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Mortgage Loans
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Personal Loans
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Introduction
Welcome to State Employees' Credit Union, where your financial well-being is our top priority. Located at 1301 W Ash St, Goldsboro, NC 27530, our branch has been serving the community since 1937. With a strong commitment to supporting our members and fostering local growth, we take pride in our impressive membership of over 2.8 million individuals. At State Employees' Credit Union, we understand that financial decisions can shape your future. That's why we offer a range of products tailored to meet your needs from checking and savings accounts to auto loans and mortgages. Our total assets have grown to an impressive $57.2 billion, demonstrating our stability and reliability as a trusted partner in your financial journey. With total deposits reaching $7.9 billion and a net worth of $5.4 billion, you can trust that your money is in safe hands. We also provide easy access to funds with over 1.19 million loans and leases available for our members, ensuring you have the resources you need when it matters most. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, consists of nearly 8,300 employees who are passionate about serving you. Whether you need assistance with banking services or have questions about loans, we're here to help! While members can visit us at our Goldsboro branch, official correspondence should be sent to the same address: 1301 W ASH ST, GOLDSBORO, NC 27530. Feel free to reach out at (919) 735-9161 or explore more about us on our website: NCSECU. Join us today and experience the difference that comes with being part of a community-focused credit union!
Branch History & Mission
Join Us
As we continue this journey together, we invite you to become a part of the State Employees' family. Experience firsthand the dedication and support that comes from being a member of our credit union. Discover how we can help you reach your financial dreams today! For more information or to open an account, please call us at 919-735-9161 or visit us online at ncsecu.org.
Our Evolution
Over the years, State Employees' has expanded its services and membership base significantly. With total assets exceeding $57 billion, we have built a robust foundation that allows us to offer a wide range of financial products and services tailored to the unique needs of our members. Our journey has been marked by milestones such as embracing digital advancements to enhance member experiences while ensuring compliance with ADA standards. As we evolved, we introduced features like mobile banking and online account management, making it easier than ever for members to access their finances on the go. Additionally, we proudly maintain an ATM available at our location and provide convenient drive-thru banking services for quick transactions.
Our Mission
At the heart of State Employees' Credit Union is our mission: to support our members financially while uplifting the communities we serve. We aim to provide not only exceptional financial services but also programs that promote economic well-being and social responsibility. Whether through affordable loans or community outreach initiatives, we strive to make a positive impact on the lives of those around us. Our commitment goes beyond just banking; it's about building relationships and empowering individuals to achieve their financial goals. We believe that when our members thrive, our entire community benefits. While members can visit us at 1301 W Ash St, official correspondence should be sent to 1301 W ASH ST, GOLDSBORO, NC 27530 if necessary. Our team is available during regular operating hours from 8:30 AM to 5:30 PM, ready to assist you with personal banking, auto loans, mortgage options, credit cards with rewards, and more.
Branch Location & Accessibility
Accessibility Features
We understand the importance of accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and accessible parking spaces to ensure everyone can easily reach us. Whether you're stopping by for a quick transaction or spending more time exploring your financial options, we strive to make your experience comfortable.
Connect With Us
While members can visit us at 1301 W Ash St, official correspondence should be sent to the same address. If you have any questions or would like more information about our services before visiting, feel free to give us a call at 919-735-9161. We look forward to serving you!
Operating Hours & Services
Our lobby hours are designed to fit your busy schedule, open Monday through Friday from 8:30 AM to 5:30 PM. If you need cash or wish to deposit a check outside of these hours, we also offer an ATM on-site for your convenience. For those who prefer a drive-thru experience, our drive-thru banking service is available for quick deposits and withdrawals. At State Employees', we provide a variety of services tailored to meet your needs whether it's personal banking with checking and savings accounts, auto loans, mortgage loans, or credit cards with rewards. Our knowledgeable staff is here to assist you with any inquiries you might have about our offerings.
Member Eligibility
At State Employees', we believe that becoming a member is like joining a family where everyone looks out for one another. If you live, work, or worship in the area, you may be eligible to join us! It's as simple as that. We welcome individuals from various backgrounds and professions, ensuring that our community is diverse and inclusive. Plus, once you're a member, you'll enjoy a range of benefits including competitive loan rates, personalized service, and access to financial education resources. To learn more about the specific eligibility criteria, feel free to visit our website at http://www.ncsecu.org/join#eligibility. If you're ready to take the next step and open an account with us, it's easy! You can start the process online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (919) 735-9161 if you have any questions. We're here to help you every step of the way!
