Nc State Employee Credit Union

Situated in Fayetteville’s vibrant community, the State Employees' Credit Union branch at 124 McArthur Rd is your trusted local partner for comprehensive financial services. Whether you’re looking to secure some of the best auto loans with flexible vehicle financing or simplify your personal banking through convenient checking and savings accounts, this branch offers friendly, expert support tailored to your unique needs. Open Monday through Friday from 8:30 AM to 5:30 PM, it’s easy to stop by for personalized guidance that fits your schedule.
Serving over 2.8 million members statewide with assets exceeding $57 billion, this Fayetteville location also provides competitive mortgage loans and refinancing options designed to make homeownership more attainable. Small businesses can benefit from merchant services and business loans crafted 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 124 McArthur Rd or call 910-488-1919 today to experience community-focused service. 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, where we believe in empowering our members through personalized financial services and community support. Located at 124 Mcarthur Rd, Fayetteville, NC 28311, our branch has been serving the community since 1937. With over 2.8 million members and total assets exceeding $57 billion, we are committed to providing the highest quality banking experience. At State Employees', our team of dedicated professionals is here to help you achieve your financial goals. Under the leadership of CEO Leigh Brady and Board President Mona Moon, we have cultivated a culture of trust, reliability, and accessibility. Our branch is staffed by 8,258 employees, all working tirelessly to ensure that your banking needs are met with care and expertise. Whether you're looking for checking and savings accounts, auto loans, or mortgages, we offer a wide range of services tailored to fit your lifestyle. As of now, we hold over $7.8 billion in deposits and have extended more than 1,194,630 loans to our valued members. Our financial health is robust, with a net worth of around $5.4 billion and cash reserves totaling $708 million, reflecting our commitment to stability and member service. While you can visit us directly at our Fayetteville branch for all your banking needs, please note that official correspondence should be sent to the same address: 124 MCARTHUR RD, FAYETTEVILLE, NC 28311. Explore how we can support your financial journey by visiting our website at www.ncsecu.org or give us a call at 910-488-1919 during our operating hours from 8:30 AM to 5:30 PM on weekdays. Join us today and experience firsthand how State Employees' Credit Union can make a difference in your financial life!

Branch History & Mission

At State Employees', we take pride in a rich history that began in 1937, when our doors first opened to the community of Fayetteville, NC. Over the decades, we have grown from a small local credit union into a robust financial institution serving over 2.8 million members across North Carolina. Our branch at 124 Mcarthur Rd, Fayetteville, NC 28311, stands as a testament to our commitment to providing exceptional financial services while fostering community spirit. From our humble beginnings, we've achieved remarkable milestones. Today, we proudly manage total assets exceeding $57 billion and maintain a thriving membership base that reflects our dedication to meeting the financial needs of our community. Our mission is clear: to empower our members with accessible financial solutions while supporting the growth and well-being of the communities we serve. Our vision extends beyond banking; it encompasses a commitment to uplift those around us. We strive to offer personalized services that include checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Furthermore, we are dedicated to ensuring that our services remain accessible through advancements like online and mobile banking options. While members can visit us at 124 Mcarthur Rd for all their banking needs, official correspondence should be sent to our mailing address at 124 MCARTHUR RD, FAYETTEVILLE, NC 28311. We understand the importance of convenience and service accessibility; that's why we offer an ATM on-site and a drive-thru banking option for quick transactions. Our operating hours are designed with your busy schedule in mind open Monday through Friday from 8:30 AM to 5:30 PM. Our commitment doesn't stop at just providing financial services; we actively engage in community outreach programs that strengthen the fabric of Fayetteville and surrounding areas. As part of the larger State Employees' Credit Union family headquartered in Raleigh, NC, we continuously work towards enhancing member experiences through innovative solutions while upholding the highest standards of customer service. Join us today at State Employees' and experience firsthand how we can help you achieve your financial goals while being an integral part of your community! For more information or to open an account online, visit us at ncsecu.org. If you have any questions or need assistance, feel free to call us at 910-488-1919. We look forward to welcoming you!

Branch Location & Accessibility

Operating Hours and Services

Our friendly team is here to assist you from 8:30 AM to 5:30 PM on weekdays, making it convenient for you to stop by before or after work. We offer a variety of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgage options, we're here to help you make informed financial decisions. Plus, with our drive-thru banking available, quick transactions are just a lane away! For added convenience, we also have an ATM on-site, so whether you need cash or want to check your balance, we've got you covered.

Parking and Accessibility

We understand how important it is for our members to have easy access to our services. That's why we offer ample parking right outside the branch, ensuring that you can park close and get in quickly. Our facility is also fully ADA compliant, featuring ramps and accessible entrances for those who may need extra assistance.

Visit Us Today!

We invite you to come by the State Employees' branch at 124 Mcarthur Rd in Fayetteville anytime! If you have questions or need assistance before your visit, feel free to call us at 910-488-1919. Our team looks forward to serving you and helping you reach your financial goals!

