Nc State Employee Credit Union

Located in the heart of Concord, the State Employees' Credit Union branch at 5130 Poplar Tent Rd is your go-to community partner for trusted financial solutions. Whether you're looking to take advantage of some of the best auto loans with flexible vehicle financing or simplify your personal banking through convenient checking and savings accounts, this branch offers friendly, expert service tailored to meet your unique needs. Open Monday through Friday from 8:30 AM to 5:30 PM, it’s easy to stop by for personalized support designed around your schedule.
Serving nearly 2.85 million members statewide with assets exceeding $57 billion, this Concord location also excels in competitive mortgage loans and refinancing options crafted to make homeownership more attainable. Business owners can benefit from merchant services and business loans designed to help their ventures thrive. With convenient drive-thru banking and ATM access for quick deposits, withdrawals, and balance checks—plus secure online and mobile banking platforms—you have multiple ways to manage your finances anytime.
Visit the State Employees’ Credit Union branch at 5130 Poplar Tent Rd or call 704-788-4174 today to experience welcoming, community-focused service. Discover how our signature auto loans and mortgage programs can help you confidently accelerate toward your financial goals!

Type of Loan Offerings

mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10-Year Fixed Rate
5.3 - 5.5 %
5.518 - 5.719 %
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
5-Year ARM
5.5 - 6.15 %
5.591 - 6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
15-Year Fixed Rate
5.5 - 5.8 %
5.654 - 5.955 %
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
First-Time Homebuyer's (5-Year ARM)
6.15 %
6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed Rate
6.2 - 6.75 %
6.325 - 6.878 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed Rate
6.5 %
6.596 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share-secured
3.1 - 6.75 %
2 - 10 Yrs
Share-secured term note
6.5 %
0.5 Yrs
Closed-end fixed rate
9.25 - 12.75 %
2 - 6 Yrs
Signature term note
11.75 %
0.5 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
5 % - 7.5 %
3 Yrs
Auto
5.25 % - 7.75 %
4 Yrs
Auto
5.5 % - 8 %
5 Yrs
Auto
5.75 % - 8.25 %
6 Yrs
Auto
6.5 % - 9 %
7 Yrs
Auto
7.25 % - 9.75 %
8 Yrs

Introduction

Welcome to State Employees' Credit Union, your trusted financial partner located at 5130 Poplar Tent Rd, Concord, NC 28027. Established in 1937, our credit union has grown to serve a vibrant community of over 2.8 million members, all while maintaining a commitment to provide exceptional service and value. With total assets exceeding $57 billion, we are proud to offer a range of financial solutions tailored to meet the needs of our members. At State Employees', we understand that every member has unique financial goals. That's why we provide personalized services including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. As part of our dedication to supporting you, we have a strong lending portfolio that features 1,194,630 loans and leases. Our total deposits stand at an impressive $7.87 billion, reflecting the trust that our members place in us. Under the leadership of CEO Leigh Brady and Board President Mona Moon, our dedicated team of over 8,200 employees works tirelessly to ensure that your banking experience is seamless and rewarding. We also maintain a robust cash reserve of $708 million, ensuring that we are well-equipped to support our members' needs. While you can visit us in person at our branch, official correspondence should be sent to the same address: 5130 POPLAR TENT RD, CONCORD, NC 28027. If you have any questions or need assistance, feel free to reach out at 704-788-4174. Explore how we can help you achieve your financial dreams by visiting our website at ncsecu.org. Join us today and become part of a credit union that truly cares about its members!

Branch History & Mission

State Employees' Credit Union has a proud legacy that began in 1937, serving the needs of its members in Concord, NC. From our humble beginnings, we have grown significantly over the decades, now boasting a total membership of over 2.8 million and assets exceeding $57 billion. Our branch is located at 5130 Poplar Tent Rd, Concord, NC 28027, a central spot that makes it easy for our community to access financial services. Our mission is simple yet powerful: to provide exceptional financial services while fostering a spirit of community support. We believe that when our members thrive, the entire community benefits. We are committed to helping individuals and families achieve their financial goals through personalized banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Over the years, we've embraced digital advancements to better serve our members. Our online banking platform allows for convenient transactions anytime and anywhere. Additionally, we offer mobile payments and e-statements for those who prefer doing things on-the-go. We recognize the importance of accessibility, which is why our facilities are ADA compliant. Members can also take advantage of our drive-thru service for quick transactions without leaving their vehicles and ATM availability ensures you have access to your funds whenever you need them. Community involvement is at the heart of what we do. Through partnerships with local organizations and outreach efforts, we strive to make a positive impact in Concord and beyond. Our branches serve not just as financial institutions but as community hubs where people come together to learn about managing their finances effectively. While members can visit us at 5130 Poplar Tent Rd, official correspondence should be sent to 5130 POPLAR TENT RD, CONCORD, NC 28027 if it differs from our physical address. Join us today at State Employees' Credit Union! Experience how we blend outstanding financial products with genuine care for our members and community. Together, let's build a brighter financial future! For more information or inquiries, feel free to call us at 704-788-4174 during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM.

Branch Location & Accessibility

Welcome to State Employees' at 5130 Poplar Tent Rd, Concord, NC 28027! Our branch is nestled in the heart of Cabarrus County, making it a convenient stop for all your banking needs. Whether you're heading to the nearby Concord Mills or just enjoying a day out in the community, we're easy to find and ready to serve you. At our branch, you'll enjoy hassle-free parking and ADA-compliant access features, ensuring that everyone can visit us comfortably. Our friendly staff is here to help with a variety of services, including personal banking options like checking and savings accounts, auto loans, mortgages, and more. Plus, we offer drive-thru banking for quick transactions without leaving your car! Our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 8:30 AM to 5:30 PM, giving you ample time to stop by. If you need assistance outside these hours, don't worry! We also have an ATM available for your convenience. While members can visit us at 5130 Poplar Tent Rd, official correspondence should be sent to our mailing address at 5130 POPLAR TENT RD, CONCORD, NC 28027. Feel free to reach out at 704-788-4174 if you have any questions or need assistance before your visit. We look forward to welcoming you at State Employees'!

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming! If you live, work, or worship in the areas we serve, or are related to someone who does, you're likely eligible to join us. Our membership is designed for those who want more than just a bank; it's about having a partner in your financial journey. To ensure you meet all the criteria, feel free to check out the detailed eligibility information at http://www.ncsecu.org/join#eligibility. Joining is easy! Once you've confirmed your eligibility, you can open an account online by visiting our account opening page at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance during the process, don't hesitate to reach out to us at (704) 788-4174. We're here to help you every step of the way as you take this exciting step toward financial empowerment at State Employees', located at 5130 Poplar Tent Rd Concord Nc 28027.

Business Banking & Commercial Services

Merchant Services That Work for You

Beyond loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly whether at your brick-and-mortar store or online. This capability not only enhances customer experience but also boosts your sales potential. Ready to take your business to the next level? Visit us at 5130 Poplar Tent Rd Concord Nc 28027 in Concord, NC, or call us at (704) 788-4174 to learn more about how we can support your business needs!

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. For those outside our membership, 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

Business Banking

Entrepreneurs and business owners will find valuable resources through our business banking services. From merchant services that streamline transactions to tailored business loans, we're dedicated to supporting local businesses in their growth and success.

Credit Solutions

When it comes to managing spending or building credit, our credit cards with rewards can be an excellent choice. Enjoy perks while making everyday purchases. Plus, if you're facing unexpected expenses, our personal loans can provide quick cash when needed.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features. Manage your accounts, transfer funds, and pay bills all from the comfort of your home or on the go. With our ATM services available for cash withdrawals and balance checks, you'll always have access to your funds whenever you need them.

Drive-Thru Services

If you're short on time but need to handle banking tasks like deposits or withdrawals, our basic drive-thru service allows for quick transactions without leaving your vehicle. At State Employees', we pride ourselves on being more than just a financial institution; we are part of the community. Our friendly staff is ready to assist you with any questions or concerns you might have about our offerings. To learn more about how we can help meet your financial needs or if you're ready to start an account with us today, please don't hesitate to reach out at (704) 788-4174 or visit us online at Concord - Poplar Tent Road. Let's work together towards a brighter financial future!

Home Financing

For many, buying a home is one of the biggest decisions they will ever make. Our mortgage loans and refinancing options are designed with your future in mind. We'll guide you through each step of the process, ensuring that you have the best possible loan to fit your budget.

Personal Banking

Navigating personal finance can be challenging, but with our personal banking services, you'll find the tools you need right at your fingertips. We offer checking and savings accounts that cater to your lifestyle, allowing you easy access to your money when you need it. For those moments when life calls for a little extra financial support, consider our personal loans and debt consolidation options. They are tailored to help you simplify payments and manage expenses more effectively.

Vehicle Financing

If you're dreaming of hitting the road in a new vehicle, our auto loans and vehicle financing solutions make it easier than ever. We provide competitive rates and flexible terms so you can drive away in the car of your choice without breaking the bank.

Digital & Online Banking

Key Features

Enjoy the convenience of e-statements at State Employees'. You can receive your account statements electronically, which not only saves paper but also provides quick access to your financial information. If you ever need to sign documents quickly, our electronic signature authorization feature makes it simple and efficient. For those who prefer banking on their smartphones, our mobile application is available for download. With this app, you can make mobile payments easily just tap and go! While person-to-person transfers aren't currently offered, our other features ensure you have everything you need for daily transactions.

Security You Can Trust

Your security is our priority. Our online banking system uses advanced encryption technologies to protect your personal information while ensuring ease of use. You can feel confident knowing that your data is safe with us as you navigate through your financial tasks. In summary, at State Employees', we aim to provide accessible and secure digital banking solutions that fit seamlessly into your life. Experience the freedom of managing your finances with just a few taps visit our website today to get started!

Financial Strength

Commitment to Growth

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.

Growing Trust

Total Share and Deposit Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $574,556,810, further reflecting our ability to support your needs. 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 5130 Poplar Tent Rd Concord Nc 28027 or call (704) 788-4174 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.*

Member-Centric 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. 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 $0 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.

Solid Financial Foundations

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.

Loan Offering

Additional Financing Options

If you have other financing needs, we can help with personal loans for debt consolidation or unexpected expenses as well as business banking solutions for entrepreneurs. We are committed to providing support across various financial stages and challenges. If you're interested in any of our loan products or want more information about refinancing options, please don't hesitate to reach out. You can contact us at (704) 788-4174 or visit us at our branch located at 5130 Poplar Tent Rd Concord Nc 28027 in Concord, 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's work together to find the right loan solution for you!

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 financing a brand-new model or a reliable used vehicle, our flexible terms and competitive rates make it easy to drive away happy.

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're here to guide you through the process, whether you're a first-time buyer or looking to refinance your existing mortgage.

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. Our credit cards come with rewards and benefits designed to suit your lifestyle, making it easier to make purchases while earning back.

Loan Aggregator

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