Type of Loan Offerings
Mortgage Loans
Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
Personal Loans
Vehicle Loans
Introduction
Welcome to State Employees' Credit Union, your trusted financial partner located at 3100 S Nc 127 Hwy, Hickory, NC 28602. Established in 1937, we have been committed to serving our community with integrity and dedication. With a strong membership base of over 2.8 million members, we pride ourselves on fostering relationships built on trust and support. At State Employees', we understand that every financial journey is unique. That's why we offer a wide range of services designed to meet your specific needs, from personal banking solutions like checking and savings accounts to auto loans, mortgages, and even business banking services. With total assets exceeding $57 billion and deposits totaling $7.87 billion, you can rest assured that your finances are in good hands. Our team of dedicated professionals, led by CEO Leigh Brady and Board President Mona Moon, is here to guide you through your financial decisions. Whether you're looking to finance a new car or save for your future, we're equipped to help you succeed. While you can visit us at our Hickory branch for all your banking needs, please note that any official correspondence should be sent to the same address: 3100 S NC 127 HWY, HICKORY, NC 28602. With our drive-thru services and ATM availability, accessing your funds has never been easier. If you have any questions or need assistance, don't hesitate to give us a call at 828-294-0077. Join us today and discover how State Employees' Credit Union can help make your financial dreams a reality! For more information about our services, visit our website at ncsecu.org.
Branch History & Mission
Community Engagement
We actively engage with our community through various partnerships and programs designed to give back. Whether it's sponsoring local events or offering financial education workshops, we believe that investing in our community leads to stronger ties and brighter futures for all. As we look ahead, we remain dedicated to advancing digital initiatives that enhance your banking experience while ensuring compliance with ADA standards. We offer mobile banking apps and online services designed for convenience and efficiency. Join us at State Employees' today! Experience firsthand how we put our mission into action and how we can help you achieve your financial goals. For more information or assistance, feel free to call us at 828-294-0077 or visit us online at ncsecu.org. Together, let's build a better future!
Our Journey
Over the years, State Employees' has evolved significantly. What started as a small credit union dedicated to serving state employees has blossomed into a comprehensive financial institution with total assets exceeding $57 billion. Our commitment to member service is reflected in our diverse offerings, including personal banking services like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our growth is not just in numbers; it's in the relationships we've built within the community. We believe that every member deserves a chance to thrive financially. Our mission is clear: to provide exceptional financial services while uplifting our local communities through outreach and support initiatives.
Our Mission
At State Employees', we strive to empower our members by providing them with the tools they need for financial success. Our mission focuses on three key pillars: accessibility, education, and community involvement. We aim to make financial services available to everyone, ensuring that all members can access our resources easily whether through our drive-thru services or online banking options. While members can visit us at 3100 S NC 127 Hwy for their banking needs, official correspondence should be sent to 3100 S NC 127 HWY, HICKORY, NC 28602 if different.
Branch Location & Accessibility
Call to Action
We invite you to stop by our branch today or give us a call! The team at State Employees' is excited to help you navigate your financial journey with ease and confidence. Whether you're opening an account or exploring loan options, we're here for you every step of the way!
Nearby Landmarks and Accessibility
Our location is just a short drive from popular spots like the Hickory Ridge Shopping Center and the beautiful Lake Hickory. Whether you're running errands or enjoying a day out, popping into our branch is hassle-free. We have ample parking available right outside, ensuring easy access for everyone. Plus, our facility is designed with accessibility in mind, featuring ramps and ADA-compliant features to accommodate all members of our community.
Operating Hours and Services
We are open Monday through Friday from 8:30 AM to 5:30 PM, ready to assist you with a range of banking services. From checking and savings accounts to auto loans and credit cards with rewards, we're equipped to meet your financial needs. And if you're on the go, take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your car. For added convenience, we also offer ATM access for cash withdrawals and balance checks. While members can visit us at 3100 S NC 127 Hwy, official correspondence should be sent to the same address as our mailing address. If you have any questions or need assistance, feel free to call us at 828-294-0077.
Member Eligibility
Becoming a member of State Employees' means joining a welcoming community that values you and your financial well-being. If you're looking to become part of our family, you'll be pleased to know that eligibility is open to a variety of individuals. Generally, if you are a state employee, a family member of an existing member, or live in the area surrounding our branch at 3100 S Nc 127 Hwy Hickory Nc 28602, you can easily qualify for membership. This opens the door to not only great banking services but also personalized support tailored to your needs. For detailed eligibility criteria, feel free to check out our website at http://www.ncsecu.org/join#eligibility. Once you're ready to join us, opening an account is a breeze! You can start the process by visiting this link: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance along the way, don't hesitate to give us a call at (828) 294-0077. We're here to help you every step of the way as you take this exciting step towards better banking with State Employees'!
Business Banking & Commercial Services
Business Loan Options
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
In addition to loans, our merchant services simplify transactions for local businesses. Whether it's accepting credit cards or managing payroll, we provide tools that make daily operations smoother. Picture a bustling café in the heart of Hickory, serving customers quickly because they can process payments easily and efficiently. Explore how State Employees' can empower your business today! For more information or to get started, contact us at (828) 294-0077 or visit us at 3100 S Nc 127 Hwy Hickory Nc 28602.
Comprehensive List Of Services
Business Banking
Small business owners will find valuable support through our business banking services. From merchant services that simplify payment processing to business loans that fuel growth, we're here to help you succeed.
Contact Us
Have questions? Want to learn more about how we can assist you? Don't hesitate to reach out! Call us at (828) 294-0077 during our operating hours from 8:30 AM to 5:30 PM, Monday through Friday. We're here to guide you through all your financial needs. Explore all that State Employees' has to offer by visiting us today! With a commitment to providing exceptional service and a comprehensive suite of financial products, we're excited to be part of your financial journey.
Convenient Access
At State Employees', we prioritize convenience. Our ATM services allow you to withdraw cash and check balances anytime. For those who prefer face-to-face interactions, our drive-thru banking offers basic services like deposits and withdrawals without leaving your car. In addition to these essential services, we also pride ourselves on our digital offerings. With online banking and mobile payments available, managing your finances has never been easier or more secure.
Credit Solutions
For those looking to consolidate debt or cover unexpected expenses, our personal loans provide quick solutions with flexible repayment options. Plus, don't forget about our credit cards with rewards, which let you earn points on your purchases perfect for those who love to travel or enjoy dining out.
Personal Banking
When it comes to personal banking, we offer checking and savings accounts tailored for everyday use. Whether you're saving for a vacation or managing daily expenses, our accounts provide the flexibility you need. You can easily access your funds through online and mobile banking, making it simple to check your balance or transfer money on the go. If you're in the market for a new vehicle, our auto loans and vehicle financing options can help get you behind the wheel without breaking the bank. We offer competitive rates and terms that fit your budget. And if homeownership is on your mind, our mortgage loans and refinancing options are designed to make the process straightforward, so you can focus on finding your dream home.
Digital & Online Banking
Key Services at Your Fingertips
Our online banking platform, accessible at https://www.ncsecu.org/, offers you a user-friendly experience. You can easily check your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with 24/7 online banking services, you can access your accounts whenever it suits you. For those who prefer using their mobile devices, we have a dedicated mobile application that puts banking right in your pocket. You can also enjoy the convenience of mobile payments, making transactions quicker and easier than ever before.
Security and Ease of Use
Your security is important to us. Our electronic signature authorization feature allows you to sign documents digitally, ensuring both safety and efficiency in managing your accounts. Additionally, e-statements are available to help you keep track of your finances without cluttering your mailbox. While we currently do not support person-to-person transfers, our other features provide ample ways to handle your banking needs effectively. Whether you're at home or out and about, managing your money has never been easier or more secure. With all these features combined, State Employees' offers a robust digital banking experience that emphasizes accessibility and real-time account management. Join us today and see how easy banking can be!
Financial Strength
At State Employees', financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation that you can trust. 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. 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 financial strength is further underscored by having $133,577,509 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, our lending capacity supports members' financial goals across various sectors. While our current net income stands at $0, it reflects our operational efficiency. This enables 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. Net Shares (Funds available for lending and investments): $574,556,810. Total Share and Deposit Accounts: 5,850,875, showing 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 3100 S Nc 127 Hwy Hickory Nc 28602 or call (828) 294-0077 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.
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 or used vehicle, our flexible terms make it easy to find an option that fits your budget.
Credit Lines and Other Financing
In addition to auto and mortgage loans, we provide access to total credit lines amounting to $18,909,000,000. This can be an excellent solution for those who require ongoing access to funds for various expenses or emergencies. If you are considering refinancing any existing loans or exploring eligibility options for our loan products, our team is ready to guide you through the process and find solutions that work best for your situation. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whatever your borrowing needs may be be it auto financing or mortgage assistance State Employees' is committed to providing you with transparent information and supportive service every step of the way. Let us help you navigate your options today!
Mortgage Loans
Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide various mortgage products including Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. These options can help you secure a place to call home without unnecessary stress.
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. This product allows you to access funds when you need them most while enjoying competitive interest rates.
Loan Aggregator
Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help users navigate the complex world of loans with ease and confidence. LendMesh ensures accurate loan comparisons by sourcing loan data 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 means that every offer you see is fair and transparent, allowing you to make informed decisions without hidden fees or misleading information. One of the standout features of LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh does not prioritize lenders based on paid promotions this approach guarantees that users receive unbiased results. With real-time rate comparisons available from multiple institutions, you can easily find the best options tailored to your needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the positive impact that LendMesh can have on individuals seeking better financing options. If you're ready to take control of your financial future, 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.