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Mortgage Loans
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Personal Loans
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Introduction
Welcome to State Employees', your trusted financial partner located at 6592 NC 73 Hwy, Denver, NC 28037. Established in 1937, we take pride in serving our community with dedication and integrity. With a robust membership of over 2.8 million, we are committed to meeting the diverse financial needs of our members. At State Employees', we understand that financial decisions can be overwhelming. That's why we offer a wide range of services tailored just for you, including personal banking, auto loans, mortgage refinancing, and business banking solutions. Our total assets exceed $57 billion, and with total deposits of $7.87 billion, your money is not only safe but also working hard for you. Led by our CEO, Leigh Brady, and Board President, Mona Moon, our team of over 8,200 employees is here to provide personalized support every step of the way. We are proud to hold a net worth of $5.45 billion and have ample cash reserves of $708 million, ensuring that we can continue to invest in your future. While members can visit us at our Denver branch for friendly service during lobby hours from Monday to Friday, official correspondence should be sent to the same address: 6592 NC 73 Hwy, Denver, NC 28037. For any questions or assistance, feel free to call us at 704-483-1290 or send a fax to 919-839-5353. Join us today at State Employees' and experience the difference that comes from being part of a credit union dedicated to you! Visit our website at www.ncsecu.org for more information on how we can help you achieve your financial goals.
Branch History & Mission
Commitment to Innovation
In today's world, convenience matters. That's why we've embraced technology with features like online banking and mobile payments, ensuring that managing your finances is easier than ever. We also maintain ADA compliance across all platforms so that everyone can access our services without barriers. Whether you prefer visiting us in person during our operating hours from M-F 8:30 AM - 5:30 PM or utilizing our drive-thru service for quick transactions, we're here to serve you.
Join Us
As we continue this legacy of trust and service, we invite you to become part of the State Employees' family. Experience firsthand the difference that personalized financial care can make in your life. Whether you're looking for loans, savings accounts, or just sound advice, we're ready to help you achieve your goals. Contact us at (704) 483-1290 or visit us online at https://www.ncsecu.org/ to learn more about how you can benefit from being a member of State Employees'. Join us today and take the first step towards a brighter financial future!
Our Mission
At State Employees', our mission is clear: we strive to enhance the quality of life for our members by providing exceptional financial services while fostering strong community ties. We believe that everyone deserves access to high-quality banking options, which is why we offer a range of services, including personal banking, auto loans, mortgage financing, credit cards, and business banking solutions. We're not just about numbers; we are committed to making a positive impact in our community. Through various outreach programs and partnerships, we work tirelessly to support local initiatives that uplift those around us.
Branch Location & Accessibility
Convenience and Accessibility
At our Denver branch, we prioritize your convenience. With ample parking available right outside, accessing our services is a breeze. We are proud to offer ADA-compliant features to ensure everyone can comfortably visit us. If you prefer banking on the go, we have an ATM available for quick withdrawals and balance checks.
Get in Touch!
Ready to take control of your financial future? We invite you to visit us at the State Employees' branch in Denver today! If you have any questions or need assistance before your visit, feel free to call us at 704-483-1290. We look forward to serving you!
Operating Hours
Our friendly team is here to assist you Monday through Friday from 8:30 AM to 5:30 PM. Whether you're looking to open a new account or need assistance with loans and financing options, we're ready to help you during our operating hours.
Services We Offer
At State Employees', we provide a wide range of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're interested in credit cards with rewards or business banking solutions, our knowledgeable staff can guide you through the available options. Plus, for those who prefer face-to-face interactions, our drive-thru service allows for easy deposits and withdrawals without leaving your vehicle. While members can visit us at our branch address, official correspondence should be sent to 6592 NC 73 Hwy, DENVER, NC 28037.
Member Eligibility
Welcome to State Employees', where joining our community means gaining access to a world of financial support and services tailored just for you! Becoming a member is easy and open to those who meet certain criteria. If you're a state employee, a family member of one, or even someone living or working in the communities we serve, you're likely eligible to join. Our goal is to ensure that everyone has the opportunity to experience the benefits of membership, which include competitive loan rates, savings options, and personalized service. To find out more about the specific eligibility requirements, feel free to check out this link. Once you're ready to take the next step towards membership, opening an account is a breeze! You can start the process by visiting our account opening page or give us a call at (704) 483-1290 if you have any questions. We look forward to welcoming you to State Employees', located at 6592 Nc 73 Hwy Denver Nc 28037!
Business Banking & Commercial Services
Business Loan Options
Imagine having the financial backing to expand your operations or invest in new technology. 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
Running a business today requires efficient payment solutions. Our merchant services help you accept payments seamlessly, whether in-store or online. This means you can focus more on serving your customers without worrying about transaction hassles. Visit us at 6592 Nc 73 Hwy Denver Nc 28037 in Denver, NC or call us at (704) 483-1290 to learn how our tailored services can help your business thrive!
Comprehensive List Of Services
Business Banking
For our members who run businesses, we provide comprehensive business banking services, including merchant services and business loans. We know that supporting local businesses strengthens our community, so we strive to offer flexible solutions that cater specifically to entrepreneurs like you.
Digital Banking
In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms enable you to manage your finances anytime, anywhere. Check balances, transfer funds, or pay bills effortlessly with just a few taps on your smartphone or computer. Additionally, our ATM services allow for easy cash withdrawals and balance checks without any hassle.
Drive-Thru & ATM Services
If you're on the go, take advantage of our basic drive-thru banking for quick deposits and withdrawals. Our ATMs are also available for cash withdrawal services whenever you need them. At State Employees', we prioritize accessibility and convenience for all our members. For any questions or assistance with setting up your accounts or loans, don't hesitate to reach out at (704) 483-1290 during our operating hours from Monday to Friday between 8:30 AM and 5:30 PM. Your financial journey starts here visit us today at 6592 Nc 73 Hwy Denver Nc 28037 or explore more about our services online at our website. Let's work together towards achieving your financial aspirations!
Home Financing
When it comes to buying a home, having the right mortgage can make all the difference. Our team provides personalized guidance through the process of securing mortgage loans and refinancing options tailored just for you. We aim to ensure that your experience is smooth and transparent from application to closing.
Loans & Credit
Life can throw unexpected expenses your way, which is why we also offer personal loans and debt consolidation solutions. These services can help ease financial burdens by allowing you to manage debts more effectively. Plus, our credit cards come with rewards that add value to your everyday purchases.
Personal Banking
We offer various personal banking options including checking and savings accounts that fit different lifestyles and financial goals. You can easily set up an account with us online or at our branch, where our friendly staff is ready to assist you. If you're planning to purchase a car, our auto loans and vehicle financing make it simple to drive away in the vehicle of your dreams without breaking the bank.
Digital & Online Banking
Accessibility and Security
Your security is our top priority. All our digital services are designed with the latest security features to protect your information. We strive to create a user-friendly experience so that managing your money feels effortless. While we currently do not offer person-to-person transfers, our other features cater to most everyday banking needs effectively. With everything from account management to convenient mobile access, you can handle your finances with confidence. Discover how easy banking can be with State Employees' by visiting us online at https://www.ncsecu.org/ today!
Key Features
With our 24/7 online banking services, you have real-time access to your accounts whenever you need it. Check balances, pay bills, and transfer funds without having to visit a branch. Our mobile application further enhances this experience, putting your banking needs right in your pocket. You can even make mobile payments easily, ensuring that you never miss a beat. For those who prefer going paperless, we provide e-statements, making it easy to keep track of your transactions while reducing clutter. Plus, with our electronic signature authorization, signing documents online is straightforward and secure no more printing and mailing necessary!
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 is substantial; with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we support members' financial goals across various sectors. 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.
Growing Membership Base
The trust placed in us by our members is evident with a total of 5,850,875 share and deposit accounts. This strong member base shows that people believe in what we do at State Employees'. 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 6592 Nc 73 Hwy Denver Nc 28037 or call (704) 483-1290 to learn more about how we can help you achieve your financial goals.
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.
Strong 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. This financial strength is further illustrated by our net worth ratio of $971, demonstrating a solid capital foundation. It ensures 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 looking for a reliable used car or a brand-new model, our competitive rates make it easier than ever to drive home your next vehicle.
Credit Lines and Other Offerings
Our credit lines totaling $18,909,000,000 provide additional flexibility for your financial needs. Whether you need funds for unexpected expenses or want to consolidate debt into manageable payments, we have options tailored just for you. For any questions about our loan products or to find out more about eligibility requirements and refinancing options, feel free to contact us at 704-483-1290 during our business hours from Monday to Friday between 8:30 AM and 5:30 PM. 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 you on your financial journey!
Mortgage Loans
Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide $2,138,885,519 in Junior Lien 1-4 Family Residential Properties loans to help you secure the home of your dreams. If you're interested in refinancing your current mortgage or exploring eligibility options, our team is here to guide you every step of the way.
Unsecured Credit Card Loans
We also offer flexible terms on unsecured credit card loans. With a total of $1,177,171,541 in loans available, our credit cards can help members manage their finances effectively while earning rewards along the way.
Loan Aggregator
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