State Employees' Credit Union Durham NC: Best Auto Loans & Online Banking

Introduction

Welcome to State Employees', your trusted partner in financial wellness located at 108 Olive Branch Rd, Durham, NC 27703. Established in 1937, we have grown alongside our community, proudly serving over 2.8 million members with a commitment to helping you achieve your financial goals. Our extensive experience and solid reputation make us a reliable choice for all your banking needs. At State Employees', we understand that every financial journey is unique. That's why we offer a range of services tailored to fit your needs from personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards. With total assets exceeding $57 billion and total deposits around $7.9 billion, we are well-equipped to support our members financially. Under the leadership of CEO Leigh Brady and Board President Mona Moon, our dedicated team of 8,258 employees is here to ensure you receive personalized service every time you visit us or reach out via phone at 919-596-0290. We also offer convenient online and mobile banking services, allowing you to manage your finances anytime, anywhere. While members can visit us at our branch address, official correspondence should be sent to the same location: 108 OLIVE BRANCH RD, DURHAM, NC 27703. We invite you to explore the benefits of membership with us today! For more information or to become a member, please visit our website at ncsecu.org. Your financial future is bright with State Employees', where we prioritize your success!

Branch History & Mission

Join Us Today

We invite you to become part of the State Employees' family! With nearly 3 million members benefiting from our services, there's never been a better time to join us. Experience how we can help you achieve your financial goals while being part of a community-focused organization that truly cares about its members. For more information or to get started on your journey with us, call us at 919-596-0290 or visit our website at ncsecu.org. Let's build a brighter financial future together!

Our Journey

From our humble beginnings, State Employees' has continuously evolved to meet the changing needs of our members. Over the decades, we've expanded our services and offerings while ensuring that we remain grounded in our mission: to provide affordable financial services and support to all members of our community. With total assets exceeding $57 billion, we have built a solid foundation that allows us to offer competitive rates on loans and savings accounts. Our journey has been marked by numerous milestones, including the introduction of online banking services that make managing finances easier than ever before. We are proud to be ADA compliant, ensuring that everyone can access our services without barriers. In addition to traditional banking, we offer personal loans, auto financing, mortgage options, and credit cards with rewards tailored to fit various lifestyles.

Our Mission

At State Employees', our mission is simple yet profound: we aim to empower individuals and families by providing them with the financial tools they need to succeed. We believe in fostering strong relationships within our community through various outreach programs and partnerships. Whether it's sponsoring local events or offering financial education workshops, we strive to give back and support those around us. While you can visit us at 108 Olive Branch Rd, official correspondence should be sent to 108 OLIVE BRANCH RD, DURHAM, NC 27703 if your needs require it. We understand that convenience matters; that's why we're open Monday through Friday from 8:30 AM to 5:30 PM and offer ATM availability along with drive-thru banking for quick transactions.

Branch Location & Accessibility

Welcome to the State Employees' branch located at 108 Olive Branch Rd in Durham, North Carolina! We pride ourselves on being a convenient banking option for our members, nestled in a vibrant area that's easy to reach. Whether you're coming from downtown Durham or nearby neighborhoods, our location is simple to find, right off major roads and close to local landmarks. While members can visit us at 108 Olive Branch Rd, official correspondence should be sent to the same address for your convenience. We are committed to ensuring that your banking experience is smooth and accessible. Our branch is equipped with ADA-compliant features, making it easy for everyone to visit us. Plus, we have ample parking available so you can stop by without any hassle. Our lobby hours are designed with your busy schedule in mind; we're open Monday through Friday from 8:30 AM to 5:30 PM. If you're in need of quick transactions, our drive-thru service is available as well perfect for those days when you're on the go! You can also access our ATM for cash withdrawals and balance inquiries at your convenience. At State Employees', we offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Whether you're looking to open a new account or just need assistance with an existing one, our friendly team is here to help. We invite you to come visit us or give us a call at 919-596-0290 if you have any questions or need further assistance. Your financial well-being is our priority, and we look forward to serving you!

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a caring community where your financial well-being is our priority. Becoming a member is simple and welcoming! If you live, work, or worship in the area, or even have family members who are already part of our credit union, you're likely eligible to join us. We're committed to providing exceptional services tailored just for you, from personal banking to loans and much more. To learn more about specific eligibility details, feel free to check out this resource: http://www.ncsecu.org/join#eligibility. Opening an account with us is straightforward and can be done online or in person at our convenient location at 108 Olive Branch Rd Durham Nc 27703. If you have any questions or need assistance during the process, don't hesitate to reach out to us at (919) 596-0290. Join State Employees' today and take the first step towards achieving your financial goals with a supportive team by your side!

