Nc State Employee Credit Union

Nestled in the scenic town of Franklin, the State Employees' Credit Union branch at 245 Cunningham Rd is your friendly neighborhood destination 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 expert guidance tailored to your unique needs. Open Monday through Friday from 8:30 AM to 5:30 PM, you can easily stop by for personalized support that fits your schedule.
Serving a strong membership base with assets exceeding $57 billion, this Franklin location also shines with competitive mortgage loans and refinancing options designed to make homeownership more attainable. Local 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 245 Cunningham Rd or call 828-369-3536 today to experience warm, community-focused 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' Credit Union, your trusted financial partner located at 245 Cunningham Rd, Franklin, NC 28734. Established in 1937, we have proudly served our community for over eight decades, growing into a vital resource for our members. With a total membership of 2,847,943, we are dedicated to providing personalized banking solutions that meet the diverse needs of our members. At State Employees', we understand the importance of financial stability and growth. That's why we manage a robust total asset portfolio of $57,229,286,839 while ensuring that our members enjoy competitive rates on deposits and loans alike. Currently, our total deposits stand at $7,866,265,767, reflecting the trust and commitment our members place in us. Our leadership team is here to support you every step of the way. Under the guidance of CEO Leigh Brady and Board President Mona Moon, we continue to uphold a strong commitment to member service and community involvement. Our dedicated staff of 8,258 employees is always ready to assist you with anything from personal banking to business loans. While you can visit us at our Franklin branch for all your banking needs, please note that official correspondence should be sent to the same address: 245 CUNNINGHAM RD, FRANKLIN, NC 28734. Join us in experiencing exceptional service and a range of financial products designed just for you. Whether you're looking for checking and savings accounts or need assistance with auto loans and mortgages, State Employees' Credit Union has got you covered. Don't hesitate to reach out! Call us at 828-369-3536 today or visit our website at ncsecu.org to learn more about how we can help you achieve your financial goals.

Branch History & Mission

Join Us

We invite you to become part of the State Employees' family. Experience firsthand the benefits of being a member-focused credit union dedicated not only to your financial success but also to fostering a thriving community. For more information or to join us today, call us at 828-369-3536 or visit our website at ncsecu.org. Let's work together towards a brighter financial future!

Modern Services

As part of our dedication to serving you better, we have embraced modern technology and ensure that all services are ADA compliant. Our digital platforms provide easy access for members who prefer online banking and mobile payments. Whether you need assistance with basic transactions at our drive-thru or want to check your balance at an ATM available right here at the branch you'll find it all under one roof. While members can visit us at 245 Cunningham Rd, official correspondence should be sent to 245 CUNNINGHAM RD, FRANKLIN, NC 28734 if different from our branch address.

Our Mission

Our mission at State Employees' Credit Union is simple yet powerful: to provide exceptional financial services while supporting our community. We believe that everyone deserves access to affordable financial solutions, and we strive to empower our members with the tools they need for financial success. We focus on building lasting relationships, ensuring that every member feels valued and understood. In addition to our financial offerings, we actively engage in community outreach efforts, partnering with local organizations to uplift and support those in need. This commitment to giving back is central to who we are as a credit union.

Branch Location & Accessibility

Call to Action

We invite you to come by and meet our friendly team at the State Employees' branch. If you have any questions or need assistance before visiting, don't hesitate to give us a call at 828-369-3536. We look forward to serving you!

Nearby Landmarks and Accessibility

Our branch is easily accessible and close to local landmarks, making it simple for you to find us. If you're in the area, swing by after a visit to the nearby parks or shops. We have ample parking available right outside the branch, with ADA-compliant features ensuring everyone can access our services comfortably.

Operating Hours and Services

We're open Monday through Friday from 8:30 AM to 5:30 PM, ready to assist you with a range of services. From personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards, we've got something for everyone. Our drive-thru service allows for quick transactions without leaving your car, so you can manage your banking on the go. Plus, with ATM availability right on site, cash withdrawals and balance checks are just a step away!

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a supportive community that prioritizes your financial well-being. Becoming a member is simple and welcoming! If you live, work, or worship in the area, or if you're a family member of someone who does, you're likely eligible to join us. We strive to make our membership accessible to all, allowing you to enjoy the many benefits we offer, from competitive loan rates to personalized service tailored just for you. For detailed eligibility criteria, feel free to check out our resource at http://www.ncsecu.org/join#eligibility. Opening an account with us is straightforward and can be done online or by visiting our branch located at 245 Cunningham Rd Franklin Nc 28734. Should you have any questions or need assistance during the process, don't hesitate to call us at (828) 369-3536. We're here to help you take this important step towards better financial health and community support!

