State Employees' Credit Union Lincolnton NC: Top Checking & Auto Loans

Introduction

Welcome to State Employees' in Lincolnton, NC! Located at 110 Sigmon Rd, Lincolnton, NC 28092, our credit union has been a trusted financial partner since 1937. With a commitment to serving our members and the community, we proudly support over 2.8 million members and manage assets totaling an impressive $57.2 billion. At State Employees', we believe in the power of community and strive to provide accessible financial solutions tailored to your needs. Whether you're looking for personal banking services like checking and savings accounts or need assistance with auto loans, mortgages, or credit cards, we've got you covered. Our total deposits currently stand at $7.9 billion, reflecting our strong foundation and trust within the community. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to the same address: 110 SIGMON RD, LINCOLNTON, NC 28092. Under the leadership of our CEO, Leigh Brady, and Board President, Mona Moon, our dedicated team of 8,258 employees is here to ensure that your experience is both pleasant and rewarding. With a net worth of $5.4 billion and ample cash on hand amounting to $708.7 million, we are well-equipped to support your financial journey. We invite you to reach out by phone at 704-732-0764 or explore our website at ncsecu.org for more information about our products and services. At State Employees', we're not just a credit union; we're part of your community working together towards a brighter financial future!

Branch History & Mission

Community Focus

State Employees' is more than just a credit union; we are your neighbors. We actively participate in community events and initiatives that help improve the well-being of Lincolnton residents. Whether it's sponsoring local sports teams or supporting educational programs, we believe in giving back because your success is our success. We invite you to join us on this journey. Experience firsthand how State Employees' can make a difference in your financial life and contribute positively to our community's future. Let's work together towards achieving your dreams whether they be saving for a new home or planning for retirement. If you're ready to become part of something bigger than banking alone, contact us today at 704-732-0764 or visit us online at ncsecu.org. Join State Employees' and discover how together we can build a brighter future!

Our Evolution

Located at 110 Sigmon Rd, Lincolnton, NC 28092, our branch has seen significant milestones throughout its history. From humble beginnings, we have expanded our offerings and services to meet the evolving needs of our members. With total assets now exceeding $57 billion, we take pride in being one of the largest credit unions in the state. Our mission is clear: to provide accessible financial services while enhancing the quality of life in our communities. While members can visit us at our branch address for all their banking needs, official correspondence should be directed to our mailing address: 110 SIGMON RD, LINCOLNTON, NC 28092.

Our Mission

At State Employees', we are committed to making a positive impact on our community. Our mission is to provide exceptional financial services that empower individuals and families to achieve their goals. We offer a wide range of products including personal banking accounts, auto loans, mortgage options, and credit cards with rewards all designed with you in mind. But it doesn't stop there; we also prioritize community support through various outreach programs and partnerships aimed at enriching the lives of those around us. As part of our commitment to accessibility and customer satisfaction, we ensure that our services are available both online and in-person. Our operating hours from 8:30 AM to 5:30 PM make it easy for you to find time for your banking needs. Plus, with ATM availability and drive-thru services at your convenience, we've made banking easier than ever.

Branch Location & Accessibility

Accessibility Features

At our Lincolnton branch, accessibility is a priority. We have ample parking available, with ADA-compliant features ensuring that all members can access our services comfortably. If you prefer driving through, our drive-thru service allows for quick and easy transactions without needing to leave your vehicle.

Operating Hours

We understand that life can get busy, which is why our lobby hours are set for your convenience. Visit us Monday through Friday from 8:30 AM to 5:30 PM. Our friendly staff is ready to assist you during these hours with any banking needs you may have.

Services Offered

While you're here, explore our range of services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Need cash? Enjoy hassle-free access with our ATM on-site or use the drive-thru for deposits and withdrawals. For any official correspondence, please send your mail to our mailing address at 110 SIGMON RD, LINCOLNTON, NC 28092. Don't hesitate to reach out! Call us at 704-732-0764 if you have questions or need assistance before your visit. We're excited to welcome you into the State Employees' family!

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a friendly and supportive community. Becoming a member is simple and welcoming! If you live or work in North Carolina, you're likely already eligible. We also extend membership to your family members, making it easier to share the benefits of our services. To learn more about specific eligibility requirements, feel free to visit our detailed resource at http://www.ncsecu.org/join#eligibility . Once you're ready to join us, opening an account is a breeze! You can get started online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx ?role=secu or give us a call at (704) 732-0764 for assistance. Our team is here to help you every step of the way. Enjoy personalized banking solutions and become part of something special at State Employees', located at 110 Sigmon Rd Lincolnton Nc 28092!

Business Banking & Commercial Services

Our Commitment to Business 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.

Practical Merchant Services

In addition to loans, our merchant services simplify everyday transactions. Picture this: you're at the counter, and a customer wants to pay with their card. Our efficient payment processing makes it easy for you to complete sales quickly and securely. This convenience not only enhances customer satisfaction but also helps streamline your operations. Visit us at 110 Sigmon Rd Lincolnton Nc 28092 in Lincolnton, NC or call us at (704) 732-0764 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking Support

For our business members, we offer tailored solutions including Merchant Services & Business Loans. Whether you're starting a new venture or expanding an existing one, our team is ready to partner with you in achieving your business objectives.

Convenient Access

To enhance your banking experience further, we offer various convenient services such as ATM & Cash Withdrawal Services, available at numerous locations including ours here in Lincolnton. For quick transactions, utilize our Basic Drive-Thru Banking for deposits and withdrawals without leaving your vehicle. At State Employees', we prioritize making banking easy and accessible for everyone. Our commitment is reflected not just in our range of services but also in the supportive environment we provide for all members. Ready to take the next step? Give us a call at (704) 732-0764 or visit us at 110 Sigmon Rd Lincolnton Nc 28092 today! Explore how we can help you reach your financial goals with confidence and ease.

Credit and Debt Management

We understand that sometimes life can throw challenges your way. That's why we provide Personal Loans & Debt Consolidation services to help you regain control over your finances. If you're looking for a way to manage unexpected expenses or consolidate existing debt into one manageable payment, we're here to help. Additionally, our Credit Cards with Rewards allow you to earn points on everyday purchases perfect for those who want to maximize their spending power while enjoying great benefits.

Personal Banking Solutions

Our personal banking options are designed with you in mind. From opening a Checking & Savings Account to managing your finances through our Online & Mobile Banking, we ensure that banking is easy and accessible. Imagine being able to check your balance or transfer funds from the comfort of your home or on-the-go using our mobile app. Plus, with features like e-statements and electronic signatures, managing your accounts has never been more convenient. When it comes to financing, our Auto Loans & Vehicle Financing make it simple for you to drive away in your dream car. We offer competitive rates and flexible terms that can fit any budget. If you're thinking about purchasing a home, explore our Mortgage Loans & Refinancing options. Our knowledgeable staff can guide you through the process, ensuring you find the right solution for your housing needs.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization system. This allows you to sign documents securely without needing to visit a branch, saving you time and hassle. We also offer e-statements for those who prefer going paperless, giving you a quick way to track your spending while helping the environment. If you're always on the move, you'll love our mobile application. It lets you manage your accounts right from your smartphone. You can make mobile payments easily, ensuring that paying friends or making purchases is just a tap away. Although we don't currently support person-to-person transfers, our mobile app still provides a comprehensive banking experience. Security is a top priority at State Employees'. We utilize advanced encryption technologies to keep your information safe while allowing you to enjoy the ease of digital banking. Whether you're checking balances late at night or setting up bill payments during lunch breaks, rest assured that we've got your back. In short, with services like online banking and our intuitive mobile app at State Employees', managing your money has never been easier or more secure. Explore all that we have to offer by visiting our website today!

Financial Strength

A Growing Community

Our strong community presence is evident with 5,850,875 total share accounts, showcasing a growing member base that trusts us with their finances. With net shares available for lending and investments totaling $574,556,810, we're well-positioned to support your financial journey. 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 110 Sigmon Rd Lincolnton Nc 28092 or call (704) 732-0764 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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 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. This dedicated team ensures our branches are always ready to serve you with knowledgeable assistance.

Reinvestment for 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 with $193,516 in used auto loans and $34,904,944,116 in total loans and leases.

Strong 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 $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

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. Whether you're interested in a brand-new model or a reliable used car, our competitive rates can make financing easier than ever.

Business Financing

For business owners looking for capital to grow and expand their ventures, we currently have no outstanding commercial loans available. However, we encourage you to explore our other services tailored for small businesses. Our team is dedicated to providing exceptional service at our branch located at 110 Sigmon Rd Lincolnton NC 28092. Feel free to reach out to us at 704-732-0764 if you have questions about our loan offerings or eligibility requirements. 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 online at ncsecu.org for more information or to apply for a loan today!

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 aim to provide flexible terms that suit your budget and needs. If you're considering refinancing your current mortgage for better terms or rates, we are here to guide you through the process.

Personal Loans and Credit Lines

For those needing additional funds for personal projects or unexpected expenses, our unsecured credit card loans total $1,177,171,541. These flexible terms can help you manage your finances effectively while giving you access to credit when you need it most.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans