Type of Loan Offerings
Mortgage Loans
Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
Personal Loans
Vehicle Loans
Introduction
Welcome to State Employees', your trusted financial partner located at 221 Enola Rd, Morganton, NC 28655. Established in 1937, our credit union has grown into a vital resource for the community, proudly serving over 2.8 million members. With total assets exceeding $57 billion, we are dedicated to providing reliable financial services tailored to your needs. At State Employees', we understand that banking is about more than just numbers; it's about building relationships and supporting our members in achieving their financial goals. Whether you're looking for checking and savings accounts, auto loans, or business banking solutions, our team is here to help you every step of the way. Under the leadership of CEO Leigh Brady and Board President Mona Moon, we strive to create a welcoming environment where your financial well-being comes first. While members can visit us at our branch on Enola Road, official correspondence should be sent to our mailing address at 221 ENOLA RD, MORGANTON, NC 28655. With a commitment to excellence, we maintain a strong foundation with total deposits of $7.9 billion and a net worth of $5.4 billion. Our friendly staff of over 8,258 employees is ready to assist you during our operating hours from 8:30 AM to 5:30 PM, Monday through Friday. Join us today and discover how State Employees' can help you navigate your financial journey with confidence. For more information or to get started, please call us at 828-437-9008 or visit our website at ncsecu.org. We look forward to welcoming you into our family!
Branch History & Mission
Community Engagement
We understand that being a part of the community means more than just being a financial institution; it involves giving back and making a positive impact. Our partnerships with local organizations and outreach efforts are designed to uplift those around us. We believe in creating opportunities for everyone and ensuring that no one is left behind. As you explore your financial options, consider joining State Employees' Credit Union today! Experience the benefits of being part of an organization that truly cares about its members and community. Reach out to us at 828-437-9008 or visit our website at ncsecu.org to learn more about how we can help you achieve your financial goals. Together, let's build a brighter future!
Our Mission
The mission of State Employees' Credit Union is clear: we strive to enhance the financial well-being of our members while actively supporting the communities we serve. Our commitment goes beyond just offering financial products; we aim to foster lasting relationships and provide guidance tailored to each member's unique needs. Whether it's helping families secure their first home or assisting small businesses with financing options, we are here every step of the way. While members can visit us at our branch location in Morganton, official correspondence should be sent to our mailing address: 221 ENOLA RD, MORGANTON, NC 28655. We invite you to take advantage of our drive-thru banking services and ATM availability for your convenience.
Branch Location & Accessibility
Welcome to State Employees' at 221 Enola Rd in beautiful Morganton, NC! Our location is designed with your convenience in mind, making it easy for you to manage your finances. Just a stone's throw away from popular local spots, we're nestled in a vibrant part of the city that makes it simple for you to pop in and get the services you need. If you're looking for us, you'll find our branch easily accessible with ample parking available right outside. We take pride in ensuring that everyone can visit us comfortably, so rest assured that our facilities are ADA compliant, featuring ramps and other accessibility features. Our lobby hours are invitingly set from 8:30 AM to 5:30 PM, Monday through Friday, giving you plenty of time to stop by after work or during your lunch break. If you're on the go, take advantage of our drive-thru banking option for quick deposits and withdrawals without leaving your vehicle. Plus, we have an ATM on-site for those who prefer cash transactions. While members can visit us at 221 Enola Rd Morganton Nc 28655, official correspondence should be sent to 221 ENOLA RD, MORGANTON, NC 28655 for any necessary paperwork. If you have any questions or need assistance, don't hesitate to give us a call at (828) 437-9008. We look forward to welcoming you at State Employees' your trusted partner in personal banking!
Member Eligibility
Becoming a member of State Employees' is like joining a close-knit family that truly cares about your financial well-being. If you live, work, or worship in the area, or are a family member of an existing member, you're already on the right path! This welcoming community is designed to support you with various financial services tailored to your needs. For more specific details on eligibility requirements, feel free to check out our resource at http://www.ncsecu.org/join#eligibility. Opening an account is straightforward and can be done online just visit https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu to get started. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (828) 437-9008. We're here to help you every step of the way as you join us at State Employees', located at 221 Enola Rd Morganton Nc 28655, where we look forward to serving you!
Business Banking & Commercial Services
Lending Solutions Tailored for You
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 Make Life Easier
Imagine being able to process payments seamlessly while focusing on what you do best running your business. Our merchant services provide reliable payment processing options that help you accept various forms of payment, ensuring you never miss a sale. From credit card transactions to online payments, we offer the tools you need to keep your operations running smoothly. Located at 221 Enola Rd Morganton Nc 28655, Morganton, NC, our team is ready to partner with you on your journey toward success. Contact us today at (828) 437-9008 and let's discuss how we can help your business thrive!
Comprehensive List Of Services
Business Banking Services
For local entrepreneurs and businesses, we offer specialized services such as merchant services to help streamline payment processing and business loans tailored to fuel growth. At State Employees', we're here to partner with you in achieving your business goals.
Convenient Access Points
We know convenience is key in today's busy world. That's why we provide essential ATM services for quick cash withdrawals and balance checks without any hassle. Our basic drive-thru banking allows you to complete deposits and simple transactions from the comfort of your car. As a member-focused credit union, we prioritize making banking easy and accessible for everyone in our community. Our team is always ready to assist you with personalized service that puts your needs first. Ready to explore how we can support your financial journey? Visit us at 221 Enola Rd Morganton Nc 28655, call us at (828) 437-9008, or check out our website at Morganton - Enola Road for more information about our services. We look forward to serving you!
Loans Made Easy
If you're considering a new car or dreaming of owning a home, our auto loans and vehicle financing options make it simple to get behind the wheel without breaking the bank. For those ready to take the plunge into homeownership or refinance an existing mortgage, our competitive mortgage loans provide flexible terms to fit your budget. Need some extra cash for a big purchase? Our personal loans and options for debt consolidation help you regain control over your finances with manageable payments. Plus, our credit cards with rewards allow you to earn benefits on everyday purchases, making each swipe count.
Personal Banking Solutions
We understand that managing your finances can sometimes feel overwhelming. That's why we offer checking and savings accounts that are straightforward and easy to use. You can access your accounts through our user-friendly online and mobile banking platforms, allowing you to check balances, make transfers, and manage your money anytime and anywhere.
Digital & Online Banking
Always Accessible Banking
At State Employees', we believe in providing 24/7 online banking services so that you're never out of touch with your finances. Whether it's day or night, you can log in to view your transactions or check account activity whenever it suits you. Our focus on security means that all your information is protected while you enjoy the freedom of banking digitally. In today's fast-paced world, having reliable online banking options is essential. We're proud to offer tools that make managing your money easier and more efficient than ever before. Experience the convenience and peace of mind that comes with digital banking at State Employees'!
Key Features of Our Online Banking Services
With our robust online banking platform, available at https://www.ncsecu.org/, you can easily check your account balances, pay bills, and transfer money all with just a few clicks. Need to sign important documents? No problem! Our electronic signature authorization makes it simple and secure to handle paperwork without ever leaving your couch. Plus, you can opt for e-statements to keep track of your finances in a paperless way. For those who are always on the move, our mobile application is here to help. Available for download, it lets you manage your accounts right from your smartphone. You can even make mobile payments quickly and securely, ensuring that your transactions are both fast and safe. While we currently do not offer person-to-person transfers, there are plenty of other ways to send money within our platform.
Financial Strength
Committed Team
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. Your experience matters to us, and our staff is dedicated to helping you navigate your financial journey.
Growing Member Base
With a total of 5,850,875 share accounts, we have built a strong and growing member base that trusts us with their finances. Our strength lies not just in numbers but also in the relationships we foster within our community. 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 221 Enola Rd Morganton Nc 28655 or call (828) 437-9008 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.*
Member-Centric Approach
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. This commitment allows us to reinvest in innovative banking tools and enhanced security measures to serve our members better with $133,577,509 in undivided earnings.
Robust Lending Capacity
Our lending capacity supports members' financial goals across various sectors. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we are here to assist you with the financing you need for your next vehicle or personal project. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.
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. We prioritize your savings by focusing on maximizing your returns while keeping your money safe.
Strong 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 $971 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
Additional Offerings
In addition to these popular loan types, we have various credit line options totaling $18,909,000,000 available for those who need extra flexibility. Whether it's for emergencies or planned expenses, having access to credit can be beneficial. If you're interested in any of these products or would like more information about our refinancing options, please don't hesitate to reach out. You can contact us at (828) 437-9008, visit us at 221 Enola Rd Morganton Nc 28655, or explore our website at https://www.ncsecu.org/ for details on how to apply. 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 here to help you navigate your financial journey!
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 provide financing options for both new and used vehicles, ensuring that you can find the right fit for your budget. Plus, if you're considering refinancing your current auto loan, ask us about our eligibility options!
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 guide you through every step of the process to ensure you understand your choices and find a mortgage that suits your needs.
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 are designed to provide convenience and purchasing power without requiring collateral.
Loan Aggregator
Benefits of Using LendMesh
- Verified Data: All loan offers are sourced from legitimate financial institutions. This means you can trust that what you see is genuine and reliable. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This allows you to make decisions based purely on what suits your needs best, without hidden influences. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed choices quickly. The platform constantly refreshes its data to reflect any changes in the lending market. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials illustrate the platform's effectiveness in delivering value to borrowers. Compare real-time loan offers today at LendMesh and find the best rates for 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.
How LendMesh Ensures Accurate Loan Comparisons
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 ensures that all offers presented are fair and transparent. Each listing reflects current rates and terms, giving users an accurate snapshot of available options.