State Employees' Credit Union Locust NC: Affordable Auto Loans & Personal Banking

Introduction

Welcome to State Employees' Credit Union, your trusted financial partner located at 11605 Redbridge Blvd, Locust, NC 28097. Since our establishment in 1937, we have been dedicated to serving our community and enriching the lives of our members. With a strong membership base of over 2.8 million, we are proud to offer a range of financial services designed to meet your personal and business needs. At State Employees', we understand that financial stability is key to achieving your dreams. Our total assets amount to a remarkable $57,229,286,839, reflecting our commitment to securing your future. With $7,866,265,767 in total deposits and a net worth of $5,446,832,560, you can trust that your funds are safe and growing with us. Led by our passionate CEO, Leigh Brady, and Board President Mona Moon, our team of over 8,258 employees is here to provide personalized service every step of the way. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we have you covered. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 11605 REDBRIDGE BLVD, LOCUST, NC 28097. We invite you to explore how we can assist you in achieving your financial goals. For more information or assistance, feel free to call us at 704-269-3339 or visit our website at ncsecu.org. Join us today and experience the difference that comes with being part of a member-focused credit union!

Branch History & Mission

At State Employees', we take pride in our rich history that began in 1937 when our doors first opened in Locust, NC. Over the decades, we have grown from a small credit union serving a handful of members to a robust financial institution with over 2.8 million members and total assets reaching an impressive $57,229,286,839. Our journey is marked by milestones that reflect our commitment to serving our community and adapting to the ever-changing financial landscape. Located at 11605 Redbridge Blvd, Locust, NC 28097, our branch has become a cornerstone of support for families and businesses alike. With easy access and dedicated services, we ensure that banking is convenient for everyone in the area. If you need to send official correspondence, please use our mailing address: 11605 REDBRIDGE BLVD, LOCUST, NC 28097. Our mission is simple yet powerful: to provide exceptional financial services while uplifting the communities we serve. We believe in making banking accessible to all offering personal banking solutions such as checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our commitment extends beyond just financial transactions; it includes fostering relationships and investing in local initiatives that benefit everyone. We are proud of our advancements in technology that make banking easier than ever. With features like online banking, mobile payments, and e-statements, our members can manage their finances securely from anywhere. Our drive-thru service ensures quick transactions for those on the go, while our ATMs provide easy access to cash whenever needed. As part of our outreach efforts, we engage with various community programs and partnerships aimed at improving lives in Locust and surrounding areas. We understand the importance of giving back and strive to make a positive impact through volunteer work and financial education initiatives. Join us at State Employees' Credit Union to experience the benefits of being part of a member-focused institution that values your needs and aspirations. Whether you're looking for everyday banking solutions or seeking advice on how to achieve your financial goals, we are here for you every step of the way. Visit us today or give us a call at 704-269-3339 we look forward to welcoming you into our family!

Branch Location & Accessibility

Convenient Access and Amenities

Parking is ample and free, ensuring you can hop in and out without any hassle. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to accommodate all members. Plus, for those who prefer not to step inside, we offer a drive-thru banking service that makes it easy to handle deposits, withdrawals, and other simple transactions without leaving your vehicle.

Operating Hours and Services Offered

We understand that life gets busy! That's why we're here for you Monday through Friday from 8:30 AM to 5:30 PM. With our friendly team ready to assist you during these hours, you'll find everything from checking and savings accounts to auto loans and mortgage refinancing all under one roof. If you need quick cash or want to check your balance, our ATM is available on-site for your convenience. And if you have questions about becoming a member or our services, don't hesitate to call us at 704-269-3339. While members can visit us at our branch address, please note that official correspondence should be sent to our mailing address: 11605 REDBRIDGE BLVD, LOCUST, NC 28097. Come see how State Employees' can support your financial journey today!

Member Eligibility

Becoming a member of State Employees' means joining a warm and welcoming community that prioritizes your financial well-being. If you live, work, or worship in the area, or if you are a family member of an existing member, you're likely eligible to join us! We believe that everyone deserves access to affordable financial services, and as a member, you'll enjoy benefits like competitive rates on loans and savings accounts, personalized service, and various financial products tailored to your needs. To explore the specific eligibility criteria and ensure you meet them, feel free to check out this link. When you're ready to open an account, the process is simple! You can get started online by visiting this page or give us a call at (704) 269-3339 for assistance. We're excited to welcome you to our family at State Employees', located at 11605 Redbridge Blvd Locust Nc 28097!

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. For those outside our membership, 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 today's fast-paced market, having the right tools can make all the difference. Our merchant services provide businesses with the ability to accept payments seamlessly and efficiently. Imagine a busy Saturday at your local café customers are lined up for their morning coffee. With our merchant solutions, transactions are quick and smooth, ensuring that you never miss a sale due to slow processing times. Located at 11605 Redbridge Blvd Locust Nc 28097 in Locust, NC, we invite you to explore how our business banking and commercial services can empower your company to thrive. Call us at (704) 269-3339 or visit us online at https://www.ncsecu.org/ for more information!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, our business banking services, including merchant services and business loans, can support your growth. We understand how vital it is for businesses to have reliable financial backing, and we're here to assist in achieving that.

Convenient Access

Accessibility is key at State Employees'. We offer ATM services where you can easily withdraw cash or check balances without waiting in line. Our drive-thru banking provides quick service for deposits and withdrawals, making it easier for those busy days when you're on the go. We also prioritize digital convenience with features like mobile payments and e-statements. With just a few taps on your smartphone or clicks online, managing your finances has never been easier. In everything we do, our goal is to ensure that you feel valued as a member of our community. If you're interested in exploring what we offer further or if you have any questions, don't hesitate to give us a call at (704) 269-3339 or visit us online at Locust. We look forward to serving you!

Credit Options

To reward your spending habits, we provide credit cards with rewards, allowing you to earn points for every dollar spent. This means you can enjoy perks while managing your finances effectively.

Personal Banking Services

Our personal banking options include checking and savings accounts that help you manage your everyday expenses and save for the future. Imagine easily accessing your funds through our online and mobile banking platforms where you can check balances, transfer money, or pay bills right from your phone. If you're thinking about buying a car, our auto loans and vehicle financing solutions make it easy to get behind the wheel without breaking the bank. And when it comes to homeownership, our mortgage loans and refinancing services can help turn your dream into reality with competitive rates. For those unexpected expenses or projects, we also offer personal loans and debt consolidation options. Our team is here to guide you through these processes so that you feel confident every step of the way.

Digital & Online Banking

Explore Our Online Banking Services

With our online banking platform, accessible at https://www.ncsecu.org/, you can take control of your finances from the comfort of your home or on the go. Whether you want to check your account balance, pay bills, or transfer funds, everything is just a few clicks away. Plus, our 24/7 online banking services mean you can access your accounts whenever it suits you.

Real-Time Account Management

Managing your money shouldn't feel like a chore. With person-to-person transfers currently unavailable, we focus on providing robust tools that allow you to track spending and maintain budgets directly through our app. Whether you're saving for a vacation or planning monthly expenses, you'll have real-time insights into your financial health. At State Employees', we're committed to making banking simple and accessible for everyone. Join us today and experience the ease of digital banking!

User-Friendly Features for Your Convenience

We know that security is important when it comes to managing your money. That's why we provide electronic signature authorization, ensuring that your transactions are both secure and efficient. You can also opt for e-statements, which not only help you stay organized but also reduce paper waste. For those who prefer to bank on their mobile devices, our mobile application offers all the essential features right at your fingertips. With mobile payments available, making purchases has never been easier just tap and go!

Financial Strength

Growing Member Base

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 capability to support your needs. 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 11605 Redbridge Blvd Locust Nc 28097 or call (704) 269-3339 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Reinvesting in Your 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 commitment to supporting your financial goals is evident in our lending capacity; with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we're ready to assist you across various sectors.

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 provide some of the lowest rates in the industry. We've already facilitated over $2,955,872,351 in used vehicle loans and $1,138,258,230 in new vehicle loans, helping our members get on the road with confidence. Whether you're considering a brand-new model or a reliable pre-owned vehicle, we're here to support your journey with flexible terms and competitive interest rates.

Credit Lines

For those who need a little extra flexibility, our total credit lines amounting to $18,909,000,000 are designed to give you access to funds when you need them most. This can be particularly useful for unexpected expenses or planned purchases without the stress of high-interest rates. If you're interested in refinancing any existing loans or want to explore eligibility options, we encourage you to reach out to us at (704) 269-3339 during our business hours from Monday to Friday, 8:30 AM - 5:30 PM. At State Employees', we're committed to helping you achieve your financial aspirations with personalized solutions tailored just for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and take the next step towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and straightforward. We currently offer Junior Lien 1-4 Family Residential Property loans totaling $2,138,885,519. Our team is dedicated to helping you find the right mortgage solution that fits your budget and future plans.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be tricky. That's why we also provide flexible terms on unsecured credit card loans, with a total of $1,177,171,541 in loans assisting our members in effectively managing their finances. Enjoy the convenience of cashless transactions while benefiting from our competitive rates.

Loan Aggregator

Call to Action

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STATE EMPLOYEES' CREDIT UNION - Locust, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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