State Employees' Credit Union Henderson NC: Affordable Auto Loans & Mortgage Rates

Introduction

Welcome to State Employees', your trusted financial partner located at 1795 Graham Ave, Henderson, NC 27536. Established in 1937, our credit union has been dedicated to serving the needs of our members for over 85 years. With a robust membership of 2,847,943, we pride ourselves on being part of a community that values trust and reliability. At State Employees', we understand that financial security is crucial for individuals and families alike. That's why we manage a total asset portfolio worth an impressive $57,229,286,839. Our commitment to you is reflected in our total deposits of $7,866,265,767 and a net worth of $5,446,832,560, ensuring that your savings are in safe hands. Our experienced team, led by CEO Leigh Brady and Board President Mona Moon, is here to help you navigate your financial journey. Whether you're looking for personal banking options like checking accounts and auto loans or business services such as merchant services and business loans, we have something for everyone. While members can visit us at 1795 Graham Ave, official correspondence should be sent to the same address as our mailing address: 1795 GRAHAM AVE, HENDERSON, NC 27536. We're proud to offer various services tailored to meet your needs including online and mobile banking options for your convenience. With over 8,258 dedicated employees ready to assist you during our lobby hours from 8:30 AM to 5:30 PM, we invite you to experience the difference of being part of a credit union that puts people before profits. Feel free to reach out to us at (252) 492-0168 or visit our website at ncsecu.org for more information. Join us today and become part of a financial family that truly cares about your success!

Branch History & Mission

Community Connections

Throughout our history, we've formed partnerships with various local organizations to uplift our community further. Whether it's sponsoring events or participating in charity drives, we believe in working together for a brighter future. While members can visit us at 1795 Graham Ave for all their banking needs, official correspondence should be sent to 1795 GRAHAM AVE, HENDERSON, NC 27536 if different from the branch address. As we look ahead to the future, we invite you to join us on this journey. Experience firsthand how being part of State Employees' can positively impact your financial life and help you achieve your goals. Visit us during our operating hours from 8:30 AM to 5:30 PM Monday through Friday or reach out at (252) 492-0168. Together, let's build a thriving community!

Our Mission

Our mission at State Employees' is simple yet impactful: we strive to provide exceptional financial services while enhancing the well-being of our community. We believe in giving back whether it's through educational workshops or supporting local initiatives. We want every member to feel valued and understood. In addition to traditional banking services, we've embraced digital advancements that make banking easier and more efficient for everyone. With features like online banking and mobile payments available at your fingertips, we ensure you can manage your finances conveniently. We also take pride in being ADA compliant and customer-centric. Our drive-thru service offers basic transactions for those on the go, while our ATMs are readily available for quick cash withdrawals or balance checks.

Branch Location & Accessibility

Welcome to the State Employees' branch located at 1795 Graham Ave, Henderson, NC 27536. We're thrilled to be part of the Henderson community, offering our members a friendly and accessible banking experience. Our branch is conveniently situated near local landmarks, making it easy for you to stop by while running errands or enjoying a day out in the city. At this location, you'll find ample parking to make your visit hassle-free. We take pride in ensuring that our facilities are accessible for everyone, with ADA-compliant features and ramps available for those who need them. Whether you prefer to walk in or use our drive-thru service, we have options that cater to your needs. Our lobby hours are designed with your schedule in mind; we're open Monday through Friday from 8:30 AM to 5:30 PM. If you need assistance outside of these hours, don't hesitate to reach out! You can contact us at 252-492-0168, and our team will be happy to help. For those on-the-go, we provide convenient ATM services right here at our branch, so you can easily access your funds whenever you need them. Our drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle perfect for busy days! While members can visit us at 1795 Graham Ave, official correspondence should be sent to 1795 GRAHAM AVE, HENDERSON, NC 27536. We invite you to come by and explore the various services we offer, including checking and savings accounts, auto loans, mortgages, personal loans, and more. Come visit us today! We look forward to welcoming you into the State Employees' family and helping you with all your banking needs.

Member Eligibility

At State Employees', we believe that joining our community should feel like stepping into a warm and welcoming space where you can thrive financially. Becoming a member is simple! If you live, work, or worship in the area, you're likely eligible to join us. We also welcome family members of existing members, making it easy for your loved ones to enjoy the benefits we offer. To find out more about who can become a member, check out the detailed eligibility criteria at http://www.ncsecu.org/join#eligibility . Once you know you're eligible, opening an account is just as straightforward. You can start the process online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx ?role=secu or give us a call at (252) 492-0168 if you have any questions. We're here to help you every step of the way! At State Employees', you're not just a number; you're part of our family.

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced world, efficient payment processing is crucial. Our merchant services offer the tools you need to accept payments effortlessly, whether online or in-person. Picture this: a customer walks into your store and can pay quickly with their smartphone, while you seamlessly track sales and manage inventory all thanks to our integrated solutions. Located at 1795 Graham Ave Henderson Nc 27536, Henderson, NC, we're here to empower your business every step of the way. Reach out to us at (252) 492-0168 or visit our website here to learn more about how we can partner in your success!

Tailored Business Loan Options

Imagine securing the funds you need to launch a new product line or renovate your storefront. 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car or truck, our auto loans and vehicle financing options provide competitive rates and flexible terms. We understand how important reliable transportation is for you and your family. Our team is dedicated to helping you find the best loan that suits your budget.

Business Banking

For local business owners, we offer business banking services including merchant services and business loans. We know how hard you work to run your business, so we're committed to providing the financial support necessary for growth and success.

Convenient Access

In addition to these services, we provide ATM access for quick cash withdrawals and balance checks. Our drive-thru service allows for easy deposits and withdrawals without leaving your vehicle ideal for busy days when time is tight. Whether you're visiting us in person or using our digital banking features through online platforms or mobile apps, State Employees' ensures that managing your finances is as simple and convenient as possible. If you're ready to take the next step in achieving your financial goals or need assistance with any of our services, don't hesitate to reach out! Call us at 252-492-0168 or visit our website at www.ncsecu.org today. We're excited to help you on your journey toward financial wellness!

Credit Cards with Rewards

Our credit cards come with rewards programs that allow you to earn points for everyday purchases. This means that when you use your card responsibly, you can enjoy benefits like cash back or travel rewards, adding value to your spending.

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans are tailored to help you navigate the home-buying process smoothly. We also offer refinancing options that may lower your monthly payments or help you tap into your home's equity for other financial needs.

Personal Banking

Our personal banking services include checking and savings accounts designed to fit your lifestyle. Imagine having easy access to your funds while also earning interest on your savings. With our online and mobile banking options, you can manage your accounts from anywhere at any time, making it easier than ever to keep track of your finances.

Personal Loans & Debt Consolidation

For those looking to consolidate debt or fund a special project, our personal loans can be a great solution. Whether it's funding a vacation, home improvement, or managing unexpected expenses, we're here to help with straightforward terms and fast approvals.

Digital & Online Banking

Real-Time Account Management

Managing your finances has never been easier. Whether it's checking balances or making payments, everything is designed with you in mind. Our intuitive online banking interface allows for real-time account management so you can make informed decisions about your money quickly. At State Employees', we're committed to providing our members with the tools they need for effective financial management. Explore all these features today at https://www.ncsecu.org/ and experience the ease of digital banking with us!

User-Friendly Features

We know security is a top concern for our members. That's why we provide electronic signature authorization, making it simple and safe to sign documents digitally without needing to visit a branch. Plus, with e-statements available, you can keep track of your transactions securely and conveniently while reducing paper clutter. If you're always on the move, our mobile application is here to help! With features like mobile payments, you can make transactions directly from your smartphone no wallet necessary. Just tap and go! And if you ever need to send money to friends or family, our person-to-person transfers are straightforward and efficient.

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 supports members' financial goals across various sectors with $193,516 in used auto loans and a total of $34,904,944,116 in loans and leases.

Member Savings and Investments

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 operational efficiency is reflected in our 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 and 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.

Strong Member Base

Total Share Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) amount to $574,556,810, further underlining our commitment to supporting your financial journey. 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 1795 Graham Ave Henderson Nc 27536 or call 252-492-0168 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 are looking for financing for a new or used vehicle, we have options tailored to fit your budget.

Credit Lines

For those needing additional flexibility, our total credit lines amounting to $18,909,000,000 are available to help manage unexpected expenses or larger purchases without disrupting your financial flow. Our team at State Employees', located at 1795 Graham Ave Henderson Nc 27536, Henderson, NC, is ready to assist you. You can reach us at (252) 492-0168 during our operating hours from 8:30 AM to 5:30 PM. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're interested in exploring refinancing options or checking eligibility for any of our loan products, visit our website or contact us today!

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're here to guide you through each step of the process and help you find the right mortgage solution for your needs.

Unsecured Credit Cards

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. These credit cards come with benefits that can simplify your spending and provide peace of mind.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in the options presented. Moreover, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve your interests. With real-time rate comparisons from multiple institutions, you can make informed decisions quickly. Whether you're looking for a mortgage, an auto loan, or a personal loan, LendMesh equips you with up-to-date information that reflects current market conditions. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This type of feedback underscores the effectiveness of using this platform for finding competitive loan rates. 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.

STATE EMPLOYEES' CREDIT UNION - Henderson, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans