State Employees' Credit Union Morehead City NC: Low Mortgage Rates & Auto Loans

Introduction

Welcome to State Employees' credit union, your trusted financial partner located at 5073 Executive Dr, Morehead City, NC 28557. Established in 1937, we have dedicated ourselves to serving our community with integrity and care for over 85 years. With a membership base of 2,847,943, we are proud to offer personalized services tailored to meet the unique needs of each member. At State Employees', we believe in empowering our members through robust financial solutions. Our total assets stand at an impressive $57,229,286,839, reflecting our commitment to stability and growth. Whether you're looking for a personal loan or aiming to save for your future, we have the resources to help you achieve your financial goals. We currently manage $7,866,265,767 in deposits and have extended over 1,194,630 loans and leases to our members. Under the leadership of CEO Leigh Brady and Board President Mona Moon, our team of 8,258 employees is here to assist you with everything from checking accounts to auto financing. We take pride in being an active part of the Morehead City community and strive to contribute positively through various initiatives. For any official correspondence, please send it to our mailing address: 5073 EXECUTIVE DR, MOREHEAD CITY, NC 28557. Our dedicated staff is available during lobby hours from 8:30 AM to 5:30 PM, ready to provide you with exceptional service. Feel free to reach us at (252) 247-6188 or visit our website at ncsecu.org for more information. Join us today and experience the difference that a community-focused credit union can make in your financial journey!

Branch History & Mission

Our Journey

Since opening our doors, State Employees' has grown significantly, now boasting a total membership of over 2,847,943 individuals. As part of the larger State Employees' Credit Union network headquartered in Raleigh, NC, we have continually adapted to meet the needs of our members while maintaining our core values of service and community support. Over the years, we have achieved remarkable milestones, including accumulating total assets of $57,229,286,839. This growth reflects not only our dedication to sound financial practices but also our commitment to providing valuable services that empower our members. Whether it's helping you secure an auto loan or offering robust online banking options, our goal is to make your financial experience as smooth as possible.

Our Mission

At State Employees', our mission is clear: to provide exceptional financial services while enhancing the well-being of our community. We believe that everyone deserves access to affordable banking solutions, which is why we offer a variety of products tailored to meet diverse needs from personal checking and savings accounts to loans for vehicles and homes. Our focus extends beyond just numbers; we are committed to building relationships with our members. We actively engage in community outreach initiatives and partnerships that strengthen the fabric of Morehead City. By supporting local events and organizations, we strive to create a positive impact on those we serve. While members can visit us at 5073 Executive Dr Morehead City Nc 28557, official correspondence should be sent to 5073 EXECUTIVE DR, MOREHEAD CITY, NC 28557 if it differs from our branch address. You can reach us at (252) 247-6188 during our operating hours from 8:30 AM to 5:30 PM, Monday through Friday. Our branch offers convenient ATM access and drive-thru banking services for your ease. As we continue this journey together, we invite you to join us at State Employees'. Experience firsthand how we can help you achieve your financial goals while being part of a supportive community that genuinely cares about its members. Together, let's build a brighter financial future!

Branch Location & Accessibility

Call to Action

Feel free to call us at 252-247-6188 if you have any questions or need assistance before your visit. We look forward to welcoming you soon at State Employees' in Morehead City! Come experience personalized service that puts you first!

Nearby Landmarks and Accessibility

Our branch is situated near several local landmarks, making it easy to find us. If you're in the area visiting the beautiful waterfront or enjoying some shopping, swing by and see how we can assist you with your banking needs. With ample parking available and features that ensure accessibility, including ADA-compliant ramps, we strive to make your visit comfortable and convenient.

Operating Hours and Services

We're open Monday through Friday from 8:30 AM to 5:30 PM, providing flexibility for your schedule. Our friendly staff is ready to assist you with a variety of services, including personal banking, auto loans, mortgage options, credit cards with rewards, and more. Plus, for those who prefer convenience on the go, we offer online and mobile banking options. For added convenience, our branch also features a drive-thru service for quick deposits and withdrawals. Need cash? Our ATM is readily available right outside the branch. While members can visit us at 5073 Executive Dr, official correspondence should be sent to 5073 EXECUTIVE DR, MOREHEAD CITY, NC 28557 if different from the branch address.

