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

Introduction

Welcome to State Employees' Credit Union, your trusted partner for financial services in the heart of Charlotte, NC. Located at 10120 Couloak Dr, our branch has proudly served the community since 1937. With a strong commitment to our members, we have grown to support over 2.8 million members and manage assets exceeding $57 billion. At State Employees', we understand that managing finances can be challenging. That's why we offer a range of services designed to meet your personal and business banking needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we have solutions tailored just for you. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, is here to provide you with exceptional service. We believe in transparency and community engagement, ensuring that every decision we make is in the best interest of our members. With total deposits around $7.87 billion and a net worth of approximately $5.45 billion, you can trust that your money is secure with us. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to 10120 COULOAK DR, CHARLOTTE, NC 28216. Join us as we continue to make a positive impact on the lives of our members and the community at large. Ready to explore what we have to offer? Feel free to call us at 704-392-0438, or visit our website at ncsecu.org for more information on how we can assist you today!

Branch History & Mission

Community Impact

State Employees' Credit Union is more than just a financial institution; we are a partner in the community. We actively participate in outreach efforts aimed at supporting local initiatives and charities. By investing in our communities, we create lasting relationships that go beyond banking. While members can visit us at 10120 Couloak Dr Charlotte Nc 28216, official correspondence should be sent to 10120 COULOAK DR, CHARLOTTE, NC 28216 for your convenience. Our branch operates Monday through Friday from 8:30 AM to 5:30 PM, making it easy for you to stop by or give us a call at (704) 392-0438 with any questions you may have.

Join Us Today

We invite you to become part of our rich legacy at State Employees' Credit Union. Experience firsthand how we put our members first and strive for excellence in service. Together, let's build a brighter financial future! Explore your membership options today at our website or visit us in person!

Our Mission

Our mission is simple yet profound: to improve the financial lives of our members while strengthening our communities. We believe that everyone deserves access to quality financial services that empower them to achieve their goals. This commitment is reflected in our wide range of offerings, including personal banking, auto loans, mortgages, credit cards with rewards, and business banking services. As we have evolved over the years, we have embraced technology to enhance the member experience. With online and mobile banking options available, members can manage their accounts anytime and anywhere. Our drive-thru service and ATM availability ensure convenience for those who prefer face-to-face interactions or quick transactions on the go.

Branch Location & Accessibility

Banking Made Easy

Our lobby hours are Monday through Friday from 8:30 AM to 5:30 PM, perfect for those busy weekdays when you need to manage your finances. Need cash or want to make a quick deposit? We also offer drive-thru banking and ATM access for your convenience. You can count on us for personal banking solutions like checking and savings accounts, auto loans, mortgages, and more all designed to help you achieve your financial goals. While members can visit us at 10120 Couloak Dr, official correspondence should be sent to the same address for clarity. If you have any questions or would like more information about our services, don't hesitate to give us a call at 704-392-0438. We invite you to come by and see how we can assist you today!

Convenient Access

Finding us is easy! We're close to local landmarks that many residents know well, making it simple to stop by during your day. You'll find ample parking available right outside our doors, with accessibility features including ramps to ensure everyone can visit us comfortably. Our branch is designed with you in mind, so whether you come on foot or drive through, we aim to provide an inviting experience.

Member Eligibility

At State Employees', we believe that everyone deserves a supportive financial community. Becoming a member is easy and welcoming! If you're a state employee, a family member of one, or someone who resides in our vibrant community, you're likely eligible to join us. Membership comes with many perks, including competitive rates on loans and savings, personalized service, and access to a variety of financial products tailored just for you. To see the full details on eligibility, we invite you to check out our resource at http://www.ncsecu.org/join#eligibility . Once you find out you're eligible, opening your account is straightforward. You can start the process online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu , or if you prefer a more personal touch, feel free to give us a call at (704) 392-0438. Our friendly team is here to help guide you every step of the way. Join us at State Employees' located at 10120 Couloak Dr Charlotte Nc 28216, and let's build your financial future together!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine being able to accept payments effortlessly while focusing on what you do best running your business. Our merchant services make transactions smooth and secure, allowing you to enhance customer satisfaction and streamline operations. From point-of-sale solutions to online payment processing, we provide tools that fit your needs. Located at 10120 Couloak Dr Charlotte Nc 28216 in Charlotte, NC, we're here to empower your business with the financial resources it deserves. Reach out today at (704) 392-0438 to learn more about how we can help you thrive!

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

ATM & Cash Withdrawal Services

Need cash on-the-go? Our ATM network allows easy access for withdrawals and balance checks without any hassle. With drive-thru banking available for simple transactions like deposits and withdrawals, we've made banking easier than ever. At State Employees', we believe in empowering our members through accessible financial solutions tailored just for them. If you're ready to take charge of your financial future or have questions about any of these services, don't hesitate to reach out! Give us a call at (704) 392-0438 or visit us at 10120 Couloak Dr Charlotte Nc 28216. Join us today and experience how we can help you achieve your financial goals!

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing options come with competitive rates that can help make your dream car a reality. Picture yourself driving off in a new ride with flexible repayment terms tailored to suit your budget.

Business Banking

Small business owners will find great value in our Business Banking services which include merchant services and business loans tailored to help grow your enterprise. We understand the unique challenges businesses face and are dedicated to being a resource for success.

Credit Cards with Rewards

Enjoy making purchases with our Credit Cards with Rewards program! Earn points or cash back on everyday spending while enjoying peace of mind knowing that our cards come with added security features.

Digital Banking Features

Our commitment to convenience extends into the digital realm with robust Online & Mobile Banking features. Manage your accounts anytime, anywhere via our app or website, whether it's making deposits, transferring funds, or accessing ATM locations near you.

Mortgage Loans & Refinancing

Homeownership is an important milestone for many. That's why we provide Mortgage Loans & Refinancing solutions. Whether you are buying your first home or looking to refinance your existing mortgage for better rates, our knowledgeable staff will guide you through the process.

Personal Banking

For individuals and families, we offer Personal Banking options including checking and savings accounts designed to fit your lifestyle. Imagine having easy access to your funds with our user-friendly online and mobile banking platforms. You can manage your accounts on-the-go, pay bills, and even deposit checks from the comfort of your home.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation options can provide the relief you need. We work closely with you to create a plan that fits your financial situation, helping you regain control over your finances.

Digital & Online Banking

Key Features

One of the standout features is our Electronic Signature Authorization, which simplifies the process of signing documents online. This means less time waiting and more time doing what matters to you. We also offer E-Statements, allowing you to receive your bank statements electronically. It's not only eco-friendly but also keeps your information secure and easily accessible whenever you need it. For those who prefer cashless transactions, our Mobile Payments feature lets you pay with just a tap using your smartphone. You can make purchases quickly and securely, eliminating the need to carry cash or cards. While we currently do not support Person-to-Person Transfers, we're continually looking for ways to enhance our offerings for you.

Security and Accessibility

Your security is our top priority. Our online banking services incorporate advanced security measures to protect your personal information while you enjoy seamless access to your accounts. With user-friendly navigation and real-time account management, staying on top of your finances has never been easier. In summary, State Employees' offers a comprehensive suite of digital banking tools designed for today's busy lifestyles. Experience the convenience of online banking by visiting us at https://www.ncsecu.org/ today!

Financial Strength

Investment in Your Future

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 capacity to lend is significant; we have $193,516 in used auto loans and a total of $34,904,944,116 in loans and leases supporting your financial goals across various sectors.

Operational Efficiency

Our net income of $0 reflects our operational efficiency during challenging times. This 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 and committed team.

Secured 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. We ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong 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.

Trusted Member Base

Total Share Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. With available funds for lending and investments totaling $574,556,810, we are well-positioned to support your needs now and into the future. 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 10120 Couloak Dr Charlotte Nc 28216 or call 704-392-0438 to learn more about how we can help you achieve your financial goals.

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 competitive terms and flexible repayment options to make your car-buying experience as smooth as possible.

Credit Lines and Refinancing Options

For those needing additional flexibility, our credit lines totaling $18,909,000,000 are available to help cover larger purchases or expenses that may arise. Additionally, if you're considering refinancing any existing loans, we encourage you to reach out for more information on eligibility options that could save you money. Our dedicated team at State Employees', located at 10120 Couloak Dr Charlotte Nc 28216, Charlotte, NC, is ready to assist you with all your lending needs. Feel free to call us at (704) 392-0438 during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you find the right loan solution for your unique situation!

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 your current mortgage, our team is here to guide you through every step.

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. These cards can help you handle unexpected expenses or allow for everyday purchases without the burden of high-interest rates.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you get honest comparisons without hidden agendas. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions that suit their financial situation. 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 kind of feedback highlights the effectiveness of LendMesh in assisting borrowers in making smart financial choices. Compare real-time loan offers today at LendMesh and find the best rates for your needs. 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.

STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans