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 2104 Shelby Rd, Kings Mountain, NC 28086. Since our establishment in 1937, we have proudly served over 2.8 million members, helping them achieve their financial goals while fostering a sense of community and support. With total assets exceeding $57 billion and deposits reaching $7.87 billion, we are committed to providing secure and reliable banking services tailored to meet your needs. At State Employees', we understand that every member is unique. That's why we offer a diverse range of services, including personal banking, auto loans, mortgages, and credit cards with rewards. Our knowledgeable team, led by CEO Leigh Brady and Board President Mona Moon, is dedicated to ensuring that you receive the highest level of service whether you're visiting us in person or utilizing our online banking options. While you can visit us at our branch for all your banking needs, official correspondence should be directed to our mailing address at 2104 SHELBY RD, KINGS MOUNTAIN, NC 28086. We invite you to explore how we can help you reach your financial aspirations. Feel free to call us at 704-739-1667 or visit our website at ncsecu.org for more information about our services and offerings. Join us today as we continue to build a stronger community together!
Branch History & Mission
Community-Centric Approach
We understand that in today's world, convenience matters. That's why we offer modern digital banking options such as online banking and mobile payments, alongside traditional services like ATM access and drive-thru banking for your everyday transactions. Our branch also meets ADA compliance standards, ensuring accessibility for all members of our community. With total assets reaching an impressive $57,229,286,839, we are well-equipped to support your financial journey while prioritizing member service above all else. As part of this commitment, we encourage you to connect with us by calling 704-739-1667 during our lobby hours from 8:30 AM to 5:30 PM on weekdays.
Join Us Today!
If you're looking for a financial partner who genuinely cares about your success and well-being, look no further than State Employees'. Join us today and discover how we can help you achieve your financial goals while making a difference in the community together. Visit us online at ncsecu.org for more information or click here to open an account. Together, let's build a brighter future!
Our Mission
At State Employees', our mission is straightforward: to empower our members through accessible financial services while making a positive impact on the community. We strive to provide a range of offerings including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards that cater to your needs. But our commitment goes beyond just numbers. We believe in building strong relationships with our members and supporting local initiatives that uplift those around us. From sponsoring community events to partnering with local organizations, we aim to make Kings Mountain an even better place for everyone.
Branch Location & Accessibility
Contact Us
While members can visit us at 2104 Shelby Rd for all their banking needs, official correspondence should be sent to our mailing address: 2104 SHELBY RD, KINGS MOUNTAIN, NC 28086. If you have any questions or need assistance, don't hesitate to reach out by calling us at 704-739-1667. We look forward to welcoming you to our branch soon!
Getting Here and Accessibility
When you arrive at our Kings Mountain branch, you'll find ample parking available, making it easy to stop by for all your banking needs. For those who may require assistance, our facility is ADA compliant with ramps and accessible entrances ensuring everyone can visit us comfortably.
Operating Hours and Services
We invite you to visit us during our lobby hours from 8:30 AM to 5:30 PM, Monday through Friday. Our friendly team is here to help with a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have the tools you need to manage your finances effectively. Need a quick transaction? Our drive-thru service offers a straightforward way to make deposits or withdrawals without leaving your vehicle. Additionally, enjoy the convenience of ATM access right on-site, available for quick cash withdrawals and balance checks anytime.
Member Eligibility
At State Employees', we believe that everyone deserves a chance to thrive in their financial journey. If you're looking to join a community where your needs are prioritized, you're in the right place! Membership is open to those who live, work, or worship in our service areas, which means there's a good chance you're already eligible. To find out more about specific criteria and ensure you meet all the requirements, check out the details at http://www.ncsecu.org/join#eligibility. Becoming a member not only gives you access to competitive rates and personalized service but also connects you with a network of supportive individuals focused on helping each other succeed. Getting started is simple! You can open an account with us by visiting our online platform at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or feel free to give us a call at (704) 739-1667 for any questions you might have. We're located at 2104 Shelby Rd Kings Mountain Nc 28086, ready to welcome you into our family and help you take the first step towards achieving your financial goals. Join us today!
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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to diverse needs. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.
Merchant Services
In today's fast-paced world, managing transactions efficiently is vital. Our merchant services simplify payment processing so you can focus on what you do best running your business. Imagine a busy restaurant where customers can pay with just a tap or a retail store where checkout lines move swiftly, all thanks to reliable merchant solutions. Visit us at 2104 Shelby Rd Kings Mountain Nc 28086 in Kings Mountain, NC or give us a call at (704) 739-1667 to learn more about how we can partner with you on your journey to success!
Comprehensive List Of Services
Banking at Your Fingertips
In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking platforms allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills right from your smartphone or computer. Need cash? Our ATMs provide easy access for withdrawals and balance checks without any hassle.
Business Solutions That Work for You
At State Employees', we support local businesses through comprehensive Business Banking services. Our offerings include merchant services that simplify payment processing and business loans designed to fuel your growth. We believe in empowering entrepreneurs and helping them succeed.
Connect With Us
If you have questions or would like more information about any of our services, please don't hesitate to reach out! You can call us at (704) 739-1667 during our operating hours from 8:30 AM to 5:30 PM. Join us at Kings Mountain, where we prioritize your financial well-being with a commitment to service excellence and community support. Discover how our diverse range of offerings can help you achieve your financial goals today!
Drive-Thru Convenience
For those who prefer face-to-face interactions without leaving their vehicle, we offer basic drive-thru banking services. This includes deposits, withdrawals, and simple transactions all designed to make banking as convenient as possible.
Personal Banking Made Simple
We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services that include checking and savings accounts designed for everyday use. If you're considering purchasing a new car or need financing for your vehicle, our Auto Loans & Vehicle Financing options are flexible and straightforward. We also provide Mortgage Loans & Refinancing for those ready to buy their dream home or want to lower their current mortgage payments. For those times when life throws unexpected expenses your way, our Personal Loans & Debt Consolidation services can help lighten the load. Plus, don't miss out on our Credit Cards with Rewards, which allow you to earn points on everyday purchases.
Digital & Online Banking
Key Features
Our online banking services provide 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds at your convenience. With features like e-statements, you can go green by opting for paperless statements delivered straight to your inbox it's simple and eco-friendly! Plus, our electronic signature authorization means you can sign important documents without the hassle of printing or mailing. If you're always on the go, our mobile application is perfect for you. It allows you to manage your accounts directly from your smartphone. You can even make mobile payments easily, bringing an added layer of convenience to your daily transactions. Although person-to-person transfers aren't available right now, our other features ensure that sending money is still hassle-free.
Security and Accessibility
We prioritize your security with robust measures in place to protect your personal information while using our digital services. Enjoy peace of mind knowing that your financial data is safe with us. Our user-friendly platform makes it easy for anyone to navigate their accounts without needing technical expertise. In summary, State Employees''s digital and online banking services empower you to take control of your finances whenever you need it. Whether you're checking balances from home or making payments on the go, we're here to support you every step of the way. Explore all that we have to offer by visiting https://www.ncsecu.org/ today!
Financial Strength
Growing Membership Base
Total Share and Deposit Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. This growth is not just about numbers; it reflects the trust you place in us as your financial 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 2104 Shelby Rd Kings Mountain Nc 28086 or call (704) 739-1667 to learn more about how we can help you achieve your financial goals.
Member Savings and Investment 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.
Operational Efficiency
Our $0 reflects our operational efficiency, 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.
Reinvesting in Your Financial Future
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.
Strong Net Worth and Capital 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
If you're interested in refinancing your current loans or would like more information about eligibility options for our various loan products, we are here to help! Visit us at our branch or check out our website for more details: NCSECU. Our commitment to providing competitive loan products ensures that you'll find what you need at State Employees'. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter where you are on your financial journey, we're dedicated to helping you succeed with our personalized services and comprehensive loan offerings.
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 for both new and used vehicles to fit your budget.
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 that can benefit you while keeping your spending in check.
Mortgage Loans
Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our experienced staff can guide you through the process.
Loan Aggregator
Benefits of Using LendMesh
- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions, which helps in making informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping individuals achieve significant savings. 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.
Ensuring Accurate Loan Comparisons
LendMesh ensures that loan comparisons are accurate and fair. 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 means users can trust that the offers presented reflect genuine terms from reputable lenders.