Business Banking & Commercial Services

Financing 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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Merchant Services

But it's not just about loans. Our merchant services can simplify your payment processing, allowing you to focus more on what you do best running your business. Imagine having the ability to accept payments seamlessly and securely, whether online or in-store. This practical benefit can enhance customer satisfaction and drive sales. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Visit us at 245 Cunningham Rd Franklin Nc 28734, Franklin, NC, or call us at (828) 369-3536 to learn how we can assist you in achieving your business goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're thinking about purchasing a vehicle, our Auto Loans & Vehicle Financing options make it easier than ever. We provide competitive rates and flexible terms that suit various budgets. Whether it's a new car or a reliable used vehicle, we're here to help you hit the road with confidence.

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our Business Banking services, including merchant services and business loans, are designed to support local businesses in their growth and operations. We understand that running a business is challenging; we're here as your partner every step of the way.

Convenient Access and Support

To ensure that banking is as convenient as possible for you, we also offer ATM & Cash Withdrawal Services along with basic drive-thru banking options for quick deposits and withdrawals. You'll find that managing your finances has never been easier with access to these essential services right at your fingertips. At State Employees', we're committed to enhancing your banking experience with friendly service and support whenever you need it. If you'd like more information on any of these services or have questions about how we can assist you further, don't hesitate to reach out! Call us today at 828-369-3536 or visit us online at ncsecu.org. Your financial success starts here!

Credit Cards with Rewards

For everyday purchases, consider our Credit Cards with Rewards program. Not only do they provide flexibility in spending, but they also offer rewards that can be redeemed for travel, cash back, or merchandise making every dollar spent work harder for you.

Home Financing Options

For those looking to settle down or refinance their current mortgage, our Mortgage Loans & Refinancing services are designed to help you navigate the home buying process smoothly. We take the time to explain all available options so you can choose what fits your lifestyle best.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services that include checking and savings accounts designed for ease and convenience. Imagine having access to your funds anytime you need them through our user-friendly online and mobile banking platforms. With just a few taps on your smartphone, you can check balances, transfer money, or pay bills without having to visit a branch.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services offer financial relief when needed most. Whether you're facing medical bills or planning a big purchase, we can assist you in finding the right loan solution tailored specifically for you.

Digital & Online Banking

Convenient Features

With our electronic signature authorization feature, signing documents has never been easier. You can complete transactions quickly without the hassle of printing and mailing forms. Plus, e-statements are available for those who prefer to keep their paperwork organized digitally no more cluttered mailboxes! For those who like to manage their money on the move, our mobile application is a game changer. Available for download, it offers all the functionality of our online banking platform right at your fingertips. You can even set up mobile payments for quick purchases without needing cash or cards. Additionally, while person-to-person transfers aren't currently offered, we're always looking for ways to enhance your banking experience. Our goal is to provide accessible and user-friendly solutions that allow for real-time account management. At State Employees', we believe in making banking simple and secure so you can focus on what really matters in life. Join us today and experience the ease of digital banking!

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 providing a safe and reliable banking environment where your money can grow. 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. This solid foundation is reflected in our net worth ratio of $971, which ensures 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 focus on benefiting you through better loan rates, lower fees, and exclusive perks. Our strong position is also supported by $133,577,509 in undivided earnings. These funds are reinvested in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. 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. Our operational efficiency is evident as shown by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We are proud to have 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. Additionally, we have built a strong community with a total of 5,850,875 share accounts, reflecting the trust placed in us by our growing member base. 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 245 Cunningham Rd Franklin Nc 28734 or call (828) 369-3536 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. Whether you're looking for financing for a brand-new model or a reliable used vehicle, we have options tailored just for you.

Credit Lines

If you're looking for additional flexibility in your finances, consider our credit lines totaling $18,909,000,000. They provide easy access to funds whenever you need them without the hassle of traditional loan processes.

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 dedicated to guiding you through every step of the mortgage process so that you can focus on making your house a home.

Refinancing Options

For those considering refinancing existing loans whether it be auto loans or mortgages we're here to help! Our team can guide you through eligibility options and how refinancing can save you money or provide better terms. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. If you have questions or want to learn more about our loan offerings and how they can benefit you personally, don't hesitate to reach out! Call us at 828-369-3536 today.

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. Our credit cards come with competitive rates and rewards to suit your lifestyle.

Loan Aggregator

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