan product for your needs. For more information on our offerings or to start your application process, feel free to reach out at (704) 394-4844 or visit us at our branch located at 4720 Airport Center Pkwy Charlotte Nc 28208 in Charlotte, NC. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey starts here!
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 interest rates that can fit into almost any budget. Plus, if you're considering refinancing your current auto loan, our team is ready to assist you with that process.
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 know the home-buying process can be overwhelming, which is why our experienced staff is here to guide you every step of the way. If you're interested in refinancing your existing mortgage, we can help you explore eligibility options tailored to your situation.
Unsecured Credit Card Loans
Managing day-to-day expenses? 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 features and rewards designed to suit different spending habits.
Loan Aggregator
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