State Employees' Credit Union Morganton NC: Low Mortgage Rates & Business Banking

Introduction

At State Employees', we understand that financial well-being is at the heart of a thriving community. Located conveniently at 130 Carbon City Rd, Morganton, NC 28655, our branch is dedicated to providing personalized banking solutions tailored to your needs. Established in 1937, we have grown alongside our members, now proudly serving over 2.8 million individuals across North Carolina. With a robust asset base of $57,229,286,839 and total deposits reaching $7,866,265,767, we are committed to maintaining a secure and reliable banking environment. Our leadership team, headed by CEO Leigh Brady and Board President Mona Moon, ensures that every decision reflects our mission to serve you better. While members can visit us at our Morganton branch for all their banking needs, official correspondence should be sent to our mailing address: 130 CARBON CITY RD, MORGANTON, NC 28655. We invite you to explore our extensive range of services from checking and savings accounts to auto loans and business banking solutions all designed with your success in mind. With a total of 8,258 employees dedicated to your financial health and a net worth of $5,446,832,560, we are here to support you through every stage of life. Our branch also features convenient services like online banking and ATMs for easy access to your funds anytime. Ready to experience the difference? Call us today at 828-437-8234 or visit our website at ncsecu.org to learn more about how we can help you achieve your financial goals!

Branch History & Mission

Join Us

The journey of SECU is one of growth fueled by community spirit and shared values. As we look toward the future, we invite you to become part of this inspiring story. Experience the benefits of membership with State Employees' Credit Union today! Visit us or call at 828-437-8234 for more information about how we can help you achieve your financial goals. Together, let's build a brighter future!

Modern Convenience

In addition to traditional banking services, we've embraced modern advancements that enhance member experience. With features like online and mobile banking, electronic signatures, and ATM access available at our branch, managing your finances has never been easier. For those who prefer face-to-face interaction, we offer drive-thru banking for quick transactions without leaving your vehicle. While members can visit us at 130 Carbon City Rd., official correspondence should be sent to 130 CARBON CITY RD, MORGANTON, NC 28655 if different from our branch address.

Our Journey

SECU began with a vision: to provide financial stability and support to state employees and their families. Over the decades, our commitment has only strengthened. From humble beginnings, we've expanded our services to cater to diverse needs offering everything from personal banking accounts to auto loans, mortgages, and business financing solutions. As we grew, so did our impact on the community. Located just minutes away from local landmarks, our branch is easily accessible for all members. Whether you are visiting us for banking needs or simply stopping by for advice, our team is here to guide you every step of the way.

Our Mission

At SECU, our mission is clear: We are here to serve our members by providing affordable financial services while promoting economic well-being in our communities. We believe in putting people before profits and ensuring that everyone has access to the resources they need for a secure financial future. Our commitment extends beyond just banking; we actively participate in community outreach programs that aim to uplift those around us. Whether it's through educational workshops or local partnerships, we strive to make a real difference in Morganton and beyond.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

You can find us just a stone's throw away from popular landmarks like the Morganton Community House and the serene Catawba River. Our branch features ample parking spaces and is fully accessible, ensuring that everyone can easily reach us. We take pride in providing ADA-compliant facilities, including ramps and designated parking spots for individuals with disabilities.

Get in Touch!

If you're looking for reliable banking solutions in Morganton, we invite you to visit us at our State Employees' branch or give us a call at 828-437-8234. We look forward to welcoming you!

Operating Hours and Services

We are open Monday through Friday from 8:30 AM to 5:30 PM, giving you plenty of time to drop by after work or during lunch breaks. With our drive-thru banking option available, you can quickly handle deposits and withdrawals without having to leave your vehicle. Plus, our ATM services are accessible around the clock for your convenience. At State Employees', we offer a wide array of services tailored to meet your needs from personal checking and savings accounts to auto loans and credit cards with rewards. Our friendly team is here to assist you with any questions about mortgages or debt consolidation as well.

Member Eligibility

Becoming a member of State Employees' is like joining a close-knit family where everyone supports each other. If you live, work, or worship in the area, you're likely already eligible to enjoy all the benefits we offer! Membership is open to individuals who meet certain criteria, including being a state employee or an immediate family member of an existing member. This inclusive approach makes it easy for you to join our community and access fantastic financial products tailored just for you. To learn more about specific eligibility details, feel free to check out this link: http://www.ncsecu.org/join#eligibility . Once you're ready to take the next step toward membership, opening an account is simple! You can get started online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu , or if you prefer, give us a call at (828) 437-8234. Our friendly team is here to help guide you through the process and answer any questions you might have. We can't wait to welcome you into our State Employees' family at 130 Carbon City Rd Morganton Nc 28655!

