Nc State Employee Credit Union

In the welcoming community of Huntersville, the State Employees' Credit Union branch at 10411 Arahova Dr is your go-to destination for trusted financial solutions tailored just for you. Whether you're ready to secure some of the best auto loans with flexible vehicle financing or looking to simplify your personal banking with convenient checking and savings accounts, this friendly branch is here to support your financial journey. Open Monday through Friday from 8:30 AM to 5:30 PM, members can also take advantage of an onsite ATM for quick cash withdrawals and balance checks.
Serving nearly 2.85 million members statewide with assets exceeding $57 billion, this Huntersville location shines with competitive mortgage loans and refinancing options designed to make homeownership more attainable. Small businesses can benefit from tailored merchant services and business loans crafted to help them grow confidently. Plus, with easy online and mobile banking platforms, managing your finances anytime, anywhere has never been easier.
Visit the State Employees’ Credit Union branch at 10411 Arahova Dr or call 704-992-2109 today to experience friendly local service. Discover how our signature auto loans and comprehensive personal banking solutions can help you confidently drive toward your financial goals!

Type of Loan Offerings

mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10-Year Fixed Rate
5.3 - 5.5 %
5.518 - 5.719 %
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
5-Year ARM
5.5 - 6.15 %
5.591 - 6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
15-Year Fixed Rate
5.5 - 5.8 %
5.654 - 5.955 %
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
First-Time Homebuyer's (5-Year ARM)
6.15 %
6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed Rate
6.2 - 6.75 %
6.325 - 6.878 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed Rate
6.5 %
6.596 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share-secured
3.1 - 6.75 %
2 - 10 Yrs
Share-secured term note
6.5 %
0.5 Yrs
Closed-end fixed rate
9.25 - 12.75 %
2 - 6 Yrs
Signature term note
11.75 %
0.5 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
5 % - 7.5 %
3 Yrs
Auto
5.25 % - 7.75 %
4 Yrs
Auto
5.5 % - 8 %
5 Yrs
Auto
5.75 % - 8.25 %
6 Yrs
Auto
6.5 % - 9 %
7 Yrs
Auto
7.25 % - 9.75 %
8 Yrs

Introduction

Welcome to State Employees' Credit Union in Huntersville, NC! Located at 10411 Arahova Dr, our branch has been a trusted financial partner for our community since 1937. We are proud to serve over 2.8 million members, offering a wide range of banking solutions designed to meet your needs. At State Employees', we believe in putting our members first. With total assets exceeding $57 billion and deposits reaching $7.87 billion, we have the resources to support you through every stage of life. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, is here to provide personalized service with a commitment to building lasting relationships. Whether you're looking for a new auto loan, mortgage options, or simply a secure place to save, we've got you covered with competitive rates and flexible terms. With over 8250 employees ready to assist you, we ensure that your banking experience is smooth and efficient. For any official correspondence, please feel free to reach us at our mailing address: 10411 ARAHOVA DR, HUNTERSVILLE, NC 28078. Don't hesitate to reach out! Give us a call at 704-992-2109 or visit our website at ncsecu.org for more information on how we can help you achieve your financial goals. We look forward to serving you!

Branch History & Mission

Community Engagement

At State Employees', we value our role in the community. Through various outreach programs and partnerships with local organizations, we strive to give back to those around us. Our team actively participates in initiatives aimed at promoting financial literacy and supporting local charities. While members can visit us at 10411 Arahova Dr Huntersville Nc 28078, official correspondence should be sent to 10411 ARAHOVA DR, HUNTERSVILLE, NC 28078 if it differs from our main address. Our doors are open Monday through Friday from 8:30 AM to 5:30 PM, allowing ample time for you to come by or reach out at 704-992-2109 with any questions. Join us at State Employees' in Huntersville and experience firsthand the benefits of being part of a member-focused credit union dedicated to your success. Together, let's build a brighter financial future!

Our Mission

Our mission at State Employees' is simple yet profound: to enhance the financial well-being of our members and the communities we serve. We believe that everyone deserves access to affordable financial services and support. This mission drives us every day as we strive not only for excellence in banking but also for meaningful community involvement. We understand that banking goes beyond transactions; it's about building trust and offering support during life's significant moments. Whether it's helping you purchase your first home or providing resources for debt consolidation, we are here every step of the way. In addition to traditional banking services, we prioritize digital advancements to ensure convenience for our members. With online and mobile banking options available, managing your finances has never been easier. We also maintain an ADA-compliant environment so that everyone can access our services comfortably.

Branch Location & Accessibility

Finding Us

When you visit us at our Huntersville location, you'll find that parking is ample and easy to access. We are committed to providing a welcoming environment with ADA-compliant features, ensuring everyone can reach us without hassle. If you need to send official correspondence, please note that our mailing address is also 10411 ARAHOVA DR, HUNTERSVILLE, NC 28078.

Let’s Connect!

If you have questions or would like to learn more about what we offer, don't hesitate to give us a call at 704-992-2109. We invite you to stop by our Huntersville branch and discover how we can support your financial goals!

Operating Hours

We understand how busy life can be, so we've made sure our operating hours fit into your schedule. Our lobby is open Monday through Friday from 8:30 AM to 5:30 PM. Feel free to drop by during these hours; our friendly staff is ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgage loans, and more.

Services Available

Our branch provides a range of services designed for your convenience. While we do not offer drive-thru banking at this location, you can rely on our ATM for quick cash withdrawals and balance checks. With online and mobile banking options available, managing your finances has never been easier!

