Nc State Employee Credit Union

In the charming town of Marshall, the State Employees' Credit Union branch at 4951 NE US 2570 Hwy is proud to serve as your trusted financial partner. Whether you’re ready to take advantage of some of the best auto loans with flexible vehicle financing or looking to simplify your personal banking through convenient checking and savings accounts, this branch offers friendly, expert support tailored to your unique goals. Open Monday through Friday from 8:30 AM to 5:30 PM, members also enjoy the convenience of drive-thru banking and an onsite ATM for quick cash withdrawals and balance checks.
With nearly 2.85 million members statewide and assets exceeding $57 billion, this Marshall location shines by providing competitive mortgage loans and refinancing options designed to make homeownership more accessible. Local businesses can also benefit from specialized merchant services and business loans crafted to support growth. Plus, secure online and mobile banking platforms make managing your finances effortless anytime, anywhere.
Visit the State Employees’ Credit Union branch at 4951 NE US 2570 Hwy or call 828-649-0146 today to experience welcoming community service. Discover how our signature auto loans and comprehensive personal banking solutions can help you confidently drive toward your financial future!

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', your trusted financial partner located at 4951 Ne Us 2570 Hwy, Marshall, NC 28753. Since our establishment in 1937, we've been committed to serving our community and supporting our members with a range of financial services tailored to meet their needs. With over 2.8 million members and total assets exceeding $57 billion, we pride ourselves on being a reliable institution that puts people first. At State Employees', we understand that managing your finances can be challenging, which is why we're here to help. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, works tirelessly to ensure that our members receive the highest level of service. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, we've got you covered. While members can visit us at our branch in Marshall, official correspondence should be sent to the same address: 4951 NE US 25/70 HWY, MARSHALL, NC 28753. We are proud to offer various services including online banking and mobile payments, ensuring that you have access to your accounts anytime and anywhere. With total deposits reaching $7.87 billion and a net worth of $5.45 billion, State Employees' is not only financially strong but also dedicated to making a positive impact in the lives of our members. We invite you to join our growing family and experience the benefits of being part of a member-focused credit union. For any inquiries or assistance, please don't hesitate to reach out at (828) 649-0146 or visit us online at ncsecu.org. We look forward to serving you!

Branch History & Mission

Community Focus

Our commitment extends beyond mere transactions. We strive to ensure that everyone has access to essential banking services. Our branch features include ATM availability and convenient drive-thru banking services for quick deposits and withdrawals. Furthermore, we offer digital advancements like online banking and mobile payments so you can manage your finances anytime and anywhere. As we look ahead, we continue to prioritize accessibility for all members while maintaining ADA compliance across our facilities. This focus on inclusivity ensures that everyone in our community can benefit from our services.

Join Us

We invite you to become part of the State Employees' family! Experience firsthand how we blend exceptional service with genuine care for our members' well-being. Visit us today or call us at 828-649-0146 to learn more about how we can assist you on your financial journey. Together, let's build a brighter future for ourselves and our community!

Our Journey

From humble beginnings, State Employees' has evolved into a cornerstone of financial assistance in Marshall and surrounding areas. Our journey reflects a commitment to improving lives through accessible banking services and community engagement. We understand that life can be unpredictable, which is why our mission is not just about providing financial products but also about fostering a supportive environment where every member feels valued.

Our Mission

At State Employees', we believe in empowering our members through comprehensive financial solutions tailored to their unique needs. Whether it's offering competitive rates on auto loans or providing resources for personal and business banking, our goal is to help you achieve your financial dreams. We are passionate about community outreach and often partner with local organizations to uplift those around us. While you can visit us at our branch location, please note that official correspondence should be sent to 4951 NE US 25/70 HWY, MARSHALL, NC 28753 if this differs from our physical address.

Branch Location & Accessibility

Convenient Access

At our Marshall branch, you'll find ample parking that's easily accessible for everyone. We've made sure our facilities are ADA compliant, ensuring that all members can access our services comfortably. Whether you prefer visiting in person or need a quick transaction, our drive-thru banking option is available for your convenience.

Get in Touch

Have questions? Want to learn more about how we can help you? Feel free to call us at 828-649-0146. We invite you to come by and experience firsthand the friendly service that sets us apart. We look forward to welcoming you soon!

Operating Hours

We understand that life can get busy, so we strive to be here when you need us. Our lobby hours are from 8:30 AM to 5:30 PM, Monday through Friday, providing plenty of time for you to take care of your banking needs. If you're looking for an ATM, we've got you covered with 24/7 access right on-site!

Services Offered

As part of the State Employees' credit union family, we offer a range of services tailored to meet your needs whether it's personal banking like checking and savings accounts or loans for vehicles and mortgages. Our staff is always ready to assist you with any inquiries about our services or account options. While members can visit us at our Marshall location for all their financial needs, please note that official correspondence should be sent to the same address: 4951 NE US 25/70 HWY, Marshall, NC 28753.

