State Employees' Credit Union Gastonia NC: Low Mortgage Rates & Auto Loans

Introduction

Welcome to State Employees' Credit Union, your trusted partner in financial growth since 1937. Located at 2709 Union Rd, Gastonia, NC 28054, we are proud to serve our community with a commitment to providing outstanding banking solutions tailored for every member's needs. With over 2.8 million members and a strong foundation of $57.2 billion in total assets, we ensure that your financial well-being is our top priority. At State Employees', we understand the importance of accessible and reliable banking services. That's why we offer a comprehensive range of products, including personal checking accounts, auto loans, mortgage financing, and rewarding credit cards. Our dedicated team of 8,258 employees works tirelessly to support you in achieving your financial goals. While members can visit us at our Gastonia branch, official correspondence should be sent to 2709 UNION RD, GASTONIA, NC 28054 if necessary. We take pride in our robust financial health with total deposits reaching $7.9 billion and a net worth of $5.4 billion, ensuring that your money is safe with us. Under the leadership of our CEO, Leigh Brady, and Board President, Mona Moon, we focus on creating a member-centric environment that fosters trust and reliability. Our friendly staff is always ready to assist you with any questions or concerns you may have. We invite you to visit us or give us a call at 704-864-2085 during our lobby hours from 8:30 AM to 5:30 PM on weekdays. Discover how State Employees' Credit Union can help you thrive financially while being an integral part of our vibrant community! For more information about our services and offerings, check out our website at ncsecu.org.

Branch History & Mission

At State Employees', we take pride in our rich history and unwavering commitment to the community of Gastonia, NC. Established in 1937, our branch has been a cornerstone for financial services in the region. Over the decades, we've grown from a small credit union into a trusted institution serving over 2.8 million members with total assets reaching an impressive $57,229,286,839. Located at 2709 Union Rd, Gastonia, NC 28054, our branch is easily accessible and close to key landmarks that make it a central hub for local residents. Whether you need to visit us during our operating hours from 8:30 AM to 5:30 PM or use our convenient drive-thru service and ATM facilities, we are here to support your financial needs. Our mission is simple yet profound: we strive to provide exceptional financial services while fostering community support and development. We believe that everyone deserves access to quality banking services that empower them to achieve their dreams be it through personal banking options like checking and savings accounts or more specialized services like auto loans and mortgages. While members can visit us at 2709 Union Rd, official correspondence should be sent to our mailing address at 2709 UNION RD, GASTONIA, NC 28054. Our dedication goes beyond transactions; we actively engage in community outreach efforts that help uplift those around us. We partner with local organizations and initiatives that focus on education, financial literacy, and overall community welfare. In today's fast-paced world, we've embraced digital advancements that enhance member experience. Our online banking platform allows you to manage your finances with ease, while mobile payments bring convenience right to your fingertips. We're committed to ensuring that all our facilities are ADA compliant so everyone can enjoy our services comfortably. Join us in continuing this legacy of support and excellence. We invite you to become part of the State Employees' family and experience firsthand the benefits of being a member of our credit union. Together, we can build a brighter financial future for ourselves and our community. For more information or to open an account today, please call us at 704-864-2085 or visit our website at ncsecu.org.

Branch Location & Accessibility

Accessibility Features

At State Employees', we prioritize making banking accessible for everyone. Our branch is ADA compliant, featuring ramps and accessible entrances so that all members can enjoy our services without hassle. Plus, we have ample parking available nearby, ensuring you can park close to the entrance.

Operating Hours

We know your time is valuable. That's why we're open Monday through Friday from 8:30 AM to 5:30 PM. This gives you plenty of opportunities to visit us during your busy schedule. If you prefer a quick transaction on the go, take advantage of our drive-thru service for deposits and withdrawals without leaving your car.

Services Offered

Our branch provides a variety of services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, you'll find everything you need under one roof. We also offer online and mobile banking options so you can manage your finances anytime, anywhere. For those who prefer cash transactions, we have an ATM available on-site for quick withdrawals and balance checks. We invite you to come see us at State Employees' branch in Gastonia! Feel free to give us a call at 704-864-2085 if you have any questions or need assistance before your visit. We look forward to helping you achieve your financial goals!

Member Eligibility

Becoming a member of State Employees' is like joining a caring family where your financial needs are prioritized. If you live, work, or attend school in the area, or if you're related to someone who does, you're already on your way to enjoying the benefits of membership. At State Employees', we believe in providing accessible financial services tailored for our community. Whether you're looking for checking accounts, auto loans, or personal loans, our supportive environment is designed to help you thrive. To learn more about the specific eligibility requirements and see how easy it is to join us at State Employees', check out this helpful resource: http://www.ncsecu.org/join#eligibility. When you're ready to open an account, visit us online at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (704) 864-2085. We're excited to welcome you into our community!

Business Banking & Commercial Services

Loan Options 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 Matter

But it's not just about loans. Our merchant services simplify transactions for your business. Picture this: a bustling café where customers can pay easily with mobile payments or contactless cards. Our services help you process payments seamlessly, allowing you to focus on what you do best serving great food and drinks. Located at 2709 Union Rd Gastonia Nc 28054, Gastonia, NC, our team is ready to partner with you on your business journey. Give us a call at (704) 864-2085 or visit us today to learn more about how we can support your ambitions!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? With our ATM services, withdrawing cash is quick and easy. You can access your funds anytime without hassle.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easy for you to drive away in the car of your dreams. With competitive rates and personalized service, we help you find a loan that fits your budget.

Business Banking

For our business members, we provide comprehensive business banking services, including merchant services and business loans. We understand how vital it is for businesses to have access to reliable financial support, so we ensure that our offerings cater to various business needs.

Credit Cards with Rewards

Why not earn rewards while you spend? Our credit cards with rewards offer great benefits for everyday purchases. Use them for groceries or gas and watch the rewards stack up!

Drive-Thru Banking

If you're in a hurry, take advantage of our basic drive-thru banking services for deposits, withdrawals, and simple transactions all from the comfort of your vehicle. At State Employees', we're committed to providing convenient solutions tailored just for you. Our team is here to help answer any questions you may have about these services. Feel free to call us at (704) 864-2085 or visit us during our operating hours from 8:30 AM to 5:30 PM on weekdays. Ready to take the next step in managing your finances? Visit us today at Gastonia - Union Rd, where we're excited to serve you!

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance your current mortgage, our knowledgeable staff will guide you through the process, making it straightforward and stress-free.

Personal Banking

Whether you're looking to open a new checking or savings account, our personal banking services are designed to meet your everyday needs. You can easily manage your finances through our online and mobile banking platforms, giving you the flexibility to bank from anywhere. Imagine checking your balance or transferring funds while waiting for your coffee it's that simple!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation services, you don't have to face them alone. We offer flexible terms that can help lighten your financial load and simplify your payments.

Digital & Online Banking

At State Employees', we know that convenience and security are key when it comes to managing your finances. That's why we offer a wide range of digital and online banking services designed to fit your busy lifestyle. With our user-friendly platform, you can access your accounts anytime, anywhere, ensuring that you stay in control of your money. One of the standout features of our digital banking is the 24/7 online banking service available at https://www.ncsecu.org/. Whether you want to check your balance, pay bills, or transfer funds, everything is just a few clicks away. Plus, with e-statements available, you can keep track of your financial activities without the clutter of paper statements. This not only helps the environment but also makes it easier for you to manage your records. Security is our top priority. Our electronic signature authorization feature allows you to sign documents safely and securely from the comfort of your home. You don't have to worry about sending sensitive information through the mail anymore. Additionally, our mobile application makes banking on-the-go even more accessible. With just a tap on your phone, you can handle transactions and view account information right in your pocket. If you're someone who enjoys quick payments, our mobile payments feature lets you make purchases easily without fumbling for cash or cards. Need to send money to a friend? While we currently don't support person-to-person transfers, we're always looking for ways to enhance our services for you. In short, with all these tools at your fingertips like online banking, mobile applications, and e-statements managing your finances has never been easier or more secure at State Employees'. Dive into the world of hassle-free banking today!

Financial Strength

A Team Dedicated to Your Needs

Our strength isn't just about numbers; it's also about the people behind them. 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.

Growing Together

Our community is growing stronger every day, with a total of 5,850,875 share accounts reflecting the trust our members place in us. The support from our membership fuels our ability to provide exceptional service. 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 2709 Union Rd Gastonia Nc 28054 or call (704) 864-2085 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.

Member Savings are Secure

We prioritize your savings. Members' funds 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 focus our resources on benefiting you our valued members.

Our Solid Financial 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. This solid foundation is further reflected in our net worth ratio of 9.71%, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinventing Banking for You

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 commitment to responsible lending is evident with $193,516 in used auto loans and $34,904,944,116 in total loans and leases. This capacity supports your financial goals across various sectors.

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 considering a new or used vehicle, our financing options can make your purchase more affordable.

Credit Card Loans

For those looking to manage their finances effectively, we also offer flexible terms on unsecured credit card loans, with a total of $1,177,171,541 in loans available. This option can be an excellent way to handle unexpected expenses or consolidate debt.

Credit Lines

Our total credit lines amount to $18,909,000,000, providing additional flexibility for our members who need access to funds as needed. This can be particularly useful for managing cash flow and covering unforeseen costs. If you're interested in refinancing any existing loans or exploring eligibility options, we are here to assist you. Understanding your options is crucial, and our team is dedicated to making the process as straightforward as possible. For more details or personalized assistance regarding our loan offerings, feel free to reach out to us at (704) 864-2085. We are located at 2709 Union Rd Gastonia Nc 28054, Gastonia, NC, and are committed to helping you navigate your financial journey with confidence. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 guidance throughout the process to help you secure a loan that fits your financial situation.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION - Gastonia, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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