State Employees' Credit Union Laurinburg NC: Low Mortgage Rates & Auto Loans

Introduction

Welcome to State Employees' Credit Union, your trusted partner in financial wellness since 1937. Located at 381 Plaza Rd, Laurinburg, NC 28352, our branch is dedicated to serving you and the community with personalized banking solutions. Whether you're looking for a checking account, auto loans, or mortgage refinancing, we have the resources and expertise to support your financial journey. With over 2.8 million members and total assets exceeding $57 billion, we pride ourselves on being a reliable choice for individuals and families across North Carolina. Our commitment goes beyond just numbers; it's about building lasting relationships with our members. Under the leadership of CEO Leigh Brady and Board President Mona Moon, we strive to ensure that each member feels valued and supported. At State Employees', we understand that financial needs vary from person to person. That's why we offer a range of services tailored to meet those unique requirements. From personal banking options like checking and savings accounts to business banking services, we are here to help you achieve your financial goals. While you can visit us at our branch location, please note that any official correspondence should be directed to our mailing address at 381 PLAZA RD, LAURINBURG, NC 28352. With total deposits reaching $7.8 billion and a net worth of $5.4 billion, you can trust that your money is in safe hands. We also maintain a healthy amount of cash in hand, totaling $708 million, ensuring liquidity and stability for all our members. Ready to take the next step? Contact us at 910-276-9636 or explore more about our offerings on our website here. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Welcome to the heart of community banking State Employees' in Laurinburg, NC. Established in 1937, we have proudly served our members for decades, evolving alongside our community and fostering a spirit of cooperation and support. Our journey began with a handful of dedicated individuals who believed in the power of collective resources, and today, we are honored to have over 2,847,943 members who trust us with their financial needs. Located at 381 Plaza Rd Laurinburg Nc 28352, just a stone's throw from local landmarks that symbolize our vibrant community, we aim to be more than just a financial institution. While you can visit us at this address for all your banking needs, official correspondence should be directed to our mailing address: 381 PLAZA RD, LAURINBURG, NC 28352. Our mission is clear: we strive to provide accessible financial services while uplifting the communities we serve. We offer a range of products from checking and savings accounts to auto loans and mortgage refinancing designed to empower our members on their financial journeys. Our commitment goes beyond mere transactions; it lies in building lasting relationships within our community. As we grew, so did our offerings. Today, with total assets amounting to an impressive $57,229,286,839, we continue to innovate and integrate new technologies to enhance your banking experience. We are proud to offer online and mobile banking services that make managing your finances easier than ever, ensuring accessibility for everyone, including those with disabilities. In addition to our extensive suite of banking services, we're deeply invested in community outreach. Through various partnerships and initiatives, we engage with local organizations and contribute to projects that matter most to our members. This commitment has allowed us not only to grow but also to create a positive impact right here in Laurinburg. At State Employees', we're not just about numbers; we're about people. Our dedicated team is available during operating hours from 8:30 AM to 5:30 PM on weekdays, ready to assist you with any inquiries or needs you may have. We also feature convenient drive-thru banking and ATM availability for quick access to your funds. Join us today at State Employees' and discover the benefits of being part of a credit union that truly cares about its members and their communities. Your journey toward financial well-being starts here!

Branch Location & Accessibility

Comprehensive Services

At State Employees', we offer a wide range of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. You can also manage your finances online or through mobile banking for added convenience. If you need cash quickly, rest assured that our ATM is available on-site for easy withdrawals and balance checks. While members can visit us at 381 Plaza Rd, official correspondence should be sent to the same address as our mailing address remains unchanged.

Convenient Access

Finding us is simple, and we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps to ensure everyone can visit comfortably. We also provide ample parking, so you won't have to worry about finding a spot when you come by. Whether you prefer visiting us during the day or utilizing our drive-thru service for quick transactions, we're here to serve you! Our lobby hours are Monday through Friday from 8:30 AM to 5:30 PM, giving you plenty of time to stop in for any banking needs. If you're on the go, take advantage of our drive-thru service for deposits, withdrawals, and other basic transactions without leaving your vehicle.

Join Us Today!

We invite you to stop by our Laurinburg branch or give us a call at 910-276-9636 if you have any questions or need assistance. Our friendly team is here to help you navigate your financial journey with ease. Come experience the welcoming atmosphere at State Employees' Credit Union today!

Member Eligibility

Welcome to State Employees', where becoming a member feels like joining a family that truly cares about your financial journey. If you're wondering how to become part of our community, it's quite simple! We welcome individuals who live, work, or worship in our area, as well as their families. This means that if you're connected to our vibrant community here in Laurinburg, you can enjoy all the benefits we offer. Membership opens the door to personalized banking services, competitive loan rates, and a range of financial products tailored just for you. To get started on your membership journey with us at State Employees', you can check out the detailed eligibility criteria by visiting http://www.ncsecu.org/join#eligibility. Once you're ready to open an account, the process is quick and easy simply follow this link: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance along the way, feel free to give us a call at (910) 276-9636. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced world, efficient payment solutions are vital. Our merchant services make it easy for you to accept payments seamlessly be it in-store or online. Picture your customers checking out effortlessly while you focus on what truly matters: growing your business. Located at 381 Plaza Rd Laurinburg Nc 28352, Laurinburg, NC, we invite you to reach out at (910) 276-9636 or visit us today! Together, let's build a brighter future for your business.

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

Accessing Your Accounts

We know that convenience matters. That's why we offer essential services such as ATM access for cash withdrawals and balance checks, along with basic drive-thru banking for quick deposits and simple transactions. With these options, managing your money has never been easier.

Credit Cards with Benefits

For those looking to earn rewards while they spend, our credit cards with rewards offer just that. Whether it's cash back or points toward travel and merchandise, using our credit card can enhance your purchasing experience.

Get Started Today!

At State Employees', we pride ourselves on offering comprehensive financial solutions that cater to both individual needs and community interests. Ready to learn more? Give us a call at (910) 276-9636 or visit our website at Laurinburg for more information on how we can support you in achieving your financial goals!

Loans That Fit Your Life

Thinking about buying a new car? Our auto loans and vehicle financing options provide competitive rates that can make owning a vehicle more affordable. If you're considering homeownership or refinancing an existing mortgage, our mortgage loans offer flexible terms to fit your budget. We also understand that life can throw unexpected expenses your way, which is why our personal loans and debt consolidation services are available to help you regain control.

Personal Banking Made Easy

Our personal banking services include various checking and savings accounts designed for your convenience. Imagine effortlessly managing your funds with easy access through our online and mobile banking options. You can check balances, transfer money, and pay bills right from your smartphone making it simple to stay on top of your finances anytime, anywhere.

Supporting Local Businesses

If you're a business owner in need of financial support, we have you covered with our business banking solutions. From merchant services to tailored business loans, we aim to assist local enterprises in thriving.

Digital & Online Banking

At State Employees', we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances easier and more secure than ever. With our user-friendly tools, you can access your accounts anytime, anywhere, ensuring you stay in control of your money. Our online banking platform is available 24/7 at https://www.ncsecu.org/. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. You can also choose to receive e-statements, which are not only eco-friendly but also help you stay organized by keeping all your financial documents in one place. Plus, with our electronic signature authorization feature, signing important documents has never been simpler or more secure. For those on the go, our mobile application provides convenient banking right at your fingertips. You can set up mobile payments easily and enjoy the flexibility of managing your accounts from your smartphone. While person-to-person transfers aren't currently available, our app still offers many features to help you navigate your banking needs smoothly. The security of your personal information is our top priority. We utilize advanced security measures to protect your data while providing easy access to your accounts. With real-time account management tools, you'll always be aware of your financial standing. At State Employees', we're committed to making banking as hassle-free as possible. Whether you're checking in on a Friday night or transferring funds during lunch break, we've got you covered! Join us today and experience the convenience of digital banking like never before.

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 members' financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases.

Growing Trust

Total Share and Deposit Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. This trust empowers us to enhance your banking experience continually. In conclusion, 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 381 Plaza Rd Laurinburg Nc 28352 or call (910) 276-9636 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.

Member-Centric Resources

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 $2,145,244 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.

Solid Financial Health

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 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 flexible terms and competitive rates so you can drive away with confidence.

Credit Lines

For those who need ongoing access to funds without needing a specific loan amount upfront, our total credit lines of $18,909,000,000 provide an excellent safety net. This flexibility allows you to borrow as needed while only paying interest on what you use. If you're considering refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out. Our team is ready to assist you in finding the best loan solutions tailored to your individual circumstances. For more information about our loan offerings or to discuss your options further, please call us at 910-276-9636. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, making buying or refinancing simple. We can guide you through the process and help you find the right mortgage solution for your situation.

Unsecured 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 option allows you to make purchases without having to put down collateral while enjoying competitive interest rates.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh guarantees accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that the information you see reflects the latest offers and rates available in the market (Source: https://www.ncua.gov). By working exclusively with verified financial institutions, LendMesh ensures that users receive fair and transparent offers.

STATE EMPLOYEES' CREDIT UNION - Laurinburg, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in Laurinburg, NC (28352)