State Employees' Credit Union Granite Falls NC: Affordable Vehicle Loans & Business Banking

Introduction

Welcome to State Employees', your trusted credit union in the heart of Granite Falls, NC! Located at 145 N Highland Ave, we pride ourselves on being a cornerstone of financial support for our community since our establishment in 1937. With over 2.8 million members and assets totaling an impressive $57.2 billion, we are committed to providing exceptional service that meets the unique needs of each individual. At State Employees', we understand that managing finances can be daunting. That's why our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, is here to guide you every step of the way. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans, mortgages, or business financing, we've got you covered. Our branch has grown significantly over the years, now boasting a total loan portfolio of 1,194,630 loans and deposits amounting to $7.9 billion. With a robust net worth of $5.4 billion and cash on hand exceeding $708 million, we ensure that your money is safe and accessible when you need it most. While members can visit us at our Granite Falls location, official correspondence should be sent to the same address: 145 N HIGHLAND AVE, GRANITE FALLS, NC 28630. Our friendly staff is available from 8:30 AM to 5:30 PM, ready to assist you with any inquiries or services you may need. Explore more about our offerings by visiting our website at ncsecu.org or give us a call at 828-396-3939. Join us today and experience the difference that a member-focused credit union can make in your financial journey!

Branch History & Mission

Community Engagement

State Employees' actively engages in various outreach efforts, partnering with local organizations to support education, health, and economic development initiatives in Granite Falls and beyond. We believe in giving back because we know that a strong community uplifts us all. While members can visit us at 145 N Highland Ave, official correspondence should be sent to 145 N HIGHLAND AVE, GRANITE FALLS, NC 28630 if you need to reach out by mail.

Join Us Today!

As we look toward the future, we invite you to be part of our growing family. Experience firsthand how State Employees' Credit Union can help you achieve your financial goals while making a positive impact in your community. Contact us at 828-396-3939 or visit our website at ncsecu.org for more information on membership eligibility and account opening procedures. Together, let's build a brighter financial future!

Our Journey

From humble beginnings, State Employees' has grown significantly over the decades. What started as a small credit union has now blossomed into an institution with total assets exceeding $57 billion. Our commitment to our members and the community has driven this growth, allowing us to offer a wide array of services such as personal banking, auto loans, mortgages, and business banking solutions. Our journey reflects not just numbers but stories of individual members who have turned their dreams into reality with our support. We believe that every member's success is a testament to our mission.

Our Mission

At the heart of State Employees' Credit Union is a simple yet powerful mission: to provide affordable financial services while fostering community well-being. We strive to make banking accessible and beneficial for everyone. Whether it's offering competitive loan rates or creating programs that support local initiatives, our focus remains on serving you and enriching our community. We understand the importance of modern banking needs; that's why we provide online and mobile banking options for your convenience. Our branch also features ATM availability and drive-thru services for easy access to your accounts. We are committed to ensuring that all our facilities comply with ADA standards, making banking easier for everyone.

Branch Location & Accessibility

Welcome to the State Employees' branch located at 145 N Highland Ave in beautiful Granite Falls, NC! Our branch is nestled in a vibrant community, easily accessible for all your banking needs. Just a short drive from popular local spots, including the scenic Granite Falls Park, our location offers both convenience and comfort for our members. At State Employees', we prioritize accessibility. Our branch features ADA-compliant facilities, ensuring everyone can easily navigate their way in and out. Plus, ample parking is available right outside our doors, making it easy for you to stop by anytime. Whether you prefer visiting during our convenient lobby hours from 8:30 AM to 5:30 PM on weekdays or utilizing our drive-thru service for quick transactions like deposits and withdrawals, we've got you covered. We also offer ATM access for those who need cash on the go because we know life can be busy! While members can visit us at 145 N Highland Ave, official correspondence should be sent to the same address. If you're ever unsure about anything or need assistance, feel free to reach out to us at 828-396-3939. Our friendly team is here to help! We invite you to come explore all that State Employees' has to offer whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages. Stop by today and see how we can assist you on your financial journey!

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a welcoming and supportive community. Becoming a member is easier than you might think! If you live, work, or attend school in the areas we serve, you're likely eligible to join us. We also welcome family members of existing members, making it even easier for loved ones to benefit from our services. For more detailed information about eligibility criteria, feel free to visit our website at http://www.ncsecu.org/join#eligibility. Joining State Employees' opens up a world of financial opportunities tailored just for you. Our members enjoy competitive rates on loans and savings, along with personalized service from friendly staff who truly care about your financial well-being. Ready to take the first step? Opening an account is simple just visit us at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (828) 396-3939. We can't wait to have you as part of our family at State Employees', located at 145 N Highland Ave Granite Falls Nc 28630!

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 Made Easy

In addition to loans, we offer merchant services that simplify payment processing for your customers. Imagine being able to accept payments seamlessly, whether in-store or online. This not only enhances customer satisfaction but also boosts your sales potential. Our tools are designed to help you manage transactions efficiently so you can focus on what really matters growing your business. Located at 145 N Highland Ave Granite Falls Nc 28630, Granite Falls, NC, we invite you to explore how our business banking and commercial services can empower your entrepreneurial journey. For more information, call us at (828) 396-3939 or visit our website at https://www.ncsecu.org/.

Comprehensive List Of Services

ATM Access & Drive-Thru Services

For those times when you need cash or want to conduct simple transactions quickly, our convenient ATM availability ensures you can access your funds without hassle. Additionally, our basic drive-thru banking allows for easy deposits and withdrawals right from your vehicle. At State Employees', located at 145 N Highland Ave Granite Falls Nc 28630, we're proud to serve our community with dedication and care. If you're interested in any of these services or have questions about how we can assist you further, don't hesitate to reach out! You can contact us at (828) 396-3939 or visit us during our operating hours from 8:30 AM to 5:30 PM on weekdays. Join us today at Granite Falls, where we're not just another credit union; we're part of your financial success story!

Business Banking Services

If you're a business owner, our business banking services, including merchant services and business loans, are designed to help your venture thrive. We understand the unique challenges businesses face and are here to support you every step of the way.

Convenient Digital Banking

In today's fast-paced world, having access to your bank anytime is essential. That's why we offer robust online and mobile banking services. With features like mobile payments and electronic statements, managing your finances has never been easier or more secure.

Credit Cards with Benefits

For those who enjoy rewards on their purchases, our credit cards with rewards can add extra value to your everyday spending. Earn points as you shop, dine, or travel it's an easy way to make your money work for you.

Home Financing Made Easy

Buying a home is one of the biggest decisions you'll make. That's why we provide tailored mortgage loans and refinancing solutions that fit your specific situation. Our team at Granite Falls is ready to guide you through the process, ensuring you find the best rates and terms available.

Personal Banking Solutions

Managing your money should be straightforward and rewarding. At State Employees', we offer various personal banking options, including checking and savings accounts that help you keep track of your finances effortlessly. If you're considering purchasing a new car, our auto loans and vehicle financing can provide the support you need to make that dream a reality. We also understand that life can throw curveballs, so our personal loans and debt consolidation options are designed to help you manage unexpected expenses effectively.

Digital & Online Banking

Key Features

One standout feature is our mobile application, which makes banking even more convenient. You can deposit checks, transfer funds, and make payments right from your smartphone. If you're always on the move, you'll appreciate our mobile payments option that lets you pay securely using your device. For those who prefer paperless options, we offer e-statements, making it easy to keep track of your finances without cluttering your mailbox. You can also sign documents electronically with our electronic signature authorization, ensuring a quick and secure process for managing important paperwork. While we currently do not support person-to-person transfers, our focus remains on providing a user-friendly experience that keeps your information safe and secure. Your privacy is paramount, and we ensure that all transactions are protected with the latest security measures. Overall, our digital banking services at State Employees' combine accessibility with ease-of-use, allowing you to manage your financial life in real-time. Whether you're checking your balance or making a payment, we're here to support you every step of the way!

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 understand that in today's world, having a trusted financial partner is crucial for peace of mind. 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 highlighted by our net worth ratio of 9.71%, which ensures 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 capacity to lend is 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. Our operational efficiency is evident in our $2,145,244, allowing 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. Additionally, net shares (funds available for lending and investments) stand at $574,556,810, demonstrating our readiness to assist you. With a total of 5,850,875 share accounts, our growing member base shows the trust placed in us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 145 N Highland Ave Granite Falls Nc 28630 or call (828) 396-3939 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. We currently have 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 new or used vehicle, we make financing straightforward and accessible.

Credit Lines

We provide total credit lines amounting to $18,909,000,000, giving you access to additional funds when you need them most. This option is ideal for managing unexpected expenses or funding projects without a lengthy application process. At State Employees', we believe that every member deserves access to financial resources tailored to their unique circumstances. If you're considering refinancing or want more information about eligibility options for our loan products, don't hesitate to reach out. For any questions or assistance regarding our loan offerings or services, feel free to call us at 828-396-3939. 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're here to help you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. We simplify the process of buying or refinancing your home so you can focus on what truly matters creating memories in your new space.

Unsecured Credit Card Loans

For those looking for flexibility in managing their finances, we also offer unsecured credit card loans with a total of $1,177,171,541 in loans available. These cards come with manageable terms that fit into your budget while providing you the freedom to spend as needed.

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Real-Time Rate Comparisons

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STATE EMPLOYEES' CREDIT UNION - Granite Falls, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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