Nc State Employee Credit Union

In the heart of Monroe, the State Employees' Credit Union branch at 1790 Dickerson Blvd is proud to serve as your friendly neighborhood financial partner. Whether you’re ready to secure some of the best auto loans with flexible vehicle financing or looking to simplify your personal banking through checking and savings accounts tailored to your needs, this branch offers expert guidance with a community-first approach. Open Monday through Friday from 8:30 AM to 5:30 PM, members enjoy convenient drive-thru banking and an onsite ATM for quick cash withdrawals and balance inquiries.
With nearly 2.85 million members statewide and assets surpassing $57 billion, this Monroe location also stands out for competitive mortgage loans and refinancing options designed to help you achieve homeownership sooner. Local businesses can benefit from specialized merchant services and business loans crafted to fuel growth. Plus, secure online and mobile banking platforms make managing your finances effortless anytime, anywhere.
Visit the State Employees’ Credit Union branch at 1790 Dickerson Blvd or call 704-283-1541 today to experience personalized service rooted in community values. Discover how our signature auto loans and comprehensive personal banking solutions can empower you on your financial journey!

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' in Monroe, NC! Located at 1790 Dickerson Blvd, our branch has been serving the community since 1937. With a strong commitment to our members, we pride ourselves on providing reliable financial services tailored to meet your needs. Whether you're looking for personal banking options, auto loans, or business solutions, our knowledgeable team is here to help you every step of the way. As part of our commitment to transparency and community service, we are proud to share that we currently have over 2.8 million members and manage total assets exceeding $57 billion. Our dedication is reflected in our impressive financial stability, with total deposits around $7.9 billion and a net worth of approximately $5.4 billion. Under the leadership of CEO Leigh Brady and Board President Mona Moon, we strive to create a welcoming environment where everyone feels valued. Our dedicated staff of 8,258 employees is eager to assist you with any financial questions or needs you may have. For your convenience, while members can visit us at 1790 Dickerson Blvd, official correspondence should be sent to the same address. If you need assistance or want to learn more about how we can support your financial goals, don't hesitate to reach out! Call us at 704-283-1541, or explore our website at ncsecu.org for additional information. Join us today and experience the difference that comes from being part of a credit union dedicated to its members and their success!

Branch History & Mission

Community Focus

Our roots are firmly planted in the heart of Monroe. We take pride in being involved with local initiatives and partnerships that uplift our community. From sponsoring local events to offering financial literacy programs, we aim to give back and support those around us. While members can visit us at 1790 Dickerson Blvd Monroe Nc 28110, official correspondence should be sent to 1790 DICKERSON BLVD, MONROE, NC 28110 if it's different from our physical location. We invite you to reach out anytime at (704) 283-1541 during our operating hours of 8:30 AM to 5:30 PM, Monday through Friday. Join us at State Employees' where you're more than just an account number; you're part of a family committed to your success. Experience the benefits of membership today!

Our Mission

At State Employees', our mission is clear: to provide accessible financial services while supporting the well-being of our community. We believe in empowering our members with the tools they need to achieve their financial goals, whether that's opening a savings account, securing an auto loan, or planning for retirement. Our commitment goes beyond transactions; we strive to make a meaningful difference in the lives of those we serve. We understand that every member is unique. That's why we offer personalized banking options, including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our digital advancements ensure that you can manage your finances conveniently through online and mobile banking, while our drive-thru service and ATM availability provide added convenience for those on the go.

Branch Location & Accessibility

Accessibility and Amenities

Finding us is a breeze! Our location features ample parking for all members, ensuring that your visit is hassle-free. If you require assistance, our facility is designed with ADA compliance in mind, offering easy access for everyone. Plus, we have a drive-thru service available for those who prefer to bank from their vehicles. While you can reach us directly at our branch address, please note that official correspondence should be sent to the same address: 1790 DICKERSON BLVD, MONROE, NC 28110.

