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

Introduction

Welcome to State Employees', where your financial well-being is our priority! Located at 235 Hwy 64 E, Hayesville, NC 28904, we have been serving our community since 1937. With a strong commitment to helping our members thrive, we are proud to support over 2.8 million members with personalized banking solutions that cater to their unique needs. At State Employees', we understand that financial decisions can be daunting. That's why our dedicated team is here to guide you every step of the way. Whether you're looking for a reliable checking account, an auto loan, or mortgage financing, our resources and expertise make it easy for you to achieve your financial goals. With total assets of $57,229,286,839 and total deposits of $7,866,265,767, we are built on a solid foundation of trust and stability. Our leadership team is committed to creating a welcoming environment. Under the guidance of CEO Leigh Brady and Board President Mona Moon, we strive to foster strong relationships with each member. Our staff of 8,258 employees is always ready to assist you with friendly service during our lobby hours from 8:30 AM to 5:30 PM, Monday through Friday. While members can visit us at our branch in Hayesville, official correspondence should be sent to the same address: 235 Hwy 64 E, Hayesville, NC 28904. For any inquiries or assistance, feel free to reach out at (828) 389-1946 or fax us at (919) 839-5353. Join us today and discover how State Employees' can help you navigate your financial journey with confidence. Visit our website at www.ncsecu.org for more information or to open an account online!

Branch History & Mission

A Community Focus

Our dedication goes beyond just providing financial products; it extends into nurturing the community around us. With drive-thru banking available for quick service and a commitment to ADA compliance, we ensure that everyone can access our resources comfortably. As part of a larger network headquartered in Raleigh, NC, we are proud of our role in fostering financial wellbeing across North Carolina. We invite you to join us on this journey experience firsthand how State Employees' Credit Union can support your financial goals while helping strengthen our shared community.

Join Us Today!

If you're looking for a credit union that values its members and strives for excellence in service delivery, look no further than State Employees' Credit Union in Hayesville. Connect with us today by calling 828-389-1946 or visit us during our operating hours from Monday to Friday between 8:30 AM and 5:30 PM. Join us as we continue to grow together!

Our Mission

At State Employees' Credit Union, our mission is clear: we are here to serve our members by offering financial solutions that foster growth and stability. We believe that banking should be more than just numbers it's about building relationships and supporting each other through life's ups and downs. We focus on providing high-quality services like checking and savings accounts, auto financing, mortgage loans, and credit cards with rewards. Additionally, we understand the importance of convenience in today's fast-paced world. That's why we offer online banking options, mobile applications for easy access on-the-go, and ATM availability at our branch. While members can visit us at 235 Hwy 64 E Hayesville NC 28904 for all their banking needs, official correspondence should be sent to the same address as well.

Our Story

Since our opening in 1937, State Employees' Credit Union has been dedicated to empowering individuals and families through sound financial solutions. Our journey began with a simple mission: to provide accessible banking services to state employees and their families. Over the decades, we have expanded our reach and services to include personal banking, auto loans, mortgages, and more all while maintaining a strong commitment to our founding principles. Our branch is not just a place for transactions; it's a hub for community engagement. We take pride in our various outreach efforts aimed at improving financial literacy and supporting local initiatives. Whether it's hosting workshops or partnering with local organizations, we strive to make a positive impact in Hayesville and beyond.

Branch Location & Accessibility

Call Us Today!

If you have questions or want more information about our services, don't hesitate to give us a call at 828-389-1946. We look forward to welcoming you into our branch soon! While members can visit us at 235 Hwy 64 E, official correspondence should be sent to the same address. Thank you for considering the State Employees' Credit Union as your financial partner!

Convenient Access

Whether you're stopping by for personal banking or looking for loan options, our location is designed with your convenience in mind. We have ample parking available, making it simple to hop in and out. Plus, our facilities are ADA compliant, ensuring that everyone can access our services comfortably.

Operating Hours

You can visit us Monday through Friday from 8:30 AM to 5:30 PM. Our dedicated staff is ready to assist you during these hours, whether you need help with setting up a checking account, discussing auto loans, or exploring mortgage options.

Services Offered

At the State Employees' Credit Union branch in Hayesville, we provide a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to vehicle financing and credit cards with rewards, we strive to offer something for everyone. Need cash? We have an ATM on-site for quick withdrawals and balance checks. For those who prefer the drive-thru experience, our drive-thru banking service allows you to make deposits and withdrawals without leaving your car.

Member Eligibility

At State Employees', we believe in creating a welcoming community where everyone feels valued and supported. Becoming a member is simple and open to those who share our vision of financial empowerment. If you live, work, or worship in the area, you're likely eligible to join us! We also welcome family members of current members, so it's easy to bring your loved ones into our caring fold. For more detailed eligibility criteria, feel free to check out our website at http://www.ncsecu.org/join#eligibility. Once you've determined your eligibility, opening an account with us is just as straightforward. You can start your journey by visiting us at our branch located at 235 Hwy 64 E Hayesville Nc 28904, or you can conveniently open an account online through this link: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, don't hesitate to reach out by calling us at (828) 389-1946. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans 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 Tailored to You

In addition to loans, we offer merchant services designed to simplify your payment processes. Picture this: you're running a busy day at your store, and customers are eager to check out. With our reliable payment processing solutions, you can accept payments quickly and efficiently, allowing you to focus on what truly matters serving your customers. Visit us at 235 Hwy 64 E Hayesville Nc 28904, Hayesville, NC, or call us at (828) 389-1946 to discover how we can empower your business today!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer comprehensive Business Banking solutions that include merchant services and business loans. This means whether you're running a small shop or managing a larger enterprise, you'll have the support you need to thrive.

Convenient Access Anytime

Your convenience matters to us. Enjoy easy access to funds with our ATM & Cash Withdrawal Services, or visit us during lobby hours for quick transactions at our drive-thru service. Even simple tasks like deposits and withdrawals become hassle-free with our basic drive-thru banking options.

Engage with Us Today!

Ready to explore how State Employees' can assist you on your financial journey? Give us a call at (828) 389-1946, visit us at 235 Hwy 64 E Hayesville Nc 28904, or check out our website at Hayesville. Our friendly team is eager to help you navigate your financial future with confidence!

Financing Your Future

Thinking about purchasing a new vehicle or refinancing an existing loan? Our Auto Loans & Vehicle Financing options provide flexible terms to fit your budget. If you're considering buying a home, our Mortgage Loans & Refinancing services can guide you through the process with expert advice tailored to your situation. Plus, our Personal Loans & Debt Consolidation offerings make it simple to achieve financial goals without stress.

Personal Banking Made Easy

Imagine starting your day knowing that your banking needs are taken care of. With our Personal Banking services, including checking and savings accounts, you can manage your money with ease. We offer competitive rates and user-friendly online and mobile banking options so you can access your accounts anytime, anywhere.

Rewarding Credit Options

Don't forget about our credit card options! With Credit Cards with Rewards, you can earn points for every purchase, turning everyday spending into exciting rewards. Whether it's cash back or travel perks, we have something for everyone.

Digital & Online Banking

Convenient Online Access

With our online banking platform, available at https://www.ncsecu.org/, you can manage your accounts from the comfort of your home or on the go. Whether you're checking your balance, transferring funds, or reviewing transaction history, everything you need is just a click away. Our 24/7 online banking services ensure that you can access your accounts anytime, day or night.

Mobile Banking at Your Fingertips

If you prefer managing your finances on the go, our mobile application is here to help. Easily download it to your smartphone and enjoy features like mobile payments that allow you to pay directly from your device. Need to send money to a friend? Although we currently don't offer person-to-person transfers, rest assured that our other features will meet your everyday banking needs effectively. With all these tools at your disposal, you can take control of your finances in real time. Banking with State Employees' means enjoying flexibility and peace of mind knowing that you're always connected to what matters most your financial well-being.

User-Friendly Features

We prioritize your security while making sure our services are user-friendly. With electronic signature authorization available, signing documents has never been easier or more secure. Plus, our e-statements make it simple to stay organized and environmentally friendly by reducing paper clutter.

Financial Strength

Commitment to Growth

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 robust; 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.

Growing Together

Total Share and Deposit Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. This trust fuels our growth as we continue to expand our offerings while maintaining the highest standards of service. 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 235 Hwy 64 E Hayesville Nc 28904 or call (828) 389-1946 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.

Member Savings are Our Priority

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.

Our Strong Financial Foundation

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 9.71% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reliable Operations

Our operational efficiency is reflected in our $2,145,244, which enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 7,729 full-time employees and 529 part-time employees ready to assist you with any questions or needs.

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 flexible terms and competitive interest rates to make your vehicle purchase as affordable as possible.

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through every step of the process.

Other Loan Options

In addition to auto and mortgage loans, we provide personal loans for debt consolidation and other financial needs. If you're interested in business opportunities, our commercial loan services can help support your entrepreneurial ventures.

Refinancing and Eligibility Options

If you're considering refinancing your current loans for better rates or terms, our knowledgeable staff can assist you in exploring those options. For information on eligibility requirements for any of our loan products, please visit our website or give us a call at (828) 389-1946. 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're committed to providing personalized service to help you navigate your financial journey successfully. Visit us today at 235 Hwy 64 E Hayesville Nc 28904, Hayesville, NC, or check out our website for more information!

Unsecured Credit Card Loans

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 and benefits tailored to fit your lifestyle, making it easier for you to handle everyday expenses.

Loan Aggregator

Benefits of Using LendMesh

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STATE EMPLOYEES' CREDIT UNION - Hayesville, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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