Type of Loan Offerings
Mortgage Loans
Loan Type
Product Type
Program Type
Rate
APR
Points
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Personal Loans
Vehicle Loans
Introduction
Welcome to State Employees' Credit Union, your trusted financial partner located at 1473 Benson Rd, Garner, NC 27529. Established in 1937, we have proudly served our community for over 85 years, growing alongside our members and adapting to their needs. With a total membership of 2,847,943, we believe in the power of community and strive to provide exceptional services tailored to each member. At State Employees', we manage assets totaling an impressive $57,229,286,839 and offer a range of services designed to enhance your financial well-being. Whether you're looking for personal banking solutions such as checking accounts or auto loans, or need assistance with mortgage refinancing and credit cards that reward you, we've got you covered. Our total deposits stand at $7,866,265,767, reflecting the trust our members place in us. Under the leadership of CEO Leigh Brady and Board President Mona Moon, our dedicated team of 8,258 employees is here to ensure that every interaction you have with us is friendly and professional. We pride ourselves on being accessible; feel free to reach out at 919-329-6215 for any inquiries or visit our website at ncsecu.org for more information. While members can visit us at our branch location in Garner, official correspondence should be sent to 1473 BENSON RD, GARNER, NC 27529. With a commitment to providing quality service and support, we invite you to explore how State Employees' can help you achieve your financial goals. Come see how we can make a difference in your life today!
Branch History & Mission
Community Engagement
Our partnerships with local organizations and participation in community events highlight our dedication beyond just banking. We believe in giving back, whether it's through sponsorships or volunteer programs aimed at uplifting those around us. We invite you to join us at State Employees' and experience the benefits of membership firsthand. Whether you're looking for personal banking solutions or ways to invest in your future, we're here to help you every step of the way. For more information or assistance, please call us at 919-329-6215 or visit our website at ncsecu.org. Together, let's build a stronger community!
Mission Statement
At State Employees', our mission is simple yet powerful: we aim to enhance the lives of our members through exceptional financial services while fostering community growth and support. We believe that banking should be personal and community-focused. This belief drives us to engage in outreach efforts that strengthen relationships within our local neighborhoods. While members can visit us at 1473 Benson Rd, official correspondence should be sent to 1473 BENSON RD, GARNER, NC 27529 if different. Our doors are open Monday through Friday from 8:30 AM to 5:30 PM, ensuring that we are available when you need us most. As part of our ongoing commitment to innovation and accessibility, we offer various digital services including online banking and mobile payments. These advancements allow our members to manage their finances conveniently while adhering to ADA compliance standards.
Our Story
From our humble beginnings, we have evolved significantly. With a focus on providing accessible financial services, we expanded our offerings from basic savings accounts to a wide array of products including auto loans, mortgages, and credit cards with rewards. Today, our total assets exceed $57 billion, allowing us to empower members with the tools they need to achieve their financial goals. Our branch in Garner is equipped with modern conveniences such as an ATM and drive-thru banking options, making it easy for members to access their accounts and manage transactions. We are dedicated not only to meeting the immediate financial needs of our members but also to ensuring that everyone can benefit from inclusive banking practices.
Branch Location & Accessibility
Connect with Us
Feel free to reach out at 919-329-6215 if you have any questions or need assistance. We invite you to stop by our Garner branch today! Experience friendly service and discover how we can help you achieve your financial goals.
Nearby Landmarks and Accessibility
Our branch is located near notable spots like the Garner Shopping Center and the beautiful Lake Benson Park, making it easy to stop by while running errands or enjoying a day out. We provide ample parking right outside the branch, ensuring you can visit us without any hassle. Our facility is ADA compliant, featuring ramps and accessible entrances, so everyone can enjoy our services comfortably.
Operating Hours and Services
We're open Monday through Friday from 8:30 AM to 5:30 PM, giving you plenty of time during the week to manage your finances. At State Employees', we pride ourselves on offering a variety of services tailored to meet your needs whether it's personal banking with checking and savings accounts, auto loans, or even business banking solutions. Our drive-thru service allows for quick deposits and withdrawals without leaving your vehicle. Plus, we have an ATM on-site for your convenience. If you need to send us official correspondence, please note that while you can visit us at 1473 Benson Rd, official mail should be sent to the same address.
Member Eligibility
At State Employees', we believe that everyone deserves the chance to be part of a supportive community that puts your financial well-being first. Becoming a member is simple! If you live, work, or worship in North Carolina, or if you are an immediate family member of someone who does, you're already eligible to join us. This means that whether you're just starting your financial journey or looking for new ways to grow, our doors are wide open for you. We offer a range of benefits designed to help you thrive, from competitive loan rates to personalized service tailored just for you. Ready to take the next step? You can find detailed eligibility information at http://www.ncsecu.org/join#eligibility and learn how easy it is to open an account by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, feel free to give us a call at (919) 329-6215. We're excited to welcome you into the State Employees' family!
Business Banking & Commercial Services
Business Loans Tailored for Growth
Imagine being able to secure funding that allows you to invest in new equipment or hire additional staff. 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.
Practical Merchant Services
In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine accepting payments quickly and securely, allowing you to focus on what really matters growing your enterprise. Our services ensure you can manage transactions efficiently, giving you more time to engage with customers and innovate. Located at 1473 Benson Rd Garner Nc 27529, Garner, NC, our team is ready to assist you in achieving your business goals. Contact us at (919) 329-6215 or visit our website at https://www.ncsecu.org/ to learn more about how we can partner with you in your journey towards success!
Comprehensive List Of Services
Business Banking Support
If you're an entrepreneur or small business owner, our business banking services will be invaluable. We provide essential merchant services and business loans that can help grow your business while keeping your finances organized.
Credit Cards with Rewards
We also offer credit cards with rewards, allowing you to earn points on your everyday purchases. Whether it's cashback on groceries or travel rewards for your next getaway, our credit cards are designed with benefits that suit your lifestyle.
Digital Banking Convenience
In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. With our user-friendly platform, you can check account balances, transfer funds, pay bills, and manage all your finances from anywhere at any time. Plus, with our ATM and cash withdrawal services available 24/7, accessing your money has never been easier.
Drive-Thru and ATM Services
For quick transactions, we have basic drive-thru banking where you can handle deposits and withdrawals without leaving your vehicle. Our ATMs also allow for easy cash withdrawals and balance checks whenever you need them. At State Employees', we strive to make banking accessible and straightforward for everyone. Whether you're visiting us in person or using our digital services, we're here to support you every step of the way. Ready to take control of your finances? Visit us at 1473 Benson Rd Garner Nc 27529 or call us at (919) 329-6215 today! Explore how our diverse range of services can help you achieve your financial goals with ease.
Personal Banking Solutions
We understand that managing your finances can be challenging, so we offer various personal banking options designed for everyday needs. Our checking and savings accounts provide easy access to your funds while helping you save for the future. If you're considering a new vehicle, our auto loans and vehicle financing solutions make it simple to drive away in your dream car without breaking the bank. For those looking to invest in a home, our mortgage loans and refinancing options ensure you get competitive rates and personalized service every step of the way. Additionally, if you're facing unexpected expenses or want to consolidate debt, our personal loans and debt consolidation services can help lighten your financial load.
Digital & Online Banking
At State Employees', we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances as convenient and secure as possible. Whether you're at home or on the go, you can easily access your accounts anytime, anywhere. One of the standout features available at State Employees' is our robust online banking platform. With 24/7 online banking services, you can check balances, transfer funds, and pay bills with just a few clicks. You can explore all these options by visiting us at https://www.ncsecu.org/. Plus, if you prefer to keep your statements organized and eco-friendly, we provide e-statements for easy access and management. For those who like to handle their finances through mobile devices, our mobile application is here to help. You can enjoy the convenience of mobile payments, allowing you to make purchases quickly and securely right from your phone. While person-to-person transfers aren't available at this time, our app still offers a wealth of features that will streamline your banking experience. Security is also a top priority for us. With electronic signature authorization in place, you can sign documents digitally without worrying about safety. This means less hassle for you when it comes to completing necessary paperwork. At State Employees', we aim to empower our members with tools that simplify their banking needs while ensuring their information remains secure. Our user-friendly interface allows for real-time account management so you can stay on top of your finances effortlessly. Whether you're logging in from your computer or using our mobile app, banking with us is designed to fit seamlessly into your lifestyle. Explore all the ways we can support your financial journey today!
Financial Strength
Focused on Our Members
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. This focus allows us to reinvest in innovative banking tools and stronger lending options.
Growing Member Base
Total Share Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. This trust is essential as it allows us to keep improving our services while prioritizing your 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 1473 Benson Rd Garner Nc 27529 or call (919) 329-6215 to learn more about how we can help you achieve your financial goals.
Lending Capacity
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. Whether you're looking to buy a new car or finance a significant purchase, we've got you covered.
Operational Efficiency
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.
Secure Savings Options
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. This means your deposits are not only safe but also working harder for you.
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
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 purchasing a brand-new model or a reliable used vehicle, our flexible terms are designed to fit your budget.
Credit Lines
For those who need ongoing access to funds, our total credit lines amount to $18,909,000,000, providing peace of mind for both planned and unforeseen expenses. Our lines of credit can be tailored to meet your specific needs. If you're considering refinancing options or want to know more about eligibility for any of our loan products, please don't hesitate to reach out. You can contact us at 919-329-6215 or visit us at our branch located at 1473 Benson Rd Garner NC 27529. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At State Employees', we're committed to providing you with transparent information and support as you navigate your financial journey.
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 competitive interest rates and personalized service to guide you through the process of securing your dream home.
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 an excellent way to consolidate debt or cover unexpected expenses while enjoying benefits like rewards and low fees.
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 when comparing loan rates. By relying on verified financial institutions, LendMesh guarantees that the information you see is accurate and trustworthy.