Call to Action

Ready to experience personalized banking? We invite you to visit us today at our Monroe branch or give us a call at 704-283-1541. Our friendly team looks forward to assisting you with all your banking needs!

Operating Hours

We understand that life can get busy, which is why we offer flexible operating hours. Our lobby is open from 8:30 AM to 5:30 PM, Monday through Friday. This allows you plenty of time throughout the week to come in and discuss your financial goals or manage your accounts.

Services Offered

At State Employees', we provide a variety of services designed with your needs in mind. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we aim to support your financial journey every step of the way. Need cash? Our ATM is available for quick withdrawals and balance checks whenever you need it.

Member Eligibility

At State Employees', we believe that everyone deserves a supportive community, and becoming a member is your first step towards joining ours! If you live, work, or worship in the area or have a family member who is already a member, you might be eligible to open an account with us. We're here to help guide you through the process and ensure that your experience is both welcoming and straightforward. To learn more about the specific eligibility criteria, please check out our detailed information at http://www.ncsecu.org/join#eligibility. Once you're ready to take the next step, opening an account is easy! You can start this journey online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or if you prefer to speak with someone directly, feel free to call us at (704) 283-1541. Our team at State Employees', located at 1790 Dickerson Blvd Monroe Nc 28110, looks forward to welcoming you into our family and providing you with valuable financial services tailored just for you.

Business Banking & Commercial Services

Financing Your 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 Matter

In today's fast-paced world, having reliable merchant services is crucial. Imagine a local café smoothly processing payments while offering customers options like mobile payments. That's the kind of support we provide at State Employees'. Our merchant services help businesses streamline transactions, manage cash flow effectively, and focus on what really matters growing their operations. If you're ready to take your business to the next level, visit us at 1790 Dickerson Blvd Monroe Nc 28110 in Monroe, NC or give us a call at (704) 283-1541. Together, let's build your success story!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, our business banking services, including merchant services and business loans, are designed to support your growth. We recognize the unique challenges faced by businesses today and are dedicated to helping you succeed.

Credit Options

Managing debt can be challenging, but our personal loans and debt consolidation options provide solutions tailored to your situation. Our goal is to help simplify your finances so you can focus on what matters most. Our credit cards with rewards allow you to earn while you spend. Enjoy benefits that suit your lifestyle, whether it's travel perks, cash back, or discounts at your favorite stores.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts from anywhere at any time. Check balances, transfer funds, and pay bills with just a few taps on your smartphone. For those times when cash is needed quickly, our ATM and cash withdrawal services ensure you're never far from access. Plus, with basic drive-thru banking available for deposits and withdrawals, completing transactions has never been easier.

Personal Banking Solutions

When it comes to personal finance, we have you covered. Our checking and savings accounts are designed with your lifestyle in mind, offering flexibility and easy access to your funds. Whether you need to make everyday purchases or save for a special occasion, our accounts can help you stay on track. If you're thinking about purchasing a new vehicle or refinancing your current one, look no further than our auto loans and vehicle financing options. We offer competitive rates that can fit any budget, making it easier for you to hit the road without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services are here to guide you through the process. We understand that this is a significant step in your financial journey, and our team is ready to support you every step of the way.

Visit Us Today!

Located at 1790 Dickerson Blvd Monroe Nc 28110, we're here during convenient hours from 8:30 AM to 5:30 PM on weekdays. For any questions or more information about how we can assist you with your financial needs, please don't hesitate to reach out at (704) 283-1541. Join us at Monroe, where we strive not just to meet but exceed your expectations!

Digital & Online Banking

In today's fast-paced world, convenience and security are more important than ever when it comes to managing your finances. At State Employees', we understand this need and have tailored our digital and online banking services to make your banking experience as smooth and secure as possible. Our online banking platform, accessible at https://www.ncsecu.org/, offers a variety of features designed to help you manage your money anytime, anywhere. With 24/7 online banking services, you can check balances, transfer funds, and pay bills with just a few clicks. No more waiting in line or rushing to the bank before closing time your financial information is always at your fingertips. For those who prefer using their mobile devices, our user-friendly mobile application makes banking even easier. You can access all the same great features on the go, including mobile payments that allow you to make purchases directly from your phone. Plus, with electronic signature authorization available, signing documents has never been simpler or more secure. We also offer e-statements so you can keep track of your account activity without the clutter of paper statements. You can view your transactions in real-time, ensuring you always know where your money is going. This is just one way we aim to provide transparency and ease in managing your finances. While person-to-person transfers aren't available at this time, our other digital offerings ensure you're equipped for most of your banking needs without stepping foot outside. Whether you're depositing a check through our app or setting up automatic payments for bills, State Employees' is committed to keeping your financial life organized and hassle-free. Experience the freedom and security of digital banking with us today! Visit https://www.ncsecu.org/ to get started and take control of your finances like never before.

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. Our commitment to providing you with trustworthy financial services is reflected in our strong performance metrics, which demonstrate our reliability and capacity to serve your needs. With a net worth of $5,446,832,560, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further highlighted by our net worth ratio of $971, assuring you that we have the capital necessary to continue providing loans and competitive savings rates even in uncertain economic times. Members' savings are secure at State Employees', as evidenced by our impressive holdings of $13,895,511,732 in share certificates and $15,232,786,618 in money market shares. These options provide stable and rewarding growth opportunities for your hard-earned money. Unlike traditional banks, we prioritize our members' interests. With non-member deposits at $0, our resources are dedicated to benefiting you through better loan rates, lower fees, and exclusive perks designed just for our valued members. Our strength is also reflected in the $133,577,509 we have accumulated. These earnings allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures that serve you better every day. We understand that your financial goals may include purchasing a vehicle or investing in new opportunities. That's why we proudly offer $193,516 in used auto loans and support a total of $34,904,944,116 in loans and leases across various sectors to help you achieve your dreams. Our operational efficiency is evident in our $0, enabling us to continue offering competitive loan rates and solid financial products tailored to meet your needs. We also take pride in having 7,729 full-time employees and 529 part-time employees dedicated to providing knowledgeable service at all times. With net shares available for lending and investments totaling $574,556,810, along with a growing member base reflected in our 5,850,875, it's clear that State Employees' is 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 1790 Dickerson Blvd Monroe Nc 28110 or call (704) 283-1541 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

Additional Financing Options

In addition to these offerings, our total credit lines amount to $18,909,000,000, providing even more opportunities for our members to secure funding when they need it most. If you're considering refinancing your existing loans or exploring eligibility options for any of our products, our knowledgeable staff is here to assist you every step of the way. Feel free to reach out to us at (704) 283-1541 for more information about any of our loan products or if you would like assistance with your application. You can also visit us at 1790 Dickerson Blvd Monroe Nc 28110 in Monroe, NC during our operating hours 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. Let's work together towards achieving your financial dreams!

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 vehicle, we have financing solutions that can fit your budget.

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 understand that purchasing a home is one of the biggest investments you'll make, which is why we aim to provide clear and straightforward terms for all our mortgage products.

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. These credit cards come with competitive rates and rewards that can help you make the most out of your spending.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. By using LendMesh, you can easily navigate the complex world of loans to find options that suit your needs. Loan data on LendMesh is sourced 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 accuracy ensures that all offers presented are fair and transparent. Each lender's data is verified, which adds a layer of reliability to your loan comparison experience. One of the standout features of LendMesh is its focus on Verified Data. Loan offers are sourced only from legitimate financial institutions, making sure you have access to trustworthy information. Additionally, there are No Sponsored Listings LendMesh does not prioritize lenders based on paid promotions. This means that the results you see are completely unbiased and focused solely on what's best for you. Another benefit is Real-Time Rate Comparisons. The platform continuously updates loan rates from multiple institutions, allowing you to make informed decisions without delay. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. For those ready to start comparing loans, visit LendMesh today to find the best rates tailored to your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.