State Employees' Credit Union Columbus NC: Low Mortgage Rates & Business Banking

Introduction

Welcome to State Employees' in Columbus, NC! Located at 74 Weaver St, our branch has been serving the community since 1937. With a strong commitment to our members, we proudly support over 2.8 million individuals who trust us with their financial needs. As a local credit union, we understand the importance of personalized service and community involvement. At State Employees', we offer a wide range of financial services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. Our total assets exceed an impressive $57.2 billion, demonstrating our stability and reliability in managing your finances. With $7.9 billion in total deposits, you can feel secure knowing your money is in good hands. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, consists of 8,258 employees who are here to assist you every step of the way. Whether you're looking to open an account or apply for a loan, our friendly staff is ready to help. While members can visit us at 74 Weaver St, official correspondence should be sent to PO BOX 335, COLUMBUS, NC 28722. We invite you to explore how we can help you achieve your financial goals. Feel free to reach out at 828-894-0557 during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM. For more information about our services, visit us online at ncsecu.org. Join us today and experience the benefits of being part of a member-focused credit union!

Branch History & Mission

A Rich Legacy

Located at 74 Weaver St, Columbus serves as a vital resource for our community. Our branch is not just a place for banking; it's a hub where people come together to achieve their financial goals. From our humble beginnings, we have steadily evolved to meet the changing needs of our members while maintaining a strong commitment to service and support. As we expanded our offerings over the decades, we embraced technology to enhance convenience for our members. Today, we provide robust online and mobile banking services that allow you to manage your finances anytime and anywhere. We are proud to offer ATM availability and drive-thru banking for those who prefer face-to-face interactions without leaving their cars.

Join Us

As we continue this journey together, we invite you to experience what makes State Employees' Credit Union special. Whether you're looking for your first savings account or seeking assistance with loans and mortgages, our friendly team is here to help you every step of the way. Visit us during our operating hours from Monday to Friday between 8:30 AM - 5:30 PM, or give us a call at 828-894-0557. Join us today and discover how State Employees' can support you in achieving your financial dreams!

Our Mission

At State Employees', our mission is simple yet powerful: We strive to empower individuals by providing accessible financial services tailored to their needs while fostering community growth. We believe that everyone deserves a chance at financial stability and success. That's why we focus on personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment extends beyond banking; we actively engage in outreach efforts that support local initiatives and foster partnerships within the community. Whether it's through educational programs or sponsorships of local events, we're dedicated to giving back because we understand that when our community thrives, we all benefit. While members can visit us at 74 Weaver St, official correspondence should be sent to PO BOX 335, Columbus, NC 28722 if necessary.

Branch Location & Accessibility

Welcome to the State Employees' branch located at 74 Weaver St, Columbus, NC! Nestled in the heart of Polk County, our convenient location makes it easy for you to access all your banking needs. Just a stone's throw away from local favorites like the Columbus Public Library and the vibrant downtown area, you'll find us ready to serve you. At State Employees', we understand that accessibility matters. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. Plus, we have ample parking available right outside, making it simple for you to pop in for any banking services you need. Our friendly team is here to help during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM. Whether you're looking to open a new account, apply for an auto loan, or simply ask questions about your finances, we're just a call away at 828-894-0557. For added convenience, we also offer ATM services and drive-thru banking for those quick transactions on the go. While members can visit us at our physical location for all their banking needs, official correspondence should be sent to PO BOX 335, Columbus, NC 28722. We invite you to stop by and discover all the personal banking services we provide from checking and savings accounts to mortgage loans and credit cards with rewards. Come see why so many in Columbus trust State Employees' as their financial partner!

Member Eligibility

Becoming a member of State Employees' feels like joining a family where your financial well-being is our top priority. If you're looking to be part of a supportive community, you're in the right place! To be eligible, you typically need to be a state employee or a family member of one, but we also welcome others who live or work in the area. It's all about building connections and helping each other thrive! For specific eligibility criteria and details, feel free to check out our website at http://www.ncsecu.org/join#eligibility. Joining is straightforward! You can open an account online through this link: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or if you prefer a personal touch, don't hesitate to call us at (828) 894-0557. We're located at 74 Weaver St Columbus Nc 28722, ready to assist you in any way we can. Welcome aboard we can't wait for you to experience the benefits of being part of State Employees'!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify daily operations for businesses. Picture this: your customers can pay easily with credit cards or mobile payments, enhancing their shopping experience while boosting your sales. These services not only streamline transactions but also improve cash flow management. Located conveniently at 74 Weaver St Columbus Nc 28722 in Columbus, NC, our team is ready to assist you with tailored financial solutions for your business. Contact us at (828) 894-0557 to explore how we can support your ambitions!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no outstanding commercial loans, we look forward to helping local entrepreneurs thrive in the future.

