Type of Loan Offerings
Mortgage Loans
Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
Personal Loans
Vehicle Loans
Introduction
Welcome to State Employees' Credit Union, your trusted financial partner located at 4819 Park Rd, Charlotte, NC 28209. Established in 1937, our credit union has proudly served over 2.8 million members with a strong commitment to community and financial well-being. With total assets of $57,229,286,839 and total deposits amounting to $7,866,265,767, we strive to provide reliable financial services tailored to meet your needs. At State Employees', we believe in empowering our members through various offerings, including personal banking, auto loans, mortgage loans, and business services. Our experienced team is dedicated to helping you navigate your financial journey with confidence. Under the leadership of CEO Leigh Brady and Board President Mona Moon, we focus on building lasting relationships based on trust and transparency. While you can visit us at our branch for all your banking needs, please send any official correspondence to our mailing address: 4819 PARK RD, CHARLOTTE, NC 28209. If you have questions or need assistance, don't hesitate to reach out at 704-525-5208. We invite you to explore our website at ncsecu.org for more information about our services and how we can assist you. Join us today and experience the difference that comes from being part of a credit union that truly values its members!
Branch History & Mission
Welcome to State Employees' Credit Union, a cornerstone of financial support and community service in Charlotte, NC. Established in 1937, we have a proud history of empowering our members through accessible banking solutions and dedicated community outreach. Our branch, located at 4819 Park Rd, Charlotte, NC 28209, has been a trusted partner for individuals and families for decades. Since our inception, we have witnessed significant growth and change. Today, we proudly serve over 2.8 million members and manage total assets exceeding $57 billion. This remarkable journey reflects not only our commitment to providing exceptional financial services but also our unwavering dedication to the communities we serve. Whether you're seeking personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we are here to support your financial goals. At State Employees', our mission goes beyond just banking; it is about making a real difference in the lives of our members. We believe that everyone deserves access to affordable financial services that foster stability and growth. Our focus on community means we actively engage in local initiatives and partnerships that uplift those around us. Our operating hours are Monday through Friday from 8:30 AM to 5:30 PM, making it convenient for you to visit us during the week. We offer drive-thru banking for quick transactions and ATM availability for your convenience. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 4819 PARK RD, CHARLOTTE, NC 28209. As technology evolves, so do we. Our digital banking options including online banking and mobile payments ensure that you can manage your finances safely and efficiently from anywhere. We are committed to maintaining ADA compliance so all members can access our services without barriers. Join us at State Employees' Credit Union and experience a welcoming environment where your financial well-being is our top priority. Together, let's build a brighter future for you and your community! For more information or to become a member today, give us a call at 704-525-5208 or visit our website.
Branch Location & Accessibility
Operating Hours
We're here for you Monday through Friday from 8:30 AM to 5:30 PM, so you can visit us during your lunch break or after work. Need assistance? Don't hesitate to call us at 704-525-5208; our friendly staff is always ready to help!
Parking and Accessibility
We understand that accessibility is important. Our branch features ample parking spaces, including accessible spots right by the entrance. You can also expect ADA-compliant facilities to ensure everyone can bank with ease. If you prefer to use our drive-thru service, we have that option available too, making it simple for those on the go.
Services Offered
At State Employees', we pride ourselves on offering a range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. We also provide online and mobile banking options for your convenience. While members can visit us at 4819 Park Rd for all their banking needs, official correspondence should be sent to the same address as our mailing address is identical. We invite you to stop by and experience the exceptional service that has made us a trusted choice in Mecklenburg County. Join us today, and let's work together toward your financial goals!
Member Eligibility
At State Employees', we believe that becoming a member is like joining a caring community where everyone supports one another. If you're looking to become part of our family, the process is simple and welcoming! To be eligible, you need to be a resident of North Carolina or work for an employer that participates in our credit union services. This includes state employees, their family members, and other specific groups outlined on our website. For a detailed overview of all eligibility criteria, feel free to visit http://www.ncsecu.org/join#eligibility. Once you know you're eligible, opening an account is straightforward! You can start your membership journey by visiting us at 4819 Park Rd Charlotte Nc 28209 or by applying online through this link: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions along the way or need assistance, don't hesitate to call us at (704) 525-5208. We're here to help you take this exciting step toward financial empowerment!
Business Banking & Commercial Services
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 competitive market, efficient payment processing can make a significant difference for your business. Our merchant services simplify transactions, allowing you to accept payments easily whether online or in-store. Picture your customers being able to pay quickly and securely with various options from credit cards to mobile payments enhancing their shopping experience while boosting your sales. Located at 4819 Park Rd Charlotte Nc 28209 in Charlotte, NC, we invite you to explore how our business banking services can help turn your goals into reality. Call us at (704) 525-5208 to learn more about what we can do for you!
Comprehensive List Of Services
Business Banking Solutions
For entrepreneurs and small business owners, we offer robust business banking solutions including merchant services and business loans. Managing your business finances shouldn't be complicated; let us help simplify the process so you can focus on what matters most growing your business.
Credit Cards with Benefits
Our credit cards come with rewards that add value to every purchase. Whether you're planning a big trip or just want to earn points on everyday spending, our credit cards at State Employees' can enhance your buying experience while keeping your budget in check.
Digital Convenience
In today's fast-paced world, convenience is key. That's why we provide online and mobile banking options that allow you to manage your accounts anytime, anywhere. With features like mobile payments and e-statements, staying on top of your finances has never been easier. Plus, our ATMs are available for quick cash withdrawals and balance checks without any hassle.
Drive-Thru & ATM Services
If you're in a hurry, take advantage of our basic drive-thru banking for quick deposits and withdrawals. We also have convenient ATM access at Charlotte - Park Road, ensuring you can handle simple transactions without stepping inside the branch. At State Employees', we're here to support your financial journey with services designed around your life. If you're ready to take the next step in managing your finances more effectively or have questions about any of our offerings, don't hesitate to reach out! Call us today at (704) 525-5208, or visit us at Charlotte - Park Road we're excited to assist you!
Loans for Every Need
When life presents challenges or opportunities, our loan services can support you. We offer auto loans and vehicle financing that make getting on the road easier than ever. If you're ready to buy a new home, our mortgage loans and refinancing options can help turn your dream into reality. For those times when you need extra cash, our personal loans and debt consolidation services provide flexible solutions tailored just for you.
Personal Banking Made Easy
Whether you're looking to open a checking or savings account, State Employees' has options that fit your lifestyle. Our personal banking services are designed to help you save for the future while managing day-to-day expenses. Imagine having access to an account that helps you achieve your financial goals be it saving for a family vacation or preparing for unexpected expenses.
Digital & Online Banking
24/7 Access
Our commitment to accessibility means that you can take care of your banking needs whenever it suits you best. With 24/7 online banking services available, you'll never have to worry about rushing to the bank before closing hours again. Join us at State Employees' today and experience how our digital and online banking services can simplify your financial life!
Key Features
Security is a top priority for us at State Employees'. Our online banking includes electronic signature authorization, ensuring that your transactions are safe and protected. Plus, you can opt for e-statements, which provide an eco-friendly way to keep track of your finances without the hassle of paper statements. For those who enjoy the convenience of modern payment methods, our mobile payments feature lets you make purchases directly from your phone. And if you need to send money quickly, you'll appreciate that we offer person-to-person transfers though currently, we do not support this service.
Financial Strength
Growing Member Base
The trust placed in us by our members is evident with a total of 5,850,875 share accounts, showing a strong and growing member base that relies on us for their financial needs. Our net shares available for lending and investments stand at $574,556,810, further indicating our capability to support member initiatives effectively. 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 4819 Park Rd Charlotte Nc 28209 or call (704) 525-5208 to learn more about how we can help you achieve your financial goals.
Operational Efficiency
Our commitment to operational 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 who are always ready to serve you with a knowledgeable and committed team.
Reinvesting for Your Benefit
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 your financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases.
Secure Savings Opportunities
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.
Strong Capital 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.
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 interested in a brand-new model or a reliable used vehicle, our loan options cater to all preferences.
Credit Lines
For those who prefer flexibility, our total credit lines available amount to $18,909,000,000. These options allow you to access funds when you need them without the hassle of applying for multiple loans. At State Employees', we are dedicated to supporting our community by providing accessible financial solutions tailored to individual needs. If you're considering refinancing or want to know about eligibility options, please don't hesitate to reach out. To learn more about our loan offerings or start your application today, contact us at (704) 525-5208, or visit us at our branch located at 4819 Park Rd Charlotte Nc 28209 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 future starts here!
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 provide personalized service to help you navigate your mortgage journey, ensuring you find the right product for your situation.
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 rewards and benefits that can fit your lifestyle, providing a reliable option for everyday spending.
Loan Aggregator
Building Trust with Real Users
Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how LendMesh can make a significant difference in securing favorable loan terms. To take advantage of these benefits and find the best loan rates tailored to your needs, compare real-time loan offers today at LendMesh. --- Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.
How LendMesh Ensures Accurate Loan 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 means that users receive fair and transparent offers, backed by credible information. LendMesh employs several measures to guarantee the integrity of its loan comparisons: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, enabling them to make informed choices.