Business Banking & Commercial Services

Commercial 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. - 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

In addition to loans, we offer merchant services that simplify payment processing for you. Imagine running a busy café where customers want quick and easy ways to pay. Our merchant services help you accept payments seamlessly, whether through card readers or mobile payments, allowing you to focus on delivering great customer service. Ready to take your business further? Stop by 108 Olive Branch Rd Durham Nc 27703 in Durham, NC, or give us a call at (919) 596-0290 to discover how we can help you grow!

Comprehensive List Of Services

Business Banking Services

For business owners, we understand that managing finances can be challenging. That's why we offer comprehensive business banking services, including merchant services and business loans tailored specifically for your needs. We want to support your growth and success every step of the way.

Convenient Access

To make banking even easier, we provide various access points such as ATMs for cash withdrawals and balance checks. Our branch also features a drive-thru service for quick transactions like deposits and withdrawals without leaving your car. At State Employees', we prioritize convenience without sacrificing quality service. If you're ready to explore these offerings further or have questions about how we can assist you on your financial journey, don't hesitate to contact us at (919) 596-0290 or visit us at our branch in Durham. Let's work together toward achieving your financial goals!

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, our personal banking services have you covered. Imagine having the ability to manage your finances easily from home or on the go through our online and mobile banking options. You can check balances, make transfers, and pay bills all with just a few clicks or taps on your device. If you're considering buying a car, our auto loans and vehicle financing options can help you hit the road in no time. We offer competitive rates that fit your budget, so you won't have to stress about financing. Additionally, for those looking to purchase a home or refinance an existing mortgage, our mortgage loans are designed to help you find the best path toward homeownership.

Support for Your Financial Goals

Life can be unpredictable, and sometimes you need a little extra help. Our personal loans and debt consolidation services provide flexible solutions for unexpected expenses or managing existing debts. Plus, if you're looking to earn rewards while spending, check out our credit cards with rewards, which allow you to benefit from every purchase you make.

Digital & Online Banking

Key Features

Our online banking services also include electronic signature authorization, so you can sign documents securely from the comfort of your home. No more waiting in line or mailing forms just a few clicks and you're done! For those who prefer keeping track of their statements digitally, we provide e-statements for quick access and easy management. You'll receive your statements straight to your inbox, reducing paper clutter while maintaining complete security. If you're always on the go, you'll love our mobile application. Available for download, it allows you to manage your accounts right from your smartphone. You can also make mobile payments effortlessly just tap and pay wherever you're shopping! While person-to-person transfers aren't available at this time, we ensure all other transactions are secure and straightforward. Our commitment to protecting your information means that you can bank with peace of mind. Whether it's checking balances or making payments on the go, State Employees' has made digital banking easy and accessible for all members. Embrace the future of banking today with our comprehensive suite of online services!

Financial Strength

At State Employees', financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that knowing your credit union is financially strong can give you peace of mind as you manage your finances. 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 robust foundation is further highlighted by our net worth ratio of 9.71%, demonstrating a solid capital base that ensures we can continue providing loans and competitive savings rates even in uncertain economic times. 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. Our commitment to our members is reflected in our $133,577,509 in undivided earnings. We reinvest these funds into 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. Our operational efficiency shines through with a net income of $2,145,244, allowing 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. Net Shares (Funds available for lending and investments): $574,556,810. Total Share Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. 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 108 Olive Branch Rd Durham Nc 27703 or call (919) 596-0290 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.

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, we have options that will suit your budget.

Credit Lines

For those who prefer flexibility in borrowing, our credit lines totaling $18,909,000,000 allow you to access funds as needed without taking on more debt than necessary. This can be especially useful for managing cash flow or covering larger expenses when they arise. If you're considering any of these loan products or need advice on eligibility requirements and refinancing options, don't hesitate to reach out. You can contact us at (919) 596-0290 or visit us at our branch located at 108 Olive Branch Rd, Durham NC 27703. 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 look forward to assisting you with your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, helping you secure the roof over your head without unnecessary hassle. Our team is here to guide you through the process and ensure you understand all available refinancing options as well.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also provide 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 are designed to help you handle both planned purchases and unexpected costs.

Loan Aggregator

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This guarantees that the information you receive is accurate and reflects fair offers from reputable lenders.

STATE EMPLOYEES' CREDIT UNION - Durham, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in Durham, NC (27703)