State Employees' Credit Union Durham NC: Top Checking & Auto Loans

Introduction

Welcome to State Employees' Credit Union, your trusted financial partner located at 504 S Duke St, Durham, NC 27701. Since our establishment in 1937, we have been dedicated to serving our community with a commitment to reliability and integrity. With over 2.8 million members and total assets exceeding $57 billion, we understand the importance of financial security and are here to support you every step of the way. At State Employees', we pride ourselves on offering a wide range of services tailored to meet your needs, including personal banking, auto loans, mortgages, and business financing. Our total deposits stand at an impressive $7.87 billion, reflecting the trust our members place in us. Additionally, our net worth of $5.45 billion ensures that we remain strong and stable as we help you achieve your financial goals. Our leadership team, headed by CEO Leigh Brady and Board President Mona Moon, is passionate about making a positive impact in the Durham community. With a dedicated staff of 8,258 employees, we're always ready to assist you with personalized service that feels like family. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 504 S DUKE ST, DURHAM, NC 27701. Whether you're looking to open an account or learn more about our lending options (with over 1.19 million loans already issued), we encourage you to reach out by calling us at 919-682-9602. Join us at State Employees' Credit Union today where your financial future is our priority! For more information or to explore our services further, please visit our website at ncsecu.org.

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand the importance of adapting to new technologies while ensuring that every member receives personalized attention. Our branch offers convenient services such as online and mobile banking, which allow members to manage their finances anytime, anywhere. With ATM availability and drive-thru banking options, accessibility is at the forefront of our operations. Our commitment extends beyond mere convenience; we prioritize ADA compliance and customer-centric initiatives that create an inclusive environment for all members. By continually innovating and responding to your needs, we hope to provide an experience that empowers you financially. While members can visit us at 504 S Duke St for all their banking needs, official correspondence should be sent to 504 S DUKE ST, DURHAM, NC 27701 if there are any differences.

Join Us

As you explore your financial options, consider becoming part of our growing family at State Employees' Credit Union. We invite you to join us on this journey towards financial empowerment and community support. Together, let's build a brighter future one that thrives on trust, collaboration, and shared success. For any inquiries or assistance, feel free to reach out at 919-682-9602 or visit us online at ncsecu.org. Your financial future starts here!

Our Mission

Our mission is simple yet powerful: to enhance the lives of our members by offering a comprehensive range of financial services designed with their best interests in mind. We strive to empower individuals and families by providing them with the tools they need for financial success be it through personal banking options like checking and savings accounts or loans for vehicles and homes. We believe in giving back to our community. State Employees' Credit Union actively engages in outreach efforts that support local initiatives, ensuring that our growth contributes positively to those around us. We take pride in being more than just a bank; we aim to be a supportive partner in each member's financial journey.

Branch Location & Accessibility

Accessibility Features

Getting to our branch is simple, with plenty of parking available right outside our doors. We ensure that everyone can access our services comfortably, featuring ADA-compliant facilities including ramps and designated accessible parking spaces. Whether you're stopping by for a quick transaction or need assistance with more complex banking needs, our dedicated staff is ready to help.

Operating Hours

Our lobby hours are designed to fit your busy schedule. We are open Monday through Friday from 8:30 AM to 5:30 PM, making it easy for you to drop in during lunch breaks or after work. Plus, if you prefer a more convenient option, we offer drive-thru banking services for deposits and withdrawals.

Services Offered

At State Employees', we provide a range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. If you need cash quickly, our ATM is available on-site for easy access to your funds. And if you have any questions or require assistance, don't hesitate to call us at 919-682-9602. We invite you to visit us soon at the State Employees' branch on Duke Street your local partner in achieving financial success!

Member Eligibility

At State Employees', we believe that everyone deserves access to financial services that truly support them. Becoming a member is simple and welcoming, allowing you to join a community focused on your financial well-being. If you're a state employee or a family member of one, you're already eligible to become part of our family! We also extend membership to individuals who live, work, or worship in specific areas within Durham. This inclusive approach ensures that many can benefit from our personalized services and competitive rates. For the full details on eligibility criteria, check out our resource at http://www.ncsecu.org/join#eligibility . Opening an account with us is just as easy! You can start your journey toward membership online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu . Should you have any questions or need assistance, feel free to reach out at (919) 682-9602. We're here to help you every step of the way as you embark on this exciting new chapter with State Employees'!

Business Banking & Commercial Services

Financing Your Business 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. Additionally, we provide flexible financing solutions with $0 in non-member commercial loans, ensuring that everyone has access to the resources they need.

Merchant Services That Matter

In today's fast-paced world, efficient payment processing is crucial. Our merchant services offer practical benefits that simplify transactions for your customers. Imagine being able to accept payments anytime, anywhere, which keeps your cash flow steady and your operations running smoothly. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses in Durham, NC. Partner with us at 504 S Duke St Durham Nc 27701 and let's work together to turn your business vision into reality. For more information, give us a call at (919) 682-9602!

Comprehensive List Of Services

Business Banking

For local businesses, we offer specialized services tailored just for you. Our Business Banking options include essential Merchant Services & Business Loans, helping you manage cash flow and invest in growth opportunities.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features like Online & Mobile Banking. Access your accounts anytime from anywhere whether it's checking balances or transferring funds on the go. You can also use our ATMs for quick cash withdrawals or balance checks without stepping inside the branch. Additionally, our Basic Drive-Thru Banking allows for simple transactions like deposits and withdrawals without leaving your car perfect for busy schedules!

Get Started Today

We invite you to explore all these services and see how they can enhance your financial journey. If you're ready to take the next step in managing your finances more effectively, don't hesitate to reach out! Call us at 919-682-9602 or visit us at State Employees' in Durham. Together, let's achieve your financial goals!

Personal Banking

When it comes to personal banking, we understand that each member has unique goals. That's why we offer flexible Checking & Savings Accounts that fit your lifestyle and saving habits. Imagine having a secure place to keep your money while also earning interest. Our accounts are designed to help you grow your savings effortlessly. If you're considering buying a car, our Auto Loans & Vehicle Financing options can help make that dream a reality. With competitive rates and straightforward terms, financing your next vehicle is simpler than ever. We can even assist you if you're looking to refinance an existing auto loan for better terms. For those thinking about homeownership or refinancing an existing mortgage, we provide various Mortgage Loans & Refinancing solutions. Our team will guide you through the process, ensuring you find the right fit for your financial situation. If life throws unexpected expenses your way or if you're looking to consolidate debt, our Personal Loans & Debt Consolidation services can provide the support you need. These loans can give you peace of mind by simplifying your finances into one manageable payment. And let's not forget about credit! With our Credit Cards with Rewards, every purchase gets you closer to exciting rewards and benefits. It's like getting paid back just for using your card!

Digital & Online Banking

Accessibility and Ease of Use

We aim to make banking accessible for everyone. Our online banking services are straightforward and easy to navigate, ensuring that you spend less time managing money and more time enjoying life. With everything from bill payments to account inquiries available at your fingertips, you'll find that taking care of your finances is not just a task but a breeze. Join us today at State Employees', where convenience meets security in the world of digital banking!

Key Features

Our online banking platform offers a range of features tailored to meet your needs. You can access e-statements, making it simple to keep track of your finances without the hassle of paper statements yes, we offer Yes! If you prefer mobile banking, our user-friendly mobile application is available, allowing you to check balances, transfer funds, and pay bills right from your smartphone. Plus, with the added convenience of mobile payments, managing your expenses has never been easier. Security is a top priority at State Employees'. We utilize electronic signature authorization for transactions, ensuring that your personal information remains protected while allowing for quick approvals when you need them. This means you can sign documents electronically with confidence! While we currently don't support person-to-person transfers, our other features make up for it by providing you with robust tools for real-time account management. Whether you're making a deposit or checking your balance, everything can be done quickly and securely.

Financial Strength

A Committed Team at Your Service

Our dedicated team is here for you! We proudly employ 7,729 full-time employees and 529 part-time employees who are committed to providing knowledgeable service every day. This ensures that when you walk through the doors of our branch at 504 S Duke St Durham Nc 27701, you'll always find someone ready to assist you with your financial journey.

Continuing to Grow Together

Our operational efficiency is reflected in our $0, enabling us to keep offering competitive loan rates and solid financial products for our members. With a strong base of 5,850,875, more members trust us with their finances than ever before. In summary, 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 504 S Duke St Durham Nc 27701 or call (919) 682-9602 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.

Investing Back into Our Community

We believe in reinvesting in our community. With $133,577,509 in undivided earnings, we enhance our banking tools, strengthen lending options, and improve security measures to serve you better. Our ability to provide support is evident through our $193,516 in used auto loans and $34,904,944,116 in total loans and leases, which help meet your diverse financial needs.

Member Savings Are Secure

Your savings are our priority. We have $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 focus on benefiting our members first. With non-member deposits at $0, we ensure that our resources are directed towards you providing better loan rates, lower fees, and exclusive perks.

Our Solid Financial Foundation

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

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 interested in financing a brand-new model or a reliable pre-owned vehicle, our terms are designed to fit your budget.

Business Financing

For business owners looking for growth opportunities, while we currently do not have outstanding commercial loans available at this branch location, our focus remains on providing personal banking solutions that can support your business needs indirectly through our personal loan offerings.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. We strive to make buying or refinancing simple and straightforward. If you're considering refinancing your current mortgage or are unsure about eligibility options, our team is here to guide you through every step.

Personal Loans and Credit Cards

In addition to vehicle and mortgage financing, 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 competitive rates and rewards tailored for your lifestyle.

Why Choose Us?

Located at 504 S Duke St, our friendly staff is ready to assist you with any questions you may have about our loan offerings. You can reach us at (919) 682-9602 during regular operating hours from 8:30 AM to 5:30 PM. We invite you to visit us or check out our website at ncsecu.org for more information on how you can benefit from our lending services. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're ready to apply or just exploring options, we're here to help you make informed financial decisions that align with your goals.

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STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans