State Employees' Credit Union Charlotte NC: Best Auto Loans & Personal Banking

Introduction

Welcome to State Employees', your trusted credit union located at 8605 University City Blvd, Charlotte, NC 28213. Since our establishment in 1937, we have dedicated ourselves to serving over 2.8 million members, offering a wide range of financial products designed to meet the needs of our community. Our commitment to providing exceptional service is reflected in our robust total assets of $57,229,286,839 and total deposits amounting to $7,866,265,767. At State Employees', we understand that your financial journey matters. Whether you're looking for auto loans over 1,194,630 loans and leases in total or personal banking services such as checking and savings accounts, we are here to support you every step of the way. With a solid net worth of $5,446,832,560 and cash reserves of $708,661,969, we ensure that your money is safe and secure. Our leadership team is committed to fostering a strong relationship with our members. Led by CEO Leigh Brady and Board President Mona Moon, we prioritize transparency and member satisfaction in everything we do. You can reach us at 704-549-5822 or visit our website at ncsecu.org for more information. While members can visit us at our branch location, official correspondence should be sent to the same address: 8605 UNIVERSITY CITY BLVD, CHARLOTTE, NC 28213. We invite you to explore how State Employees' can help you achieve your financial goals today! Whether it's through mobile banking or traditional services like drive-thru access for deposits and withdrawals, we are here for you from 8:30 AM to 5:30 PM, Monday through Friday. Join us on this journey towards financial wellness!

Branch History & Mission

Join Us

We invite you to become part of our story at State Employees'. Experience the benefits of membership where your financial well-being is our priority. Together, let's build a future filled with opportunities for you and your community. For more information on how you can join us or to explore our services further, please visit our website or call us at (704) 549-5822 today!

Our Evolution

Located at 8605 University City Blvd, Charlotte, NC 28213, our branch has seen significant changes since its inception. From humble beginnings focused on serving state employees to becoming a full-service credit union that meets diverse financial needs, we have always prioritized our members. We offer a wide range of services including personal banking, auto loans, mortgage financing, credit cards with rewards, and business banking solutions. Our operating hours are convenient for all: Monday through Friday from 8:30 AM to 5:30 PM. We also provide an ATM and drive-thru service for quick transactions. While members can visit us at our branch address, official correspondence should be sent to the same address listed above.

Our Mission

At the heart of State Employees' mission is the belief that everyone deserves access to quality financial services. We strive to empower our members by offering tools and resources that help them achieve their financial goals while supporting community development initiatives. Our mission is not just about numbers; it's about people helping families secure homes, aiding individuals in reaching their dreams, and contributing positively to our local economy. We are dedicated to ensuring that every member feels valued and supported. This commitment extends beyond traditional banking; we actively engage in community outreach programs aimed at enhancing the quality of life for those we serve. As technology advances, so do we. Our services include online banking and mobile payments to make managing finances easier than ever while ensuring ADA compliance for accessibility.

Branch Location & Accessibility

Convenient Access and Amenities

Our branch features ample parking and is designed with accessibility in mind. With ADA-compliant ramps and easy entry points, we strive to make banking comfortable for everyone. If you're on the go, you'll appreciate our drive-thru service, perfect for quick transactions without leaving your vehicle. Plus, we offer ATM services right at our location for added convenience.

Friendly Operating Hours

We are open Monday through Friday from 8:30 AM to 5:30 PM, providing plenty of opportunities for you to visit us during the week. Our friendly staff is always ready to assist you with a range of services including personal banking, auto loans, mortgage options, and more.

Get in Touch!

If you have any questions or would like more information about our services, don't hesitate to give us a call at 704-549-5822. We're here to help! While members can visit us at 8605 University City Blvd for all their banking needs, please note that official correspondence should be sent to our mailing address at 8605 UNIVERSITY CITY BLVD, CHARLOTTE, NC 28213. We invite you to stop by today and experience the friendly service that makes State Employees' branch a trusted choice for your financial journey!

Member Eligibility

Joining the State Employees' community is like finding a welcoming home where your financial needs are understood and prioritized. To become a member, you just need to meet a few simple criteria. If you live, work, or worship in the area, you're likely eligible! We embrace individuals from various backgrounds, so whether you're just starting out or looking to grow your financial journey, there's a place for you here. Plus, being part of State Employees' means gaining access to a wide range of benefits designed to support your financial well-being. Opening an account is straightforward and can be done online. For more details on eligibility and specific requirements, feel free to check out our resource at http://www.ncsecu.org/join#eligibility. If you're ready to take the next step, visit https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu to start your membership today! Should you have any questions, don't hesitate to reach out at (704) 549-5822. We look forward to welcoming you to our community at 8605 University City Blvd Charlotte Nc 28213!

Business Banking & Commercial Services

Practical Merchant Services

Imagine running your business without worrying about payment processing headaches. Our merchant services are here to simplify transactions, allowing you to focus on what matters most growing your business. With secure payment options and easy integration into your existing systems, you'll have the tools you need to serve your customers better. Located at 8605 University City Blvd Charlotte Nc 28213 in Charlotte, NC, we are dedicated to being a partner in your business journey. For more information or to get started, give us a call at (704) 549-5822. Let's work together to turn your vision into reality!

Tailored 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.

Comprehensive List Of Services

Business Banking Support

For our business members, we understand the importance of reliable banking solutions. Our business banking services include merchant services and business loans that can help fuel growth and innovation. We are committed to supporting local businesses in Charlotte and beyond.

Convenient Access Anytime

Accessibility is key in today's banking landscape. That's why we offer online and mobile banking platforms that allow you to manage your accounts anytime and anywhere. Plus, with ATM access available for quick withdrawals and balance checks, handling your finances has never been easier.

Home Ownership Assistance

Owning a home is a significant milestone, and we want to make it achievable for you. Our mortgage loans come with various options tailored to fit different financial situations, including refinancing opportunities that can save you money over time. Picture yourself moving into your dream home, knowing you made a wise financial decision with our support.

Personal Banking Solutions

In today's fast-paced world, managing finances should be straightforward. That's why we provide personal banking options, including checking and savings accounts designed for everyday needs. Imagine easily accessing your funds through online banking or our mobile app, allowing you to check balances and make transfers right from your phone. With features like e-statements and mobile payments, banking with us means convenience is always at your fingertips.

Personal Loans for Life's Needs

Life can throw unexpected expenses your way, which is where our personal loans come into play. Whether it's debt consolidation or funding a big purchase, we offer straightforward solutions that help you manage those costs without added stress.

Personalized Service at Your Convenience

Our branch offers basic drive-thru banking for deposits, withdrawals, and simple transactions, ensuring you can complete your banking errands without leaving your car perfect for those busy days when time is tight. At State Employees', we're dedicated to providing quality service that meets all your financial needs. To learn more about what we offer or if you're ready to open an account today, give us a call at (704) 549-5822 or visit us online at Charlotte - University City Blvd. Join us on this journey toward achieving your financial goals!

Rewarding Credit Card Options

For those looking to earn rewards while they spend, our credit cards provide an excellent opportunity. With cashback and rewards programs available, every purchase brings you closer to something special.

Vehicle Financing Made Easy

Thinking about purchasing a new car? Our auto loans offer competitive rates and flexible terms that can fit any budget. Whether you're eyeing a brand-new model or need financing for a used vehicle, we're here to guide you through the process smoothly.

Digital & Online Banking

Accessibility

Need to send money to a friend? While person-to-person transfers aren't currently offered, our other services provide plenty of options for managing your accounts effectively. And if you ever have any questions or need assistance, our friendly team is just a phone call away at (704) 549-5822. In short, State Employees' brings you everything you need for efficient online banking right at your fingertips. Enjoy real-time account management with peace of mind knowing that you're backed by a trusted financial institution dedicated to serving you. Explore more about our digital services today at https://www.ncsecu.org/!

Key Features

Our online banking platform is user-friendly and packed with features that simplify your financial management. You can easily view your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with e-statements available, you'll receive your account statements electronically, making it easy to keep track of your finances without the clutter of paper. Security is always a top priority for us. Our electronic signature authorization ensures that your transactions are safe and secure. You can feel confident knowing that we take the necessary steps to protect your information. For those who prefer mobile banking, our mobile application offers an array of features including mobile payments, allowing you to make quick and easy purchases right from your phone. Whether you're grabbing coffee or shopping for groceries, our app makes it simple to manage your money on the fly.

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. We strive to provide a solid foundation for your financial future while offering services that truly benefit you. 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 commitment to lending is reflected in our $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is evident with a net income of $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, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $574,556,810 show our capability to support your borrowing needs. The total number of share accounts stands at 5,850,875, reflecting 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 8605 University City Blvd Charlotte Nc 28213 or call (704) 549-5822 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

Additional Options

For those considering other financing needs, our credit lines are robust, amounting to $18,909,000,000, giving you access to funds when you need them most. If you're interested in refinancing any of your current loans or checking eligibility for one of our products, please reach out to us at (704) 549-5822. Our dedicated team is ready to help you find the best solution tailored just for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today and discover how we can support your financial journey!

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 rates to make your car-buying experience as smooth as possible.

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. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to assist you through every step of the process.

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. This option provides the freedom to handle everyday expenses without worrying about high-interest rates.

Loan Aggregator

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State Employees

Type of Loan Offerings

Home Equity Loans

Personal Loans