State Employees' Credit Union Durham NC: Low Mortgage Rates & Business Banking

Introduction

Welcome to State Employees' at Durham - Ben Franklin Blvd, your trusted partner in financial wellness since 1937. Nestled in the heart of Durham, NC, at 3810 Ben Franklin Blvd, 27704, our branch is dedicated to serving our members with integrity and care. With a robust membership of over 2.8 million, we pride ourselves on creating a community-centered environment where everyone feels valued. At State Employees', we understand that each member's financial journey is unique. That's why we offer a wide array of services tailored to fit your needs, including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our commitment goes beyond just providing financial products; it's about helping you achieve your dreams. With total assets exceeding $57 billion and total deposits reaching $7.87 billion, you can trust us to manage your money wisely. Our experienced team, led by CEO Leigh Brady and Board President Mona Moon, is here to guide you every step of the way. We have a dedicated staff of 8,258 employees ready to assist you whether you're visiting us in person or utilizing our online services. While members can visit us at our main branch location, official correspondence should be sent to our mailing address: 3810 BEN FRANKLIN BLVD, DURHAM, NC 27704. We invite you to explore how we can support your financial goals. Whether you're interested in opening an account or need assistance with loans, we're here for you! Give us a call at 919-471-1765 or visit our website at ncsecu.org to learn more about our offerings. Let's build a brighter financial future together!

Branch History & Mission

At State Employees' Credit Union, we proudly reflect on our rich history and unwavering commitment to serving the community of Durham, NC. Established in 1937, our branch has been a cornerstone of financial support and growth for generations. Located at 3810 Ben Franklin Blvd, right in the heart of Durham, we have evolved alongside the community to meet the changing needs of our members. Over the years, we have grown significantly, now boasting a total membership of over 2.8 million and assets exceeding $57 billion. This growth is not just a number; it represents the trust and partnership we've built with our members. From humble beginnings, we've expanded our services and capabilities to provide a comprehensive suite of financial products designed to help you achieve your goals whether that's securing an auto loan, saving for a home, or planning for retirement. Our mission at State Employees' Credit Union is simple yet powerful: to empower our members through exceptional financial services while making a positive impact in the community. We believe that everyone deserves access to affordable banking solutions that enhance their lives. That's why we offer personal banking options such as checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Additionally, our online and mobile banking services ensure that you can manage your finances conveniently from anywhere. While members can visit us at 3810 Ben Franklin Blvd for in-person support and guidance during our operating hours from 8:30 AM to 5:30 PM on weekdays, official correspondence should be sent to our mailing address at 3810 BEN FRANKLIN BLVD, DURHAM, NC 27704. We are dedicated to ensuring that everyone feels welcome here. Our drive-thru service allows for quick transactions without leaving your car, and we are committed to being ADA compliant so all individuals can access our facilities easily. Moreover, we actively engage with local organizations and initiatives that foster community development. Through various outreach efforts and partnerships, we strive to uplift those around us and create lasting change. As we look toward the future, we invite you to join us on this journey. Experience firsthand the benefits of being part of a community-focused credit union that truly cares about your financial wellbeing. Discover how State Employees' Credit Union can help you thrive today! For more information or to become a member, please call us at 919-471-1765 or visit our website at ncsecu.org. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility and Parking

Our branch offers ample parking with convenient access for all members. We understand how important accessibility is, which is why our facility is ADA compliant, ensuring everyone can visit us comfortably. If you prefer a quick visit without leaving your car, we also have a drive-thru service available for basic transactions like deposits and withdrawals.

Operating Hours

We're open Monday through Friday from 8:30 AM to 5:30 PM, ready to assist you during your busy day. Our dedicated team is eager to help with everything from personal banking services to loan inquiries.

Services Offered

At State Employees', we pride ourselves on providing a wide range of services tailored to meet your financial needs. Enjoy the benefits of personal banking with checking and savings accounts, auto loans, mortgage options, and credit cards that offer rewards. Plus, our ATMs are available for cash withdrawals and balance checks whenever you need them. While members can visit us at 3810 Ben Franklin Blvd, official correspondence should be sent to the same address. If you have any questions or need assistance before visiting, feel free to call us at 919-471-1765. We look forward to welcoming you in person! Come see how we can help make your banking experience better.

Member Eligibility

At State Employees', we believe in building a supportive community where everyone can thrive. Becoming a member is simple and welcoming! If you're a state employee, a family member of an existing member, or work for certain approved organizations, you're already on your way to joining our family. We are dedicated to providing you with access to a range of financial services designed to help you succeed, from competitive loan rates to personalized banking experiences. To learn more about the specific eligibility criteria and see if you qualify, check out our detailed guide at http://www.ncsecu.org/join#eligibility. Once you're ready to take the next step, opening your account is just as easy! You can find all the details on how to start your membership journey at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions, feel free to give us a call at (919) 471-1765. We look forward to welcoming you into the State Employees' family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Beyond loans, our merchant services offer practical solutions to streamline your operations. Imagine having the ability to accept payments seamlessly, allowing you to focus on what matters most growing your business. With tools that cater specifically to your needs, you can enhance customer experiences and improve cash flow. Located at 3810 Ben Franklin Blvd Durham Nc 27704 in Durham, NC, we're here to partner with you every step of the way. Reach out to us at (919) 471-1765 to learn how we can help your business thrive!

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. - 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

For our entrepreneurial members, we provide comprehensive business banking solutions, including merchant services and business loans. We understand that running a business is demanding; that's why we're here to support you every step of the way.

Convenience Features

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking options so you can manage your accounts on-the-go. Need cash? Enjoy easy access through our ATMs located throughout the area. Plus, our drive-thru service ensures that simple transactions like deposits and withdrawals are quick and hassle-free. At State Employees', we are committed to making banking accessible and convenient for everyone in Durham and beyond. If you're interested in learning more about any of these services or if you have questions, feel free to reach out to us at 919-471-1765 or visit us online at ncsecu.org. Let us help you take control of your financial journey today!

Credit Cards

Looking for a way to earn rewards while you spend? Our credit cards come with enticing rewards programs that allow you to get more out of your purchases. From cash back to travel points, there's something for everyone.

Loans and Financing

When it comes to financing, State Employees' offers a variety of loan products tailored to fit different situations. Whether you're in the market for an auto loan or seeking vehicle financing, we strive to make the process straightforward and stress-free. Our mortgage loans and refinancing options can assist you in achieving your dream home with competitive rates and terms. For those unexpected expenses or debt consolidation needs, our personal loans are designed with flexibility in mind.

Personal Banking

Our personal banking options include checking and savings accounts that cater to various lifestyles and goals. Imagine having a checking account that not only simplifies everyday transactions but also offers features like online and mobile banking for easy access anytime, anywhere. Plus, our savings accounts can help you grow your funds while providing peace of mind.

Digital & Online Banking

E-Statements and Mobile App

Staying organized has never been easier with e-statements available at your convenience. You can view your statements online whenever you need them, helping you track your spending and stay on top of your finances without cluttering your mailbox. For those who prefer banking on the go, our mobile application is here to help! With features like mobile payments, you can make purchases directly from your phone making it easy to pay for items without carrying cash or cards.

Easy Transfers and Account Management

Need to send money to a friend? While we currently don't offer person-to-person transfers, our user-friendly online tools allow you to manage all other aspects of your account effortlessly. Everything from checking balances to viewing transaction history is made simple and straightforward. At State Employees', we prioritize security so that you can bank with peace of mind. Our systems are designed to protect your information while ensuring an enjoyable user experience. Embrace the future of banking with us! Explore all the features available through our online banking portal today at https://www.ncsecu.org/ and see how easy managing your finances can be.

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 are proud to share that our financial strength is robust, providing you with peace of mind in your banking experience. 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. 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. 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. Additionally, 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. Our operational efficiency is evident with a net income of $2,145,244, 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. 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 3810 Ben Franklin Blvd Durham Nc 27704 or call (919) 471-1765 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 considering a brand-new model or a reliable used vehicle, we have financing solutions that fit your budget.

Business Financing

For business owners, while we currently do not have outstanding commercial loans, our team can assist you in exploring other financing opportunities that may be available through our network or by connecting you with local resources. Our team at State Employees', located at 3810 Ben Franklin Blvd Durham Nc 27704, Durham, NC, is here to answer any questions you may have about our loan offerings. You can reach us at (919) 471-1765 during our operating hours from 8:30 AM to 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 look forward to helping you achieve your financial aspirations!

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 offer competitive rates and personalized service to guide you through the process. If you are looking to refinance your current mortgage, ask us about our refinancing options that can help you save money over time.

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. This option provides you with the convenience and purchasing power you need without requiring collateral.

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. With so many options available, having a reliable tool to guide you is essential. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach is based on the latest results from the NCUA website, ensuring fair and transparent offers. Users can trust that the information they receive is current and comes from legitimate sources. One of the standout features of LendMesh is its commitment to transparency. All loan offers are sourced from verified financial institutions, which helps users make informed decisions without worrying about hidden agendas. Furthermore, LendMesh does not prioritize lenders based on paid promotions this means that users receive truly unbiased results every time they compare loans. Another key benefit of using LendMesh is the real-time rate comparisons provided for various types of loans. This feature allows users to see up-to-date loan rates from multiple institutions, making it easier to identify the best options available for their needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping individuals secure better financing terms. If you are looking for competitive loan rates without the hassle, 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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