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Mortgage Loans
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Personal Loans
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Introduction
Welcome to State Employees' Credit Union in Kannapolis, where we are dedicated to serving our community and providing reliable financial services tailored just for you. Established in 1937, we have grown to become a trusted partner for over 2.8 million members, proudly managing total assets of $57,229,286,839. Our branch is conveniently located at 2312 Coldwater Ridge Dr, Kannapolis, NC 28083, ensuring easy access for all your banking needs. At State Employees', we understand that every member's journey is unique. That's why we offer a variety of products and services including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. With a strong commitment to our members and community, we currently hold total deposits of $7,866,265,767 and a net worth of $5,446,832,560. Our team is led by the experienced CEO Leigh Brady and Board President Mona Moon, who both share a passion for enhancing the financial well-being of our members. We employ over 8,258 dedicated staff members across our branches to ensure you receive the best service possible. While you can visit us at our Kannapolis location for all your banking needs, please note that official correspondence should be directed to the same address: 2312 COLDWATER RIDGE DR, KANNAPOLIS, NC 28083. Whether you're looking to open an account or need assistance with your finances, we're here to help! Don't hesitate to reach out at 704-720-9046 or explore more about us on our website here. Join us in experiencing a credit union that truly cares about your financial future!
Branch History & Mission
Our Evolution
Over the years, State Employees' has continually evolved to meet the changing needs of our members. From humble beginnings to becoming a major player in the financial landscape, our journey reflects our commitment to excellent service and community involvement. We opened our doors with a vision to offer personalized financial services that empower individuals and families alike. Today, we proudly provide a range of services including personal banking, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. We understand that convenience is key in today's world. That's why we offer drive-thru banking and ATM services at our Kannapolis branch ensuring you can manage your finances easily and efficiently. Our operating hours from 8:30 AM to 5:30 PM during weekdays make it easy for you to visit us when it suits your schedule.
Our Mission
Our mission is simple yet profound: to enhance the financial well-being of our members while fostering a sense of community and belonging. We believe in not just being a financial institution but also a supportive partner in your life journey. We are committed to providing accessible financial products that meet your needs while maintaining transparency and integrity in all we do. In addition to our focus on financial services, we actively engage in outreach efforts within Kannapolis and surrounding areas. We partner with local organizations to support various initiatives that improve the quality of life for our residents. Whether it's participating in community events or offering educational workshops on financial literacy, we strive to give back as much as we receive. As you consider joining us at State Employees', know that you are not just choosing a credit union; you are becoming part of a family that values each member's dreams and aspirations. While members can visit us at 2312 Coldwater Ridge Dr., official correspondence should be sent to the same address. If you're ready to experience the benefits of being part of State Employees', reach out today! You can call us at 704-720-9046 or visit our website for more information on how you can join this thriving community. Let's build a brighter future together!
Branch Location & Accessibility
Connect With Us
If you have any questions or need assistance, don't hesitate to reach out! Give us a call at (704) 720-9046, and our friendly team will be ready to help. We look forward to welcoming you into our branch soon!
Getting Here
You can find us nestled near local landmarks that are familiar to residents, making it simple to stop by and see us. If you're driving, rest assured there's ample parking available, ensuring a hassle-free visit. Plus, our location complies with ADA standards, providing easy access for everyone.
Operating Hours
We know that life can get busy, so we've made it easy for you to visit us during our operating hours from 8:30 AM to 5:30 PM, Monday through Friday. Whether you're stopping by before work or during lunch, we're here to assist you with all your banking needs. While members can visit us at 2312 Coldwater Ridge Dr Kannapolis Nc 28083, official correspondence should be sent to 2312 COLDWATER RIDGE DR, KANNAPOLIS, NC 28083.
Services and Accessibility Features
At State Employees', we pride ourselves on offering a range of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgage options, we have solutions for every financial journey. Need quick access? Our ATM is available for your convenience, and if you prefer face-to-face interaction, our drive-thru service allows you to complete deposits and withdrawals without leaving your vehicle.
Member Eligibility
Becoming a member of State Employees' feels like joining a welcoming family where your financial well-being is the priority. To be eligible for membership, you simply need to be a resident or work in the state of North Carolina, or be related to someone who is already a member. It's that straightforward! With our commitment to serving our members, you'll enjoy personalized financial services designed just for you. From competitive rates on loans and savings accounts to access to various banking tools, there are so many advantages waiting for you at State Employees'. If you're curious about more specific eligibility criteria, feel free to check out the details at http://www.ncsecu.org/join#eligibility. When you're ready to take the next step toward membership, opening an account is a breeze! You can start the process by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or calling us at (704) 720-9046. We can't wait to welcome you into our community!
Business Banking & Commercial Services
Merchant Services
In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly from customers whether they're shopping online or visiting your storefront. Our services help you manage transactions efficiently, giving you more time to focus on what matters most: growing your business. If you're ready to take your business to the next level, visit us at 2312 Coldwater Ridge Dr Kannapolis Nc 28083 in Kannapolis, or call us at (704) 720-9046. Let's work together to achieve your goals!
Tailored 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.
Comprehensive List Of Services
Auto Loans & Vehicle Financing
Thinking about getting a new car? We provide auto loans and vehicle financing options tailored to fit your budget. Our friendly staff can help you navigate the process, ensuring you get the best possible rates. Picture yourself driving off the lot with confidence, knowing you made a smart financial choice with our support.
Business Banking Services
For entrepreneurs and business owners, we offer specialized business banking solutions including merchant services and business loans. With our support, you can focus on growing your business while we handle the banking side of things.
Convenient Access Anytime
Accessibility is key in today's world. That's why we provide comprehensive online and mobile banking services so you can manage your accounts anytime, anywhere. Plus, our ATM services ensure you have quick access to cash when needed.
Credit Cards with Rewards
Why not earn rewards while spending? Our credit cards come with attractive rewards programs that allow you to earn points on every purchase. It's like getting something back every time you swipe whether for groceries, gas, or dining out.
Drive-Thru & ATM Services
If you're on the go, take advantage of our basic drive-thru banking for deposits, withdrawals, and simple transactions without leaving your vehicle. We also have ATMs available for easy cash withdrawals and balance checks. At State Employees', we're committed to making banking easy and accessible for everyone in our community. If you're ready to explore these services further or have any questions, don't hesitate to reach out at (704) 720-9046. Together, let's take the next step in your financial journey!
Mortgage Loans & Refinancing
Homeownership is within reach with our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage, we make it straightforward. Imagine lowering your monthly payments or accessing cash from your home's equity all while working with people who care about your financial well-being.
Personal Banking Solutions
Whether you're looking to open a checking or savings account, our personal banking options are designed with you in mind. Imagine having a safe place to save for that dream vacation or a reliable checking account for your everyday expenses. At State Employees', we offer competitive interest rates and easy access to your funds through our online and mobile banking platforms.
Personal Loans & Debt Consolidation
Life can throw unexpected expenses your way, but at State Employees', we're here to help. Our personal loans can assist you in covering emergencies or consolidating debt into one manageable payment. This way, you can focus on what truly matters without the stress of juggling multiple payments.
Digital & Online Banking
Mobile Convenience
For those who prefer managing finances on their smartphones, our mobile application makes banking even simpler. Enjoy features like mobile payments, so you can pay for purchases with ease right from your phone. And while person-to-person transfers aren't available yet, we're constantly looking for ways to enhance our services. With all these tools at hand, you can stay on top of your finances without the hassle. Whether you're checking balances, setting up alerts, or making payments, State Employees' offers a reliable and user-friendly experience tailored to fit your busy lifestyle. Experience the freedom of managing your finances with confidence today!
Safe and Secure Transactions
We prioritize your security. Our electronic signature authorization feature ensures that all your transactions are verified and protected. You can also opt for e-statements, allowing you to receive important documents securely in your email instead of waiting for them in the mail. This not only keeps your information safe but also helps reduce paper clutter!
User-Friendly Online Banking
Our online banking platform, available at https://www.ncsecu.org/, is designed with you in mind. You can easily check your balances, transfer funds, and pay bills from the comfort of your home or on the go. Plus, our 24/7 online banking services mean that your financial information is always at your fingertips.
Financial Strength
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 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 Membership Base
The trust placed in us by our community is evident as we proudly serve a growing membership base with a total of 5,850,875 share accounts. This reflects the confidence our members have in State Employees', knowing they are part of a stable institution dedicated to their financial well-being. 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 2312 Coldwater Ridge Dr Kannapolis Nc 28083 or call (704) 720-9046 to learn more about how we can help you achieve your financial goals.
Member-Centric Savings Options
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.
Operational Efficiency
Our commitment to operational efficiency is reflected in our performance; our $0 allows 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 ready to assist you with knowledgeable service.
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 $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
Additional Services
For those interested in business lending, although we currently have no outstanding commercial loans, our services include personal banking options like checking and savings accounts, as well as debt consolidation loans. If you're considering refinancing or exploring eligibility options for any of our loan products, feel free to reach out to us at (704) 720-9046. Our team is ready to assist you in finding the best solution tailored just for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at our branch located at 2312 Coldwater Ridge Dr Kannapolis Nc 28083, Kannapolis, NC, and let's discuss how we can help you achieve your financial dreams!
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. We provide financing options that make purchasing a vehicle simpler and more affordable.
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. Our credit cards come with rewards and benefits that can enhance your everyday spending while keeping you financially secure.
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 offer various mortgage products designed to fit different budgets and lifestyles, ensuring you have access to the home you've always wanted.
Loan Aggregator
Benefits of Using LendMesh
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Ensuring Accurate Loan 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 to transparency ensures that users receive fair and reliable offers. By partnering with credible lenders, LendMesh provides a trustworthy platform for comparing loan options.