Member Eligibility

At State Employees', we're excited to welcome you into our community where your financial well-being is our top priority. Becoming a member is easy and open to anyone who shares our values of service and support. If you live, work, or worship in the areas we serve, you may be eligible to join us! We encourage you to check out the details on our eligibility criteria at http://www.ncsecu.org/join#eligibility for the most accurate and updated information. Once you see that you qualify, opening an account is just a click away! Visit us online at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu to begin your journey with State Employees'. Whether you're looking for a savings account, loans, or other financial services, we're here to help you every step of the way. Feel free to reach out at (828) 649-0146 if you have any questions. We can't wait to welcome you into our family at 4951 Ne Us 2570 Hwy Marshall Nc 28753!

Business Banking & Commercial Services

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.

Merchant Services That Work for You

In addition to loans, we offer merchant services tailored for your business operations. Picture this: a customer walks into your store, makes a purchase, and effortlessly pays using their card this is made possible by our reliable merchant services. Streamline your payment processes and enhance customer satisfaction with solutions that fit right into your daily operations. Visit us at 4951 Ne Us 2570 Hwy Marshall Nc 28753 in Marshall, NC or call us at (828) 649-0146 to discover how we can assist you on your journey toward success!

Comprehensive List Of Services

Accessing Your Funds

Need cash? Our ATM services provide easy access for withdrawals and balance checks whenever you need them. Plus, our drive-thru service allows for quick deposits and simple transactions without having to leave your vehicle. In every aspect of our service offering from personal banking to business solutions we strive to ensure that every member feels valued and supported. At State Employees', we're not just about transactions; we're about building relationships. If you're ready to experience all that we have to offer or have any questions about our services, don't hesitate to reach out! Call us at (828) 649-0146 or visit us online at Marshall. Let us help you take the next step towards financial success!

Business Banking Services

For entrepreneurs and small business owners, State Employees' provides comprehensive business banking solutions. Our merchant services can help streamline your transactions, while our business loans are structured to support your growth ambitions.

Digital Banking Features

We know convenience is key in today's fast-paced world. That's why we offer robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. Whether you want to check balances, transfer funds, or pay bills from the comfort of your home or on the go, we've got you covered. With features like mobile payments and electronic statements, accessing your finances has never been easier.

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that fit your lifestyle, making it easy to manage your money. If you're considering purchasing a new car, our auto loans and vehicle financing options can help you hit the road without breaking the bank. For those looking to buy a home or refinance their current mortgage, we have tailored mortgage loans that can provide you with favorable terms. Life can sometimes throw unexpected expenses your way. That's why we also offer personal loans and debt consolidation options to help you navigate through tough times without stress. And for everyday purchases, our credit cards come with rewards that make spending more rewarding.

Digital & Online Banking

Key Features

Our online banking platform, accessible at https://www.ncsecu.org/, offers a range of features designed for ease of use. You can check balances, transfer funds, and pay bills all in one place. Plus, if you're looking to keep track of your statements, our e-statements are available for quick viewing, reducing clutter while ensuring you have easy access to your financial history. For those who love mobile technology, our mobile application makes banking even more straightforward. You can make mobile payments securely with just a tap of your finger. Whether you're out shopping or dining with friends, managing your money has never been easier.

Security and Accessibility

Security is a top priority at State Employees'. Our electronic signature authorization feature allows you to sign documents digitally, giving you peace of mind knowing that your transactions are safe and secure. Additionally, our 24/7 online banking services ensure that you can access your accounts whenever it suits you best. While person-to-person transfers are not currently available, we're continually improving our offerings based on member feedback. We aim to provide services that meet your needs while keeping everything user-friendly. In summary, at State Employees', we're committed to making your banking experience convenient and secure through our comprehensive digital and online services. Join us today and enjoy the benefits of modern banking right at your fingertips!

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 are proud to share that our financial strength demonstrates our commitment to serving you with reliability and trust. 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 lending capacity supports your financial goals across various sectors with $193,516 in used auto loans and a total of $34,904,944,116 in loans and leases available. While our recent performance shows a net income of $0, reflecting our operational efficiency, 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 support. Furthermore, our net shares (funds available for lending and investments) stand at $574,556,810, with a strong member base reflected in the total share accounts of 5,850,875. This showcases the trust our members place in us to manage their finances 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 4951 Ne Us 2570 Hwy Marshall Nc 28753 or call (828) 649-0146 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

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 make it easy for you to drive away with competitive financing options that fit your budget.

Business Loans

If you're a business owner, our outstanding commercial loans provide the capital needed to grow and expand. Although there are currently no outstanding commercial loans, our services can adapt to help meet your business financing needs as they arise. At State Employees', we prioritize transparency and support throughout your borrowing experience. If you're considering refinancing any existing loans or want to explore eligibility options for our products, feel free to reach out to us at (828) 649-0146. We are here Monday through Friday from 8:30 AM to 5:30 PM. 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 offerings today and take the next step toward achieving your financial goals!

Credit Cards and Personal Loans

For those managing everyday expenses, 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. Our credit cards come with rewards and low-interest rates, making them an excellent choice for both everyday purchases and larger expenses.

Mortgage Options

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

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