State Employees' Credit Union Hillsborough NC: Best Auto Loans & Personal Banking

Introduction

Welcome to State Employees', your trusted financial partner located at 1000 Us Highway 70 E, Hillsborough, NC 27278. Established in 1937, we have proudly served our community for over eight decades, fostering a strong bond with our 2,847,943 members. Our commitment is clear: providing exceptional banking solutions tailored to meet your needs. At State Employees', we understand that every financial decision matters. That's why we've built a solid foundation with total assets of $57,229,286,839 and total deposits amounting to $7,866,265,767. With a net worth of $5,446,832,560, you can trust that your money is secure with us. We offer a diverse range of services including personal banking options like checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing, personal loans for debt consolidation, and credit cards with rewards. Leadership plays a vital role in our operations. Under the guidance of CEO Leigh Brady and Board President Mona Moon, our team of 8,258 employees works diligently to ensure that you receive the best service possible. We are proud to provide you with comprehensive online and mobile banking options for your convenience. While members can visit us at our Hillsborough branch for personalized service or utilize our drive-thru for quick transactions, official correspondence should be sent to the same address listed above. Whether you're looking to open a new account or seeking advice on loans our doors are always open! For more information or to speak with one of our friendly representatives, please call us at 919-732-5151. Join us at State Employees' where your financial journey begins!

Branch History & Mission

Our Mission

Our mission at State Employees' is clear: to provide exceptional financial services while fostering community support. We believe in empowering our members through education and resources that help them make informed decisions about their finances. We aim not only to meet their banking needs but also to enhance their overall well-being. In addition to offering essential banking services, we actively participate in community outreach efforts, partnering with local organizations to support various initiatives that benefit Hillsborough residents. By investing back into the community, we strive to create a positive impact that goes beyond traditional banking. While members can visit us at 1000 Us Highway 70 E, official correspondence should be sent to 1000 US HIGHWAY 70 E, HILLSBOROUGH, NC 27278 if needed. We are proud to offer convenient features like ATM access and drive-thru banking for your ease. Our operating hours are from 8:30 a.m. to 5:30 p.m., Monday through Friday, making it simple for you to connect with us when you need assistance. Join us at State Employees' today! Experience firsthand the benefits of membership and let us help you achieve your financial goals while being part of a community-focused credit union dedicated to your success. For more information or assistance, feel free to call us at 919-732-5151 or visit our website at ncsecu.org.

Branch Location & Accessibility

Accessibility Features

At our branch, we prioritize accessibility for all our members. The building is ADA-compliant, with ramps and designated parking spaces available to ensure that everyone can comfortably visit us. Whether you're stopping by for a quick transaction or seeking financial advice, we aim to make your visit as smooth as possible.

Convenient Banking Options

For added convenience, we also have an ATM on-site that allows you to access your funds any time of day. Our dedicated staff is always ready to assist you with any questions or needs you may have during your visit. While members can visit us at 1000 Us Highway 70 E Hillsborough Nc 27278, official correspondence should be sent to 1000 US HIGHWAY 70 E, HILLSBOROUGH, NC 27278. We invite you to stop by or give us a call at (919) 732-5151. Join us at State Employees' for all your banking needs we're excited to serve you!

Operating Hours & Services

We're here for you during our lobby hours from 8:30 a.m. to 5:30 p.m., Monday through Friday. You can count on us for personal banking services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and more! If you prefer not to come inside, our drive-thru service offers an easy way to complete basic transactions like deposits and withdrawals without leaving your vehicle.

Member Eligibility

Joining State Employees' is like stepping into a community where everyone supports each other. If you're interested in becoming a member, the process is straightforward and welcoming. To be eligible, you typically need to meet certain criteria that include being a state employee, a family member of an existing member, or meeting specific residency requirements. This means that whether you're working for the state or are related to someone who is, you can enjoy the benefits of membership. You can find all the details about eligibility at http://www.ncsecu.org/join#eligibility, where you can check for any updates or changes. Once you've confirmed your eligibility, opening an account is just as easy! You can get started right away by visiting our account opening page here: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance during this process, don't hesitate to reach out to us at (919) 732-5151. We're excited to welcome you into our State Employees' family and help you take advantage of all the services we offer!

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

Alongside our loan offerings, we provide merchant services designed to simplify daily operations. Picture this: you're running a bustling café, and your point-of-sale system integrates seamlessly with our banking services. You can accept payments efficiently, manage cash flow effectively, and focus more on delighting your customers rather than worrying about finances. At State Employees', we're here to help you navigate your financial journey. Reach out today at (919) 732-5151 to learn how we can support your business goals!

Comprehensive List Of Services

Business Banking Support

For our business members, we offer robust solutions tailored specifically for your needs. From Merchant Services that simplify payment processing to Business Loans that help fund your growth initiatives, we're here to support your journey every step of the way.

Convenient Digital Banking Features

Embracing technology is part of how we serve you better. Our Online & Mobile Banking platforms allow you to manage your accounts anytime, anywhere perfect for busy schedules. Need cash? Our ATM & Cash Withdrawal Services ensure easy access to funds whenever you need them. For quick transactions, our basic drive-thru service allows for deposits and withdrawals without leaving your car. And if you're in a hurry, our ATM services provide fast access to cash and balance checks at your convenience.

Credit Options

We believe that good financial management should come with rewards. That's why our Credit Cards with Rewards program allows you to earn points on your purchases, which can be redeemed for exciting benefits.

Get In Touch

With operating hours from 8:30 a.m. to 5:30 p.m., we're here to assist you during your day-to-day activities. For any questions or further information about how we can help with your financial needs, feel free to call us at (919) 732-5151. At State Employees', we're more than just a credit union; we're a partner in your financial journey. Explore all our services today by visiting us or checking out our website at Hillsborough - Hwy 70. We look forward to serving you!

Personal Banking Solutions

Our personal banking services are designed with your everyday needs in mind. With options like Checking & Savings Accounts, you can easily manage your finances and save for those special moments. If you're considering buying a car, our Auto Loans & Vehicle Financing solutions make it simple and affordable to get behind the wheel of your dream vehicle. Are you thinking about homeownership? Our Mortgage Loans & Refinancing options help turn that dream into reality while also providing flexibility and competitive rates. For those unexpected expenses or debt consolidation needs, our Personal Loans can provide you with the relief you seek.

Digital & Online Banking

Convenient Online Banking Services

With our online banking, you can check your balance, pay bills, transfer funds, and even set up e-statements for easy access to your financial statements anytime. You'll love the option of receiving your statements electronically, which not only saves paper but also gives you quicker access to important information. Plus, with our electronic signature authorization feature, signing documents is fast and straightforward no more printing or mailing!

Mobile Banking at Your Fingertips

Our mobile application is another fantastic tool available to members. It allows you to manage your accounts from anywhere, making it easy to handle transactions right from your smartphone. If you're out shopping, take advantage of our mobile payments feature for quick and secure purchases without needing cash or cards.

Secure Transactions Made Easy

Safety is a top priority for us. Our online banking services are equipped with advanced security features to protect your personal information. You can rest easy knowing that your data is safe while you enjoy the convenience of person-to-person transfers (though currently not available), bill payments, and other essential transactions. In summary, State Employees' offers a user-friendly digital banking experience that puts you in control of your finances whenever and wherever you need it. Sign up today through https://www.ncsecu.org/ and discover how simple managing your money can be!

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $574,556,810, further highlighting our commitment to serving you well. 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 1000 Us Highway 70 E Hillsborough Nc 27278 or call (919) 732-5151 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Your 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 ability to maintain operational efficiency is reflected by our $2,145,244, 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.

Reinvestment for Better Services

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 capacity to lend is evident with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting your financial goals across various sectors.

Solid 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already facilitated $2,955,872,351 in used vehicle loans and $1,138,258,230 in new vehicle loans to help our members get on the road confidently. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that fit your budget and lifestyle.

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we provide flexible credit lines with a total amount of $18,909,000,000 available to our members. These credit lines can give you access to funds when you need them most. Additionally, we also offer unsecured credit card loans totaling $1,177,171,541. With these options at your disposal, managing unexpected expenses becomes much easier.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. Whether you are a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through the process and find the best solution for your needs.

Refinancing Options

If you're considering refinancing an existing loan be it an auto loan or mortgage our team can help determine your eligibility and find potential savings. We aim to make refinancing as easy as possible so that you can take advantage of lower rates and improve your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Whether you're looking for an auto loan to hit the road or exploring home financing options for your dream house, State Employees' is dedicated to helping you navigate your financial journey with confidence.

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STATE EMPLOYEES' CREDIT UNION - Hillsborough, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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