State Employees' Credit Union Lexington NC: Low Mortgage Rates & Business Banking

Introduction

Welcome to State Employees' Credit Union, your trusted financial partner located at 404 Piedmont Dr, Lexington, NC 27295. Established in 1937, our commitment has always been to serve our members with integrity and dedication. With a robust membership of over 2.8 million, we stand proud as a pillar of strength in the community. At State Employees' Credit Union, we manage total assets of approximately $57.2 billion and facilitate loans totaling 1,194,630 to help you achieve your financial dreams. Our members enjoy a safe haven for their deposits, currently amounting to $7.9 billion. We believe that every member deserves access to quality financial services without compromising on personal touch. Our leadership team, headed by CEO Leigh Brady and Board President Mona Moon, ensures that our operations are aligned with the needs of our community while maintaining a solid net worth of $5.4 billion. With a dedicated workforce of 8,258 employees, we are here to provide personalized service and support. While members can visit us at our branch location, official correspondence should be sent to the same address: 404 PIEDMONT DR, LEXINGTON, NC 27295. At State Employees' Credit Union, we offer a wide range of services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and business banking solutions. Whether you need assistance with everyday banking or specialized financial products, we're here for you. To learn more about our offerings or to start your journey with us today, please visit our website at www.ncsecu.org or call us at 336-243-2326. Join us in experiencing exceptional service tailored just for you!

Branch History & Mission

Community Engagement

At State Employees', we understand the importance of giving back. Through various outreach programs and partnerships with local organizations, we aim to make a positive impact in the lives of our members and neighbors. Whether it's sponsoring community events or providing financial education resources, we are dedicated to supporting those around us. In an ever-changing world, we also prioritize accessibility and innovation. Our branch is ADA compliant and equipped with online banking options, mobile payments, and electronic signatures to ensure that all members can easily manage their finances. We invite you to join our growing family at State Employees'. Experience firsthand the benefits of being part of a credit union that truly cares about your financial journey and community well-being. For more information or to become a member today, please call us at 336-243-2326 or visit our website. Together, let's build a brighter financial future!

Our Mission

The mission of State Employees' is simple yet powerful: to enhance the financial well-being of our members while fostering a sense of community. We believe that everyone deserves access to affordable financial services and opportunities for growth. Our commitment extends beyond just banking; we actively participate in local initiatives and partnerships that uplift our community. We offer a wide array of services including personal banking, auto loans, mortgage loans, and business banking solutions. With operating hours from 8:30 AM to 5:30 PM on weekdays, and features such as drive-thru banking and ATM availability, we strive to make banking convenient for everyone. While members can visit us at 404 Piedmont Dr for all their banking needs, official correspondence should be sent to the same address as our mailing address aligns with it.

Branch Location & Accessibility

Welcome to State Employees' branch, your friendly financial partner located at 404 Piedmont Dr in Lexington, North Carolina. Nestled in Davidson County, our branch is easy to find and designed with your convenience in mind. Whether you're a long-time member or considering joining us for the first time, we invite you to experience the warmth and accessibility of our services. Our location is not just about convenience; it's about being part of the community. We're just a short drive from local landmarks, making it easy to stop by while you're out and about. Plus, ample parking ensures that you can access our branch without any hassle. Inside, you'll find features designed for everyone, including ADA-compliant ramps and accessible facilities to ensure that all members feel welcome. Our operating hours are set to fit your busy schedule stop by Monday through Friday from 8:30 AM to 5:30 PM. Whether you need assistance with personal banking, auto loans, or even mortgage refinancing, our dedicated team is ready to help. For those who prefer quick transactions, we offer drive-thru banking for deposits and withdrawals. And if you're on the go, don't forget that we also provide ATM access right here at the branch. If you need to send official correspondence, please note that while we serve you at 404 Piedmont Dr, all mail should be directed to the same address: 404 PIEDMONT DR, LEXINGTON, NC 27295. We're here for you! Feel free to call us at 336-243-2326 with any questions or simply come visit us today. Your financial journey is important to us!

Member Eligibility

At State Employees', we believe that joining our community is like becoming part of a family where everyone supports one another. If you're looking to become a member, you'll be pleased to know that eligibility is straightforward and welcoming. We invite anyone who lives, works, or attends school in the area, along with their family members, to join us. This means if you're part of our local community in any capacity, you can enjoy the benefits of membership, including competitive rates on loans and personalized financial services. For specific eligibility details, feel free to check out our resource at http://www.ncsecu.org/join#eligibility. Becoming a member is just a few easy steps away! You can open an account by visiting us at 404 Piedmont Dr Lexington Nc 27295 or online through this link: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance during the process, don't hesitate to give us a call at (336) 243-2326. We're here to help you every step of the way as you take advantage of all the great services we offer at State Employees'!

Business Banking & Commercial Services

Merchant Services that Make Sense

Imagine being able to process payments quickly and efficiently, no matter where you are. Our merchant services allow you to accept credit and debit card transactions seamlessly, which means you can focus on what you do best running your business. Whether you're a retail shop or a service provider, we have tools that fit your needs perfectly. Located at 404 Piedmont Dr Lexington Nc 27295 in Lexington, NC, we invite you to explore how our business banking solutions can make a difference for your enterprise. For more information or assistance, give us a call at (336) 243-2326. Let's work together to build your business!

Tailored Loan Options for Growth

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

Business Banking Services

For entrepreneurs and business owners, we offer a variety of solutions tailored for you. Our business banking services, including merchant services and business loans, help streamline operations so you can focus on growing your business without the hassle.

Convenient Access Points

Accessibility is key in today's fast-paced world. At State Employees', we have one ATM available for quick cash withdrawals and balance checks. Our drive-thru service allows for simple transactions like deposits and withdrawals without leaving your vehicle perfect for those busy days!

Credit Options with Rewards

Our credit cards with rewards offer not just purchasing power but also benefits like cash back or travel points. It's an easy way to earn while you spend!

Engage with Us

We invite you to explore all the services we offer at State Employees' in Lexington. Our commitment is to provide reliable financial solutions that empower you every step of the way. For more information or assistance, feel free to call us at 336-243-2326. We're here to help make your financial dreams a reality! Visit us online at ncsecu.org to learn more about how we can serve you better.

Personal Banking Solutions

We understand that managing personal finances can be overwhelming. That's why we offer checking and savings accounts that fit your lifestyle. With easy access through our online and mobile banking services, you can check balances, transfer funds, and pay bills anytime, anywhere. If you're thinking about buying a car, consider our auto loans and vehicle financing options that make it simple to get behind the wheel without breaking the bank. For those larger life purchases like a home, our mortgage loans and refinancing options provide competitive rates and personalized service to guide you through the process. And if you're facing unexpected expenses or need help consolidating debt, our personal loans and debt consolidation services are here to support you on your financial journey.

Digital & Online Banking

At State Employees', we understand that convenience and security are key in today's fast-paced world. That's why we offer a range of digital and online banking services designed to make managing your finances easier and safer than ever. With our online banking services, you can access your account anytime, anywhere. Whether you want to check your balance, transfer funds, or pay bills, our 24/7 online banking platform provides you with the tools you need at your fingertips. Plus, with electronic signature authorization available, signing documents is as easy as a few clicks. We also offer e-statements for those who prefer to go paperless. This not only helps the environment but also allows you to keep track of your financial history without clutter. If you're on the go, our mobile application ensures that you can manage your accounts right from your smartphone. With features like mobile payments, making purchases or sending money is quick and straightforward. While person-to-person transfers are not currently offered, our focus remains on providing secure and user-friendly experiences in every other aspect of our digital services. At State Employees', your security is paramount; we continuously work to protect your information so you can bank confidently. In summary, whether you're at home or out and about, State Employees' ensures that banking is accessible and manageable for everyone. Explore all our digital options today by visiting our website to see how we can help streamline your banking experience!

Financial Strength

Building Trust Through Member Engagement

Total Share and Deposit Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $574,556,810, further demonstrating our commitment to serving your needs effectively. 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 404 Piedmont Dr Lexington Nc 27295 or call (336) 243-2326 to learn more about how we can help you achieve your financial goals.

Commitment to Growth and Innovation

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. 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.

Member Savings and 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.

Our 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 provide some of the lowest rates in the industry. We've already helped many members with over $2,955,872,351 in used vehicle loans and $1,138,258,230 in new vehicle loans. Whether you're purchasing a new model or a reliable used car, our competitive rates make it easier for you to get on the road.

Credit Lines and Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $1,177,171,541 helping members manage their finances effectively. Additionally, our total credit lines amounting to $18,909,000,000 provide an excellent option for those who need ongoing access to funds. At State Employees', we take pride in offering loan products tailored to meet your specific needs. If you're interested in any of our offerings or want more details about eligibility and refinancing options available to you, please don't hesitate to contact us at 336-243-2326 or visit us at our branch located at 404 Piedmont Dr, Lexington NC 27295. For performance insights and financial data related to our services and products, we source information from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're dedicated to supporting your financial journey every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. We aim to make buying or refinancing simple and accessible for all our members. If you're interested in refinancing your existing mortgage or exploring eligibility options, we're here to guide you through the process.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 using verified data means that users can trust the offers they see are fair and transparent.

STATE EMPLOYEES' CREDIT UNION - Lexington, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in Lexington, NC (27295)