Nc State Employee Credit Union

In the welcoming community of Kinston, the State Employees' Credit Union branch at 210 Airport Rd is your trusted partner for financial success. Whether you’re looking to secure some of the best auto loans with flexible vehicle financing or streamline your personal banking through convenient checking and savings accounts, this branch offers expert guidance tailored to your unique needs. Open Monday through Friday from 8:30 AM to 5:30 PM, members enjoy easy access to drive-thru banking and an onsite ATM for quick withdrawals and balance checks.
Serving nearly 2.85 million members statewide with assets surpassing $57 billion, this Kinston location also shines with competitive mortgage loans and refinancing options designed to make homeownership more attainable. Local businesses can take advantage of specialized merchant services and business loans crafted to support growth. Plus, with secure online and mobile banking platforms, managing your finances anytime, anywhere has never been simpler.
Visit the State Employees’ Credit Union branch at 210 Airport Rd or call 252-522-2121 today to experience friendly, community-focused service. Discover how our signature auto loans and comprehensive personal banking solutions can help you confidently accelerate 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 at 210 Airport Rd, Kinston, NC 28504! Since our establishment in 1937, we have been dedicated to serving the financial needs of our members with trust and reliability. With over 2.8 million members and a robust financial foundation boasting $57,229,286,839 in total assets, we are proud to be a cornerstone of the Kinston community. At State Employees', we believe in putting people first. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Our commitment extends beyond just services; it's about building relationships that foster financial well-being for all our members. While you can visit us at our branch location for friendly assistance and services, please note that any official correspondence should be directed to our mailing address: 210 AIRPORT RD, KINSTON, NC 28504. Under the leadership of CEO Leigh Brady and Board President Mona Moon, we strive to create an environment where your financial goals are prioritized. With a solid net worth of $5,446,832,560 and total deposits amounting to $7,866,265,767, our credit union is well-equipped to support you through various life stages. Our team of dedicated employees totaling 8,258 is here to provide you with personalized service every step of the way. You can easily reach us at (252) 522-2121, or feel free to explore more about what we offer on our website: ncsecu.org. Join us today and experience the difference that comes with being part of a member-focused credit union!

Branch History & Mission

Our Mission

At State Employees', our mission is simple: to provide exceptional financial services while fostering community support and growth. We believe in helping our members achieve their financial goals through personalized banking solutions, including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also strive to create meaningful connections within the community by engaging in outreach efforts and partnerships that uplift those around us. While members can visit us at 210 Airport Rd, official correspondence should be sent to 210 AIRPORT RD, KINSTON, NC 28504 if necessary. Our operating hours are convenient for all: Monday through Friday from 8:30 AM to 5:30 PM, ensuring you can reach us when you need assistance most. For added convenience, we offer ATM access and drive-thru banking options. We understand that accessibility is key. That's why we have made strides in digital banking by providing online services that include mobile payments and e-statements. Our commitment to ADA compliance ensures that all members can comfortably access our services. As we look ahead, we invite you to join the State Employees' family. Experience firsthand the benefits of being part of a credit union that truly cares about its members and the community. Your financial wellness is our priority, and together we can build a brighter future for all. If you're ready to take the next step towards better banking or have any questions about membership eligibility, please don't hesitate to reach out at 252-522-2121 or visit our website at ncsecu.org. Join us today let's grow together!

Branch Location & Accessibility

Convenient Access and Local Landmarks

Our location on Airport Road is just a stone's throw away from popular landmarks like the Kinston Regional Jetport, making it a breeze for travelers and locals alike. With ample parking available right outside our doors, visiting us is hassle-free. We also pride ourselves on being ADA compliant, ensuring everyone can access our services comfortably.

Operating Hours and Services

We are open Monday through Friday from 8:30 AM to 5:30 PM, offering a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Need to make a quick deposit or withdrawal? Our drive-thru service is ready to assist you with basic transactions without leaving your vehicle. Plus, our ATM is available for cash withdrawals and balance inquiries around the clock.

Reach Out Anytime

While you're welcome to visit us at our branch address, please note that any official correspondence should be sent to the same address as we do not have a different mailing address. If you have any questions or need assistance, feel free to give us a call at 252-522-2121. Our friendly team is eager to help you navigate your financial journey. Come see us today at State Employees' Credit Union on Airport Road! We look forward to serving you!

Member Eligibility

Joining the State Employees' community is like stepping into a warm and welcoming family dedicated to your financial well-being. To become a member, you'll find that eligibility is quite straightforward. If you're an employee of the state of North Carolina, or if you're related to someone who is, you're already on the right path! We also welcome members from certain other groups, making it easy for many to enjoy our services. The benefits of membership are substantial, including access to competitive rates on loans and savings accounts, as well as personalized customer service that truly cares about your needs. To learn more about the specific eligibility requirements and ensure you qualify, feel free to check out this detailed guide at http://www.ncsecu.org/join#eligibility. Once you're ready to take the next step towards membership, opening an account is simple just visit us at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or give us a call at (252) 522-2121. We're located at 210 Airport Rd Kinston Nc 28504, and we can't wait to have you join our thriving community!

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 everyday transactions for businesses. Imagine having a reliable partner that streamlines payment processing, allowing you to focus on what you do best running your business. Our services help you accept payments quickly and securely, making customer experiences smoother while enhancing your cash flow. Visit us at 210 Airport Rd Kinston Nc 28504 in Kinston, NC or call us at (252) 522-2121. Let's work together to elevate your business!

Comprehensive List Of Services

Accessing Cash Made Easy

Need cash quickly? Take advantage of our ATM and cash withdrawal services available at various locations, ensuring that you always have access to your money when you need it most. For simple transactions like deposits and withdrawals, our basic drive-thru banking option provides a quick solution without leaving your vehicle.

Business Banking Services

If you're an entrepreneur or small business owner, you'll appreciate our comprehensive Business Banking services. We offer merchant services that help streamline payment processing so you can focus on what matters most growing your business. Additionally, our Business Loans are designed to support your goals, whether you're expanding operations or managing day-to-day expenses.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why Kinston - Airport Road offers robust online and mobile banking platforms that allow you to manage your finances anytime, anywhere. With features like online banking and mobile payments, accessing 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.

Personal Banking Solutions

We understand that everyone's banking needs are unique. That's why we offer Personal Banking options including checking and savings accounts designed for everyday use. Need a car? Our Auto Loans & Vehicle Financing services make it simple and straightforward to get behind the wheel of your dream vehicle. If you're thinking about buying a home, our Mortgage Loans & Refinancing options can help you secure the right financing for your situation. For those moments when life throws unexpected expenses your way, our Personal Loans & Debt Consolidation products provide flexible solutions that fit your budget. Plus, enjoy the perks of having a Credit Card with Rewards, allowing you to earn while you spend on things you love.

We're Here for You

At State Employees', we believe in building lasting relationships with our members by offering personalized service and trustworthy financial advice. You can visit us at 210 Airport Rd Kinston Nc 28504 or give us a call at (252) 522-2121 during our operating hours from Monday through Friday, 8:30 AM to 5:30 PM. Ready to take the next step in your financial journey? Explore all that we have to offer by visiting us online at https://www.ncsecu.org/ or stop by for more information about how we can assist you today!

Digital & Online Banking

Key Features for Your Convenience

We know that security is a top concern when it comes to banking online. That's why we provide Electronic Signature Authorization, ensuring that your transactions are protected while allowing you to sign documents quickly and easily from the comfort of your home. Plus, you can opt for E-Statements, which are not only more environmentally friendly but also allow for easier record-keeping and faster access to your financial statements. If you're always on the move, our Mobile Application allows you to carry your bank in your pocket. You can make payments through Mobile Payments, making transactions as easy as tapping your phone. Although we currently do not support Person-to-Person Transfers, our other features are designed to meet most of your banking needs efficiently.

Stay Connected Anytime

We strive to ensure that banking is as accessible as possible for all our members. Our user-friendly interface means that whether you're tech-savvy or just getting started, you'll find navigating our digital services straightforward. With real-time account management, you're always in control of your finances. In today's fast-paced world, having reliable digital banking options is essential. At State Employees', we're dedicated to providing you with the tools you need for effective financial management right at your fingertips. Explore more about our online services at https://www.ncsecu.org/ and take advantage of everything we have to offer!

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 understand that in today's economy, it's crucial to have confidence in your financial institution. That's why we are proud to share our robust financial health with you, ensuring that your money is safe and working for you. 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. 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 commitment to lending is evident as well; 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. Our operational efficiency is reflected in 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 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 210 Airport Rd Kinston Nc 28504 or call (252) 522-2121 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 Financial Support

In addition to our primary offerings, we have options for personal loans and debt consolidation to assist you further. Whether you're facing unexpected expenses or planning for future investments, our team at State Employees' is here to guide you through the process. For any questions about eligibility or our refinancing options, don't hesitate to reach out! You can contact us at (252) 522-2121 or visit us at our branch located at 210 Airport Rd Kinston Nc 28504, Kinston, 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.

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 also provide flexible refinancing options to make sure your loan fits 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. This product is ideal for those looking to consolidate debt or make larger purchases without the burden of high-interest rates.

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 competitive rates and terms that can be tailored to meet your specific financial situation.

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