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Mortgage Loans
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Introduction
Welcome to State Employees' Credit Union, located at 1130 Fairgrove Church Rd, Hickory, NC 28602. Established in 1937, we have proudly served our community for over 85 years, providing reliable financial services that empower our members. With a total membership of 2,847,943 and assets exceeding $57 billion, we are committed to making a positive impact on the lives of those we serve. At State Employees', we believe in building lasting relationships with our members. Our dedicated team of 8,258 employees is here to offer personalized support and guidance as you navigate your financial journey. Under the leadership of our CEO, Leigh Brady, and Board President, Mona Moon, we strive to maintain a strong foundation built on trust and transparency. Whether you're looking for checking and savings accounts, auto loans, mortgages, or business banking services, we've got you covered. Our total deposits stand at an impressive $7.87 billion, reflecting the confidence our members place in us. Additionally, with a net worth of $5.45 billion and cash in hand amounting to $708 million, you can be assured that your finances are in safe hands. While members can visit us at our branch location for assistance and transactions, official correspondence should be directed to the same address: 1130 FAIRGROVE CHURCH RD, HICKORY, NC 28602. We invite you to experience the difference that comes from being part of a credit union that genuinely cares about its members. For any inquiries or to learn more about our services, feel free to give us a call at 828-327-4126 or visit our website at ncsecu.org. Join us today and let's work together toward your financial goals!
Branch History & Mission
Join Us
As we continue to grow and evolve with technology offering features like electronic signatures and mobile payments we invite you to join us on this exciting journey. Become a part of State Employees' Credit Union today and experience firsthand the benefits of being part of a member-focused organization dedicated to your financial well-being. For more information or assistance, don't hesitate to reach out at 828-327-4126 during our operating hours from 8:30 AM to 5:30 PM, Monday through Friday. Let's build a brighter future together!
Our Evolution
Since opening our doors, we've embraced change while staying true to our mission. The landscape of banking has transformed significantly, and so have we. With total assets exceeding $57 billion, State Employees' Credit Union has become a cornerstone of financial stability for many in Hickory and beyond. We have expanded our services to include everything from personal banking and auto loans to mortgage financing and credit cards with rewards. Today's members can enjoy convenient online and mobile banking options as well as traditional ATM access. Our branch was established to serve state employees, but we quickly grew into a vital resource for the entire community. Over the years, we've engaged in numerous outreach programs that reflect our dedication to local initiatives whether it's sponsoring educational workshops or supporting local charities.
Our Mission
At the heart of State Employees' Credit Union is our mission: to provide exceptional financial services while nurturing a spirit of community involvement. We strive to make banking accessible for everyone by ensuring our services are straightforward and customer-focused. We aim not just to be your bank but a partner in your financial journey. With drive-thru service available for quick transactions and an ATM on-site for added convenience, we prioritize making your experience as efficient as possible. While you can always visit us at our branch address, official correspondence should be sent to 1130 FAIRGROVE CHURCH RD, HICKORY, NC 28602.
Branch Location & Accessibility
Welcome to State Employees' branch located at 1130 Fairgrove Church Rd, Hickory, NC 28602! Our branch is designed with your convenience in mind, making it easy for you to access all the financial services you need. Whether you're stopping by for a quick transaction or seeking guidance on loans and accounts, we're here to help. Nestled in the heart of Hickory, our location is easily reachable and surrounded by familiar landmarks. You'll find us near the bustling Fairgrove Plaza, making it a convenient stop while you're out and about. With ample parking available right outside our doors, visiting us is hassle-free. Our branch also features ADA-compliant accessibility options to ensure everyone can enjoy our services comfortably. We understand that your time is valuable. That's why we offer flexible operating hours from 8:30 AM to 5:30 PM, Monday through Friday. Need cash after hours? No problem! We have an ATM available for your convenience, allowing you to access funds anytime. Plus, if you prefer face-to-face banking, our drive-thru service is ready to assist with deposits, withdrawals, and simple transactions without leaving your vehicle. While members can visit us at 1130 Fairgrove Church Rd, official correspondence should be sent to the same address for consistency. If you have any questions or need assistance before your visit, feel free to give us a call at 828-327-4126. We invite you to come see us soon and explore how we can support your financial journey!
Member Eligibility
At State Employees', we believe that everyone deserves a place in our supportive community. Joining us is simple and welcoming! If you live, work, worship, or attend school in Catawba County, or if you have a family member who is already a member, you're eligible to become part of our family. This means you can enjoy all the benefits of membership, like competitive loan rates and personalized service. For more detailed information on eligibility criteria, check out our website at http://www.ncsecu.org/join#eligibility. Opening an account is just as easy! You can start your journey with us online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, feel free to give us a call at (828) 327-4126. We're excited to help you take this important step towards better financial health right here at 1130 Fairgrove Church Rd Hickory Nc 28602!
Business Banking & Commercial Services
Streamlined Merchant Services
Imagine having the tools to manage your payments seamlessly. Our merchant services simplify transactions, allowing you to focus on what really matters growing your business. From point-of-sale systems to online payment options, we provide practical solutions that cater to your operational needs. Visit us at 1130 Fairgrove Church Rd Hickory Nc 28602 in Hickory, NC, or call us at (828) 327-4126 to learn how we can help take your business to the next level!
Supporting Your Business 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.
Comprehensive List Of Services
Business Solutions Tailored for You
If you're a business owner, we have you covered too! Our business banking services, including merchant services and business loans, are crafted to support your growth and success. We understand how vital it is for businesses to have reliable financial backing and guidance.
Convenient Banking Options
For those who prefer face-to-face interactions, we provide basic drive-thru banking services where you can make deposits or withdrawals quickly. Our ATMs also facilitate easy access for balance checks and cash withdrawals without stepping inside the branch. We invite you to visit us at our Hickory location or give us a call at 828-327-4126 if you have any questions about how we can assist you further. At State Employees', we're committed to making banking accessible and straightforward for everyone in our community. Ready to experience all that we have to offer? Don't hesitate reach out today or explore more about opening an account with us through our website here. Let's work together towards achieving your financial goals!
Digital Banking at Your Fingertips
In today's fast-paced world, managing your finances digitally is essential. At State Employees', we offer comprehensive online and mobile banking features that let you check balances, transfer funds, and pay bills right from your phone or computer. Need cash on the go? With our ATM services available at various locations, accessing your money has never been easier.
Personal Banking Made Easy
When it comes to personal banking, we understand that convenience is key. Our checking and savings accounts are designed for everyday use, helping you manage your finances with ease. If you're in the market for a vehicle, our auto loans and vehicle financing options provide flexible terms to get you on the road without breaking the bank. Plus, if you're considering buying a home or refinancing your existing mortgage, our mortgage loans can guide you through every step of the process. For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation services offer quick solutions tailored to your situation. Additionally, our credit cards with rewards allow you to earn benefits while making everyday purchases.
Digital & Online Banking
Enhanced Payment Options
For those who prefer modern payment methods, our mobile payments feature allows you to make quick and secure transactions using just your phone. And while person-to-person transfers aren't available at this time, our other services ensure you have plenty of ways to handle your money efficiently. At State Employees', we're committed to providing accessible and straightforward banking solutions tailored for you. With our digital offerings, real-time account management is just a click away making everyday banking as simple as it should be!
Key Features for Your Convenience
With features like electronic signature authorization, you can complete transactions securely without needing to visit a branch. Plus, we offer e-statements so you can keep track of your financial activity in an organized way while being eco-friendly. Our mobile application brings even more convenience right to your fingertips. You can manage your accounts directly from your smartphone, making it easy to stay on top of your finances wherever life takes you.
Online Banking Experience
Our online banking services are available 24/7, allowing you to access your accounts whenever you need to. Whether you're checking your balance, paying bills, or transferring funds, you can do it all from the comfort of your home or on the go. To get started, simply visit https://www.ncsecu.org/.
Financial Strength
A Trusted Partner
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 1130 Fairgrove Church Rd Hickory Nc 28602 or call (828) 327-4126 to learn more about how we can help you achieve your financial goals.
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 our members' financial goals across various sectors.
Dedicated Team
We take pride in having 7,729 full-time employees and 529 part-time employees who are always ready to assist you with their knowledge and commitment. This dedicated team works tirelessly to ensure that every interaction you have with us is positive and productive.
Secure Savings Opportunities
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.
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 purchasing a new model or a reliable used vehicle, we've got financing solutions that make it easy and affordable.
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 provide personalized service to help you navigate the process smoothly. Plus, if you're considering refinancing your existing mortgage, we can assist you with competitive rates and terms.
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. These credit cards come with benefits that can help you earn rewards while making everyday purchases easier. At State Employees', our goal is to empower you with the right financial tools. If you have questions about eligibility or refinancing options for any of our loan products, don't hesitate to reach out. You can call us at (828) 327-4126 for more information or visit us at our branch located at 1130 Fairgrove Church Rd Hickory Nc 28602 in Hickory, NC. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take control of your financial future today!
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