State Employees' Credit Union Hendersonville NC: Affordable Auto Loans & Business Banking

Introduction

Welcome to State Employees', your trusted financial partner in Hendersonville, NC. Located at 1377 Asheville Hwy, our credit union has been serving the community since 1937. With a strong commitment to our members, we proudly boast a total membership of over 2.8 million and manage assets exceeding $57 billion. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, is here to provide personalized financial solutions tailored to your needs. At State Employees', we understand the importance of reliable banking services. With total deposits reaching an impressive $7.87 billion and cash in hand amounting to $708 million, we ensure that your hard-earned money is secure and accessible. Whether you're looking for auto loans, mortgages, or simple checking accounts, our diverse range of services is designed with you in mind. For those who need assistance beyond regular banking hours, our lobby operates from 8:30 AM to 5:30 PM, Monday through Friday. And if you prefer digital convenience, we offer robust online and mobile banking options, making it easier than ever to manage your finances on-the-go. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to the same address: 1377 ASHEVILLE HWY, HENDERSONVILLE, NC 28791. Join us at State Employees' where we prioritize your financial well-being and community impact. Feel free to reach out at 828-697-9952 for more information or visit our website at ncsecu.org to explore all that we offer. Let's work together towards achieving your financial goals!

Branch History & Mission

A Commitment to Accessibility

We understand that financial services must be accessible to everyone. That's why we've embraced digital advancements like online banking and mobile payments while ensuring ADA compliance at all locations. We believe every member should have equal access to their financial resources.

Join Us Today

As we look ahead, State Employees' Credit Union remains committed to growing with our community and serving you better every day. If you're not yet part of our family, we invite you to join us today! Experience firsthand how we can help you achieve your financial goals while contributing positively to the community around us. For more information or to become a member, please call us at 828-697-9952 or visit us online at ncsecu.org. Together, let's build a brighter future for Hendersonville!

Our Evolution

Since opening our doors, we have achieved significant milestones that reflect our dedication to providing quality financial services. From humble beginnings, we now proudly hold total assets of approximately $57.2 billion, making us one of the largest credit unions in the state. Our growth is not just a number; it signifies our commitment to supporting our members through various life stages with reliable banking solutions. Our operating hours are designed to accommodate your busy schedule, available Monday through Friday from 8:30 AM to 5:30 PM. For those who prefer convenience, we offer drive-thru banking and ATM access, ensuring you can manage your finances easily and efficiently.

Our Mission

At the heart of State Employees' Credit Union is our mission: to improve the financial well-being of our members and enhance the communities we serve. We strive to provide personalized service while offering competitive rates on products such as auto loans, mortgages, and credit cards with rewards. Our dedication extends beyond banking; we actively engage in community outreach initiatives that strengthen local ties and foster mutual support. While members can visit us at 1377 Asheville Hwy, official correspondence should be sent to 1377 ASHEVILLE HWY, HENDERSONVILLE, NC 28791 if needed.

Branch Location & Accessibility

Join Us!

Have questions or need assistance? Don't hesitate to give us a call at 828-697-9952. We invite you to stop by and discover how State Employees' can help you achieve your financial goals. Our team is excited to welcome you!

Nearby Landmarks and Accessibility

Nestled along the bustling Asheville Highway, our branch is just a short drive from local favorites like the Blue Ridge Mall and Patton Park. With ample parking available right outside, you can pop in anytime without worrying about finding a spot. We also prioritize accessibility with ADA-compliant features, ensuring that everyone can enjoy our services comfortably.

Operating Hours and Services

At State Employees', we want to make banking as easy as possible. Our lobby hours run from 8:30 AM to 5:30 PM on weekdays, giving you plenty of time to visit us after work or during lunch breaks. If you're on the go, take advantage of our drive-thru service for quick deposits and withdrawals. Plus, with an ATM available on-site, accessing your funds has never been simpler. While members can visit us at 1377 Asheville Hwy for all their personal banking needs including checking and savings accounts, auto loans, mortgages, and credit cards official correspondence should be sent to our mailing address at 1377 ASHEVILLE HWY, HENDERSONVILLE, NC 28791.

Member Eligibility

Joining the State Employees' community is like stepping into a supportive family where your financial well-being is our priority. If you're wondering about becoming a member, the good news is that eligibility is open to various individuals and groups, including state employees and their families, as well as those living or working in certain areas. It's an easy process designed to welcome you with open arms! For detailed eligibility information, feel free to check out our website at http://www.ncsecu.org/join#eligibility . Once you find that you're eligible, opening an account is just as simple. You can get started by visiting us online at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx ?role=secu or by giving us a call at (828) 697-9952. Our friendly team at 1377 Asheville Hwy Hendersonville Nc 28791 in Hendersonville is here to help you every step of the way. Joining State Employees' means gaining access to personalized banking solutions tailored just for you so come be part of our community today!

Business Banking & Commercial Services

Lending Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, we aim to provide flexible financing solutions for businesses of all sizes. Our team is ready to guide you through your options, ensuring that you find the right loan structure to meet your unique needs.

Merchant Services Designed for Success

In addition to loans, we offer robust merchant services that help streamline payment processes and enhance customer satisfaction. Imagine being able to accept payments effortlessly, whether in-store or online, giving you more time to focus on what matters most growing your business. Our services are designed with your needs in mind, ensuring you have the tools necessary for success. Partner with us at State Employees' and experience how our business banking solutions can empower your vision. For more information or to get started, give us a call at (828) 697-9952 today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options can help make it happen. We provide flexible terms and competitive rates to ensure that you get behind the wheel without breaking the bank. Imagine driving off in your dream car, knowing you made a smart financial decision!

Business Banking

For our business members, we offer comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business goals.

Credit Cards with Rewards

With our credit cards offering rewards, you can earn points on everyday purchases while enjoying benefits such as cashback or travel perks. It's not just about spending; it's about getting more from what you spend!

Digital Banking Features

In today's fast-paced world, having access to your finances anytime is crucial. Our online and mobile banking platforms allow you to manage your accounts effortlessly from anywhere. You can check balances, transfer funds, and pay bills with just a few taps on your smartphone. Plus, with features like ATM access for withdrawals and balance checks, you'll always have easy access to cash when needed.

Drive-Thru & Basic ATM Services

For those who prefer face-to-face interactions or quick transactions, we also offer basic drive-thru banking services for deposits, withdrawals, and simple transactions along with accessible ATM options. At State Employees', we strive to make banking not only convenient but also enjoyable for our members. If you're ready to explore these services further or have any questions, don't hesitate to contact us at (828) 697-9952 or visit us at our branch location in Hendersonville. Let us help you achieve your financial goals today!

Mortgage Loans & Refinancing

Homeownership can be one of the most significant investments in your life. Our mortgage loans and refinancing solutions are designed to guide you through buying or refinancing your home smoothly. With personalized assistance from our mortgage experts, you can find the right loan product that meets your needs.

Personal Banking

We understand that every individual has unique banking needs. That's why our personal banking options include checking and savings accounts that fit your everyday financial activities. Whether you're saving for a vacation or managing monthly expenses, we have accounts that offer competitive interest rates and low fees.

Personal Loans & Debt Consolidation

Need extra cash for an unexpected expense or looking to consolidate debt? Our personal loans and debt consolidation services can provide the financial relief you need. Picture simplifying your monthly payments into one manageable loan making budgeting easier and giving you peace of mind.

Digital & Online Banking

Real-Time Account Management

Need to send money to a friend? While we currently do not support person-to-person transfers, our other features ensure that you have everything else covered for effective account management. With real-time updates on your account status and transaction history, you'll always know where you stand financially. Whether you're at home or out running errands, State Employees' makes banking accessible and hassle-free. Embrace the ease of digital banking today!

User-Friendly Features

Security is our top priority. When using our services, you can rest assured that your personal information is protected with electronic signature authorization. This feature allows you to sign documents electronically, making transactions quicker and safer. If you're always on the go, you'll love our mobile application. It gives you the power to manage your accounts right from your smartphone or tablet. Plus, with mobile payments available, you can make purchases quickly and easily without fumbling for cash or cards.

Financial Strength

Commitment to Growth and Innovation

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.

Growing Member Base

Total Share Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $574,556,810 provide additional assurance of our commitment to supporting your needs. 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 1377 Asheville Hwy Hendersonville Nc 28791 or call (828) 697-9952 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, 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

Your 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.

Strong 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 new vehicle or getting a great deal on a used one, our team is here to assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. Whether you're purchasing your first home or refinancing your existing mortgage for better terms, we can help navigate the process smoothly.

Refinancing and Eligibility Options

If you're considering refinancing any of your current loans or need guidance on eligibility requirements for our products, don't hesitate to reach out. Our knowledgeable staff at our Hendersonville branch is available at 828-697-9952 to discuss your options. In addition to these offerings, we have a variety of other services tailored for personal banking needs including checking and savings accounts as well as online and mobile banking solutions. You can find us at 1377 Asheville Hwy Hendersonville NC 28791. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how we can assist you today!

Unsecured Credit Card Loans

For those looking for flexibility in managing day-to-day expenses, we also provide unsecured credit card loans. With a total of $1,177,171,541 in these loans helping members manage their finances effectively, our credit cards come with features designed to fit your lifestyle.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that users receive fair and transparent offers when they explore their borrowing options.

STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans