State Employees' Credit Union Clyde NC: Affordable Auto Loans & Personal Banking

Introduction

Welcome to State Employees' Credit Union in beautiful Clyde, NC! Located at 24 Credit Union Way, we are proud to serve our community and support the financial well-being of our members. Established in 1937, our commitment to providing exceptional service has helped us grow to a membership base of over 2.8 million individuals who trust us with their financial needs. At State Employees' Credit Union, we understand that your financial journey is unique. That's why we offer a wide range of services, including personal banking, auto loans, mortgages, credit cards, and business banking solutions. With total assets exceeding $57 billion and total deposits amounting to $7.87 billion, we have the stability and resources to help you achieve your financial goals. Our team, led by CEO Leigh Brady and Board President Mona Moon, is dedicated to ensuring that every member feels valued and supported. With a strong net worth of $5.45 billion and cash in hand totaling $708 million, we are well-equipped to meet your needs. While members can visit us at our Clyde branch for all your banking needs, official correspondence should be sent to the same address: 24 CREDIT UNION WAY, CLYDE, NC 28721. Whether you're stopping by for a quick transaction or seeking guidance on your next big investment, our friendly staff is here to assist you from 8:30 AM to 5:30 PM on weekdays. Join us today and become part of a community-focused organization that puts its members first! For more information about our services or to become a member, please visit our website at ncsecu.org or give us a call at 828-452-3570. Your journey towards better financial health starts here!

Branch History & Mission

At State Employees' Credit Union, we take pride in our rich history and commitment to serving the community of Clyde, NC. Founded in 1937, our branch has grown from humble beginnings into a pillar of support for our members, now boasting a membership of over 2.8 million individuals across North Carolina. Our journey reflects not only our evolution but also our dedication to providing accessible financial services tailored to meet the needs of our diverse community. Located at 24 Credit Union Way, Clyde, NC 28721, our branch is easily accessible and conveniently situated near local landmarks that foster community engagement. While members can visit us at this address, official correspondence should be sent to 24 CREDIT UNION WAY, CLYDE, NC 28721 if necessary. Our mission is straightforward yet impactful: to enhance the financial well-being of our members while contributing positively to the communities we serve. We believe that everyone deserves reliable financial services that empower them to achieve their goals. From personal banking solutions like checking and savings accounts to essential auto loans and mortgages, we aim to provide a comprehensive suite of products that cater to all aspects of life. Over the years, we have expanded our services to include online and mobile banking options, allowing members to manage their finances with ease from anywhere. Our commitment extends beyond just banking; we actively engage in community outreach initiatives and partnerships that strengthen our local neighborhoods. As technology advances, we ensure that our facilities remain ADA compliant and user-friendly for all members. The availability of ATMs and drive-thru banking at our location makes transactions quick and convenient. We are here for you during regular operating hours from 8:30 AM to 5:30 PM, Monday through Friday. Our financial strength is reflected in our total assets amounting to an impressive $57.2 billion. This solid foundation enables us to offer competitive rates on loans while maintaining exceptional service quality. Join us at State Employees' Credit Union, where your financial aspirations become reality. Experience firsthand the benefits of being part of a member-focused institution dedicated to your success. Reach out today at 828-452-3570 or visit us online at ncsecu.org for more information on how you can become part of our growing family!

Branch Location & Accessibility

Come Visit Us!

We invite you to come by our Clyde branch today. Experience firsthand the friendly service and community-focused banking that State Employees' offers. Your financial well-being is our priority!

Easy Access and Amenities

Finding us is simple, and we offer ample parking to ensure that your visit is hassle-free. Our branch is fully ADA compliant, featuring ramps and accessible entrances so everyone can enjoy our services without barriers. Whether you're stopping by for a quick transaction or need assistance with one of our many financial products, you'll find our staff ready to help.

Operating Hours and Services

Our lobby hours are from 8:30 AM to 5:30 PM, Monday through Friday. We also have a drive-thru service for those who prefer convenience while on the go. Need cash? We've got you covered with an ATM available right at our location. At State Employees', we offer a wide range of services from personal banking options like checking and savings accounts to loans for vehicles and mortgages. While members can visit us at 24 Credit Union Way, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to call us at 828-452-3570.

Member Eligibility

At State Employees', we believe that becoming a member means joining a warm and welcoming community where your financial well-being is our top priority. To be eligible for membership, you simply need to be a state employee or an immediate family member of someone who is. This connection opens the door for you to access a variety of services designed with your needs in mind, from savings accounts to loans and more. We pride ourselves on offering competitive rates and personalized service that truly makes a difference in your financial journey. If you're ready to take the next step, opening an account is quick and easy! Just visit us at 24 Credit Union Way Clyde Nc 28721 or give us a call at (828) 452-3570 for any questions you might have. For further details on eligibility criteria, feel free to check out our dedicated page at http://www.ncsecu.org/join#eligibility. We look forward to welcoming you into our State Employees' family!

Business Banking & Commercial Services

Merchant Services

In addition to loans, our merchant services can simplify payment processing for your business. Whether you're a retail store or a service provider, our solutions make transactions easy for you and your customers. This means more time focusing on what matters most growing your business. Stop by our branch located at 24 Credit Union Way Clyde Nc 28721 in Clyde, NC, or give us a call at (828) 452-3570 to explore how we can support your business goals today!

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

Accessible Cash Withdrawal Options

We understand the need for quick access to cash. Our branch provides ATM and cash withdrawal services, ensuring that you can get the cash you need whenever you need it. Plus, with basic drive-thru banking options for simple transactions like deposits and withdrawals, we're here to make your banking experience straightforward and hassle-free. At State Employees', we pride ourselves on being more than just a financial institution; we are your partners in achieving financial wellness. Visit us at our Clyde branch or explore our services online at ncsecu.org. We're excited to assist you!

Business Banking Services

For our business members, we provide essential resources such as merchant services and business loans. These services are designed to support local businesses in their growth and operational needs.

Digital Banking Convenience

In today's fast-paced world, we know convenience matters. That's why we offer robust online and mobile banking solutions. With features like mobile payments and e-statements, managing your finances has never been easier. You can check balances, make transfers, and pay bills all from the comfort of your home or on the go.

Personal Banking Solutions

Whether you're opening your first checking account or planning for retirement, our personal banking services are designed with you in mind. We offer various checking and savings accounts that help you manage your money effectively. If you're considering buying a new car or refinancing your existing auto loan, our auto loans and vehicle financing options come with competitive rates tailored to fit your budget. For those looking to invest in a home, we provide comprehensive mortgage loans and refinancing services to guide you through the process seamlessly. Additionally, if debt is weighing you down, our personal loans and debt consolidation options can help lighten that load.

Rewarding Credit Card Choices

We also recognize the importance of having a credit card that offers benefits. That's why we offer credit cards with rewards, allowing you to earn while you spend on everyday purchases.

Digital & Online Banking

Key Features

Our mobile application makes banking even more convenient. You can deposit checks from anywhere using your smartphone, manage your accounts with just a few taps, and stay updated with real-time notifications about your transactions. Plus, our e-statements ensure that you have secure access to your statements without the clutter of paper. Worried about security? Rest easy knowing that we offer electronic signature authorization, making signing documents safe and straightforward. Our mobile payments feature also allows you to make purchases easily and securely, eliminating the need for cash or physical cards. While we currently do not support person-to-person transfers, you can still enjoy the benefits of quick fund transfers within your accounts. This means less time worrying about moving money around and more time enjoying what matters most to you. In summary, whether you're accessing our services through our website or mobile app, State Employees' is committed to providing a user-friendly experience that prioritizes both convenience and security. Join us today and discover how easy managing your finances can be!

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 are proud to share our strong financial position, built over years of dedicated service to our community. 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 9.71% 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 is robust with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting members' financial goals across various sectors. Our $2,145,244 reflects our operational efficiency, 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. With net shares available for lending and investments totaling $574,556,810, we have the flexibility to meet your needs. The trust our members place in us is evident through our growing community of 5,850,875 total share accounts. This demonstrates the strong bond we've built with those we serve. 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 24 Credit Union Way Clyde Nc 28721 or call (828) 452-3570 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 financing options that can fit your budget and lifestyle. Plus, if you're considering refinancing your current auto loan, our team is here to discuss eligibility options that might save you money.

Credit Card Loans

Managing finances can sometimes be challenging. 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. Our credit cards come with rewards and benefits designed to suit your needs.

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 strive to make the process as smooth as possible, helping you secure the best possible rates and terms.

Personal & Business Loans

In addition to auto and mortgage options, our personal loan offerings allow for debt consolidation or covering unexpected expenses without hassle. For business owners, while we currently do not have outstanding commercial loans available, we encourage you to reach out to learn about potential future offerings. For more information about our loan products or to see how we can help you meet your financial goals, feel free to contact us at (828) 452-3570 or visit us at our branch located at 24 Credit Union Way Clyde Nc 28721 in Clyde, 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. Let us partner with you on your financial journey!

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STATE EMPLOYEES' CREDIT UNION - Clyde, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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