Business Banking & Commercial Services

Real-World Merchant Services

Imagine running your retail shop and needing a quick way to process payments. Our merchant services offer you just that easy payment processing solutions that simplify transactions and enhance customer experience. From credit card processing to point-of-sale systems, we provide the tools you need to keep your operations running smoothly. Visit us at 130 Carbon City Rd Morganton Nc 28655, Morganton, NC, or call us at (828) 437-8234 to learn how our business banking and commercial services can help turn your vision into reality!

Tailored 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. Additionally, 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.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, our business banking services include merchant services and business loans designed to help you grow. Your success is important to us, so we ensure that our offerings cater specifically to the needs of local businesses.

Convenient Access Points

We understand that convenience matters. That's why we offer ATM and cash withdrawal services, ensuring that access to your money is just around the corner whether you're at home or on the go. Our drive-thru banking provides an easy way for members to handle deposits, withdrawals, and simple transactions without leaving their vehicles. At State Employees', we prioritize making banking accessible and straightforward for everyone in Morganton and beyond. With a commitment to exceptional service and innovative solutions, we invite you to experience everything we have to offer. For more information about any of these services or how we can assist you further, feel free to reach out at 828-437-8234 or visit us online at ncsecu.org. Join us today in experiencing financial services made simple!

Credit Options for Every Need

We also provide personal loans and debt consolidation solutions. Life can throw unexpected expenses your way, but with our support, you can tackle them head-on without stress. Our credit cards with rewards add extra value to your purchases, allowing you to earn while you spend.

Personal Banking Solutions

When it comes to personal banking, we know that everyone has unique needs. That's why we offer checking and savings accounts that fit various lifestyles. Imagine easily accessing your funds through our online and mobile banking options. With just a few taps on your smartphone, you can check balances, make transfers, and even pay bills without ever stepping foot in a branch. For those considering a new vehicle, our auto loans and vehicle financing options can help you hit the road in no time. Picture driving off in your dream car while enjoying competitive rates and flexible terms tailored just for you. If homeownership is on your horizon, explore our mortgage loans and refinancing services. We understand that purchasing a home is one of the biggest decisions you'll make, which is why we're here to guide you through every step of the process.

Digital & Online Banking

Easy Transactions

Need to send money quickly? While we currently don't offer person-to-person transfers, our other services ensure that managing your finances remains straightforward and efficient. From setting up automatic bill payments to checking recent transactions, every feature is designed with ease of use in mind. With State Employees', you have all the tools necessary for real-time account management right at your fingertips. Explore our online banking services today and see how easy it is to take control of your financial life!

Key Services

Our online banking services are available 24/7 at https://www.ncsecu.org/ , ensuring you can check balances, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, our mobile application allows you to manage your accounts right from your smartphone. Plus, with features like electronic signature authorization, you can complete transactions securely without the hassle of paperwork.

Security and Convenience

We take your security seriously. Our online banking platform includes robust security measures to protect your personal information and transactions. You can feel confident knowing that your data is safe while you enjoy the convenience of e-statements and mobile payments. Switching to electronic statements not only helps you stay organized but also contributes to a more sustainable future by reducing paper waste.

Financial Strength

Growing Member Base

Total Share 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 total $574,556,810, reflecting our commitment to maximizing value for our members. 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 130 Carbon City Rd Morganton Nc 28655 or call (828) 437-8234 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.

Operational Efficiency

Our operational 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 who are dedicated to serving you with knowledge and care.

Reinvesting in Our Members

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 is strong as evidenced by the $193,516 in used auto loans and $34,904,944,116 in total loans and leases. This allows us to support your financial goals across various sectors.

Secure 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' needs. 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.

Strong Net Worth

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 commitment to your financial well-being is backed by a net worth ratio of $971, which demonstrates our robust capital position. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Offerings

For those interested in business financing, we have various options available as well. Our commercial loans provide capital needed for growth and expansion although currently there are no outstanding commercial loans available at this time. If you're considering refinancing any existing loans or want to explore eligibility options for any of our loan products, please don't hesitate to reach out. You can contact us at (828) 437-8234 for personalized assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At State Employees', we prioritize transparency and strive to empower our members with all necessary information to make informed decisions regarding their financial futures.

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 financing a new or used vehicle, our loan specialists are here to guide you through the process and help you find an option that fits your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, providing you with affordable paths to owning your own home. Our team can assist you with all the details and help determine eligibility so you can focus on finding the right property.

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 cards come with rewards and benefits that can enhance your purchasing power while keeping your expenses manageable.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION - Morganton, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans