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Introduction
Welcome to State Employees', your trusted financial partner in Charlotte, NC! Located at 10820 S Tryon St, our branch has been serving the community since 1937. With a commitment to providing personalized banking solutions and building lasting relationships, we proudly support over 2.8 million members in achieving their financial goals. At State Employees', we understand that every member's needs are unique. Our extensive range of services includes everything from personal banking options like checking and savings accounts to auto loans, mortgage financing, and credit cards with rewards. We aim to empower you with the tools necessary for financial success, whether you're looking to buy your first home or consolidate debt. As a strong community player, we manage impressive assets totaling $57.2 billion, ensuring that your deposits currently amounting to $7.9 billion are secure and readily available when you need them. Our net worth stands at an impressive $5.4 billion, reflecting our stability and reliability as a financial institution. Under the leadership of our CEO, Leigh Brady, and Board President, Mona Moon, our dedicated team of 8,258 employees is here to provide top-notch service tailored to your individual needs. You can reach us at 704-504-8796 during our lobby hours from 8:30 AM to 5:30 PM on weekdays. While members can visit us at 10820 S Tryon St, official correspondence should be sent to the same address for your convenience. Explore our website at ncsecu.org for more information about membership eligibility and how we can help you take charge of your financial future. Join us today at State Employees', where we believe in making banking accessible and beneficial for everyone in our community!
Branch History & Mission
Community Commitment
At State Employees', we recognize the importance of giving back. We actively engage in community outreach programs and partnerships aimed at improving the lives of those around us. Our commitment extends beyond just providing financial services; it's about creating lasting relationships and supporting local initiatives that uplift our neighborhoods. For any official correspondence, please note that while you can visit us at 10820 S Tryon St, you may also reach out to us via mail at 10820 S TRYON ST, CHARLOTTE, NC 28273 if needed.
Join Us Today!
We invite you to experience the difference at State Employees'. Visit us during our operating hours from 8:30 AM to 5:30 PM Monday through Friday. Whether you're looking for a new bank account or exploring loan options, our friendly staff is here to help you every step of the way. Call us at 704-504-8796 or check out our website at ncsecu.org for more information about joining our family. Let's work together towards your financial success!
Our Journey
Since opening our doors, State Employees' has been dedicated to empowering individuals and families through financial education and access to affordable banking solutions. Over the decades, we've seen significant milestones, including the expansion of services and technological advancements that enhance member experience. Today, we offer a wide range of financial products, including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our mission is clear: to improve the financial well-being of our members while fostering community growth. We believe in making banking accessible and straightforward, whether it's through convenient online banking options or in-person services at our branch. Additionally, we pride ourselves on being ADA compliant and offering features like mobile payments for a seamless banking experience.
Branch Location & Accessibility
Accessibility Features
When you visit us, you'll find plenty of parking available, making your trip stress-free. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to ensure everyone can easily get the help they need.
Operating Hours
Our friendly team is here to serve you Monday through Friday from 8:30 AM to 5:30 PM. Whether you're stopping by for a quick deposit or need assistance with a loan application, we're ready to help during these hours.
Services Offered
At State Employees', we offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we strive to provide solutions that fit your lifestyle. Plus, our drive-thru service allows you to handle simple transactions without ever leaving your car! While members can visit us at 10820 S Tryon St Charlotte Nc 28273, official correspondence should be sent to our mailing address at 10820 S TRYON ST, CHARLOTTE, NC 28273. If you have any questions or would like to learn more about what we offer, feel free to give us a call at 704-504-8796. We invite you to come see us soon and experience the friendly service that sets State Employees' apart!
Member Eligibility
Becoming a member of State Employees' feels like joining a family that truly cares about your financial well-being. If you live, work, or worship in the area, or if you are a state employee, you're likely eligible to join us! We believe that everyone deserves access to quality financial services and a supportive community. For detailed eligibility criteria, feel free to explore more at http://www.ncsecu.org/join#eligibility. Joining is simple and straightforward! Once you confirm your eligibility, you can open an account online or visit us in person at our branch located at 10820 S Tryon St Charlotte Nc 28273. Our friendly team is here to assist you with every step of the process. If you have any questions or need guidance, don't hesitate to reach out at (704) 504-8796. We're excited to welcome you into our community at State Employees'!
Business Banking & Commercial Services
Commercial 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
Imagine being able to accept payments easily while managing your cash flow effortlessly. Our merchant services allow you to do just that, providing secure payment processing solutions that help streamline your operations. Whether you're a small retail shop or a growing service provider, our tools can help you stay ahead. Located at 10820 S Tryon St Charlotte Nc 28273 in Charlotte, NC, our team is here to assist you every step of the way. Contact us at (704) 504-8796 or visit us online at https://www.ncsecu.org/ to learn more about how we can support your business goals!
Comprehensive List Of Services
Business Banking Services
For our members who own businesses, we have you covered with comprehensive business banking services. From merchant services that simplify payment processing to various types of business loans, we aim to support your growth and success in every way possible.
Community Focus
At State Employees', we believe in building strong relationships within our community. We strive to provide services that not only cater to individual needs but also enhance the overall wellbeing of our members. Whether it's through personalized support or engaging community initiatives, we're here for you every step of the way. If you have any questions or need assistance with any of our services, please feel free to reach out at (704) 504-8796 during our operating hours from 8:30 AM to 5:30 PM on weekdays.
Digital Banking Features
In today's fast-paced world, convenience matters. That's why we emphasize our robust digital banking features. With online and mobile banking, managing your finances has never been easier. You can check balances, transfer funds, and even pay bills right from your smartphone or computer. Our services include easy access through ATMs for quick withdrawals and balance checks, alongside basic drive-thru banking for deposits and simple transactions.
Get Started Today!
Ready to take control of your finances? Visit us at 10820 S Tryon St Charlotte Nc 28273 or explore more about what we offer at our website. Join us as a member today and experience the difference that personalized service can make in achieving your financial goals!
Personal Banking Solutions
We understand that everyone's financial journey is unique. That's why we offer a variety of personal banking options, including checking and savings accounts designed to help you manage your money effectively. If you're looking to finance a new car or need assistance with purchasing a vehicle, our auto loans and vehicle financing options can make that dream a reality. For larger investments like buying a home, we provide mortgage loans and refinancing solutions tailored to fit your budget. If you find yourself needing extra funds for unexpected expenses or consolidating debt, our personal loans can be a great solution. Plus, don't forget about our credit cards with rewards a smart way to earn points on everyday purchases while enjoying the convenience of cashless transactions.
Digital & Online Banking
Key Services
Our online banking platform is available 24/7, allowing you to check balances, transfer funds, and pay bills without leaving the comfort of your home. You can explore all our offerings at https://www.ncsecu.org/. Whether you're on a computer or using our mobile application, managing your money has never been simpler. Security is a top priority for us. With electronic signature authorization available, signing documents online is both safe and efficient. Plus, you'll have the option to receive e-statements, which not only helps you stay organized but also reduces paper waste.
Mobile Features
If you prefer to handle your banking on the go, our mobile application provides features such as mobile payments, making it easy to pay at stores directly from your device. Although person-to-person transfers aren't currently offered, the app ensures that everything else is smooth and user-friendly. We believe that banking should fit into your lifestyle seamlessly. That's why we've made it easy for you to manage your accounts in real-time from wherever you are. So whether you're at home or out running errands, State Employees' keeps you connected to your finances without any hassle. Experience the ease of digital banking today!
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. The strength of our financial position reflects our commitment to providing reliable services and a safe banking experience. 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 operational efficiency is reflected in our $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. Total Share and Deposit 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 10820 S Tryon St Charlotte Nc 28273 or call (704) 504-8796 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 and competitive rates to ensure you can drive away satisfied.
Credit Lines
If you need quick access to cash for any unforeseen expenses, our credit lines totaling $18,909,000,000 are an excellent option. This allows you to borrow only what you need when you need it, giving you peace of mind. At State Employees', we're committed to making financing accessible and straightforward for all our members. If you're interested in refinancing or want to learn more about eligibility options, feel free to reach out. For more information about our loan offerings or to speak with one of our knowledgeable representatives, call us at (704) 504-8796 or visit us at 10820 S Tryon St Charlotte Nc 28273, 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.
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 purchasing your first home or refinancing an existing mortgage, our team is here to guide you through every step of the process.
Unsecured Credit Card Loans
Managing finances can be challenging at times. That's why 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. Enjoy the freedom of making purchases without tying up your cash flow.
Loan Aggregator
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