Nc State Employee Credit Union

Nestled in the heart of Goldsboro, the State Employees' Credit Union branch at 3101 Cashwell Dr is your trusted community partner for smart financial solutions. Whether you’re looking to secure some of the best auto loans with flexible vehicle financing or simplify your personal banking through easy-to-manage checking and savings accounts, this friendly branch is here to support your goals. Open Monday through Friday from 8:30 AM to 5:30 PM, you can conveniently stop by or use the drive-thru and onsite ATM for quick deposits, withdrawals, and balance checks.
Serving nearly 2.85 million members statewide with assets exceeding $57 billion, this Goldsboro location also offers competitive mortgage loans and refinancing options designed to make homeownership more attainable. Small businesses can benefit from merchant services and business loans tailored to fuel growth. With secure online and mobile banking platforms available, managing your finances has never been easier or more convenient.
Visit the State Employees’ Credit Union branch at 3101 Cashwell Dr or call 919-759-3161 today to experience personalized service that puts your financial wellbeing first. Discover how our signature auto loans and mortgage programs can help you confidently accelerate toward your financial future!

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', your trusted financial partner located at 3101 Cashwell Dr, Goldsboro, NC 27534. Established in 1937, we take pride in serving our community with a commitment to providing exceptional banking services tailored to your needs. With a robust membership of over 2.8 million and total assets amounting to an impressive $57,229,286,839, we stand strong as a pillar of financial support for our members. At State Employees', we understand that banking is about more than just numbers; it's about building relationships and fostering trust. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, works tirelessly to ensure that each member feels valued and supported. Whether you need help with personal banking, auto loans, or even mortgage refinancing, we're here for you every step of the way. While you can visit us at our branch address for your banking needs, please note that official correspondence should be sent to the same address: 3101 Cashwell Dr, Goldsboro, NC 27534. Our team is ready to assist you during business hours from 8:30 AM to 5:30 PM, offering services like checking and savings accounts, credit cards with rewards, and various loan options. With total deposits reaching $7,866,265,767 and cash in hand of $708,661,969, we are well-equipped to support your financial aspirations. Our extensive range of offerings also includes online and mobile banking for your convenience. Join us today and experience the difference that comes from being part of a community-focused credit union. If you have any questions or need assistance, feel free to give us a call at 919-759-3161. We look forward to welcoming you into the State Employees' family!

Branch History & Mission

Commitment to Accessibility

We take pride in offering ADA-compliant facilities and are committed to making banking accessible for everyone. With features such as an on-site ATM and drive-thru service available during operating hours Monday through Friday from 8:30 AM to 5:30 PM we aim to meet your banking needs conveniently.

Join Us

As we look forward to the future, we invite you to become part of our growing family at State Employees'. Experience firsthand the dedication and support that come with being a member of our credit union. Whether you're opening an account or seeking advice on loans, we're here for you every step of the way. Contact us today at (919) 759-3161 or visit us during our operating hours. Together, let's build a brighter financial future!

Mission Statement

At State Employees', our mission is simple yet profound: to enhance the financial well-being of our members while fostering a sense of belonging and trust. We strive to offer personalized service and expert guidance, ensuring that each member feels valued and understood. Our goal is to create pathways for financial success through education, support, and comprehensive services tailored to individual needs. For any official correspondence, please send it to 3101 CASHWELL DR, GOLDSBORO, NC 27534 if it differs from our branch location.

Our Journey

From our humble beginnings, State Employees' has evolved into a cornerstone of financial support for individuals and families in Goldsboro and beyond. We have embraced changes in banking while staying true to our mission: providing accessible financial services that empower our members to achieve their goals. Over the years, we've expanded our offerings to include personal banking, auto loans, mortgage options, and innovative online banking solutions. Our branch is not just a place for transactions; it's a hub of community engagement. We've partnered with local organizations, participating in outreach programs that uplift those in need. Whether it's sponsoring educational initiatives or supporting local charities, we believe in giving back to the community that has supported us throughout the years.

Branch Location & Accessibility

Additional Features

At this location, we also have an ATM available for quick cash withdrawals and balance checks whenever you need them. While members can visit us at 3101 Cashwell Dr for all their banking needs, please remember that official correspondence should be sent to the same address as well.

Come Visit Us!

We invite you to come by and see how we can support your financial journey. If you have any questions or would like more information about our services, don't hesitate to give us a call at 919-759-3161. We look forward to serving you soon!

Convenient Access and Parking

Finding us is a breeze! Our branch is centrally located, making it easy for you to stop by whether you're running errands or heading home from work. We offer ample parking right outside the door, so you can get in and out quickly. Plus, our facility is ADA-compliant, ensuring that everyone can access our services comfortably.

Operating Hours and Services

We're here for you during the week! Our lobby hours are Monday through Friday from 8:30 AM to 5:30 PM. Whether you're looking to open a new account, apply for an auto loan, or simply need assistance with online banking, our friendly staff is ready to help. Our drive-thru service adds even more convenience, allowing you to handle deposits and withdrawals without leaving your vehicle.

