Nc State Employee Credit Union

Located in the friendly community of Granite Quarry, the State Employees' Credit Union branch at 970 N Salisbury Gq Ave is your trusted partner for personalized financial solutions. Whether you're looking to drive away with some of the best auto loans and flexible vehicle financing or manage your personal banking through convenient checking and savings accounts, this branch offers expert support tailored to fit your lifestyle. Open Monday through Friday from 8:30 AM to 5:30 PM, you’ll find easy access to services including a drive-thru for quick deposits and withdrawals, plus an onsite ATM for round-the-clock convenience.
Serving over 2.8 million members statewide with assets exceeding $57 billion, this Granite Quarry location also shines in competitive mortgage loans and refinancing options designed to make homeownership more attainable. Local businesses can take advantage of merchant services and business loans crafted to fuel growth. With online and mobile banking platforms available, managing your finances has never been easier.
Visit the State Employees’ Credit Union branch at 970 N Salisbury Gq Ave or call 704-209-5538 today to experience community-driven service. Discover how our signature auto loans and mortgage programs can help you confidently accelerate toward your financial goals!

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' Credit Union, your trusted financial partner located at 970 N Salisbury Gq Ave, Granite Quarry, NC 28146. Since opening our doors in 1937, we have been dedicated to serving our community with integrity and care. With over 2.8 million members, we pride ourselves on fostering a welcoming environment where you can manage your finances confidently. At State Employees', we understand the importance of building strong relationships with our members. Our commitment is reflected in our impressive total assets of $57,229,286,839 and total deposits amounting to $7,866,265,767. With a robust net worth of $5,446,832,560, we are well-positioned to offer competitive rates and comprehensive services tailored just for you. Led by our CEO, Leigh Brady, and Board President, Mona Moon, our team of over 8,200 employees is here to assist you with a range of financial products including personal banking accounts, auto loans, mortgages, and more. We are proud to be part of the Granite Quarry community and strive to make a positive impact through our various initiatives. For those looking for convenience, our branch features an ATM and drive-thru service for easy access to your funds. While members can visit us at the branch address mentioned above for all their banking needs, official correspondence should be directed to our mailing address: 970 N. SALISBURY AVE., GRANITE QUARRY, NC 28146-6886. If you're ready to take control of your financial future or simply have questions about our services, don't hesitate to reach out! Call us today at 704-209-5538 or explore more about what we offer on our website here. Join us in achieving your financial goals together!

Branch History & Mission

Welcome to State Employees', your trusted credit union in Granite Quarry, NC. Since opening our doors in 1937, we have been dedicated to serving our community and helping our members achieve their financial goals. With a rich history spanning over eight decades, we have grown alongside our members, adapting to meet their needs while remaining firmly rooted in the values of service and integrity. Located at 970 N Salisbury Gq Ave, Granite Quarry, NC 28146, our branch is easily accessible for all your banking needs. If you need to send official correspondence, please direct it to our mailing address at 970 N. SALISBURY AVE., GRANITE QUARRY, NC 28146-6886. Our branch not only offers a welcoming atmosphere but also boasts convenient services such as drive-thru banking and ATM access, ensuring that you can manage your finances effortlessly. As part of the larger State Employees' family headquartered in Raleigh, NC, we are proud to serve a membership base of over 2.8 million individuals. Our total assets now stand at an impressive $57,229,286,839, reflecting our commitment to responsible growth and sound financial practices. We believe that every member deserves access to quality financial services and support. At State Employees', our mission is simple yet powerful: to enhance the well-being of our members and the communities we serve. We strive to provide personalized financial solutions ranging from checking accounts and savings plans to auto loans and mortgages. We understand that everyone's financial journey is unique, which is why we offer tailored services designed with you in mind. Our commitment goes beyond just banking; we actively engage with our community through outreach programs and partnerships aimed at making a positive impact. We believe in empowering our members not only with financial tools but also with knowledge and resources that can lead to better decisions. We're also excited about the digital advancements we've made. Our online banking services allow you to manage your account from anywhere, anytime. From mobile payments to electronic statements, we ensure you have everything you need at your fingertips while maintaining ADA compliance for accessibility. As you consider joining us or utilizing our services, know that we're here for you every step of the way. Whether you're looking for a new bank account or seeking advice on loans, our friendly staff is ready to assist you during operating hours from Monday to Friday, 8:30 AM - 5:30 PM. We invite you to become part of the State Employees' family today! Experience firsthand the benefits of membership with us where community matters most. For more information or assistance, feel free to reach out at 704-209-5538 or visit us online at ncsecu.org. Join us as we continue this journey together!

Branch Location & Accessibility

Accessibility and Features

At State Employees', we prioritize making banking easy for everyone. Our branch features ADA-compliant facilities, including ramps for easy access. We offer ample parking right outside the entrance, ensuring a hassle-free experience when you come to see us. For those who prefer convenience, our drive-thru service allows you to handle basic transactions without leaving your vehicle.

Operating Hours

We understand that life can get busy! That's why we're open Monday through Friday from 8:30 AM to 5:30 PM. Whether you need help with checking and savings accounts or are looking for auto loans and mortgages, our dedicated team is ready to assist you during these hours.

Services Offered

At State Employees', we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to loans for vehicles and homes, we aim to support your financial journey every step of the way. Additionally, our ATM is available for quick cash withdrawals and balance checks whenever you need it. If you're ever unsure about how we can help or want more information about our services, feel free to give us a call at 704-209-5538.

Visit Us Today!

We invite you to stop by the State Employees' branch in Granite Quarry today! Experience firsthand our commitment to excellent service and community support. Whether you're an existing member or looking to join us, we're excited to welcome you into our family!

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 live, work, or worship in the area, you might be just the right fit for us! Our membership is open to a diverse range of individuals, including state employees and their families. This welcoming approach ensures that everyone has the chance to benefit from our personalized services, competitive rates, and supportive environment. To see if you qualify and learn more about the membership process, feel free to check out the detailed eligibility criteria at http://www.ncsecu.org/join#eligibility. When you're ready to take the next step, opening an account with us is simple and straightforward just visit https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (704) 209-5538. We can't wait to welcome you to State Employees' at 970 N Salisbury Gq Ave Granite Quarry Nc 28146, where we're dedicated to helping you reach your financial goals!

Business Banking & Commercial Services

Business Loans That Fuel 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 for Everyday Needs

Running a business means managing transactions efficiently. Our merchant services simplify payment processing, enabling you to focus on what matters most your customers. Imagine seamlessly accepting payments from various methods, whether it's credit cards, mobile wallets, or online transactions. This flexibility not only improves customer satisfaction but also enhances your cash flow. Located at 970 N Salisbury Gq Ave Granite Quarry Nc 28146 in Granite Quarry, NC, we're here to help you navigate the financial landscape with ease. Contact us today at (704) 209-5538 to learn more about how our tailored solutions can benefit your business!

Comprehensive List Of Services

Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we've invested in online and mobile banking services that let you manage your finances anytime, anywhere. From checking balances to making transfers, everything is just a few taps away on your smartphone or computer. Plus, with our ATM services available for cash withdrawals and balance checks, accessing your funds has never been easier.

Financing Your Dreams

Dreaming of a new vehicle? Our auto loans and vehicle financing options make it easy to hit the road in style. With competitive rates and flexible terms, we help you find the right loan that fits your budget. If homeownership is on your horizon, explore our mortgage loans and refinancing options designed to make the process straightforward and stress-free.

Friendly Service When You Need It

At State Employees', we know that sometimes you prefer face-to-face interactions. Our drive-thru service offers quick access for deposits and withdrawals without leaving your vehicle. We are committed to providing friendly assistance during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM. As part of our dedication to making banking accessible, we encourage you to reach out with any questions or needs. You can contact us at (704) 209-5538 or visit our website at https://www.ncsecu.org/ for more information about all the services we offer. Take the next step towards better financial health with State Employees'! Join us today and experience the difference in community-focused banking.

