State Employees' Credit Union Grantsboro NC: Low Mortgage Rates & Auto Loans

Introduction

Welcome to State Employees' Credit Union in Grantsboro, where your financial well-being is our top priority! Established in 1937, we have been a trusted partner for our members in this vibrant community for over eight decades. With a commitment to serving you better, we proudly manage over $57 billion in assets and cater to nearly 2.85 million members. Located at 11247 Nc 55 Hwy, Grantsboro, NC 28529, our branch is designed with you in mind. We offer a wide range of financial services, including checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. Whether you're looking to consolidate debt or purchase your dream home, our dedicated team is here to help you navigate your options. Under the leadership of CEO Leigh Brady and Board President Mona Moon, we strive to create a supportive environment for all members. Our staff of 8,258 employees is ready to assist you during our lobby hours from Monday to Friday, 8:30 AM - 5:30 PM. While members can visit us at our Grantsboro location, official correspondence should be sent to 11247 NC 55 HWY, GRANTSBORO, NC 28529 if different from the branch address. At State Employees', we take pride in our strong financial health, backed by total deposits exceeding $7.86 billion, a net worth of $5.45 billion, and cash on hand amounting to $708 million. Our focus is not just on numbers; it's about making a meaningful impact in your life and the community. We invite you to explore how we can support your financial goals today! For more information or inquiries, please call us at (252) 745-4664 or visit our website at ncsecu.org. Let's build a brighter financial future together!

Branch History & Mission

Community Engagement

State Employees' Credit Union is more than just a financial institution; we are a partner in progress for Grantsboro. Through various partnerships with local organizations, we focus on initiatives that foster growth and stability within our community. Whether it's sponsoring local events or providing resources for education and health initiatives, we are dedicated to enriching the lives of those around us. While members can visit us at 11247 NC 55 Hwy for all their banking needs, official correspondence should be sent to our mailing address at 11247 NC 55 HWY, Grantsboro, NC 28529. Join us at State Employees' Credit Union today! Experience firsthand how we can support your financial journey while together making a meaningful difference in our community. For inquiries or more information about membership options, please call us at 252-745-4664 or visit our website here. Your path to better banking starts here!

Our Journey

Since opening our doors, we have dedicated ourselves to enhancing the financial well-being of our members. Over the years, we have reached significant milestones, including amassing total assets of over $57 billion. This growth reflects our unwavering dedication to providing quality financial services while ensuring the safety and security of our members' funds. Our commitment extends beyond just banking; it's about building lasting relationships with the communities we serve. We actively participate in local initiatives and outreach programs aimed at supporting education, health, and economic development in Grantsboro and surrounding areas.

Our Mission

The mission of State Employees' Credit Union is simple yet profound: to provide exceptional financial services while making a positive impact on our community. We believe in empowering individuals through accessible banking solutions tailored to their unique needs. From personal accounts and auto loans to mortgages and credit cards with rewards, we strive to offer products that enhance the financial lives of our members. We also prioritize inclusivity and accessibility. Our branch is equipped with modern amenities, including ADA-compliant facilities and digital advancements like online and mobile banking options. With ATM availability and drive-thru service hours from Monday to Friday between 8:30 AM and 5:30 PM, we ensure that banking with us is convenient for everyone.

Branch Location & Accessibility

Convenient Access and Parking

Parking is ample and easily accessible, ensuring that you can visit us without any hassle. Our branch is fully ADA compliant, featuring ramps and other accessibility options to make sure everyone can walk in comfortably. If you prefer a more straightforward experience, take advantage of our drive-thru service where you can handle deposits and withdrawals quickly from your vehicle.

Full Range of Services

At State Employees', we offer a wide range of services tailored to fit your financial needs. Enjoy personal banking options like checking and savings accounts, as well as auto loans and credit cards with rewards. Our ATM is available on-site for quick cash withdrawals and balance checks, so you always have access to your funds. While members can visit us at 11247 NC 55 Hwy, official correspondence should be sent to our mailing address at the same location. Feel free to give us a call at 252-745-4664 if you have any questions or need assistance before your visit. We invite you to stop by and see how we can help you achieve your financial goals!

Operating Hours That Fit Your Schedule

We understand that life can be busy. That's why our lobby hours are designed to accommodate your schedule. We're open Monday through Friday from 8:30 AM to 5:30 PM, ready to assist you with everything from personal banking solutions to loan inquiries.

Member Eligibility

At State Employees', we believe that everyone deserves the chance to be part of a supportive community, and becoming a member is simple! If you live, work, or attend school in the area, you're likely eligible to join us. We welcome individuals from various backgrounds, including those who may be family members of current members. To find out more about specific eligibility requirements, feel free to check our detailed guidelines at http://www.ncsecu.org/join#eligibility . Joining State Employees' not only opens the door to a range of financial products and services tailored just for you but also connects you with a network of like-minded individuals who share your values. It's easy to get started! You can open an account online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu , or if you prefer, give us a call at (252) 745-4664. We're here to help you every step of the way, making your membership experience as smooth and welcoming as possible. Your journey towards better banking starts here!

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 That Matter

In addition to loans, our merchant services are designed to simplify daily operations for local businesses. Imagine processing payments seamlessly from your customers, whether they're in-store or online. Our services ensure that you can focus on what you do best running your business while we take care of the transaction details. Located at 11247 Nc 55 Hwy Grantsboro Nc 28529 in Grantsboro, NC, we are dedicated to empowering local entrepreneurs like you. Reach out at (252) 745-4664 to learn more about how we can support your business journey!

Comprehensive List Of Services

Business Banking

For local entrepreneurs and business owners, our Business Banking services include Merchant Services & Business Loans that help you operate efficiently and grow your enterprise. We understand the unique challenges faced by businesses today and are committed to providing solutions that work for you.

Convenient Access

Accessing your accounts has never been easier. Our branch features include an ATM for quick cash withdrawals and basic transactions like balance checks. If you prefer face-to-face interactions, take advantage of our Drive-Thru Banking, where you can handle deposits and withdrawals without leaving your car.

Credit Options

Managing debt can be challenging, but our Personal Loans & Debt Consolidation services are designed to help simplify that process. We also offer Credit Cards with Rewards, allowing you to earn benefits while making everyday purchases.

Join Us Today!

We invite you to visit us at 11247 Nc 55 Hwy, Grantsboro, NC 28529, or give us a call at 252-745-4664 during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM. Discover how easy it is to manage your finances with our comprehensive range of services designed just for you. For more information about becoming a member or opening an account online, check out our website at ncsecu.org. Let us help you achieve your financial goals today!

Personal Banking

For those seeking personal banking solutions, we offer various Checking & Savings Accounts that cater to different lifestyles and financial goals. Imagine having an account that not only helps you save but also allows easy access to your funds through our Online & Mobile Banking services. You can check your balance, transfer money, or pay bills right from your smartphone. If you're considering purchasing a new car, our Auto Loans & Vehicle Financing options can make that dream a reality. With competitive rates and flexible terms, we ensure that financing your vehicle is as straightforward as possible. Additionally, our Mortgage Loans & Refinancing services provide members with opportunities to secure their dream homes or improve their current mortgage conditions.

Digital & Online Banking

Additional Benefits

While person-to-person transfers aren't currently available, we're committed to providing you with tools that enhance your banking experience. With real-time account management and user-friendly navigation, accessing your financial information has never been easier. With State Employees''s digital banking services, you can enjoy peace of mind knowing that your transactions are secure and that help is always available when you need it. Join us today at https://www.ncsecu.org/ and take control of your finances!

Key Features

Our online banking platform allows you to manage your accounts with ease. From checking your balance to transferring funds, everything is just a few clicks away. You can also opt for e-statements, which are not only environmentally friendly but also help you keep track of your finances without the clutter of paper statements. And if you need to sign documents quickly, our electronic signature authorization feature makes it simple and secure. For those on the go, our mobile application offers a convenient way to bank from your smartphone. You can make mobile payments effortlessly, ensuring that you're always prepared for whatever comes your way. Whether you're splitting a dinner bill or paying for groceries, our mobile payments feature has you covered.

Financial Strength

Growing Together

We currently manage $574,556,810 in net shares available for lending and investments. The strength of our community is evident with a total of 5,850,875 share accounts, showcasing 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 11247 Nc 55 Hwy Grantsboro Nc 28529 or call (252) 745-4664 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 robust; we offer $193,516 in used auto loans and $34,904,944,116 in total loans and leases to support your financial goals across various sectors.

Member-Centric Approach

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 operations reflect our commitment to efficiency with a net income of $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.

Solid Financial Health

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.

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 used vehicle, our team is here to assist you throughout the process.

Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $1,177,171,541 in loans available, we help members manage their finances effectively while enjoying the benefits of credit rewards.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, making it easier for you to invest in your future.

Other Loan Options

In addition to auto and mortgage loans, we offer various other financial products tailored to meet your needs: - Our total credit lines stand at $18,909,000,000, giving you access to additional funds as needed. - If you're considering refinancing options or want to check your eligibility for any of our loan products, please visit our website for more details: Eligibility Requirements. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At State Employees', we are committed to supporting our members every step of the way. Contact us today or visit our branch to explore how we can help you secure the financing you need!

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STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans