State Employees' Credit Union Flat Rock NC: Affordable Vehicle Loans & Personal Banking

Introduction

At State Employees' Credit Union, we take pride in being more than just a financial institution; we're a trusted partner for our community in Flat Rock, NC. Established in 1937, we've built strong relationships with our members over the decades, serving 2,847,943 individuals who rely on us for their banking needs. Located at 90 Commercial Blvd, our branch is dedicated to providing personalized service and a range of financial products designed to help you achieve your goals. While members can visit us at 90 Commercial Blvd, Flat Rock, NC 28731, official correspondence should be sent to 90 COMMERCIAL BLVD, E FLAT ROCK, NC 28726. With total assets amounting to an impressive $57,229,286,839 and total deposits reaching $7,866,265,767, we are committed to ensuring that your hard-earned money is safe and secure. Our net worth stands at $5,446,832,560, demonstrating our financial stability and strength. Our diverse offerings include everything from checking and savings accounts to auto loans and mortgages. We currently have 1,194,630 loans outstanding ready to support your personal or business endeavors. Under the leadership of CEO Leigh Brady and Board President Mona Moon, our team of 8,258 employees works tirelessly to provide exceptional service and innovative solutions tailored for you. Whether you're looking for a simple transaction or seeking guidance on a complex financial decision, we're here to assist you every step of the way. For any inquiries or assistance, feel free to reach out to us at 828-697-6476 or explore more about our services on our website here. Join us today and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

Community Engagement

Throughout our history, we have actively participated in various community outreach initiatives. Partnering with local organizations allows us to give back and make a meaningful impact in Flat Rock and surrounding areas. We are dedicated to supporting local events, educational programs, and charitable causes that enrich the lives of those we serve.

Looking Ahead

As we continue moving forward into the future, we're committed to incorporating digital advancements while maintaining accessibility for all members. Our online banking options provide flexibility and convenience without sacrificing personal service a balance we strive for every day. We invite you to join our credit union family today! Experience the benefits of membership with State Employees' Credit Union where your financial well-being is our top priority. For more information or assistance, feel free to reach out at 828-697-6476 or visit us online at ncsecu.org. Join us as we continue this journey together!

Our Mission

Our mission is straightforward: to empower our members through accessible financial services while fostering community engagement and support. We believe that when our members thrive, so does the community around us. This commitment drives us to offer a wide range of services from checking and savings accounts to auto loans and mortgages designed to help individuals and families achieve their financial goals. While members can visit us at 90 Commercial Blvd, official correspondence should be sent to 90 COMMERICAL BLVD, E FLAT ROCK, NC 28726. This distinction ensures that we can serve you promptly and effectively.

Branch Location & Accessibility

Connect With Us

If you have any questions or would like more information about what we can do for you, don't hesitate to give us a call at 828-697-6476. We look forward to welcoming you into our branch and helping you achieve your financial goals!

Convenient Access and Nearby Landmarks

Our Flat Rock branch is just a stone's throw away from popular local spots, including nearby restaurants and shops. This makes it not only convenient for banking but also a perfect pit stop while you're out running errands. We prioritize accessibility for all our members, with features like ramps and ADA-compliant facilities ensuring everyone can comfortably visit us.

Operating Hours

Our lobby hours are designed with your busy schedule in mind. We're open Monday through Friday from 8:30 AM to 5:30 PM. Feel free to stop by during these hours; our dedicated staff will be ready to assist you with everything from personal banking needs to loan inquiries.

Parking and Drive-Thru Services

We know that convenience matters. That's why we offer ample parking right outside our branch. Plus, if you're on the go, take advantage of our drive-thru service! It's designed for quick deposits, withdrawals, and other simple transactions without leaving your car.

Services Offered

At the State Employees' branch in Flat Rock, we provide a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing options, we've got you covered. You can also enjoy the convenience of ATM access for quick cash withdrawals or balance checks whenever you need them.

Member Eligibility

Becoming a member of State Employees' is like joining a caring community where your financial well-being is our priority. If you live, work, or attend school in the area, you're likely already eligible! We welcome individuals from various backgrounds, and becoming part of our family opens the door to a range of benefits designed just for you. From competitive loan rates to personalized service, we strive to support our members every step of the way. To get started on your membership journey at State Employees', you can easily check the detailed eligibility criteria by visiting this link. Once you see that you're eligible, opening an account is a breeze! Just head over to our online application at this page or give us a call at (828) 697-6476 if you have any questions. We're excited to help you take this important step toward better banking!

Business Banking & Commercial Services

Business 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 offer merchant services that simplify payment processing for your business. Imagine being able to accept payments quickly and easily while managing your cash flow effectively. Our services not only streamline transactions but also enhance customer satisfaction, allowing you to focus more on what truly matters growing your business. Explore how State Employees' can empower your business journey. Connect with us today at (828) 697-6476 or visit us at 90 Commercial Blvd Flat Rock Nc 28731 in Flat Rock, NC!

Comprehensive List Of Services

ATM and Drive-Thru Services

For those quick transactions, we have convenient ATM & Cash Withdrawal Services, ensuring you can access your money whenever you need it. Our basic drive-thru banking allows for easy deposits and withdrawals without leaving your vehicle perfect for busy days!

Business Banking Solutions

For local businesses in need of financial support, we offer comprehensive Business Banking solutions. This includes Merchant Services & Business Loans, which can help you manage transactions efficiently and invest in your business's growth.

Digital Banking Convenience

In today's fast-paced world, having access to your accounts anytime is crucial. That's why we provide robust Online & Mobile Banking features that allow you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. With our secure mobile app, managing your finances has never been easier.

Personal Banking Services

We understand that managing your finances can be a challenge. That's why we offer Checking & Savings Accounts designed to help you save and grow your money effortlessly. Our accounts come with no monthly fees and great interest rates, making it easy for you to reach your financial goals. When it comes to purchasing a vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. Imagine driving off in your dream car without breaking the bank! Additionally, if you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services will guide you through the process with ease. Need some extra cash? Our Personal Loans & Debt Consolidation options can help simplify your financial commitments, allowing you to focus on what matters most. Plus, our Credit Cards with Rewards let you earn points on everyday purchases turning spending into savings!

Your Trusted Financial Partner

At State Employees', we pride ourselves on being more than just a credit union; we're a community partner invested in your financial success. Our team is always available to answer questions or provide personalized assistance. Ready to experience these services for yourself? Give us a call at 828-697-6476 or visit us at our Flat Rock location today! We look forward to helping you achieve your financial dreams.

Digital & Online Banking

Additional Convenience

For those who love making transactions on the go, our mobile payments feature allows you to make purchases quickly and securely using your smartphone. Although person-to-person transfers aren't currently offered, we continue to provide options that meet most of your financial needs. With every feature we provide, our goal is to empower you with real-time account management and easy accessibility. From setting up alerts for transactions to making deposits via mobile check capture, managing your finances has never been simpler. If you're looking for support or have questions about any of these services, don't hesitate to reach out at (828) 697-6476. Join us today at State Employees' and discover how our digital banking solutions can enhance your banking experience!

Key Features

Our online banking service provides you with 24/7 access to your account, allowing you to check balances, transfer funds, and pay bills without needing to visit a branch. Plus, if you prefer to handle things from your mobile device, our mobile application is available to give you all the same capabilities right in your pocket. Security is also a top concern for us. We use electronic signature authorization, which means you can sign documents digitally without the hassle of printing or mailing them. You'll also enjoy the peace of mind that comes with e-statements, which are not only environmentally friendly but also safer than traditional paper statements.

Financial Strength

A Solid Foundation

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.

Commitment to Growth

Our dedication to reinvesting in our community is evident with $133,577,509 in undivided earnings. This allows us to enhance our banking tools, strengthen lending options, and improve security measures to serve our members better. Additionally, with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Focused 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.

Operational Efficiency

Our operational efficiency is reflected in 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.

Trust Built on Numbers

Net Shares (Funds available for lending and investments): $574,556,810. Total Share and Deposit 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 90 Commercial Blvd Flat Rock Nc 28731 or call (828) 697-6476 to learn more about how we can help you achieve your financial goals.

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 eyeing a brand-new model or a reliable used vehicle, we have options that suit your budget and needs.

Credit Lines and Unsecured Credit Cards

For those who need flexibility, our total credit lines amount to $18,909,000,000, giving you access to funds when you need them most. 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 can be beneficial for managing everyday expenses or unexpected costs.

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 provide personalized service to help you navigate the process smoothly, whether you're purchasing your first home or looking to refinance an existing mortgage.

Refinancing Options

If you're considering refinancing your current loans, we have various eligibility options available. Refinancing can help lower your monthly payments or shorten the loan term, allowing you to save money in the long run. Whether you're planning a big purchase or looking for ways to manage debt better, our team at State Employees', located at 90 Commercial Blvd Flat Rock Nc 28731, Flat Rock, NC, is ready to assist you. For any inquiries or assistance, feel free to reach us at (828) 697-6476 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 journey toward better financial health starts here!

Loan Aggregator

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Ensuring 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 commitment to sourcing data from legitimate financial institutions ensures fair and transparent offers for all users.

STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans