Nc State Employee Credit Union

Nestled in the heart of Durham, the State Employees' Credit Union branch at 3872 Guess Rd is your welcoming neighborhood hub for trusted financial solutions. Whether you’re ready to take advantage of some of the best auto loans with flexible vehicle financing or streamline your personal banking through convenient checking and savings accounts, this branch offers friendly, expert service tailored to your unique needs. Open weekdays from 8:30 AM to 5:30 PM, it’s easy to stop by for personalized support designed around your schedule.
Serving nearly 2.85 million members statewide with assets exceeding $57 billion, this Durham location also excels in competitive mortgage loans and refinancing options crafted to make homeownership more accessible. Local businesses can benefit from merchant services and business loans designed to fuel growth. With convenient drive-thru banking and onsite ATM access for quick deposits, withdrawals, and balance checks—plus secure online and mobile banking platforms—you have multiple ways to manage your finances anytime.
Visit the State Employees’ Credit Union branch at 3872 Guess Rd or call 919-477-3634 today to experience community-driven service. Discover how our signature auto loans and mortgage programs can help you confidently accelerate toward your financial goals!

Type of Loan Offerings

mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10-Year Fixed Rate
5.3 - 5.5 %
5.518 - 5.719 %
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
5-Year ARM
5.5 - 6.15 %
5.591 - 6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
15-Year Fixed Rate
5.5 - 5.8 %
5.654 - 5.955 %
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
First-Time Homebuyer's (5-Year ARM)
6.15 %
6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed Rate
6.2 - 6.75 %
6.325 - 6.878 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed Rate
6.5 %
6.596 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share-secured
3.1 - 6.75 %
2 - 10 Yrs
Share-secured term note
6.5 %
0.5 Yrs
Closed-end fixed rate
9.25 - 12.75 %
2 - 6 Yrs
Signature term note
11.75 %
0.5 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
5 % - 7.5 %
3 Yrs
Auto
5.25 % - 7.75 %
4 Yrs
Auto
5.5 % - 8 %
5 Yrs
Auto
5.75 % - 8.25 %
6 Yrs
Auto
6.5 % - 9 %
7 Yrs
Auto
7.25 % - 9.75 %
8 Yrs

Introduction

Welcome to State Employees', your trusted partner in financial wellness since 1937! Located at 3872 Guess Rd, Durham, NC 27705, we have been dedicated to serving our community with integrity and care. With a thriving membership of over 2.8 million, we pride ourselves on being more than just a credit union; we are a family that values each member's financial journey. At State Employees', we manage total assets of $57,229,286,839 and offer a variety of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgages. With $7,866,265,767 in total deposits and a solid net worth of $5,446,832,560, you can trust that your money is safe with us. Our CEO, Leigh Brady, alongside Board President Mona Moon, leads our team of 8,258 employees who are committed to providing exceptional service every day. We understand the importance of being available when you need us, which is why we offer convenient hours from 8:30 AM to 5:30 PM during the week. Plus, our branch features both an ATM and drive-thru service for added convenience. While members can visit us at our physical location for all their banking needs, official correspondence should be sent to our mailing address at 3872 GUESS RD, DURHAM, NC 27705. We invite you to explore our wide range of financial products designed specifically for you. Whether you're looking for competitive loan rates or reliable savings options, we're here to help you make informed decisions about your finances. Visit us online at ncsecu.org or call us at 919-477-3634 today to learn more about how we can support your financial goals!

Branch History & Mission

Welcome to the heart of community banking at State Employees', located at 3872 Guess Rd, Durham, NC 27705. Established in 1937, our branch has a rich history that reflects our commitment to serving the financial needs of our members. Over the years, we have grown into a trusted institution with a total membership of 2,847,943 and assets exceeding $57,229,286,839. From our humble beginnings, State Employees' has evolved to meet the changing needs of our community. Our mission is simple yet powerful: to provide exceptional financial services while supporting the local community. We believe in building strong relationships with our members by offering personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. At State Employees', we understand that banking goes beyond just numbers; it's about people. Our dedicated team is here to ensure that every member receives personalized attention and support. Whether you prefer visiting us in person during our lobby hours from 8:30 AM to 5:30 PM on weekdays or accessing your accounts online or through our mobile app, we are committed to making banking accessible for everyone. Our branch features essential services including an ATM for convenient cash access and drive-thru banking for quick transactions. This convenience is part of our effort to create a customer-centric experience that meets the needs of all members. As part of our mission, we actively engage in community outreach initiatives and partnerships aimed at uplifting those around us. By participating in local events and supporting various causes, we strive to make a positive impact in Durham and beyond. While members can visit us at 3872 Guess Rd, official correspondence should be sent to 3872 GUESS RD, DURHAM, NC 27705 if different from the branch address. For any questions or assistance, feel free to reach out to us at 919-477-3634. Join us at State Employees' and experience firsthand how we prioritize your financial well-being while making a difference in the community. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to State Employees' branch, located at 3872 Guess Rd, Durham, NC 27705! We are conveniently situated in the heart of Durham, making it easy for our members to access our services. Whether you're near the bustling streets of downtown or visiting the nearby Duke University area, we're just a short drive away. At our branch, you'll find ample parking and a welcoming atmosphere. We prioritize accessibility and have ensured that our facilities meet ADA standards, so everyone can visit us comfortably. If you prefer banking from your vehicle, take advantage of our drive-thru service where you can handle deposits and withdrawals without leaving your car. Our operating hours are designed with your busy schedule in mind. We're open Monday through Friday from 8:30 AM to 5:30 PM, ready to assist you with all your financial needs. For those who need cash outside of regular hours, we also offer ATM services right on-site. While members can visit us at 3872 Guess Rd, official correspondence should be sent to the same address for consistency. If you have any questions or need assistance, don't hesitate to reach out to us at 919-477-3634. Our friendly staff is here to help! We invite you to come by and discover how State Employees' can support your financial journey. Whether you're looking for personal banking options, auto loans, or simply need advice on managing your finances, we're here for you every step of the way!

Member Eligibility

At State Employees', we believe that everyone deserves the opportunity to join a supportive community that prioritizes your financial well-being. Becoming a member is easy and welcoming! If you live, work, or worship in the area, or if you're related to someone who does, you may already be eligible to join us. Our membership extends to those associated with various organizations, making it accessible for many. For a detailed look at all eligibility criteria, feel free to visit our website at http://www.ncsecu.org/join#eligibility. Once you find out you're eligible, opening an account is a breeze! You can kickstart your journey with us by visiting our account opening page at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (919) 477-3634 for assistance. We're here to help you navigate the process and start enjoying the many benefits of being part of State Employees', located at 3872 Guess Rd Durham Nc 27705. Join us today and experience the difference of being a valued member in our community!

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

Imagine having a reliable partner to handle your payment processing, allowing you to focus on what you do best running your business. Our merchant services offer secure payment options that help streamline transactions, making it easy for you to accept payments from customers. Whether you run a retail shop or a service-based company, our services adapt to fit your needs. Visit us at 3872 Guess Rd Durham Nc 27705 in Durham, NC or call us at (919) 477-3634 to explore how our business banking and commercial services can elevate your enterprise today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With ATMs available for quick withdrawals and balance checks, accessing your cash is easy wherever life takes you. Plus, our drive-thru services allow for simple transactions without leaving the comfort of your vehicle. No matter what financial journey you're on, State Employees' is here to support you every step of the way. If you'd like to learn more about any of these services or have questions about how we can assist you further, don't hesitate to reach out! Call us at (919) 477-3634 today or visit us at Durham - Guess Road for personalized assistance tailored just for you. Your financial well-being is our priority!

Auto Loans & Vehicle Financing

Need a new car? Our auto loans provide affordable financing options that make getting behind the wheel easier than ever. We work with you to find a plan that fits your budget, so you can enjoy your new ride without worrying about high payments.

Business Banking

For those running a business, our business banking services include merchant services and business loans. We understand the challenges business owners face and are here to provide financial solutions that help you thrive. Think of us as an extension of your team, helping you manage cash flow and support growth.

Credit Cards with Rewards

Enjoy shopping and earning rewards at the same time with our credit cards! With various perks tailored to everyday spending, you can maximize every dollar spent while building credit. Imagine earning points on groceries or gas that you can redeem for exciting rewards it's all part of being a member at State Employees'.

Mortgage Loans & Refinancing

If you're looking to buy a home or refinance your existing mortgage, our mortgage loans are designed to meet your specific needs. With personalized guidance throughout the process, we make homeownership accessible and manageable. Picture yourself settling into your dream home with confidence, knowing you've got a great deal on your mortgage.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. From checking balances to transferring funds or paying bills on the go, managing your finances has never been simpler or more accessible.

Personal Banking

Our personal banking options include checking and savings accounts tailored to fit different lifestyles. Whether you're saving for a vacation, managing day-to-day expenses, or planning for the future, our accounts offer competitive rates and user-friendly features. Imagine easily tracking your savings goals through our online banking platform while enjoying the peace of mind that comes with secure access.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans can help you handle them without stress. Whether it's for medical bills, home repairs, or consolidating debt, we offer flexible terms to fit your situation. You'll appreciate having a trusted partner by your side during these times.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7, allowing you to check your account balances, transfer funds, and pay bills at your convenience. You can easily access our services through our website at https://www.ncsecu.org/. If you prefer managing your finances on the go, our mobile application is also available for download, giving you the freedom to bank from your smartphone. Need to send money quickly? Our mobile payments feature lets you make secure transactions without any hassle. Plus, while person-to-person transfers aren't available right now, we're focused on delivering other user-friendly features that enhance your banking experience.

Security and Accessibility

When it comes to security, we've got you covered. Our electronic signature authorization process makes signing documents quick and secure. You can also opt for e-statements to manage your financial records without the clutter of paper statements available whenever you need them. With all these tools at your fingertips, managing your accounts has never been easier or more efficient. Whether you're at home or on the move, State Employees' ensures that your banking needs are met with ease. Experience the convenience of modern banking today!

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 committed to building a solid financial foundation that benefits all our members. 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. 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. Additionally, 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 robust; with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we support your 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 who 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 3872 Guess Rd Durham Nc 27705 or call (919) 477-3634 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. We provide flexible terms and competitive rates to make financing straightforward and accessible.

Credit Lines

For those who need a little extra flexibility, our total credit lines amounting to $18,909,000,000 give members access to funds whenever they need them without the hassle of reapplying for a loan each time. It's an ideal solution for managing both personal and business-related costs. Our dedicated team at State Employees', located at 3872 Guess Rd Durham Nc 27705, Durham, NC, is ready to assist you every step of the way. If you're interested in exploring refinancing options or checking your eligibility for any of our loan products, don't hesitate to reach out. You can contact us at (919) 477-3634 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. Your financial journey deserves support tailored just for you. Let us help guide you towards making informed decisions that align with your 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 work closely with you to find an option that fits your budget and helps you secure a place to call home.

Unsecured Credit Card Loans

Managing finances effectively is crucial, which is why we also offer flexible terms on unsecured credit card loans, with a total of $1,177,171,541 in loans helping members keep their spending in check while earning rewards. This product provides peace of mind when unexpected expenses arise.

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. 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 means you receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). One of the key benefits of using LendMesh is its commitment to Verified Data. All loan offers come from legitimate financial institutions, ensuring transparency in the rates you see. Additionally, LendMesh stands out because it has No Sponsored Listings; lenders are not prioritized based on paid promotions. This guarantees that you get unbiased results when comparing loans. Another advantage is Real-Time Rate Comparisons. LendMesh provides up-to-date loan rates from multiple institutions, helping users make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're ready to take control of your borrowing options, 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.*

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