State Employees' Credit Union Durham NC: Affordable Vehicle Loans & Business Banking

Introduction

Welcome to State Employees', your trusted financial partner since 1937! Located at 1131 Slater Rd, Durham, NC 27703, we are committed to serving our community with a range of banking solutions tailored to meet your needs. With over 2.8 million members and a robust asset base of $57,229,286,839, we pride ourselves on being a cornerstone of financial support for individuals and families in the area. At State Employees', we believe in building strong relationships with our members. Our leadership team, headed by CEO Leigh Brady and Board President Mona Moon, is dedicated to ensuring that every member feels valued and supported. Whether you're looking for personal banking options like checking and savings accounts or considering auto loans, mortgages, or business services, we've got you covered. While you can visit us at our branch for all your banking needs, please send any official correspondence to our mailing address: 1131 SLATER RD, DURHAM, NC 27703. With total deposits amounting to $7,866,265,767 and a net worth of $5,446,832,560, we have the stability and resources to help you achieve your financial goals. Our experienced team is here to assist you with everything from loans over 1,194,630 in total to comprehensive online and mobile banking services. We invite you to explore what makes State Employees' unique. Call us today at 919-941-9120 or visit our website at ncsecu.org to learn more about how we can assist you in your financial journey. Join us as we continue to grow together and make a positive impact in the community!

Branch History & Mission

Join Us

As we look towards the future, we invite you to become part of the State Employees' family. Experience firsthand how we prioritize your financial well-being while supporting our local community's growth and development. Explore what makes us different by visiting our website or stop by today! Together, let's build a stronger tomorrow.

Our Evolution

From our humble beginnings, State Employees' has consistently evolved to meet the changing needs of our community. We started with just a few services but quickly expanded our offerings as our membership grew. Today, we provide a wide range of financial products including personal banking, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our commitment to innovation ensures that we stay current with technology while maintaining a personal touch. Our branch is designed with accessibility in mind. We are proud to offer ADA-compliant facilities for all members. In addition to traditional banking services at our location, we also provide digital options such as online banking and mobile payments for added convenience.

Our Mission

At the heart of State Employees' lies a mission grounded in service and support for our members and the wider community. We aim not only to provide financial services but also to empower individuals through education and outreach. By engaging in various community initiatives and partnerships, we strive to uplift those around us. Whether it's helping members achieve their home ownership dreams or offering financial literacy programs, we are dedicated to making a positive impact in Durham and beyond. Our drive-thru service allows for quick transactions while maintaining personal interactions, ensuring that every member feels valued. While members can visit us at 1131 Slater Rd for their banking needs, official correspondence should be sent to the same address. If you need assistance or have questions about your accounts or services offered at State Employees', feel free to reach out at 919-941-9120 during our operating hours from 8:30 AM to 5:30 PM on weekdays.

Branch Location & Accessibility

Welcome to State Employees' located at 1131 Slater Rd Durham Nc 27703 in beautiful Durham, NC! Our branch is designed with your convenience in mind, making it easy for you to access all the financial services you need. Whether you're stopping by for a quick deposit or exploring our various loan options, we're here to help. While members can visit us at 1131 Slater Rd Durham Nc 27703, official correspondence should be sent to 1131 SLATER RD, DURHAM, NC 27703. Situated near local landmarks, our branch is easy to find and has plenty of parking available. We've made sure that our facilities are accessible for everyone, featuring ADA-compliant entrances and ramps so that all members feel welcome. At State Employees', we understand that your time is valuable. That's why our lobby hours are set from 8:30 AM to 5:30 PM, Monday through Friday. If you prefer drive-thru banking, we offer this option as well, allowing you to handle transactions like deposits and withdrawals without leaving your car. Plus, with ATM availability on-site, you can access cash quickly and easily outside of regular business hours. Our dedicated staff is ready to assist you with a range of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and even credit cards with rewards. We pride ourselves on providing personalized service tailored to meet your needs. We invite you to stop by or give us a call at (919) 941-9120 if you have any questions. Experience the friendly atmosphere at State Employees' we look forward to serving you soon!

Member Eligibility

Joining the State Employees' community is a wonderful step toward better financial support and services tailored just for you! To become a member, you'll need to meet some straightforward eligibility requirements. Generally, individuals who work for the state of North Carolina or its agencies, as well as their family members, are welcome to join. This means if you're employed by the state or have loved ones who are, you're likely eligible! You can find all the specific details about eligibility at this link: Eligibility Information. Once you confirm your eligibility, opening an account is simple and convenient. You can start the process online by visiting this page: Account Opening. If you have any questions or need assistance, feel free to reach out at (919) 941-9120. Becoming a member of State Employees' not only gives you access to a wide range of financial products but also connects you to a supportive community that genuinely cares about your financial well-being. We're excited to welcome you!

