Nc State Employee Credit Union

Located in the vibrant Oakhurst Commons neighborhood, the State Employees' Credit Union branch at 1720 Oakhurst Commons Dr in Charlotte is your friendly local partner for smart financial solutions. Whether you’re interested in securing some of the best auto loans with flexible vehicle financing or managing your personal banking through convenient checking and savings accounts, this branch delivers expert service tailored to your unique goals. Open Monday through Friday from 8:30 AM to 5:30 PM, it’s easy to stop by for personalized guidance that fits your busy lifestyle.
Serving nearly 2.85 million members with assets exceeding $57 billion, this Charlotte location also offers competitive mortgage loans and refinancing options designed to make homeownership more accessible. Local businesses can take advantage of merchant services and business loans crafted to support growth. With convenient drive-thru banking and ATM access for quick deposits, withdrawals, and balance checks—plus secure online and mobile banking platforms—you have multiple ways to manage your finances anytime.
Visit the State Employees’ Credit Union branch at Oakhurst Commons or call 704-366-4042 today to experience welcoming service focused on your financial success. Discover how our signature auto loans and mortgage programs can help you confidently accelerate toward your dreams!

Type of Loan Offerings

mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10-Year Fixed Rate
5.3 - 5.5 %
5.518 - 5.719 %
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
5-Year ARM
5.5 - 6.15 %
5.591 - 6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
15-Year Fixed Rate
5.5 - 5.8 %
5.654 - 5.955 %
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
First-Time Homebuyer's (5-Year ARM)
6.15 %
6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed Rate
6.2 - 6.75 %
6.325 - 6.878 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed Rate
6.5 %
6.596 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share-secured
3.1 - 6.75 %
2 - 10 Yrs
Share-secured term note
6.5 %
0.5 Yrs
Closed-end fixed rate
9.25 - 12.75 %
2 - 6 Yrs
Signature term note
11.75 %
0.5 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
5 % - 7.5 %
3 Yrs
Auto
5.25 % - 7.75 %
4 Yrs
Auto
5.5 % - 8 %
5 Yrs
Auto
5.75 % - 8.25 %
6 Yrs
Auto
6.5 % - 9 %
7 Yrs
Auto
7.25 % - 9.75 %
8 Yrs

Introduction

Welcome to State Employees' Credit Union, where your financial well-being is our top priority. Located at 1720 Oakhurst Commons Dr, Charlotte, NC 28211, we have been serving our community since 1937 with a commitment to providing reliable and accessible banking solutions. With over 2.8 million members and $57 billion in total assets, our credit union stands as a pillar of support for individuals and families seeking financial stability and growth. At State Employees', we believe in the power of community. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, works tirelessly to ensure that each member receives personalized service tailored to their unique needs. We offer a variety of services, including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards all designed to help you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to the same address: 1720 Oakhurst Commons Dr, Charlotte, NC 28211. We pride ourselves on transparency and trustworthiness, holding a net worth of $5.4 billion and maintaining an impressive cash reserve of $708 million to ensure that we can support our members when they need it most. With a total deposit base of over $7.8 billion, we are well-positioned to provide competitive rates on loans while ensuring your funds are secure. Whether you're looking to purchase a new vehicle or simply want to save for the future, we're here to assist you every step of the way. Explore what makes State Employees' Credit Union not just another financial institution but a true partner in your journey towards financial success. For more information or to speak with one of our friendly representatives, feel free to call us at 704-366-4042 or visit our website at ncsecu.org. Join us today and become part of a thriving community focused on bettering lives through smart financial choices!

Branch History & Mission

Community Engagement

We take pride in being more than just a financial institution. Our outreach efforts include partnerships with local organizations aimed at improving education, health, and welfare in Charlotte and beyond. By investing in community programs, we strive to create a better future for all residents. As part of our commitment to accessibility, we offer features such as ATM availability and drive-thru banking for simple transactions. In addition, we have embraced digital advancements like online banking and mobile payments so you can manage your finances anytime, anywhere. Join us today at State Employees', where you can experience firsthand the benefits of being part of a community-focused credit union. Together, let's work towards achieving your financial goals while building a stronger community. For more information or to become a member, please call us at 704-366-4042 or visit our website at ncsecu.org. Your journey towards financial empowerment begins here!

Our Mission

At State Employees', our mission is straightforward: to improve the lives of our members through superior financial products and services while giving back to the communities we serve. We believe in empowering individuals by offering personalized banking solutions, from checking and savings accounts to auto loans and mortgages. Additionally, we are committed to supporting local initiatives that make a real difference in people's lives. While members can visit us at 1720 Oakhurst Commons Dr, official correspondence should be sent to our mailing address at 1720 OAKHURST COMMONS DR, CHARLOTTE, NC 28211 if different. Our operating hours are designed for your convenience; we're open Monday through Friday from 8:30 AM to 5:30 PM.

Branch Location & Accessibility

Welcome to the State Employees' Credit Union, located conveniently at 1720 Oakhurst Commons Dr in beautiful Charlotte, NC. Our branch is nestled in the heart of Mecklenburg County, making it easily accessible for all our members. If you need to send us any official correspondence, please use our mailing address: 1720 OAKHURST COMMONS DR, CHARLOTTE, NC 28211. You'll find us near popular local landmarks, including shopping centers and parks, which makes stopping by a breeze whether you're running errands or just enjoying a day out. Our location offers ample parking and features designed to accommodate everyone, including ADA-compliant ramps for easy access. We invite you to visit us during our welcoming hours from 8:30 AM to 5:30 PM, Monday through Friday. If you prefer banking from your vehicle, take advantage of our drive-thru service for quick and simple transactions. We also have an ATM available on-site for your convenience. At State Employees', we pride ourselves on offering a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to loans for vehicles and mortgages, we're here to help you every step of the way. If you have any questions or would like more information about what we offer, don't hesitate to give us a call at 704-366-4042. We look forward to welcoming you into our branch soon!

Member Eligibility

At State Employees', we believe that everyone deserves a chance to thrive in a supportive financial community. Joining us is a straightforward process, and we welcome individuals from various backgrounds. To become a member, you need to meet some basic eligibility criteria. Typically, this includes being an employee or family member of certain organizations or residents of specific areas. For detailed information on eligibility, feel free to check out our website at http://www.ncsecu.org/join#eligibility. Once you know you're eligible, opening an account is easy and quick! Just visit 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 to us at (704) 366-4042. We're excited for you to join our community at State Employees', located at 1720 Oakhurst Commons Dr Charlotte Nc 28211, where you can enjoy personalized service and a variety of financial products designed just for you!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify transactions and help you manage your cash flow efficiently. Imagine being able to accept payments seamlessly from customers at any time. Our solutions enable you to focus on what you do best running your business while we take care of the financial side. Located at 1720 Oakhurst Commons Dr Charlotte Nc 28211 in Charlotte, NC, we are here to empower your business ambitions. Reach out today at (704) 366-4042 to explore how we can help you thrive!

Tailored Loan Solutions

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

ATM Access Anytime

Need cash on the go? With our ATM services, you can withdraw money or check balances whenever you need. We understand how important accessibility is in managing your finances. At State Employees', we are committed to serving our community with care and dedication. If you're ready to learn more about how our services can benefit you or if you have any questions, don't hesitate to reach out! Call us at (704) 366-4042 or visit us online at Charlotte - Monroe Road today!

Business Banking Solutions

For our business members, we offer specialized services that cater to your unique needs. From merchant services that simplify transactions for your customers to business loans that support your growth ambitions, we understand what it takes to run a successful business.

Credit Cards with Benefits

Looking for flexible spending? Our credit cards with rewards offer you the chance to earn points on every purchase, turning everyday spending into exciting rewards. This is just another way we work to provide value for our members.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options that let you manage your finances from anywhere. Check balances, transfer funds, and pay bills right from your phone or computer no need to visit the branch unless you want to! And if you prefer face-to-face interactions, our drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Personal Banking Made Simple

Our personal banking services are designed with your everyday needs in mind. We offer both checking and savings accounts that help you manage your money efficiently. Imagine having easy access to your funds, whether you're making a purchase or saving for a future goal. Our auto loans and vehicle financing options make it possible for you to drive away in the car of your dreams without breaking the bank. Thinking about buying a home? Our mortgage loans and refinancing options can help you secure the perfect home loan with favorable terms. If you're facing unexpected expenses or want to consolidate debt, our personal loans provide a straightforward way to get back on track financially.

Digital & Online Banking

Accessibility and Ease-of-Use

Managing money has never been easier with our services. For quick transfers between friends or family, you can rely on our person-to-person transfers, although currently, this feature isn't available. But worry not! With just a few clicks, you can handle most of your banking tasks directly through your account. At State Employees', we aim to provide an experience that feels personal and efficient. We believe that financial management should be straightforward and accessible for everyone. Join us today and enjoy the benefits of modern banking tailored just for you!

Key Features

With our 24/7 online banking services, you have the flexibility to check your balance, pay bills, and transfer funds whenever it suits you. Want to go paperless? Our e-statements allow you to receive your bank statements electronically, making it easy to keep track of your finances while reducing clutter. For those who prefer using their smartphones, our mobile application is available for download, giving you full access to all your banking needs right in the palm of your hand. You can even take advantage of mobile payments, allowing you to make secure transactions without needing cash or cards. If you need to sign documents quickly, our electronic signature authorization feature makes it a breeze. No more printing and mailing paperwork; everything can be done digitally and securely.

Financial Strength

At State Employees', financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. As a trusted partner in your financial journey, we are committed to providing you with the best possible services while ensuring our sound financial standing. 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. 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. 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. Our financial performance reflects our operational efficiency, with a reported $0 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 who are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $574,556,810. Total Share Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. 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 1720 Oakhurst Commons Dr Charlotte Nc 28211 or call (704) 366-4042 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 provide flexible terms to make your purchasing experience smooth and straightforward.

Credit Lines

For those who need a bit more flexibility, our total credit lines amounting to $18,909,000,000 offer a safety net for unexpected expenses or planned purchases.

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 aim to support you every step of the way, whether you're a first-time buyer or looking to refinance your existing mortgage.

Refinancing Options

If you're considering refinancing any existing loans, we have options available that could help you lower your monthly payments or reduce your interest rates. Our team is here to discuss eligibility and find the best solution for your financial situation. For more information about our loan offerings or to explore how we can assist you further, don't hesitate to reach out at (704) 366-4042. Our branch is located at 1720 Oakhurst Commons Dr Charlotte Nc 28211, Charlotte, NC, and our friendly staff is ready to help you find the right financial product. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible terms on unsecured credit card loans. We currently have $1,177,171,541 in loans helping members manage their finances effectively. This option is perfect for those who want quick access to funds without collateral.

Loan Aggregator

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