State Employees' Credit Union New Bern NC: Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to State Employees' Credit Union, your trusted partner in financial wellness located at 3001 Elizabeth Ave, New Bern, NC 28562. Since our establishment in 1937, we have been dedicated to serving the financial needs of our community with care and expertise. With a proud membership of over 2.8 million individuals, we are committed to providing personalized service that empowers you to achieve your financial goals. At State Employees', we understand the importance of making your money work for you. Our total assets exceed an impressive $57 billion, showcasing our strength and stability. We take pride in offering a wide range of services including personal banking, auto loans, mortgage options, and business banking solutions tailored to meet your unique needs. As of now, our total deposits stand at $7.87 billion, reflecting the trust our members place in us. Our leadership team is headed by CEO Leigh Brady and Board President Mona Moon, who both share a commitment to fostering community growth and ensuring that every member's experience is positive and enriching. With a dedicated staff of 8,258 employees, we're here to assist you in navigating your financial journey. While members can visit us at 3001 Elizabeth Ave, official correspondence should be sent to the same address for your convenience. Whether you're looking for help with loans or simply want to ask questions about your account, don't hesitate to reach out! Call us at 252-638-3641 during our lobby hours from 8:30 AM to 5:30 PM on weekdays. Join us today and discover how State Employees' Credit Union can make a difference in your life! For more information on memberships or services, feel free to visit our website at ncsecu.org. Your financial success starts here!

Branch History & Mission

Community Focus

We understand the importance of being there for our members when they need us most. That's why we offer various services including personal banking, auto loans, mortgage refinancing, and credit cards with rewards. With convenient ATM availability and a drive-thru service, accessing your funds has never been easier. Our commitment extends beyond transactions; it's about creating lasting relationships within the New Bern area. In addition to our core offerings, we continually seek ways to enhance accessibility. Our digital advancements ensure that banking is seamless whether you're visiting us in person or online through our website at https://www.ncsecu.org/.

Join Us Today!

As we look toward the future, we invite you to join the State Employees' family. Experience firsthand how we can help you achieve your financial dreams while making a positive impact in your community. Whether you're looking for personal banking solutions or simply want to learn more about what we offer, feel free to reach out at (252) 638-3641 or visit us during our operating hours: Monday through Friday from 8:30 AM to 5:30 PM. Together, let's build a brighter tomorrow!

Mission Statement

At State Employees', we believe in more than just banking; we are committed to building stronger communities. Our mission is centered on providing exceptional financial services while supporting local initiatives that uplift those around us. We strive to be not only a resource for your banking needs but also an active participant in community growth and development. While you can visit us at 3001 Elizabeth Ave, any official correspondence should be sent to the same address as there is no separate mailing address.

Our Story

Founded in a spirit of service, State Employees' emerged to provide accessible financial solutions tailored for everyone in our community. Through the years, we have celebrated key milestones that reflect our dedication and resilience. From expanding our services to adopting new technologies that enhance customer experiences, each step has been guided by our mission: to empower members with tools that help them achieve their financial goals while fostering a sense of belonging and support.

Branch Location & Accessibility

Welcome to State Employees' located at 3001 Elizabeth Ave, New Bern, NC 28562. Our branch is conveniently situated in the heart of New Bern, just a stone's throw away from popular local spots like the historic Tryon Palace and the scenic Neuse River waterfront. This prime location makes it easy for you to stop by while running errands or enjoying a day out. At our branch, you'll find ample parking to ensure your visit is hassle-free. We take pride in providing accessible services for all members, with features that meet ADA compliance standards. Whether you're here for a quick transaction or need assistance with a more complex banking service, our friendly staff is ready to help. We're open Monday through Friday from 8:30 AM to 5:30 PM, allowing you plenty of time to come in and take care of your financial needs. If you prefer convenience, we offer a drive-thru service for quick deposits and withdrawals without leaving your vehicle. Plus, our ATM is available on-site for easy cash access whenever you need it. While members can visit us at 3001 Elizabeth Ave, official correspondence should be sent to the same address as well. If you have any questions or need assistance, don't hesitate to call us at 252-638-3641. We invite you to come by and discover how State Employees' can assist you with personal banking, auto loans, mortgage services, and more! We look forward to welcoming you soon!

Member Eligibility

Becoming a member of State Employees' feels like joining a close-knit family where your financial well-being is our top priority. If you're interested in membership, you'll be glad to know that eligibility is open to individuals who work for or are retired from certain organizations, as well as their family members. This means if you're part of the community, you likely qualify! To get all the details on who can join and what's required, check out our eligibility criteria at http://www.ncsecu.org/join#eligibility. Once you've confirmed your eligibility, opening an account is a breeze! You can start your journey with us by visiting this link: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. We're here to support you every step of the way, so if you have any questions or need assistance, don't hesitate to reach out at (252) 638-3641. Join us at State Employees', located at 3001 Elizabeth Ave New Bern Nc 28562, and experience the benefits of being part of a cooperative that truly cares about its members!