Member Eligibility

Becoming a member of State Employees' is like joining a close-knit community where your financial needs are prioritized. To qualify for membership, you simply need to be a state employee or an immediate family member of one. This means that if you work for the state or have a loved one who does, you're already on your way to enjoying the benefits that come with being part of our credit union family. Here at State Employees', we offer competitive rates on loans and savings accounts, along with personalized service tailored just for you. Getting started is easy! You can find all the specific eligibility criteria by visiting our website at http://www.ncsecu.org/join#eligibility, which will guide you through the details. Once you're ready to open an account, just head over to https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu to complete the process online. If you have any questions, don't hesitate to reach out at (704) 992-2109; our friendly team is here to help! We can't wait to welcome you to State Employees' at 10411 Arahova Dr Huntersville Nc 28078!

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 daily operations for businesses. Imagine having a reliable payment processing system that allows you to accept card payments seamlessly. This not only enhances customer satisfaction but also boosts sales potential. Our systems are user-friendly, ensuring you can focus more on growing your business rather than getting bogged down by complex transactions. Visit us at 10411 Arahova Dr Huntersville Nc 28078 in Huntersville, NC, or call us at (704) 992-2109 to discover how we can help your business succeed today!

Comprehensive List Of Services

Convenient Access Anytime

In today's fast-paced world, convenience is key. At State Employees', we understand that banking should fit into your life seamlessly. That's why we provide comprehensive Online & Mobile Banking features. You can check balances, transfer funds, pay bills, and more all from the comfort of your own home or on-the-go using our user-friendly mobile application. Additionally, our ATM services ensure you have easy access to cash whenever you need it, allowing for quick withdrawals or balance checks without hassle.

Credit Cards and Business Solutions

Enhance your spending power with our Credit Cards with Rewards program. Enjoy cash back on purchases or earn points towards travel and other rewards it's all about getting more from your everyday spending! For entrepreneurs and small business owners, we offer robust Business Banking solutions including Merchant Services & Business Loans. This means you can accept payments effortlessly and access funding when you need it most, helping you grow your business effectively.

Get Started Today!

Ready to explore how we can assist you in achieving your financial goals? Give us a call at (704) 992-2109, or visit us at our branch in Huntersville, NC. Our friendly team is here to guide you through all our services and answer any questions you may have. Join us at Huntersville, where we're dedicated to supporting your journey toward financial wellness!

Personal Banking Services

Managing your personal finances can be simple and efficient with our Personal Banking options. We offer a variety of Checking & Savings Accounts that cater to different lifestyles. Imagine having the flexibility to easily access your money while earning interest on your savings. Our accounts come with features that make budgeting easier, such as online banking and mobile app access. Need financing for a new vehicle? Our Auto Loans & Vehicle Financing services provide competitive rates and flexible terms to help you drive away in your dream car without breaking the bank. For those looking to invest in a home, our Mortgage Loans & Refinancing options allow you to secure the best possible rates, whether you're buying your first home or refinancing an existing mortgage. If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation services can help ease your financial burden. With straightforward terms and fast approvals, you can focus on what matters most.

Digital & Online Banking

Enhanced Features

For those who love the ease of mobile payments, State Employees' offers a Mobile Payments Feature, enabling you to make purchases directly from your phone with just a few taps. This feature makes shopping simple and efficient, whether you're at the store or dining out. While we currently do not offer Person-to-Person Transfers, we continuously evaluate our services to meet member needs better. Our goal is to provide accessible banking options that enhance your financial experience. At State Employees', we're committed to making banking easy and secure for all our members. Explore more about our digital banking services today at https://www.ncsecu.org/!

Key Services

With our 24/7 Online Banking Services available at https://www.ncsecu.org/, managing your accounts has never been easier. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with our Mobile Application, you can access your account right from your smartphone, giving you real-time control over your finances wherever life takes you. Security is a top priority for us. Our Electronic Signature Authorization feature allows you to sign documents securely online, eliminating the hassle of paperwork while ensuring that your information remains protected. Additionally, our E-Statements provide a quick and eco-friendly way to access your account statements without cluttering up your mailbox.

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're proud to share that our financial strength ensures we remain a reliable partner for your banking needs. 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. In addition to our impressive assets, we have $133,577,509 in undivided earnings, which allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Our robust lending capacity is reflected in our $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting your financial goals across various sectors. Our operational efficiency is evident through our $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, 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 10411 Arahova Dr Huntersville Nc 28078 or call (704) 992-2109 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

Additional Services

If you're a business owner, you'll be pleased to know that we provide exceptional commercial loan options as well. Though we currently have no outstanding commercial loans, our commitment remains strong towards supporting small businesses with the capital they need for growth and expansion. At State Employees', we're dedicated to helping you navigate these financial decisions with confidence. Our knowledgeable staff is ready to assist you with any questions about eligibility or refinancing options. For more information about our loan offerings or to speak with one of our representatives, please call us at (704) 992-2109 or visit us at 10411 Arahova Dr Huntersville Nc 28078 in Huntersville, 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. We're here to support your journey toward financial success!

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 eyeing a brand-new model or a reliable used option, we have financing solutions tailored just for you.

Credit Lines and Unsecured Loans

For those looking for more flexibility in their finances, we also offer credit lines totaling $18,909,000,000. This product allows you to borrow as needed while only paying interest on what you use. Additionally, our unsecured credit card loans amounting to $1,177,171,541 give members the ability to manage expenses without tying up collateral.

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 competitive rates and flexible terms to fit your unique situation. If you're considering refinancing your existing mortgage, our team can guide you through eligibility options that may help lower your monthly payments.

Loan Aggregator

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