Comprehensive List Of Services

Business Banking Services

For those running their own businesses, we have tailored solutions in our business banking category. From merchant services that simplify transactions for your customers to business loans that support your growth initiatives, we've got the tools you need to succeed.

Conclusion

At State Employees', we strive to make banking accessible and straightforward for everyone in the community. Our goal is not just to serve but also empower our members towards better financial health. We invite you to explore all these services further by visiting us at our branch or reaching out via phone at (828) 894-0557. Together, let's achieve your financial goals!

Convenient Access Points

To enhance convenience, we offer easy access through our ATM services and basic drive-thru banking options for deposits and withdrawals. You won't have to worry about long lines when performing simple transactions; just swing by during our operating hours from Monday to Friday, 8:30 AM - 5:30 PM.

Credit Cards with Rewards

Don't forget about our credit cards with rewards! They offer great benefits for everyday purchases, allowing you to earn points that can be redeemed for travel, merchandise, or cash back making spending rewarding!

Financing Options

When it comes to financing, we offer competitive auto loans and vehicle financing that can help turn your dreams into reality. Whether you're purchasing a new car or refinancing an existing loan, our team will guide you through the process. In addition, we provide mortgage loans and refinancing options to assist you in buying a home or lowering your monthly payments. If you're dealing with unexpected expenses, our personal loans and debt consolidation services can ease your financial burden. You can consolidate multiple debts into one manageable payment with lower interest rates, making life a little less stressful.

Personal Banking Solutions

Our personal banking options include various checking and savings accounts tailored for individuals and families. Imagine being able to easily manage your daily expenses while also saving for that dream vacation or a new home. Our accounts come with features that make it simple to access your money anytime, anywhere through our user-friendly online and mobile banking platforms.

Digital & Online Banking

At State Employees', we understand that your time is valuable. That's why our digital and online banking services are designed to provide you with the convenience and security you need to manage your finances anytime, anywhere. Whether you're at home or on the go, we make banking easy for you. With our online banking platform, you can access your accounts 24/7, check balances, pay bills, and transfer funds with just a few clicks. Plus, we offer electronic signature authorization, making it simple to sign important documents securely without needing to visit a branch. We also provide e-statements, which means you can receive your account statements digitally. This not only helps you stay organized but also reduces paper clutter. If you're busy and prefer handling your transactions on your mobile device, our mobile application is at your service. It supports mobile payments, allowing you to make purchases directly from your phone no wallet needed! Managing money should be straightforward. That's why we offer person-to-person transfers although currently not available our other features ensure that your banking experience remains smooth and efficient. With all these tools at your disposal, keeping track of your financial life has never been easier. So whether you're checking in on your account balance or making payments while waiting in line, State Employees''s digital banking services are here to support you every step of the way. Embrace the ease of modern banking today!

Financial Strength

A Growing Community

Total Share Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $574,556,810. 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 74 Weaver St Columbus Nc 28722 or call (828) 894-0557 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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.

Operational Efficiency

Our operational efficiency is evident with a net income of $2,145,244, 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.

Reinvestment in Your Future

Our commitment to your financial wellbeing is further reflected in our $133,577,509 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Solid 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 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.

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. Whether you're considering a new model or a reliable used car, our loan options can make it easier for you.

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 product is perfect for those looking to consolidate debt or simply gain more purchasing power without the need for collateral.

Credit Lines

For those needing additional flexibility in managing expenses or funding unexpected costs, we provide access to credit lines totaling $18,909,000,000. This option allows you to borrow only what you need when you need it. If you're interested in refinancing any existing loans or checking your eligibility for our various loan products, please don't hesitate to reach out. You can contact us at (828) 894-0557, and our team will guide you through the process. 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're here to support your financial journey every step of the way!

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 provide flexible terms and competitive rates that can fit your budget and lifestyle.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION - Columbus, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in Columbus, NC (28722)