Business Banking & Commercial Services
Merchant Services That Matter
In addition to loans, our merchant services provide practical tools for managing transactions efficiently. Imagine running your shop or service without worrying about payment processing delays. With our reliable payment solutions, you can focus on what you do best serving your customers and growing your business. If you're ready to take the next step toward financial success, visit us at 1301 W Ash St Goldsboro Nc 27530 or give us a call at (919) 735-9161. Let's work together to build a brighter future for your business!
Supporting Your Growth
Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we are dedicated to offering flexible financing solutions that meet the needs of local entrepreneurs. Although there are no outstanding commercial loans at this time, we invite you to explore how our services can empower your business journey.
Comprehensive List Of Services
Business Banking
For entrepreneurs, State Employees' offers business banking solutions including merchant services and business loans designed to support growth and success.
Credit Options
Our credit cards come with rewards that let you earn while you spend. Picture yourself enjoying benefits just by using your card for everyday purchases!
Digital Banking Features
Emphasizing convenience, we provide robust online and mobile banking options so you can manage your accounts anytime, anywhere. With features like ATM access for cash withdrawals and balance checks, banking has never been easier.
Drive-Thru & ATM Services
Need to make a quick deposit or withdrawal? Our basic drive-thru banking allows for simple transactions without leaving your car. Plus, with ATM services readily available, accessing your cash is straightforward and efficient. We're here for all of your financial needs at State Employees'. To learn more about how we can assist you or to take advantage of any of these services, give us a call at (919) 735-9161 or visit us today! Your financial well-being is our priority, and we look forward to serving you.
Personal Banking
Whether you're looking to open a checking or savings account, State Employees' has options that fit your lifestyle. Imagine effortlessly managing your finances online or through our mobile app, allowing you to check balances and make transactions on the go. For those planning to purchase a new vehicle, our auto loans and vehicle financing make it easy to drive away in the car of your dreams. When it comes time to buy a home, our mortgage loans and refinancing options can help simplify what can often be a complex process. If unexpected expenses arise, personal loans and debt consolidation services are available to help you get back on track without breaking the bank.
Digital & Online Banking
Convenient Online Banking
With our 24/7 online banking services available at https://www.ncsecu.org/, you can access your accounts anytime, anywhere. Check balances, make transfers, and pay bills with just a few clicks. Plus, for added convenience, our mobile application allows you to manage your accounts right from your smartphone.
Effortless Mobile Payments
Enjoy the ease of mobile payments with our services. You can make quick purchases directly from your device without needing cash or cards just tap and go! It's one more way we make banking simpler for you.
Enhanced Security Features
We prioritize your security. Our electronic signature authorization feature means you can securely sign documents without the hassle of printing and mailing them. This not only saves time but also protects your personal information. Rest easy knowing that your data is safe with us.
Go Paperless with E-Statements
Say goodbye to paper clutter! With our e-statements availability, you can receive your financial statements electronically. This feature not only helps the environment but also makes it easier for you to keep track of your finances in one place.
Instant Transfers Between Accounts
While we currently don't offer person-to-person transfers, rest assured that all other features are designed to help streamline your banking experience. Our commitment is to provide services that suit your lifestyle and needs. With all these digital conveniences at State Employees', managing your finances has never been easier or more secure. Join us today and take advantage of everything we have to offer!
Financial Strength
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. 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.
Reinvestment for Better Services
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 supports members' financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases.
Strong 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. 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.
Trust Through Growth
Total Share and Deposit Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments amount to $574,556,810, demonstrating our capacity to support your needs effectively. 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 1301 W Ash St Goldsboro Nc 27530 or call (919) 735-9161 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 purchasing a brand-new vehicle or a reliable used car, our competitive financing options can make your dream ride a reality.
Credit Lines
Additionally, we have robust credit line options available for those needing more flexibility. Our total credit lines amount to $18,909,000,000, offering you the freedom to access funds when necessary without going through lengthy approval processes each time. For our business members looking for support in growing their ventures, we currently do not have outstanding commercial loans available. However, we are continuously evaluating our offerings to best serve your needs. If you're considering refinancing any existing loans or want to explore eligibility options for our services, feel free to contact us at 919-735-9161. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today or check out our website for more information on how our loan products can benefit you!
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 various mortgage solutions that can help you settle into the home you've always wanted while ensuring you understand every step of 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. Our credit cards come with competitive rates and benefits that can cater to your spending habits and financial goals.
Loan Aggregator
Ensuring Accurate 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 rigorous sourcing guarantees that all offers presented are not only legitimate but also fair and transparent.
Key Benefits of Using LendMesh
- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions without delays. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback showcases the effectiveness and reliability of the platform. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.