Nc State Employee Credit Union

Located in the vibrant community of Goldsboro, the State Employees' Credit Union branch at 2811 Wayne Memorial Dr is your trusted local partner for exceptional financial services. Whether you're looking to take advantage of some of the best auto loans with flexible vehicle financing or manage your personal banking through convenient checking and savings accounts, this branch offers friendly, expert guidance designed around your unique goals. Open Monday through Friday from 8:30 AM to 5:30 PM, you’ll find personalized support that fits your busy lifestyle.
Serving nearly 2.85 million members statewide with assets exceeding $57 billion, this Goldsboro location also excels in competitive mortgage loans and refinancing options crafted to make homeownership more attainable. Local businesses can benefit from merchant services and business loans tailored to fuel growth. With convenient drive-thru banking and onsite ATM access for quick deposits, withdrawals, and balance checks—plus secure online and mobile banking platforms—you have multiple ways to manage your finances anytime.
Visit the State Employees’ Credit Union branch at 2811 Wayne Memorial Dr or call 919-734-1238 today to experience community-focused service. 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 2811 Wayne Memorial Dr, Goldsboro, NC 27534. Since our establishment in 1937, we have proudly served our community, growing into a member-focused credit union with a total membership of over 2.8 million individuals. With assets totaling an impressive $57,229,286,839, we are here to provide you with a wide range of financial services tailored to meet your needs. At State Employees', we believe in the power of community and the importance of personal connections. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, works tirelessly to ensure that you receive not just services but also support on your financial journey. We aim to empower our members through various offerings, including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. While members can visit us at our Goldsboro branch for all banking needs, please direct any official correspondence to the same address listed above. Our commitment goes beyond just numbers; it's about building relationships that matter. With total deposits reaching $7,866,265,767 and a robust net worth of $5,446,832,560, we are well-positioned to help you achieve your financial goals. We understand that every member has unique needs. Whether you're looking for a loan or want to explore online banking options, we're here to assist you every step of the way. Reach out to us at (919) 734-1238 or visit our website at ncsecu.org to learn more about how we can serve you better. Join us as we continue to make a positive impact in Goldsboro and beyond!

Branch History & Mission

Community Focus

We understand the importance of community connections. That's why we partner with various local organizations to foster growth and development within Goldsboro and its surroundings. Whether it's sponsoring local events or participating in charitable causes, we strive to make a positive impact wherever possible.

Join Us!

As part of our ongoing commitment to excellence in service delivery, we offer conveniences such as ATM availability and drive-thru banking for those who prefer quick access to their funds. Our operating hours are designed with your schedule in mind: Monday through Friday from 8:30 AM to 5:30 PM. If you're looking for a financial partner that prioritizes your needs while giving back to the community, look no further than State Employees' Credit Union. Join us today and experience firsthand how we can help you achieve your financial goals! For more information or assistance, feel free to call us at 919-734-1238 or visit our website. Together, let's build a brighter future!

Our Journey

From our humble beginnings, State Employees' Credit Union has evolved into a trusted financial institution dedicated to serving the needs of our members. We opened our doors with the aim of providing affordable financial services to state employees and their families. Over the years, we've expanded our reach and resources, ensuring that every member has access to the tools they need for financial well-being. Our branch in Goldsboro stands as a testament to this evolution. It is more than just a place for transactions; it's a welcoming space where individuals can receive personal banking services, including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. We also offer online and mobile banking solutions to keep pace with the digital world.

Our Mission

At the heart of State Employees' Credit Union lies our mission: to provide exceptional service while supporting the financial health of our members and enhancing community welfare. We believe in empowering individuals through education about financial literacy and smart money management practices. Our commitment extends beyond banking; we actively engage in community outreach programs that aim to uplift local organizations and initiatives. While members can visit us at 2811 Wayne Memorial Dr for all their banking needs, official correspondence should be sent to 2811 WAYNE MEMORIAL DR, GOLDSBORO, NC 27534 if different from this address.

Branch Location & Accessibility

Welcome to the State Employees' branch located at 2811 Wayne Memorial Dr in Goldsboro, NC! We're proud to serve our community with a friendly face and convenient services tailored to meet your banking needs. Nestled near popular landmarks, our location is easy to find and access, making it simple for you to visit us. Our branch features ample parking and is fully accessible, with ADA-compliant entrances and ramps ensuring everyone can visit comfortably. If you need assistance or have any questions, our dedicated team is always ready to help. At State Employees', we understand that your time is valuable. That's why we offer operating hours from 8:30 AM to 5:30 PM, Monday through Friday. Whether you're looking to open a new account or simply need to make a deposit or withdrawal, we're here for you during those hours. Plus, with our drive-thru banking option available, you can complete simple transactions without leaving your car. For those who prefer self-service, we also have an ATM on-site for quick cash withdrawals and balance checks. While members can visit us at 2811 Wayne Memorial Dr, official correspondence should be sent to the same address for your convenience. Ready to experience personalized service? Give us a call at 919-734-1238 or stop by today! We look forward to welcoming you into our State Employees' family.

Member Eligibility

Becoming a member of State Employees' is more than just opening an account; it's about joining a community that values your financial well-being. If you're looking to experience personalized service and the benefits of being part of a supportive network, you'll be glad to know that membership is open to individuals who meet certain eligibility criteria. Generally, those who work for or are retired from the state government, as well as their family members, can join us. For more specific details on eligibility, feel free to check out our resource at http://www.ncsecu.org/join#eligibility. The process of becoming a member at State Employees' is simple and welcoming. You can start by visiting us at our location: 2811 Wayne Memorial Dr Goldsboro Nc 27534, or you can easily apply online through our account opening portal found here: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (919) 734-1238. We're here to help you every step of the way!

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. While we currently do not have specific figures for member or non-member commercial loans, our goal is to foster economic development in our community. We're here to help you navigate your financing options and find solutions that work for your business.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to simplify your payment processes. Imagine being able to accept payments from customers seamlessly whether in-store or online. Our merchant services make it easy for businesses like yours to manage transactions efficiently, allowing you more time to focus on what really matters: running your business. For more information on how we can assist you, visit us at 2811 Wayne Memorial Dr Goldsboro Nc 27534 in Goldsboro, NC, or give us a call at (919) 734-1238. Let's work together to turn your business aspirations into reality!

Comprehensive List Of Services

Business Banking Services

For our local entrepreneurs and business owners, business banking at State Employees' includes valuable resources like merchant services and business loans. We're committed to supporting the growth of small businesses in our community by providing the necessary tools for success.

Convenient Digital Banking Features

In today's fast-paced world, convenience matters. That's why we've invested in robust online and mobile banking solutions. With these tools, you can manage your accounts from anywhere at any time check balances, transfer funds, pay bills, and more all at your fingertips. Our ATM services also ensure that cash withdrawal is easy and accessible whenever you need it.

Credit Cards & Rewards

We understand that credit plays a significant role in financial health. That's why we offer credit cards with rewards that allow you to earn points on everyday purchases. These rewards can be redeemed for travel, merchandise, or even cash back turning your spending into something beneficial!

Drive-Thru & ATM Services

For those who prefer face-to-face interactions without stepping inside the branch, we offer basic drive-thru banking for deposits, withdrawals, and simple transactions. Our ATMs provide access for quick cash withdrawals or balance checks without the wait. At State Employees', we're proud to serve our members with a comprehensive range of financial services tailored just for you. If you have questions about any of our offerings or want to learn how we can assist with your specific needs, don't hesitate to reach out! Give us a call at (919) 734-1238, or visit us today at 2811 Wayne Memorial Dr Goldsboro Nc 27534 in beautiful Goldsboro, NC. Your journey toward better financial health starts here!

Personal Banking Solutions

Managing your finances should be straightforward and hassle-free. That's why we offer checking and savings accounts that suit various lifestyles and spending habits. Our accounts come with features that help you save more effectively and manage your day-to-day transactions easily. For those planning to purchase a vehicle, our auto loans and vehicle financing options provide flexible terms and competitive rates, making it easier for you to drive away in your dream car. When it comes to home ownership, our mortgage loans and refinancing options are designed to fit different budgets and needs. Whether you're buying your first home or looking to refinance an existing mortgage, our friendly staff is here to guide you through the process. Additionally, if you're facing financial challenges or looking to consolidate debt, our personal loans can help ease the burden by providing necessary funds when you need them most.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You can start exploring these features by visiting us at https://www.ncsecu.org/. For those who prefer a mobile experience, our dedicated mobile application makes banking as easy as a few taps on your smartphone. With mobile payments available, you can make purchases quickly and securely without needing your card.

Real-Time Management

We know that life can be unpredictable. That's why we offer person-to-person transfers to help you send money to friends and family with ease (though this feature isn't currently available). With real-time account management tools at your fingertips, you can handle your banking tasks whenever they arise. Experience the freedom of managing your finances effectively with our comprehensive digital banking services at State Employees'!

Security and Convenience

Your security is our top priority. Our system utilizes electronic signature authorization, ensuring that every transaction is safe and sound. Plus, with e-statements available, you can keep track of your finances without the clutter of paper statements. We've made it simple for you to stay organized while also protecting your personal information.

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 committed to ensuring that your money is safe while providing you with opportunities for growth and success. 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 supports members' financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases. Our financial results reflect our operational efficiency; our $0 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. Net Shares (Funds available for lending and investments): $574,556,810. Total Share Accounts: 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 2811 Wayne Memorial Dr Goldsboro Nc 27534 or call (919) 734-1238 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. Whether you're looking for financing for a brand-new model or a reliable pre-owned option, we have solutions tailored just for you.

Credit Lines and Unsecured Loans

For those needing flexible access to funds, our credit lines totaling $18,909,000,000 provide an easy way to manage unexpected expenses. 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.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. These loans can help you secure your dream home or refinance your existing mortgage to save on payments.

Refinancing Options

If you're considering refinancing any of your existing loans or want to explore eligibility options for our various loan products, we're here to assist you. Our team is dedicated to guiding you through the process and finding the right solution for your situation. Our commitment is not just about providing loans; it's about fostering financial well-being within our community. For more information about our loan offerings or to see how we can assist you in achieving your financial goals, please reach out to us at 919-734-1238. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to serving you!

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