Business Banking & Commercial Services

Business 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

Beyond loans, we offer merchant services designed to simplify your transactions. Imagine being able to accept payments from customers effortlessly whether they're shopping online or in your store. Our tools not only streamline payment processes but also enhance customer experiences, allowing you to focus on what matters most: growing your business. Explore how State Employees' can partner with you on your journey. Stop by our branch at 1131 Slater Rd Durham Nc 27703 or give us a call at (919) 941-9120 to learn more!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options provide competitive rates and flexible terms to help you drive away in your dream vehicle. Whether it's a brand-new model or a reliable used car, we work with you to find the best financing solution that fits your budget.

Business Banking

For business owners, we offer robust business banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is ready to assist you in achieving your business goals.

Convenient Access

We pride ourselves on accessibility. With ATM services available 24/7 and basic drive-thru banking for quick transactions like deposits and withdrawals, managing your finances has never been easier. You can also take advantage of our basic ATM access for balance checks whenever needed. In today's fast-paced world, having efficient banking tools is crucial. That's why at State Employees', we're committed to making digital banking features seamless through online platforms and mobile applications that keep you connected anytime, anywhere. To learn more about how we can assist you further or if you're ready to open an account with us, feel free to contact us at (919) 941-9120 or visit us at Rtp today! Your journey towards better financial management starts here!

Credit Cards with Rewards

Our credit cards come with exciting rewards that make every purchase more rewarding. From cash back on everyday spending to travel rewards for those who love adventure, our cards are geared towards enhancing your financial experience while allowing you to enjoy the perks.

Mortgage Loans & Refinancing

If buying a home is on your mind, we offer mortgage loans with various plans to suit different needs. Our refinancing options can also help lower your monthly payments or access cash from your home equity. Picture yourself enjoying the comforts of homeownership with financial peace of mind.

Personal Banking

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Imagine being able to effortlessly manage your day-to-day expenses while also saving for future goals. With our user-friendly online and mobile banking options, you can check balances, transfer funds, and pay bills from the comfort of your home or on-the-go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why our personal loans are designed to help when you need extra cash, whether it's for emergencies or special occasions. Additionally, if managing multiple debts feels overwhelming, our debt consolidation loans simplify payments into one manageable monthly bill.

Digital & Online Banking

Accessibility and Real-Time Management

We know life can be busy, which is why our 24/7 online banking services fit seamlessly into your routine. You can monitor your account activity in real-time, ensuring that you're always in the loop about your finances. While person-to-person transfers aren't currently offered, our other features provide plenty of ways to handle your financial needs efficiently. In short, with State Employees''s digital banking services, you get a powerful combination of convenience, security, and flexibility all designed to make managing your money easier than ever before!

Key Features

Our mobile application adds another layer of convenience. Whether you're at home or on the go, you can manage your accounts right from your smartphone. With features like mobile payments, making purchases or sending money is quick and hassle-free. Plus, our e-statements are available for those who prefer paperless banking easily accessible and environmentally friendly! Need to sign documents quickly? Our electronic signature authorization makes it simple to complete transactions without the need for physical paperwork. This means less waiting around and more time for what matters most.

Financial Strength

Growing Together

Total Share Accounts stand at an impressive 5,850,875, showing a strong and growing member base that trusts us with their finances. With Net Shares available for lending and investments reaching $574,556,810, we're dedicated to supporting your needs now and into the future. 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 1131 Slater Rd Durham Nc 27703 or call (919) 941-9120 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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. This commitment is further reflected in our lending capacity; we provide $193,516 in used auto loans and have a robust total loans and leases portfolio of $34,904,944,116, supporting our members' financial goals across various sectors.

Member-Focused Savings

Your 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 operational efficiency is evident in our $2,145,244, which allows 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.

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. 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 Loan Options

In addition to these primary offerings, we have various other lending solutions available. For those seeking additional funding or flexibility in managing expenses, we provide personal loans and lines of credit. If you're interested in refinancing any existing loans for better rates or terms, we encourage you to reach out for more information about eligibility and options available. Our dedicated team is here to assist you every step of the way. Feel free to contact us at 919-941-9120 or visit us at our branch located at 1131 Slater Rd, Durham NC 27703 during our operating hours from 8:30 AM to 5:30 PM on weekdays. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're ready to apply now or just exploring your options, State Employees' is here to support you on your financial journey!

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 purchasing a brand-new model or a reliable used vehicle, our financing options can help you drive away with confidence.

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. These cards are designed to provide you with easy access to funds when you need them most.

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 aim to support you throughout the process with clear guidance and favorable terms tailored to your situation.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. By bringing together various lending options in one place, LendMesh allows users to make informed choices that best suit their financial needs. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment guarantees that users receive fair and transparent offers from legitimate financial institutions. One significant advantage of using LendMesh is its focus on verified data. Every loan offer comes from credible sources, ensuring users can trust the information they receive. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This approach emphasizes unbiased results and puts the user's interests first. Another key benefit is real-time rate comparisons. Users have access to up-to-date loan rates from multiple institutions, enabling them to evaluate their options effectively and make well-informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the value that LendMesh brings to its users. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

STATE EMPLOYEES' CREDIT UNION - Durham, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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