Member Eligibility

Becoming a member of State Employees' is like stepping into a warm community where your financial well-being is the priority. If you live, work, or attend school in North Carolina, you're likely eligible to join us! This includes family members of current members, which helps us create a supportive network for everyone involved. At State Employees', we offer a range of benefits designed to help you achieve your financial goals whether it's saving for the future, securing a loan for that dream car, or simply having access to friendly service at our branch located at 5073 Executive Dr Morehead City Nc 28557. To learn more about the specific eligibility criteria and get started on your membership journey, feel free to check out our detailed resource at http://www.ncsecu.org/join#eligibility. When you're ready to open an account, just visit this link: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (252) 247-6188. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Business Loan Options

Imagine having the funds to expand your operations, invest in new equipment, or even hire additional staff. 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

In today's fast-paced market, having reliable merchant services can make all the difference. Picture this: a customer walks into your store and makes a purchase seamlessly through various payment options. Our merchant services are designed to ensure that transactions are smooth and efficient, allowing you to focus on what truly matters growing your business. Located at 5073 Executive Dr Morehead City Nc 28557 in Morehead City, NC, we're here to partner with you every step of the way. Reach out at (252) 247-6188 to learn how we can support your business endeavors!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick access to cash? Our branch features an ATM for easy withdrawals and balance checks. For those who prefer face-to-face interactions but are short on time, our basic drive-thru banking offers quick deposits and simple transactions without needing to park and enter the building. At State Employees', we strive to create a welcoming environment where our members feel valued and supported. We invite you to visit us at 5073 Executive Dr Morehead City Nc 28557 in Morehead City, NC or give us a call at (252) 247-6188. Join us today and experience the difference in community-focused banking!

Business Banking Services

For our members who own businesses, we offer specialized Business Banking services. From Merchant Services that simplify transactions to Business Loans designed to support your growth, we are committed to helping local businesses thrive.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options that allow you to manage your accounts anytime, anywhere. With features like mobile payments and electronic statements, staying on top of your finances has never been easier.

Financial Support When You Need It

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services are here to help when those moments arise, making it easier for you to regain control of your finances. Plus, with our Credit Cards with Rewards, you can earn benefits while managing your everyday spending.

Personal Banking Solutions

We understand that everyone has unique financial goals. That's why we offer Personal Banking options such as checking and savings accounts tailored to fit your lifestyle. Need a new car? Our Auto Loans & Vehicle Financing services help get you on the road quickly with competitive rates and flexible terms. If you're thinking about buying a home, our Mortgage Loans & Refinancing options provide various pathways to homeownership, ensuring you find a plan that works for you.

Digital & Online Banking

Key Services

Our online banking platform provides a user-friendly experience where you can check balances, transfer funds, and pay bills with just a few clicks. Plus, if you prefer going paperless, our e-statements option lets you view your account statements online no more clutter or waiting for the mail. We also prioritize security with features like electronic signature authorization, so you can feel confident handling important transactions from home. For those who are always on the go, our mobile application is here to help. It's equipped with mobile payment options that allow you to make purchases directly from your phone. Whether you're grabbing coffee or shopping for groceries, paying has never been easier. If you need to send money to friends or family, our person-to-person transfer feature makes it simple although currently not available at State Employees', we're always looking to enhance our offerings based on member feedback. We invite you to explore all these convenient features and more through our website at https://www.ncsecu.org/. With everything designed for ease of use and real-time account management, banking with us is not just about transactions; it's about creating a relationship where your needs come first. Experience the future of banking today!

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. With robust financial metrics and a dedicated team, we strive to offer you the best in banking services. 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. 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. We prioritize our members over traditional banking practices. 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 $34,904,944,116 in total loans and leases. Our operational efficiency is reflected in our $2,145,244, which enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 7,729 full-time employees and 529 part-time employees who are always ready to assist you with their knowledge and commitment. Net Shares (Funds available for lending and investments): $574,556,810. Total Share Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. 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 5073 Executive Dr Morehead City Nc 28557 or call (252) 247-6188 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. Whether you're purchasing a brand-new model or a reliable used vehicle, we have financing solutions that fit your budget.

Credit Lines and More

In addition to these products, we provide access to total credit lines of $18,909,000,000. This flexibility can be crucial whether you're looking for personal financing or managing expenses as they arise. If you're considering refinancing or exploring eligibility options for any of these loan products, don't hesitate to reach out. Our knowledgeable team is here to answer your questions and assist you in finding the best solution for your financial needs. For more information about our loan offerings or to speak with one of our representatives directly, please call us at 252-247-6188. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're committed to helping you 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, making buying or refinancing simple. We guide you through the process to help make your dream of owning a home a reality.

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, our credit card options provide convenience and rewards that make everyday purchases easier.

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. With so many options available, having a reliable tool like LendMesh can save you both time and money. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This is based on the latest results, ensuring that you receive fair and transparent offers (Source: https://www.ncua.gov). By relying on verified data, LendMesh guarantees that all loan offers come from legitimate financial institutions, helping you make informed decisions. One of the standout features of LendMesh is its commitment to transparency. There are no sponsored listings; lenders are not prioritized based on paid promotions. Instead, the focus is solely on delivering unbiased results. Additionally, users benefit from real-time rate comparisons, allowing them to see up-to-date loan rates from multiple institutions in one place. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the genuine impact LendMesh can have on your financial choices. If you're ready to explore your options and find the best rates tailored to your needs, compare real-time loan offers today at LendMesh. 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.

STATE EMPLOYEES' CREDIT UNION - Morehead City, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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