Personal Banking Made Easy

We understand that managing finances can be overwhelming at times. That's why we offer personal banking services, including checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a vacation or planning for retirement, our accounts come with features that help you grow your savings while keeping your funds accessible.

Simplifying Loans and Credit

In addition to auto loans, we also offer personal loans for debt consolidation or unexpected expenses. Our credit cards come with rewards programs that allow you to earn while you spend making every purchase a little more rewarding. For our business members, we provide specialized banking solutions including merchant services and business loans. This means whether you're starting out or looking to expand, we've got your back with tailored financial solutions.

Digital & Online Banking

Accessibility and Ease-of-Use

We understand that transferring money between friends or family is a common need. While person-to-person transfers aren't available right now, we're continually looking for ways to enhance our services. For all other transactions, our online platform ensures real-time account management so you can stay updated on your finances. In summary, State Employees' provides a range of digital banking options that prioritize your convenience and security. Visit us today at https://www.ncsecu.org/ to learn more about how we can help simplify your banking experience!

Key Features

By visiting https://www.ncsecu.org/, you can explore a variety of online banking features tailored to meet your needs. Our 24/7 online banking service allows you to check balances, pay bills, and transfer funds at any time. No more waiting for business hours; your bank is always open! Security is a top priority for us. With electronic signature authorization available, signing documents is simple and secure. You can also opt for e-statements, helping you stay organized while reducing paper clutter it's good for both you and the environment! For those on the go, our mobile application makes it easy to manage your accounts right from your smartphone. Plus, with mobile payments enabled, you can pay for purchases quickly and securely without fumbling for cash or cards.

Financial Strength

Commitment to Reinvestment

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 your financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases.

Operational Efficiency

Our commitment to efficiency is reflected in our $0, 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.

Secure Savings Options

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.

Strong Net Worth

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.

Trusted Partner for Your Financial Goals

Net Shares (Funds available for lending and investments): $574,556,810. Total Share and Deposit 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 970 N Salisbury Gq Ave Granite Quarry Nc 28146 or call (704) 209-5538 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 interested in financing a brand-new model or a reliable pre-owned vehicle, we provide flexible terms that fit your budget.

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 strive to guide you through every step of the process, ensuring you understand your options and receive the best rates available.

Other Financial Products

In addition to auto and mortgage loans, we provide credit lines totaling $18,909,000,000, allowing members access to funds when needed without having to go through a lengthy application process each time. If you're considering refinancing your existing loans or exploring eligibility options for any of our products, our team is here to assist you every step of the way. If you're interested in learning more about our loan offerings or if you have any questions about eligibility, don't hesitate to reach out! You can contact us at (704) 209-5538, visit us at 970 N Salisbury Gq Ave Granite Quarry Nc 28146, Granite Quarry, NC, or check out our website at https://www.ncsecu.org/. At State Employees', we're dedicated to helping our members achieve their financial dreams while providing excellent service along the way.

Unsecured Credit Card Loans

For those looking for additional flexibility, we also offer unsecured credit card loans, with a total of $1,177,171,541 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards programs designed to benefit our members as they spend.

Loan Aggregator

No Sponsored Listings

LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results so you can focus on finding the best loan for your situation without any hidden agendas influencing your choices.

Real-Time Rate Comparisons

With up-to-date loan rates from multiple institutions, LendMesh enables users to make informed decisions quickly. You don't have to waste time digging through various websites or contacting lenders individually; everything you need is available in one place. Thousands of users trust LendMesh for their 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 reflects our commitment to helping individuals secure better financial outcomes. 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.

Verified Data

At LendMesh, we prioritize accuracy in loan comparisons. All loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. This commitment to verified data means you can trust the information provided when comparing different loan options.

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.