State Employees' Credit Union New Bern NC: Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to State Employees' Credit Union, your trusted financial partner located at 201 Howell Rd, New Bern, NC 28562. Established in 1937, we have been proudly serving our community for over 85 years, providing exceptional banking services tailored to meet the needs of our members. With a robust membership base of 2,847,943 individuals, we are committed to fostering financial wellness and supporting local endeavors. At State Employees', we understand that your financial goals matter. That's why we offer a variety of products and services including personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our total assets exceed an impressive $57 billion, reflecting our stability and capacity to support your financial journey. We currently manage $7,866,265,767 in deposits and have issued a total of 1,194,630 loans to help our members achieve their dreams. Led by CEO Leigh Brady and Board President Mona Moon, our dedicated team is here to ensure you receive personalized service every time you visit or reach out. Whether you need assistance with online banking or have questions about our services, we're just a phone call away at 252-636-1818. While members can visit us at our branch location, official correspondence should be sent to the same address: 201 HOWELL RD, NEW BERN, NC 28562. If you're looking for more information about our offerings or want to explore membership eligibility, please check out our website at ncsecu.org. Join us today in making a positive impact on your financial future! Let's work together towards achieving your goals; stop by our branch or give us a call we're here for you!

Branch History & Mission

At State Employees', we take pride in our rich history and deep commitment to serving the community of New Bern, NC. Since opening our doors in 1937, we have grown from a small credit union into a trusted financial partner for over 2.8 million members across the state. Our branch, located at 201 Howell Rd, New Bern, NC 28562, has become a central hub for personal and business banking needs, providing essential services that empower our members to achieve their financial goals. Over the years, we've seen significant milestones that reflect our evolution and dedication. From humble beginnings to managing total assets of over $57 billion today, our journey has been marked by innovation and growth. We have continuously adapted to meet the changing needs of our members while staying true to our mission: to enhance the financial well-being of those we serve through quality service and education. Our mission is not just about banking; it's about community support and engagement. We strive to provide more than just financial products like checking accounts, auto loans, mortgages, and credit cards with rewards. Our goal is to foster a sense of belonging among our members and contribute positively to the communities in which we operate. Whether through partnerships with local organizations or outreach programs aimed at financial literacy, we are committed to making a difference in people's lives. While you can visit us at our branch on Howell Rd for all your banking needs, official correspondence should be sent to our mailing address at 201 HOWELL RD, NEW BERN, NC 28562. Our operating hours are convenient for busy lifestyles open Monday through Friday from 8:30 am to 5:30 pm making it easy for you to access essential services like drive-thru banking and ATM facilities. As technology continues to advance, we've embraced digital solutions that make banking easier for you. With options for online banking and mobile payments available, managing your finances has never been simpler or more accessible. We also ensure that all our facilities are ADA compliant so everyone can enjoy our services without barriers. At State Employees', we believe that being part of a credit union means more than just having a bank account; it means joining a family dedicated to supporting each other's growth. We invite you to become a member and experience firsthand the benefits of choosing a financial institution that truly cares about your success. Join us today! Visit our website or call us at 252-636-1818 to learn more about how we can help you achieve your financial dreams.

Branch Location & Accessibility

Welcome to State Employees' at 201 Howell Rd, New Bern, NC 28562! Our branch is conveniently situated in the heart of New Bern, making it easy for you to access all your banking needs. Whether you're visiting us for personal banking or to inquire about loans and services, we're here to help. For those who might need to send official documents, please note that our mailing address is also 201 Howell Rd, New Bern, NC 28562. Just a stone's throw from popular local spots, our location is not only easy to find but also offers ample parking and ADA-compliant access features like ramps to ensure everyone can visit us comfortably. Our friendly team is here Monday through Friday from 8:30 AM to 5:30 PM, ready to assist with everything from checking and savings accounts to auto loans and mortgage refinancing. If you're in a hurry, take advantage of our drive-thru banking services for quick deposits and withdrawals without leaving your car. Plus, with an ATM available on-site, you can access cash whenever you need it. We're committed to providing a welcoming environment where all members can feel at home. So whether you're stopping by for a quick transaction or exploring new financial options, we invite you to come see us. If you have any questions or need assistance before your visit, don't hesitate to call us at 252-636-1818. We look forward to serving you!

Member Eligibility

At State Employees', we believe in creating a welcoming community where everyone can thrive. If you're looking to join us, becoming a member is straightforward and inclusive. Our eligibility criteria are designed to ensure that individuals who live or work in certain areas, as well as their family members, can easily join our cooperative family. To find out if you qualify, simply check the details at http://www.ncsecu.org/join#eligibility. We're here to support you with a range of financial services tailored just for our members, including competitive rates on loans and personalized banking solutions. Opening your account at State Employees' is just a few clicks away! You can start your membership journey by visiting our account opening page at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, don't hesitate to reach out to us at (252) 636-1818. We're excited to welcome you into our community at 201 Howell Rd New Bern Nc 28562, where we prioritize your financial well-being and strive to help you achieve your goals!

Business Banking & Commercial Services

Business 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. - 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, our merchant services provide practical benefits for everyday operations. From payment processing solutions that make transactions easier for your customers to tools that help you manage cash flow effectively, we are here to simplify your banking experience. Located at 201 Howell Rd New Bern Nc 28562, New Bern, NC, our team is ready to partner with you on your journey toward success. Reach out at (252) 636-1818 during our operating hours from 8:30 am to 5:30 pm to learn how we can support your business goals.

Comprehensive List Of Services

Accessing Cash When You Need It

Need cash on the go? Our ATM services are available for quick withdrawals and balance checks. Additionally, our basic drive-thru banking allows you to handle deposits, withdrawals, and simple transactions without leaving your car. At State Employees', we believe that banking should be simple and supportive of your goals. Visit us at 201 Howell Rd New Bern Nc 28562 in New Bern, NC, or give us a call at (252) 636-1818 to learn more about how we can assist you with all your financial needs. We're excited to be part of your journey!

Embracing Digital Banking

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and even pay bills right from your smartphone or computer.

Personal Banking Made Easy

We understand that managing your finances is crucial, which is why we offer a variety of personal banking options. Whether you're looking to open a checking or savings account, our team is here to help you find the right fit for your lifestyle. For those considering a new vehicle, our auto loans and vehicle financing can get you behind the wheel without breaking the bank. Plus, if you're thinking about buying a home, our mortgage loans and refinancing options are designed to make your dreams a reality.

Rewarding Credit Options

With our credit cards featuring rewards programs, you can earn benefits on every purchase you make. Whether it's cashback or travel points, our credit cards add value to your spending.

Simplifying Debt Management

Life can be unpredictable, and sometimes debt can feel overwhelming. That's where our personal loans and debt consolidation services come in handy. We work with you to create a plan that fits your financial situation, helping you take control of your finances again.

Supporting Local Businesses

If you're a business owner, State Employees' offers tailored solutions for your banking needs as well. Our business banking services include merchant services and business loans designed to help your enterprise grow.

Digital & Online Banking

Key Services

Our online banking provides a variety of features that make managing your finances straightforward. You can view your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with 24/7 access to our online banking services, you're never far from your money. Need to sign documents? Our electronic signature authorization feature allows you to handle paperwork without any hassle. Say goodbye to printing and scanning; just sign digitally and you're done! For those who prefer paperless statements, we offer e-statements that you can access anytime. It's an eco-friendly choice that also helps you keep track of your finances easily.

Mobile Banking

Stay connected with our mobile application, available for download on most smartphones. With this app, you can take advantage of mobile payments making shopping easier than ever. Whether you're grabbing a coffee or making an online purchase, you can use your phone to pay securely. If you need to send money quickly, our person-to-person transfer feature makes it simple (though note that currently, this service is not available). At State Employees', we prioritize your security as much as convenience. Our online services are designed with strong security measures in place to protect your sensitive information. So whether you're checking your balance or making a transfer, you can feel confident knowing that your data is safe. Discover how easy managing your finances can be with our digital banking solutions at https://www.ncsecu.org/!

Financial Strength

Commitment to Service

Our operational efficiency is reflected in our $2,145,244, 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.

Growing Member Base

Our total share accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. This trust empowers us to maintain our strong community presence while continuing to enhance our service offerings. 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 201 Howell Rd New Bern Nc 28562 or call (252) 636-1818 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

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.

Reinvestment for Growth

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 members' financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases.

Solid Foundation

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.

Loan Offering

Additional Financing Options

For those looking for additional financing solutions, our total credit lines available amount to $18,909,000,000, ensuring you have access to funds whenever necessary. If you're considering refinancing any existing loans or exploring eligibility options, feel free to reach out to us at (252) 636-1818 for personalized assistance. Our commitment is to provide straightforward lending solutions tailored to your needs. Visit us at 201 Howell Rd New Bern Nc 28562 in New Bern, NC, or check out our website at https://www.ncsecu.org/ for more information on how we can support you financially. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 financing options to fit your budget and lifestyle. Whether you're interested in a new model or a reliable used vehicle, our team is here to assist you through the process.

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, allowing you to secure your dream home while keeping your finances manageable. Our mortgage specialists can help guide you through the eligibility process and find the right solution for your needs.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why 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 various benefits that make everyday purchases easier and more rewarding.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION - New Bern, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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