State Employees' Credit Union Durham NC: Quick Personal Loans & Business Banking

Introduction

Welcome to State Employees', located at 4055 Durham Chapel Hill Blvd, Durham, NC 27707. Since our establishment in 1937, we've been dedicated to serving our community with trust and reliability. Our credit union proudly supports over 2.8 million members, helping them achieve their financial goals through a wide range of services. At State Employees', we understand that every member's journey is unique. That's why we offer tailored banking solutions including personal checking and savings accounts, auto loans, mortgage options, and business banking services. With total assets exceeding $57 billion and total deposits reaching $7.87 billion, we have the stability and resources to support your financial needs effectively. Our leadership team, headed by CEO Leigh Brady and Board President Mona Moon, is committed to ensuring that each member experiences personalized service. Our dedicated staff of 8,258 employees stands ready to assist you from Monday to Friday, between 8:30 AM and 5:30 PM. While members can visit us at our branch for direct assistance, official correspondence should be sent to our mailing address at 4055 CHAPEL HILL BLVD, DURHAM, NC 27707. We take pride in being a vital part of the Durham community, contributing positively through various initiatives and services that empower our members financially. Whether you're looking for a new loan or seeking advice on managing your finances better, we are here for you. Feel free to reach out to us at 919-682-0622 or explore more about our offerings on our website here. Join us today, and let's work together toward a brighter financial future!

Branch History & Mission

Community Commitment

State Employees' is dedicated to making a positive impact beyond just banking. We actively engage in community outreach efforts that aim to uplift those around us. Whether it's through partnerships with local organizations or hosting financial literacy workshops, we strive to empower our members with the knowledge they need to make informed financial decisions. In addition to traditional banking services, we have embraced digital advancements such as online banking and mobile payments to ensure convenience for our members. Our branch also prioritizes accessibility by complying with ADA standards and offering drive-thru banking options for quick transactions. While members can visit us at 4055 Durham Chapel Hill Blvd for in-person assistance during our operating hours of Monday through Friday from 8:30 AM to 5:30 PM, official correspondence should be sent to our mailing address at 4055 CHAPEL HILL BLVD, DURHAM, NC 27707.

Join Us

As we continue this journey together with our members and the community at large, we invite you to become a part of the State Employees' family. Experience firsthand the dedication and care that define our mission. Whether you're looking for a reliable banking partner or seeking ways to enhance your financial wellbeing, we're here for you every step of the way. For more information or to open an account today, please call us at 919-682-0622 or visit us online at ncsecu.org. Join us in building a brighter future together!

Our Journey

Located at 4055 Durham Chapel Hill Blvd, our branch is conveniently situated near various local landmarks, making it easy for members to access our services. Over the decades, we've witnessed tremendous growth and evolution, adapting to the changing needs of our community while staying true to our core values of trust and service. Our mission is simple yet profound: to provide exceptional financial services while supporting the wellbeing of our members and the wider community. We believe that when individuals thrive financially, entire communities flourish. This belief drives us to offer a wide array of services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and more.

Branch Location & Accessibility

Welcome to the State Employees' branch located at 4055 Durham Chapel Hill Blvd in Durham, NC! We understand that convenience is key when it comes to banking, and our branch is ideally situated to serve you. Nestled near local landmarks, you can easily stop by while running errands or heading to nearby parks. Our branch is designed with accessibility in mind. Whether you're visiting for a quick transaction or need assistance with your banking needs, we have ADA-compliant features, including ramps and ample parking space to ensure that everyone feels welcome. Plus, our drive-thru service allows for quick and easy banking from the comfort of your vehicle. We invite you to visit us during our operating hours, Monday through Friday from 8:30 AM to 5:30 PM. Our friendly staff is ready to assist you with a wide range of services, including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. Whether you're looking to open a new account or simply need to withdraw cash from our ATM available right at our location we are here for you. While members can visit us at 4055 Durham Chapel Hill Blvd, official correspondence should be sent to the same address. If you have any questions or need further assistance, feel free to give us a call at 919-682-0622. We look forward to welcoming you soon!

Member Eligibility

Joining the State Employees' community is like becoming part of a family that truly cares about your financial well-being. To become a member, you'll need to meet a few friendly eligibility criteria. If you live, work, or attend school in North Carolina, you're likely already on the right path! This means that individuals connected to state employees are especially welcome here. We believe everyone deserves access to quality financial services, and at State Employees', we're committed to making banking easy and accessible for all our members. For more detailed information about eligibility requirements, you can check out this resource. Once you feel ready to join us, opening an account is straightforward! Just visit our website where you'll find all the steps laid out clearly for your convenience. If you have any questions or need assistance along the way, don't hesitate to give us a call at (919) 682-0622. We're excited to welcome you to State Employees', located at 4055 Durham Chapel Hill Blvd Durham Nc 27707, where together we can achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify payment processing for your business. Whether you're running a retail store or a service-based company, our solutions allow you to accept payments easily and securely. This means more time focusing on what you do best serving your customers and growing your business. Visit us at 4055 Durham Chapel Hill Blvd Durham Nc 27707 in Durham, NC or call us at (919) 682-0622 to learn more about how we can support your business banking needs!

Supporting 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. - 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 entrepreneurs and small business owners, we offer specialized services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is ready to support your business goals.

Convenient Access

In today's fast-paced world, convenience matters. That's why we provide robust online and mobile banking services that allow you to access your accounts anytime, anywhere. From checking balances to transferring funds, managing your money has never been easier. Additionally, our branch at 4055 Durham Chapel Hill Blvd Durham Nc 27707 offers essential ATM and cash withdrawal services, along with basic drive-thru banking options for quick deposits and withdrawals. We understand that financial needs can change over time, which is why we strive to stay adaptable and responsive to our members' requirements.

Credit Solutions

Managing debt is a common concern for many. Our personal loans and debt consolidation services can give you the relief you need by combining multiple debts into one manageable payment. Plus, if you're looking to build or enhance your credit profile, our credit cards with rewards can be an excellent choice to earn benefits while making everyday purchases.

Get in Touch

Ready to explore how we can assist you? Visit us at State Employees', located at 4055 Durham Chapel Hill Blvd Durham Nc 27707, or call us at (919) 682-0622. Our friendly staff is eager to answer any questions you may have about our services or how to become a member. Join us today and take the first step towards achieving your financial goals!

Home Financing

For those looking to buy their first home or refinance their current mortgage, our mortgage loans and refinancing options provide the support you need. Picture settling into your new home with peace of mind knowing you have reliable financing from people who care about your success.

Personal Banking

Our personal banking services are designed with you in mind. We offer various checking and savings accounts that can help you manage your finances efficiently. Imagine having an account that fits your lifestyle whether you're saving for a dream vacation or just need a safe place for your everyday expenses. If you're considering purchasing a new car, our auto loans and vehicle financing options make it easy and affordable to get behind the wheel. With competitive rates and flexible terms, we can help turn your dream of driving a new vehicle into reality.

Digital & Online Banking

Key Services Offered

Our online banking services are available 24/7, giving you the flexibility to check balances, make transfers, and pay bills whenever it suits you. If you're on the go, our mobile application ensures that all these features are just a tap away on your smartphone. Whether you're at home or out and about, you can easily access your financial information. We also provide electronic statements, making it easy for you to keep track of your finances without the clutter of paper. With e-statements available at your fingertips, staying organized has never been simpler. Plus, if you need to sign documents quickly, our electronic signature authorization feature allows for secure and fast transactions.

Secure Transactions Made Easy

When it comes to security, rest assured that your information is protected with top-notch measures in place. Our online banking system is designed with user-friendly features that help ensure a safe banking experience. You can also utilize mobile payments for quick transactions at stores or restaurants just another way we're making banking easier for you. While person-to-person transfers are not currently offered, we encourage you to explore all the other ways State Employees' can support your financial needs through our digital services. In summary, our digital and online banking solutions at State Employees' prioritize convenience while ensuring that your finances remain secure. Experience easy account management today by visiting https://www.ncsecu.org/ !

Financial Strength

A Growing Member Base

Total Share Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $574,556,810. 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 4055 Durham Chapel Hill Blvd Durham Nc 27707 or call (919) 682-0622 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. Our capacity to lend is evident with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting members' financial goals across various sectors.

Member-Centric Resources

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.

Operational Efficiency

Our $0 reflects our operational efficiency, 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.

Solid 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 $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

Additional Financing Options

For those needing additional support, our total credit lines amount to $18,909,000,000, offering further options for managing larger purchases or unexpected expenses. If you're ready to explore these opportunities or have questions about eligibility and refinancing options, don't hesitate to reach out! You can contact us at (919) 682-0622 or visit us at our branch located at 4055 Durham Chapel Hill Blvd Durham Nc 27707, Durham, NC. Our commitment is to provide personalized service and help you navigate through your financial journey with ease. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us partner with you for all your lending needs!

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, our team is here to assist you throughout the financing process.

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 provide you with affordable solutions that fit your budget and lifestyle. If you're considering refinancing an existing mortgage, our representatives can help guide you through eligibility options and ensure you find a plan that works best for you.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why 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. With easy access to funds when you need them most, our credit cards come with added benefits designed for your convenience.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans