Type of Loan Offerings
Mortgage Loans
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APR
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Personal Loans
Vehicle Loans
Introduction
Welcome to State Employees' Credit Union, where our commitment to serving the community shines through every interaction. Located at 28 Oxholm Cir, Garner, NC 27529, we are proud to have been a trusted financial partner since our establishment in 1937. With over 2.8 million members, we strive to provide personalized banking services that meet your unique needs. Our branch is more than just a place to bank; it's a hub of support for our members and the surrounding community. Whether you are looking for checking and savings accounts, auto loans, mortgages, or credit cards with rewards, we have tailored solutions designed for you. As of now, our total assets stand strong at $57,229,286,839, backed by $7,866,265,767 in deposits and a net worth of $5,446,832,560. The leadership team here at State Employees' is dedicated to fostering a welcoming environment. Under the guidance of our CEO Leigh Brady and Board President Mona Moon, we emphasize transparency and trust in all our services. Our team of 8,258 employees is here to assist you with any inquiries or financial goals you may have. While members can visit us at our branch location for personal service or utilize our online banking platform at ncsecu.org, official correspondence should be sent to the same address: 28 OXHOLM CIR, GARNER, NC 27529. We invite you to experience the difference at State Employees'. Call us today at 919-662-1901 or stop by during our lobby hours from 8:30 AM to 5:30 PM on weekdays. Join us in building a brighter financial future together!
Branch History & Mission
At State Employees', we take pride in our rich history and unwavering commitment to serving the community of Garner, NC. Established in 1937, our credit union has grown alongside our members, evolving from a small organization into a trusted financial partner with over 2.8 million members today. Our branch is located at 28 Oxholm Cir, Garner, NC 27529, a convenient spot for those in the area. From the beginning, our mission has been clear: to provide accessible and affordable financial services while fostering a strong sense of community. We believe that everyone deserves the opportunity for financial stability and growth. This belief drives us to offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Over the years, we've achieved significant milestones that reflect our commitment to our members. With total assets exceeding $57 billion, we are well-equipped to meet the diverse needs of our growing membership. Our innovative approach to banking includes online and mobile services, ensuring that our members can manage their finances conveniently and securely. While you can visit us at our branch location for personal service, official correspondence should be sent to our mailing address at 28 OXHOLM CIR, GARNER, NC 27529. We are also proud to offer an ATM on-site for easy access to cash and basic transactions. For those who prefer face-to-face interactions, our drive-thru banking service makes it simple to complete essential banking tasks without leaving your vehicle. Our mission extends beyond just providing financial services; we are deeply invested in supporting our community through various outreach programs and partnerships. We aim to uplift local initiatives and contribute positively to the lives of those around us. As we look toward the future, we invite you to join us on this journey. Experience firsthand how State Employees' can help you achieve your financial goals while being part of a supportive community. Connect with us today by calling 919-662-1901 or visit our website at ncsecu.org for more information on how you can become a member. Together, let's build a brighter future!
Branch Location & Accessibility
Call-to-Action
Ready to experience convenient banking? Visit us today at 28 Oxholm Cir or give us a call at 919-662-1901. We look forward to welcoming you to the State Employees' family!
Operating Hours
We understand that life can be busy, which is why we offer flexible banking hours. You can visit us Monday through Friday from 8:30 AM to 5:30 PM. Whether you're stopping by for a quick transaction or need assistance with your accounts, our friendly staff is here to help!
Services Offered
At State Employees', we provide a range of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to loans for vehicles and mortgages, we've got you covered. Plus, enjoy the ease of online and mobile banking, making it simple to manage your finances on the go. For those on the move, we also have a drive-thru available for basic transactions such as deposits and withdrawals. Need cash? Our ATM is right outside for quick access anytime.
Member Eligibility
At State Employees', we believe that everyone deserves a chance to join a supportive community focused on your financial well-being. Becoming a member is straightforward and welcoming! If you live, work, or attend school in the area, you're likely eligible to open an account with us. We also invite family members of existing members to join, making it easy for you to share the benefits of membership with those you care about. With access to personalized services and competitive rates, being part of our family means you can enjoy financial peace of mind. To learn more about the specific eligibility criteria and ensure you meet them, feel free to visit our detailed page at http://www.ncsecu.org/join#eligibility. Once you're ready to take the next step, opening an account is simple just head over to https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (919) 662-1901. We can't wait to welcome you to State Employees' at 28 Oxholm Cir Garner Nc 27529!
Business Banking & Commercial Services
Business Loans Tailored for 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.
Merchant Services That Work for You
In addition to loans, we offer merchant services that simplify transactions and enhance customer experiences. Imagine running your operations smoothly with easy payment processing options that fit your business model. From point-of-sale systems to online payment solutions, our services help you focus on what matters most growing your business. Visit us at 28 Oxholm Cir Garner Nc 27529 in Garner, NC, or call us at (919) 662-1901 to discover how we can help your business thrive!
Comprehensive List Of Services
ATM and Drive-Thru Services
Need cash quickly? Our ATM services are readily available for withdrawals and balance checks without the hassle of entering the branch. If you prefer face-to-face interactions for basic transactions like deposits or withdrawals, take advantage of our drive-thru banking, making it easier than ever to handle quick banking needs without leaving your car. At State Employees', we prioritize accessibility and member satisfaction. If you're ready to explore how these services can benefit you or if you have questions about account opening or eligibility requirements, feel free to reach out! Call us at (919) 662-1901, visit us at our branch, or check out our website at Cleveland Community. Your financial journey starts here!
Business Banking Services
For our business members, we provide comprehensive business banking solutions. From merchant services that simplify transactions for your customers to tailored business loans designed to support your company's growth, we've got you covered.
Credit Options That Reward You
Looking to build or enhance your credit? Our credit cards with rewards not only help you make purchases but also earn points towards exciting rewards. It's an easy way to get more from your spending while improving your financial health.
Digital Banking Convenience
In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills, our digital platforms make it easy and secure.
Personal Banking Solutions
Our personal banking services are designed with you in mind. We offer checking and savings accounts that make managing your money simple and straightforward. For those planning to purchase a car, our auto loans and vehicle financing options provide flexible terms and competitive rates. If you're considering buying a home, our mortgage loans and refinancing programs can help make your dream a reality. Plus, if you find yourself needing extra cash for unexpected expenses, our personal loans and debt consolidation services are available to assist.
Digital & Online Banking
Always Here for You
Our 24/7 online banking services Yes mean that help is just a click away whenever you need it. Whether it's during business hours or late at night, you can access everything you need without any hassle. At State Employees', we're committed to providing accessible, user-friendly digital banking solutions that help you manage your finances effortlessly. Explore all that we have to offer today!
Convenient Payment Options
Want to make payments on the go? Our mobile payments feature Yes lets you pay friends or businesses directly from your phone. While we currently don't offer person-to-person transfers No, our other services provide plenty of options for sending and receiving money quickly.
Easy Access to Your Accounts
With our online banking platform available at https://www.ncsecu.org/, you can check balances, make transfers, and pay bills with just a few clicks. Plus, our mobile application makes it even easier to manage your finances from your smartphone. You'll enjoy real-time access to your account information, ensuring you're always in control of your money.
Secure Transactions at Your Fingertips
Your security is our top priority. We utilize electronic signature authorization Yes for safe document handling and transactions. You can trust that your personal information is protected while you manage your accounts online.
Stay Organized with E-Statements
Say goodbye to paper clutter! With e-statements Yes, you can view and download your bank statements electronically. This feature not only helps you stay organized but also allows for easy tracking of your financial activities.
Financial Strength
Growing Community Trust
Total Share Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. This trust is crucial as it allows us to manage resources effectively while delivering the best possible services. 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 28 Oxholm Cir Garner Nc 27529 or call (919) 662-1901 to learn more about how we can help you achieve your financial goals.
Investment in Innovation
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 lending capacity is reflected in the $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting your financial goals across various sectors.
Member-Centric 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 $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we 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
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 to suit your budget and needs.
Credit Lines and More
In addition to auto and mortgage loans, we provide a total of $18,909,000,000 in credit lines tailored to meet various borrowing needs. This allows you access to funds when you need them without going through lengthy approval processes every time. For those considering refinancing options or wanting to check eligibility for any of our loan products, please visit our eligibility page. We strive to make the process as straightforward as possible so that you can focus on what matters most your financial well-being. For questions or further assistance regarding our loan products or services offered at State Employees', don't hesitate to give us a call at 919-662-1901. 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 financial journey starts here!
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. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process.
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 cards can be used for everyday purchases or unexpected expenses without needing collateral.
Loan Aggregator
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