Nc State Employee Credit Union

Located in the heart of Elizabeth City, the State Employees' Credit Union branch at 909 Halstead Blvd is your welcoming community hub for trusted financial services. 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 provides friendly, expert guidance tailored to your unique goals. Open Monday through Friday 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 Elizabeth City location also offers competitive mortgage loans and refinancing options crafted to make homeownership more accessible. Small business owners can benefit from merchant services and business loans designed to help their ventures thrive. 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 909 Halstead Blvd or call 252-338-4191 today to experience local service that puts you first. Discover how our signature auto loans and mortgage programs can help you confidently accelerate toward your financial future!

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' Credit Union, your trusted financial partner located at 909 Halstead Blvd, Elizabeth City, NC 27909. Since our establishment in 1937, we have proudly served over 2.8 million members, providing a broad range of financial services designed to meet the needs of individuals and businesses alike. At State Employees' Credit Union, we understand that every member's financial journey is unique. That's why we offer personalized services, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment to community and member satisfaction is reflected in our impressive total assets of $57,229,286,839 and total deposits reaching $7,866,265,767. Our leadership team, led by CEO Leigh Brady and Board President Mona Moon, is dedicated to fostering a welcoming environment where you can feel confident about your financial decisions. With a total workforce of 8,258 employees, we are here to assist you with expert guidance and support. While members can visit us at our branch for in-person services including access to our ATM and drive-thru banking official correspondence should be sent to our mailing address: 909 HALSTEAD BLVD, ELIZABETH CITY, NC 27909. Explore the many ways we can assist you on your financial path by visiting our website at www.ncsecu.org or call us at 252-338-4191 today! We look forward to serving you and helping you achieve your financial goals.

Branch History & Mission

At State Employees' Credit Union, we take pride in our rich history and unwavering commitment to our members in Elizabeth City, NC. Since opening our doors in 1937, we have grown from a small local financial institution into a trusted partner for over 2.8 million members, all while maintaining our core mission of providing excellent financial services and fostering community support. Located at 909 Halstead Blvd, our branch is easily accessible and surrounded by the vibrant community we serve. With a mission to improve the lives of our members through affordable financial solutions, we offer a range of services that include personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking options. Our aim is not just to meet your financial needs but also to empower you towards achieving your goals. As part of our evolution, we've embraced advancements in technology to ensure that our members can manage their finances conveniently. Our digital services include online banking and mobile payments, making it easier than ever to stay connected with your finances. We are also proud to be compliant with ADA standards, ensuring that everyone can access our services without barriers. Our branch's success is reflected in our impressive total assets of $57.2 billion, which allows us to provide competitive rates and robust financial products. We understand the importance of community engagement; therefore, we actively participate in local events and initiatives aimed at uplifting those around us. This commitment to community outreach remains central to who we are as a credit union. For any correspondence, please note that while members can visit us at our physical location on Halstead Blvd, official mail should be sent to the same address: 909 HALSTEAD BLVD, ELIZABETH CITY, NC 27909. We invite you to experience the benefits of membership with State Employees' Credit Union. Whether you need assistance with personal finance or are looking for ways to save for the future, we are here for you every step of the way. Join us today and become part of a community-focused financial family dedicated to your success! If you have questions or need assistance, don't hesitate to reach out at 252-338-4191 during our operating hours from 8:30 AM to 5:30 PM on weekdays. Your journey towards financial well-being starts here at State Employees' Credit Union!

Branch Location & Accessibility

Easy Access and Parking

At our branch, you'll find ample parking available for our members. We prioritize accessibility for everyone, ensuring that our facilities meet ADA standards. With ramps and clear pathways, we make it simple for all visitors to navigate our space comfortably.

Get in Touch

We invite you to stop by and explore what we have to offer! If you have any questions or need assistance before your visit, feel free to give us a call at 252-338-4191. At State Employees' Credit Union, we're dedicated to providing exceptional service and support for all our members. We look forward to seeing you soon!

Operating Hours

We understand that life can be busy. That's why our lobby hours are designed to accommodate your schedule. We're open Monday through Friday from 8:30 AM to 5:30 PM, allowing you plenty of time to visit us during the week. Whether you need assistance with personal banking or have questions about loans, our friendly staff is here to help.

Services Available

State Employees' Credit Union offers a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we aim to provide solutions that work for you. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. Plus, if you're in a hurry, take advantage of our drive-thru service for simple transactions without leaving your car. While members can visit us at 909 Halstead Blvd for all their banking needs, official correspondence should be sent to the same address listed above.

Member Eligibility

Joining the State Employees' community feels like stepping into a world where your financial well-being is a priority. If you're wondering whether you can become a member, let me assure you that eligibility is more accessible than you might think! At State Employees', we welcome individuals who live, work, or worship in our local area, along with their family members. It's our way of fostering a supportive network that empowers everyone to achieve their financial goals together. The benefits of membership include access to a variety of financial services designed with you in mind, such as checking and savings accounts, auto loans, and personalized support. Getting started is simple! For full details on eligibility requirements, feel free to check out our dedicated page at http://www.ncsecu.org/join#eligibility. When you're ready to open an account, just visit https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu for a smooth and straightforward process. If you have any questions or need assistance, don't hesitate to give us a call at (252) 338-4191. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced market, having reliable merchant services can make all the difference. Imagine being able to accept payments easily from customers, whether in-store or online. Our merchant services ensure that transactions are smooth and secure, allowing you to focus on what you do best running your business. Visit us at 909 Halstead Blvd Elizabeth City Nc 27909 in Elizabeth City, NC or give us a call at (252) 338-4191 to learn more about how we can partner with you on your journey to success!

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 Solutions

For entrepreneurs and business owners in Elizabeth City, we offer specialized business banking services. From merchant services that help streamline your transactions to business loans designed to fuel growth, we're here to support your ventures with resources tailored specifically for you.

Embrace Digital Convenience

In today's fast-paced world, convenience is key. That's why State Employees' provides robust online and mobile banking features. You can manage your accounts from anywhere using our mobile application or website whether it's checking balances, transferring funds, or paying bills. Additionally, access cash easily at our ATM locations or use our drive-thru service for simple transactions like deposits and withdrawals.

Personal Banking Made Easy

We understand that managing your money can sometimes feel overwhelming. That's why our personal banking services are here to simplify the process. You can open checking and savings accounts that fit your lifestyle, making it easy to save and access your funds when needed. Need a new car? Our auto loans and vehicle financing options will help you hit the road without breaking the bank. Plus, if you're considering home ownership, our mortgage loans and refinancing opportunities can guide you through every step.

Supporting Your Financial Goals

Many of us face unexpected expenses or dreams that require extra funding. With our personal loans and debt consolidation services, you can tackle those financial hurdles head-on. And don't forget about our credit cards with rewards that allow you to earn as you spend perfect for those who love to travel or shop!

Your Trusted Local Partner

With a commitment to serving our community, we strive to make banking accessible for everyone in Elizabeth City. Our friendly staff is always ready to assist you with any questions or concerns you may have about your accounts or services. If you're ready to experience personalized banking that truly understands your needs, give us a call at 252-338-4191 or visit us at 909 Halstead Blvd today! Discover how State Employees' can help secure your financial future while being there for you every step of the way.

Digital & Online Banking

Key Features

Our online banking services include e-statements, which provide a quick and secure way to view your account statements without the clutter of paper. You can sign up for electronic statements with ease, ensuring you stay organized while helping the environment. Plus, if you need to authorize any documents, our electronic signature authorization makes it simple and safe. Managing your money on the go is effortless with our mobile application. Whether you want to check your balance, transfer funds, or pay bills, everything is just a tap away. And if you're looking for a quick way to pay friends or family, our mobile payments feature lets you send money instantly right from your phone.

Security and Accessibility

We prioritize your security with robust measures in place to protect your information while providing user-friendly features that enhance your banking experience. Our online banking platform ensures that all transactions are secure so that you can focus on what matters most your financial well-being. With real-time account management at your fingertips, accessing your funds has never been easier. Enjoy the peace of mind knowing that whether it's day or night, our online services are ready to assist you at State Employees'. Join us today and discover how our digital banking solutions can simplify your financial life!

Financial Strength

Commitment to Member Savings

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.

Investing in the Future

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 for lending is reflected in our $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting your financial goals across various sectors.

Member Trust

Total Share Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. The funds available for lending and investments (Net Shares) amount to $574,556,810, demonstrating our ability to support both individual and community needs. 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 909 Halstead Blvd Elizabeth City Nc 27909 or call (252) 338-4191 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.*

Operational Efficiency

Our operational efficiency is highlighted by our $0, which enables 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 $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 Offerings

For those looking for more options, we have various personal loan products available. Whether you need funds for debt consolidation or unexpected expenses, our personal loans can provide the support you need. If you're interested in refinancing any existing loans, be sure to ask about our eligibility options. You can reach us at (252) 338-4191 during our operating hours from 8:30 AM to 5:30 PM to learn more about our loan offerings or visit us at 909 Halstead Blvd Elizabeth City Nc 27909. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Discover how our loan products can empower your financial journey today!

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 financing options for both new and used vehicles, ensuring that you can find the perfect fit for your budget.

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. Our credit card products come with competitive interest rates and rewards programs that can benefit your everyday spending.

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 are committed to guiding you through every step of the mortgage process, whether you are a first-time buyer or looking to refinance your existing loan.

Loan Aggregator

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