Business Banking & Commercial Services

Commercial 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. For those outside our membership, 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 addition to loans, we offer merchant services designed to make transactions easier for your business. Imagine having the ability to accept payments quickly and securely, helping you improve customer satisfaction and streamline your operations. Our services are built with your needs in mind, allowing you to focus on what matters most growing your business. Whether you're looking for funding or convenient payment solutions, State Employees' is here for you. Visit us at 3001 Elizabeth Ave New Bern Nc 28562 or give us a call at (252) 638-3641 to learn more about how we can support your business goals!

Comprehensive List Of Services

ATM & Drive-Thru Services

For those quick transactions, our ATM services ensure you have access to cash when needed without any hassle. Additionally, our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car perfect for busy days! At State Employees', we are committed to providing accessible financial services that make life simpler for our members. Whether you're visiting us in person or using our digital platforms, we're here to support you every step of the way. We invite you to visit us at 3001 Elizabeth Ave in New Bern or call us at 252-638-3641 for any questions about how we can help meet your financial needs today!

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans that cater specifically to the needs of entrepreneurs. Whether you're starting a new venture or expanding an existing one, we're here to support your growth.

Credit Cards

For those who love rewards, our credit cards are designed with you in mind! Enjoy cashback on everyday purchases and build up points that can be redeemed for exciting rewards. It's a great way to earn while you spend!

Loans and Financing

Need a new vehicle? Our auto loans and vehicle financing options make it simple for you to get behind the wheel without breaking the bank. We also offer mortgage loans and refinancing solutions that help you secure your dream home or lower your current mortgage payments. If life throws unexpected expenses your way, our personal loans for debt consolidation can help streamline your finances into manageable payments.

Online & Mobile Banking

In today's fast-paced world, having control over your finances anytime is essential. That's why we offer robust online and mobile banking platforms that allow you to handle all your banking needs from wherever you are. With features like mobile payments and e-statements, managing your accounts has never been easier.

Personal Banking

Whether you're looking to open a checking or savings account, we have personal banking options designed for every lifestyle. Our checking accounts come with no monthly fees and offer easy access through online and mobile banking. Imagine being able to manage your money on-the-go, whether you're making deposits, checking balances, or transferring funds all from the convenience of your smartphone.

Digital & Online Banking

24/7 Accessibility

With 24/7 online banking services, you have the power to manage your accounts anytime you need. Whether it's early in the morning or late at night, you'll always have access to your financial information right at your fingertips. At State Employees', we believe that banking should be accessible and straightforward. Explore our digital banking options today and experience how easy it is to stay on top of your finances!

Key Services Offered

With our online banking platform available at https://www.ncsecu.org/, you can easily check your account balances, transfer funds, and pay bills all from the comfort of your own device. Enjoy peace of mind knowing that our services are protected with top-notch security measures. Need to sign a document quickly? Our electronic signature authorization feature lets you complete transactions without the hassle of printing or mailing forms. Plus, you can opt for e-statements to keep track of your financial activity without cluttering your mailbox. For those who prefer banking on their smartphones, our mobile application is designed to make banking even easier. You can make mobile payments securely and send money directly to friends or family ideal for splitting bills or sharing expenses though please note that person-to-person transfers aren't currently available.

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 committed to maintaining a strong financial foundation so you can trust us with your savings and loans. 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. 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 is robust with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, which support our members' financial goals across various sectors. Our $2,145,244 reflects our operational efficiency, 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $574,556,810. Total Share and Deposit 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 3001 Elizabeth Ave New Bern Nc 28562 or call (252) 638-3641 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 Options

For those considering other financing needs, our range of services includes personal loans for debt consolidation and various credit lines amounting to $18,909,000,000. If you're interested in refinancing options or checking your eligibility, visit us online or give us a call at (252) 638-3641 for more information. 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 invite you to explore all our loan products at 3001 Elizabeth Ave New Bern Nc 28562, New Bern, NC, and find the right fit for your financial journey today!

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 flexible terms to suit your budget, making it easier than ever to drive home in a vehicle you love.

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. Whether you are a first-time buyer or looking to refinance your current mortgage, our team is ready to assist you every step of the way.

Unsecured Credit Cards

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. Enjoy the convenience of cashless transactions along with competitive interest rates and rewards programs tailored for your spending habits.

Loan Aggregator

Benefits of Using LendMesh

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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 lender's information is regularly updated to reflect current rates and terms, so users are always getting the most accurate data.

STATE EMPLOYEES' CREDIT UNION - New Bern, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in New Bern, NC (28562)