Member Eligibility

Becoming a member of State Employees' is like joining a family that truly cares about your financial well-being. If you live or work in North Carolina, or if you're related to someone who does, you're likely eligible to join our community. We embrace everyone with open arms, whether you're a first-time saver or looking for support with loans and other financial services. To make it even easier, we offer various account options tailored to your needs, ensuring that every member feels valued. For detailed eligibility criteria, feel free to check out our website at http://www.ncsecu.org/join#eligibility. When you're ready to start your journey with us, opening an account is simple and can be done online at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, don't hesitate to call us at (910) 488-1919. Welcome aboard we can't wait to serve you!

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

In addition to loans, we provide essential merchant services to streamline your operations. Imagine having the tools to easily accept payments from customers whether in-person or online making transactions smoother and enhancing customer satisfaction. Our services ensure you can focus on what you do best: running your business. Visit us at 124 Mcarthur Rd Fayetteville Nc 28311 in Fayetteville, NC, or call us at (910) 488-1919 to learn more about how our business banking solutions can support your goals. Let's grow together!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive Business Banking solutions. From Merchant Services that simplify transactions to Business Loans designed to help you grow your venture, we've got the tools necessary for success.

Credit Card Options

Looking to earn rewards while you spend? Our Credit Cards with Rewards program allows you to gain points for every dollar spent, making your purchases even more rewarding.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking platforms that allow you to manage your accounts anytime, anywhere. With features like mobile payments and e-statements, keeping track of your finances has never been easier. You can also access ATMs for quick cash withdrawals or balance checks without any hassle.

In-Person Support

For those who prefer face-to-face interactions, our branch offers basic drive-thru banking services for deposits and withdrawals, along with simple transactions right from your vehicle. Our friendly staff is always ready to assist you during lobby hours from 8:30 AM to 5:30 PM on weekdays. In summary, whether you're looking for personal banking options or business solutions, State Employees' in Fayetteville provides everything you need under one roof. To learn more about how we can help you achieve your financial goals, please call us at 910-488-1919, visit us online at ncsecu.org, or stop by our branch today!

Personal Banking Solutions

We understand that everyone has unique financial needs. That's why we offer Personal Banking options that include checking and savings accounts. You can choose accounts that help you manage your daily expenses and save for future goals. If you're looking to finance a vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms to get you on the road without breaking the bank. When it comes to home ownership, our Mortgage Loans & Refinancing services can guide you through the process, whether you're purchasing a new home or looking to refinance your existing mortgage for better rates. Additionally, our Personal Loans & Debt Consolidation products help simplify your finances by combining multiple debts into one manageable payment.

Digital & Online Banking

Secure Transactions

Your security is our top priority. Our digital banking services include advanced encryption technologies to protect your personal information and transactions. Rest assured that when you bank with us online, you're in safe hands. With features like person-to-person transfers currently not offered at State Employees', we continuously strive to enhance our service offerings based on member needs. Experience the ease and accessibility of digital banking at State Employees' today. Visit us online at https://www.ncsecu.org/ to get started!

User-Friendly Features

Our mobile application enhances your banking experience further. Whether you're making payments or checking transactions, everything is just a tap away. Plus, with our mobile payments feature, you can make secure purchases directly from your device, allowing for a hassle-free shopping experience. For those who prefer going paperless, we offer electronic statements that keep your financial records organized and accessible. You can receive important documents directly in your inbox no more rummaging through piles of paperwork! And if you ever need to sign documents quickly, our electronic signature authorization service makes it easy and secure.

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 understand that in today's world, having a reliable financial partner is crucial. That's why we are proud to share insights into our strong financial foundation. With a net worth of $5,446,832,560, we maintain robust 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. Our dedication to our members is further reflected in our $133,577,509 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our performance speaks volumes; 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. 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 124 Mcarthur Rd Fayetteville Nc 28311 or call (910) 488-1919 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 competitive rates and terms that fit your budget. Plus, refinancing options may be available if you're looking to lower your monthly payments or adjust your loan terms.

Credit Lines

For those who prefer flexibility in borrowing, our credit lines totaling $18,909,000,000 provide an excellent solution. They allow you to draw funds as needed while only paying interest on what you use. This is perfect for managing cash flow or covering larger expenses without taking out a traditional loan. At State Employees', we pride ourselves on offering transparent and straightforward loan products that cater to your unique needs. If you're interested in learning more about eligibility or how to apply for any of our loan products, feel free to reach out at 910-488-1919 or visit us online at www.ncsecu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our lending options today and take the first step towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. We simplify the process of buying or refinancing a home with clear guidance and support every step of the way.

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, these options allow for easy access to funds when you need them most. Use them for everyday purchases or unexpected expenses without the stress of complicated processes.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 ensures that users receive fair and transparent offers tailored to their needs. The platform prioritizes reliability, allowing users to trust that they are viewing genuine loan options without hidden agendas.

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