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

Introduction

Welcome to State Employees' Credit Union, where our commitment to serving our members and the community is at the heart of everything we do. Located at 60 Raiford Dr NW, Concord, NC 28027, our branch has been a trusted financial partner since 1937. With a strong foundation built on integrity and transparency, we are proud to serve over 2,847,943 members, offering a wide range of financial products and services designed to meet your needs. At State Employees', we understand that your financial goals are important. That's why we manage an impressive $57,229,286,839 in total assets and maintain a solid net worth of $5,446,832,560. Our dedication to fostering financial wellness is reflected in our diverse offerings whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages. Our experienced team of 8,258 employees, led by CEO Leigh Brady and Board President Mona Moon, is here to guide you every step of the way. We believe in creating lasting relationships with our members and providing personalized service that makes banking easier and more accessible. While you can visit us at our Concord location for all your banking needs, official correspondence should be sent to 60 RAIFORD DR NW, CONCORD, NC 28027. We invite you to explore how we can help you achieve your financial dreams. Feel free to reach out to us at 704-788-3444 or visit our website at ncsecu.org for more information. Together, let's build a brighter financial future!

Branch History & Mission

At State Employees', we are proud to share a rich history that dates back to 1937. Since our founding, we have remained dedicated to serving the financial needs of our members in Concord, NC, and beyond. Our branch, located at 60 Raiford Dr NW, has grown alongside our community, evolving from a small credit union into a trusted financial institution with a total membership of over 2.8 million. This growth reflects our commitment to providing accessible and reliable financial services. Our mission is straightforward yet powerful: to improve the lives of our members and strengthen our communities. We do this by offering a wide range of services including personal banking accounts, auto loans, mortgages, and credit cards with rewards. We believe in empowering our members through financial education and support, helping them achieve their goals whether it's buying a new car or saving for a home. While you can visit us at our branch for face-to-face assistance during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM, we also understand the importance of convenience in today's fast-paced world. That's why we offer online and mobile banking options that allow you to manage your finances on your own terms. Additionally, we have an ATM on-site and drive-thru banking available for quick transactions. Our headquarters in Raleigh, NC serves as the heart of our operations, ensuring that we maintain high standards and continuously innovate to meet member needs. With total assets exceeding $57 billion, we are well-positioned to support our members financially while maintaining stability and security. As part of our commitment to community outreach, we actively engage in partnerships with local organizations and initiatives that uplift those around us. By investing in community programs and supporting local events, we aim to make a positive impact beyond just financial transactions. If you're looking for a credit union that values its members and prioritizes community welfare, we invite you to join State Employees'. Experience firsthand the benefits of being part of a cooperative that truly cares about your financial journey. For more information or to open an account online, visit us at ncsecu.org or call us at 704-788-3444. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access and Services

At our Concord location, we prioritize making your banking experience smooth and accessible. Our branch features ample parking and is ADA-compliant, ensuring that everyone can visit us comfortably. Whether you prefer to step inside or take advantage of our drive-thru services for quick transactions, we've got you covered. We understand that life gets busy, which is why our lobby hours are designed for your convenience. We're open Monday through Friday from 8:30 AM to 5:30 PM, so you can stop by at a time that works best for you. Plus, we have an ATM available on-site for those moments when you need cash quickly without stepping inside.

Stay Connected with Us

For any inquiries or assistance, feel free to reach out by calling us at 704-788-3444. While members can visit us at our branch address, official correspondence should be sent to the same location: 60 Raiford Dr NW, Concord, NC 28027. Whether you're looking for personal banking options like checking and savings accounts or need help with auto loans and mortgages, our friendly staff is here to assist you every step of the way. We invite you to visit us soon and experience the State Employees' difference!

Member Eligibility

Becoming a member of State Employees' is like joining a caring community where your financial well-being is the top priority. If you live, work, or worship in Cabarrus County or are a family member of an existing member, you can easily qualify for membership. At State Employees', we believe everyone deserves access to affordable financial services and supportive guidance tailored just for you. To get started, simply check out our eligibility criteria at http://www.ncsecu.org/join#eligibility for more details. Opening an account is a breeze just visit us at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (704) 788-3444 if you have any questions. We're here to help you every step of the way! Join us at our branch located at 60 Raiford Dr Nw Concord Nc 28027, and experience the benefits of being part of our friendly credit union family.

Business Banking & Commercial Services

Business Loans That Empower Growth

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 That Make Transactions Easy

Imagine running your business without worrying about payment processing. Our merchant services streamline transactions, allowing you to focus on what matters most growing your business. From card processing to online payments, we provide tools that fit seamlessly into your operations. This means more time serving your customers and less time managing transactions. Visit us at 60 Raiford Dr Nw Concord Nc 28027 in Concord, NC, or call us at (704) 788-3444 to discover how our business banking and commercial services can help you thrive!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash? Our ATM services allow quick access to withdrawals and balance checks whenever you need them. Additionally, our drive-thru banking offers basic services like deposits and withdrawals without leaving your car perfect for those busy days when time is short. At State Employees', we strive to create an inclusive environment where every member feels valued and supported in their financial endeavors. If you're ready to explore how we can assist you further, don't hesitate to reach out at 704-788-3444, or visit us at our Concord branch! Let us help you take the next step towards achieving your financial goals today!

Digital Banking Convenience

In today's fast-paced world, having control over your finances at your fingertips is essential. That's why we have invested in top-notch online and mobile banking features. With these tools, you can check balances, pay bills, transfer funds, and even deposit checks right from your smartphone or computer making banking not just easy but also convenient.

Loans and Credit Solutions

We also provide various personal loans including options for debt consolidation. This means if you're juggling multiple debts, we can help streamline those payments into one manageable loan. Plus, with our credit cards featuring rewards, you can earn points on everyday purchases that can lead to exciting benefits. For our business-minded members, we offer robust business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your entrepreneurial dreams.

Personal Banking

Our personal banking services are tailored for individuals and families alike. We offer checking and savings accounts that help you manage your day-to-day finances while saving for future goals. Imagine easily tracking your spending or watching your savings grow with competitive interest rates! When it comes to purchasing a vehicle or refinancing an existing loan, our auto loans and vehicle financing options are designed with you in mind. We understand that buying a car can be overwhelming, so we simplify the process to get you on the road faster. If you're considering buying a home, our mortgage loans and refinancing services can guide you through every step. We aim to make homeownership more accessible and affordable for everyone.

Digital & Online Banking

Convenient Online Banking

Our online banking services at https://www.ncsecu.org/ provide you with 24/7 access to your accounts. Whether you need to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Plus, with our electronic signature authorization feature, signing important documents has never been simpler or safer.

Go Green with E-Statements

Say goodbye to paper clutter! With our e-statements feature, you can receive your account statements electronically. This not only helps the environment but also allows for easier tracking of your financial activity from any device.

Mobile Banking at Your Fingertips

Enjoy the convenience of managing your finances on the go with our mobile application. Available for download, this app allows you to perform transactions, deposit checks using your smartphone camera, and even set up mobile payments for quick and easy purchases.

Quick Transfers Made Simple

Need to send money to a friend? Our person-to-person transfer feature makes it easy to split bills or share expenses without any hassle. Just a few taps on your phone or computer and you're done!

Security You Can Trust

We prioritize the security of your information. Our systems are built with top-notch security measures to keep your data safe while you enjoy all these features. Whether you're logging in from home or on the go, rest assured that your finances are protected. With all these digital banking options at State Employees', managing your money has never been more accessible or straightforward. Join us today and experience the ease of modern banking!

Financial Strength

Building Trust Together

Total Share Accounts stand at 5,850,875, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $574,556,810, reinforcing our ability to meet your needs effectively. 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 60 Raiford Dr Nw Concord Nc 28027 or call (704) 788-3444 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.

Committed to Growth & Innovation

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. Additionally, our ability to support your financial goals is reflected in our lending capacity boasting $193,516 in used auto loans and $34,904,944,116 in total loans and leases.

Member Savings & Investment Security

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 commitment to efficiency is evident in our $2,145,244, which reflects our operational success. This allows us to continue offering competitive loan rates and solid financial products for all 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.

Our Financial Position

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

Additional Options

In addition to these primary loan products, we also offer various refinancing options and eligibility assistance to help you navigate your financial journey. If you're unsure about what loan is right for you or how to qualify for our services, don't hesitate to reach out. For more information about our loan offerings or to discuss your specific needs with one of our knowledgeable representatives at our Concord branch located at 60 Raiford Dr Nw Concord Nc 28027, please give us a call at 704-788-3444. We're here 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.

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 brand-new model or a reliable used vehicle, our financing solutions can make it easier for you to drive away with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, helping you take that important step towards owning your home. Our experienced team is ready to assist you through every stage of the mortgage process.

Unsecured Credit Card Loans

Managing everyday expenses can 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 features designed to fit your lifestyle while providing financial relief when needed.

Loan Aggregator

Ensuring Accurate Comparisons

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STATE EMPLOYEES' CREDIT UNION - Concord, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in Concord, NC (28027)