Member Eligibility

At State Employees', we believe that becoming a member means joining a close-knit community where your financial well-being is our priority. If you're looking to become part of our family, eligibility is straightforward and welcoming. Generally, membership is open to those who are employees or retirees of specific organizations, their family members, or residents in certain areas. To find out if you qualify, we invite you to explore the detailed criteria on our website at http://www.ncsecu.org/join#eligibility. Joining us is not just about opening an account; it's about gaining access to a range of financial services tailored to your needs. From competitive loan rates to personalized banking support, being a member at State Employees' comes with numerous advantages that help you achieve your financial goals. Ready to take the next step? You can easily open your account by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (919) 759-3161 for any questions. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support to expand your operations or invest in new equipment. Our commercial loan products are here to turn those dreams into reality. While we currently do not have a significant portfolio of commercial loans, our commitment to supporting businesses remains strong. We're dedicated to fostering growth in our community.

Merchant Services

In addition to loans, we provide practical merchant services that simplify transactions for your business. From payment processing solutions that keep your cash flow steady to tools that help you manage sales more effectively, we're here to support your daily operations. 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. If you're ready to take the next step for your business, contact us at (919) 759-3161 or visit us at 3101 Cashwell Dr Goldsboro Nc 27534 in Goldsboro, NC. Let's work together to achieve your business goals!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we provide specialized banking services that include merchant services and business loans. Running a business involves many challenges, but with our support, you can focus on growth while we handle your banking needs.

Credit Cards with Rewards

Don't forget about our credit cards! They come with rewards that can benefit you every time you make a purchase. Whether you're planning a vacation or just enjoying your favorite local spots, our rewards program is designed to give back to you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking options. You can manage your accounts from anywhere, pay bills, transfer funds, and even check balances all at your fingertips. Plus, with ATM access available, cash withdrawals are quick and easy whenever you need them.

Drive-Thru and ATM Services

If you're on the go, take advantage of our basic drive-thru banking services for deposits and withdrawals. Our ATMs provide hassle-free access for balance checks and cash withdrawals without any long lines. At State Employees', we're committed to ensuring that every financial service we offer is accessible and user-friendly. If you have any questions or would like more information about what we provide, don't hesitate to reach out! You can contact us at 919-759-3161 during our operating hours from 8:30 AM to 5:30 PM Monday through Friday. Explore how we can assist you today by visiting our website at ncsecu.org. We look forward to serving you!

Personal Banking Made Easy

Our personal banking services include checking and savings accounts designed for everyday use. Imagine having a checking account that helps you track your spending while also offering competitive interest rates on savings. We understand that life can be unpredictable, so we offer auto loans and vehicle financing to help you get behind the wheel of your dream car without the stress of high payments. Whether you're looking for a new or used vehicle, we have flexible options available. If you're considering homeownership or want to refinance your current mortgage, our mortgage loans can guide you through the process smoothly. We also offer personal loans for various needs, including debt consolidation, making it easier for you to manage your finances without feeling overwhelmed.

Digital & Online Banking

Key Features

We know security is a top priority for our members. That's why we provide electronic signature authorization, ensuring that your transactions are safe and secure. If you prefer going paperless, our e-statements feature allows you to receive your account statements electronically, making it easy to keep track of your finances without the clutter. For those who love using their smartphones, our mobile application offers a convenient way to manage your accounts right from your device. With mobile payments enabled, you can easily make purchases or send money without needing cash or cards on hand. Although person-to-person transfers aren't available right now, rest assured we're always looking for ways to enhance our services for our members. Whether you're checking balances, setting up payments, or monitoring account activity, everything is just a few taps away with our robust digital banking solutions at State Employees'. Embrace the ease of real-time account management while enjoying peace of mind knowing that your financial information is protected. Explore all these features and more by visiting us at https://www.ncsecu.org/ today!

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 dedicated to maintaining a strong financial foundation so that we can continue to serve you effectively. 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. 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. 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 also significant; with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we support members' financial goals across various sectors. While our current net income stands at $0, this reflects our operational efficiency. It enables 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. Our net shares (funds available for lending and investments) total $574,556,810, which reinforces our ability to meet the needs of our members efficiently. Additionally, the total number of share accounts stands at 5,850,875, showing a strong and growing member base that trusts us with their finances. 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 3101 Cashwell Dr Goldsboro Nc 27534 or call (919) 759-3161 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. We provide financing options that can accommodate various budgets and credit situations. Plus, if you're considering refinancing your current auto loan, our team can guide you through eligibility options that may lower your monthly payments.

Business Solutions

For business owners looking for financial support, our outstanding commercial loans can provide the capital needed to grow and expand. While currently we do not have outstanding commercial loans available at this time, our team is ready to discuss potential future offerings tailored for business growth. At State Employees', we prioritize member satisfaction and strive to ensure that each loan product serves its purpose effectively. If you're interested in learning more about any of these offerings or exploring refinancing options for your existing loans, please don't hesitate to reach out at 919-759-3161. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us assist you on your financial journey today!

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 offer various mortgage plans that cater to different needs and preferences, ensuring you find the right fit for your circumstances.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. 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 rewards programs designed to give back to our members while providing access to funds when needed.

Loan Aggregator

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