Nc State Employee Credit Union

In the welcoming community of Oak Ridge, the State Employees' Credit Union branch at 2047 Oak Ridge Rd is your trusted partner for personalized financial solutions. Whether you’re looking to secure some of the best auto loans with flexible vehicle financing or streamline your personal banking with convenient checking and savings accounts, this branch delivers friendly, expert service tailored to your goals. Open Monday through Friday from 8:30 AM to 5:30 PM, members also enjoy hassle-free drive-thru banking and an onsite ATM for quick cash withdrawals and balance inquiries.
Serving nearly 2.85 million members statewide with assets exceeding $57 billion, this Oak Ridge location stands out for competitive mortgage loans and refinancing options designed to make homeownership more accessible. Local businesses benefit from specialized merchant services and business loans crafted to support growth. Plus, secure online and mobile banking platforms allow you to manage your finances anytime, anywhere with ease.
Visit the State Employees’ Credit Union branch at 2047 Oak Ridge Rd or call 336-643-1633 today to experience community-focused service. Discover how our signature auto loans and comprehensive personal banking solutions can help you confidently navigate your financial future!

Type of Loan Offerings

mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10-Year Fixed Rate
5.3 - 5.5 %
5.518 - 5.719 %
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
5-Year ARM
5.5 - 6.15 %
5.591 - 6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
15-Year Fixed Rate
5.5 - 5.8 %
5.654 - 5.955 %
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
First-Time Homebuyer's (5-Year ARM)
6.15 %
6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed Rate
6.2 - 6.75 %
6.325 - 6.878 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed Rate
6.5 %
6.596 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share-secured
3.1 - 6.75 %
2 - 10 Yrs
Share-secured term note
6.5 %
0.5 Yrs
Closed-end fixed rate
9.25 - 12.75 %
2 - 6 Yrs
Signature term note
11.75 %
0.5 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
5 % - 7.5 %
3 Yrs
Auto
5.25 % - 7.75 %
4 Yrs
Auto
5.5 % - 8 %
5 Yrs
Auto
5.75 % - 8.25 %
6 Yrs
Auto
6.5 % - 9 %
7 Yrs
Auto
7.25 % - 9.75 %
8 Yrs

Introduction

At State Employees' Credit Union, we believe that financial well-being is within everyone's reach. Established in 1937, our Oak Ridge branch, located at 2047 Oak Ridge Rd, Oak Ridge, NC 27310, has been a pillar of support for our community, helping nearly 2.8 million members achieve their financial goals. With total assets exceeding $57 billion and deposits over $7.8 billion, we are committed to providing you with robust financial solutions tailored to your needs. Led by our dedicated CEO, Leigh Brady, and Board President, Mona Moon, we pride ourselves on transparency and trust. Our team of approximately 8,258 employees is always ready to assist you, whether you're looking for personal banking services, auto loans, or mortgage options. Our goal is to empower you through exceptional service and competitive rates. While members can visit us at the above address for all their banking needs, official correspondence should be sent to the same location: 2047 OAK RIDGE RD, OAK RIDGE, NC 27310. As a member-focused institution, we have made significant strides in ensuring that our services meet the evolving needs of our community. With total loans amounting to 1,194,630 and a net worth of over $5.4 billion, you can trust that your financial health is in good hands with us. Join us today at www.ncsecu.org or give us a call at 336-643-1633. We're here to help you navigate your financial journey with confidence!

Branch History & Mission

Community Engagement

Beyond banking services, we take pride in actively engaging with our local community. Our outreach efforts include partnerships with various organizations and participation in events that uplift those around us. We believe that supporting our neighbors enriches everyone's lives and strengthens the fabric of our community.

Modern Banking Solutions

In today's fast-paced world, we recognize the importance of digital advancements. At State Employees', we offer online and mobile banking solutions that make managing your finances easier than ever. With features like electronic signatures and mobile payments available, convenience is at your fingertips.

Our Mission

The mission of State Employees' is simple yet powerful: we strive to provide exceptional financial services while fostering a strong sense of community. We believe in empowering our members through accessible banking options, including personal accounts, auto loans, mortgage services, and credit cards with rewards. Our goal is not just to meet your financial needs but also to help you achieve your dreams. We understand that each member's journey is unique, which is why we offer personalized service tailored to individual circumstances. Whether you're looking to open a checking account or explore loan options, our team is here to guide you every step of the way.

Visit Us Today!

Our doors are open Monday through Friday from 8:30 AM to 5:30 PM, ready to welcome you into a space where your financial well-being is our priority. We also provide ATM access and drive-thru banking for added convenience. While members can visit us at 2047 Oak Ridge Rd for all their banking needs, official correspondence should be sent to 2047 OAK RIDGE RD, OAK RIDGE, NC 27310 if different from the branch address. Join us today at State Employees' and experience firsthand how we can support your financial journey while strengthening our community together. For more information or to become a member, call us at 336-643-1633 or visit our website at ncsecu.org.

Branch Location & Accessibility

Call-to-Action

Ready to experience friendly service and convenient banking? We invite you to visit us at our Oak Ridge branch or give us a call at 336-643-1633. Let's make managing your finances easier together!

Operating Hours & Services

We're here for you Monday through Friday from 8:30 AM to 5:30 PM. Our dedicated staff is ready to assist you with a variety of services including checking and savings accounts, auto loans, mortgage options, and more. Additionally, our drive-thru service makes it easy for you to handle deposits and withdrawals without having to leave your vehicle. At State Employees', we're proud to offer a full range of banking services tailored to fit your lifestyle. From personal loans and credit cards with rewards to business banking solutions, we're here to support all your financial needs.

Our Location

Our branch is easily accessible with ample parking available right outside. Whether you're visiting us for personal banking or exploring loan options, you'll find our facility welcoming and user-friendly. For those who may need assistance, we are committed to ensuring that our space meets ADA compliance standards, featuring ramps and other accessibility features. While members can visit us at 2047 Oak Ridge Rd, official correspondence should be sent to the same address. If you're looking for a quick transaction or to withdraw cash, we have an ATM available on-site for your convenience.

Member Eligibility

At State Employees', we believe that becoming a member is like joining a warm and welcoming family where your financial goals are supported every step of the way. If you're looking to join us at our branch located at 2047 Oak Ridge Rd Oak Ridge Nc 27310, you'll be pleased to know that membership is open to those who live, work, or worship in specific areas of North Carolina. We also welcome family members of existing members, making it easier for you to share the benefits of our community-focused services. To explore all the details about who can become a member, feel free to check out our eligibility criteria here. Opening an account with us is simple! You can start the process online by visiting our account opening page at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (336) 643-1633 if you have any questions or need assistance. Joining State Employees' means gaining access to a variety of financial products and services designed with your needs in mind, so take the first step today and experience the difference!

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. This funding allows local entrepreneurs to invest in inventory, expand operations, or hire new staff crucial steps toward realizing their vision.

Merchant Services

In addition to loans, we offer merchant services designed to simplify transactions for your business. Imagine a bustling café at 2047 Oak Ridge Rd Oak Ridge Nc 27310 where customers can effortlessly pay with cards or mobile wallets. With our reliable payment processing solutions, you can focus on what truly matters serving your customers and growing your brand. For non-members, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to various needs. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses throughout Oak Ridge, NC. Partner with us at State Employees', where your business aspirations become reality!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash or want to make a quick deposit? We have an ATM & Cash Withdrawal Service available right at your fingertips. Additionally, our basic Drive-Thru Banking offers quick access for deposits, withdrawals, and simple transactions without leaving your vehicle. At State Employees', we pride ourselves on being more than just a credit union; we are a community partner committed to helping our members thrive financially. If you're ready to explore these services further or have any questions, don't hesitate to reach out! You can call us at (336) 643-1633, visit us at 2047 Oak Ridge Rd Oak Ridge Nc 27310, or check out more information on our website here. Join us today in building a stronger financial future together!

Business Banking

For entrepreneurs and business owners, we provide robust Business Banking services including Merchant Services & Business Loans. These tools are designed to help you manage cash flow efficiently while enabling your business to grow.

Credit Cards

Looking for flexibility in your spending? Our Credit Cards with Rewards offer not just purchasing power but also rewards that fit your lifestyle, whether it's cash back on groceries or points toward travel.

Loans and Financing

When it comes to financing, we provide several options tailored just for you. If you're thinking about buying a new car, our Auto Loans & Vehicle Financing can help get you on the road quickly and affordably. For those dreaming of homeownership, our Mortgage Loans & Refinancing services are here to guide you every step of the way. Plus, if you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation solutions can give you the relief you need.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. With online banking, paying bills and transferring funds is just a click away. Our mobile app lets you check balances and even deposit checks directly from your phone.

Personal Banking

Whether you're looking to manage your day-to-day finances or save for future goals, our Personal Banking options have you covered. We offer various Checking & Savings Accounts designed for different lifestyles, making it easy for you to choose what fits best. Imagine being able to set up automatic transfers from your checking account into a savings account it's a simple way to watch your savings grow over time.

Digital & Online Banking

Key Features

Our online banking platform provides a user-friendly experience. You can view your account balances, transfer funds, and pay bills without stepping foot in a branch. Plus, our mobile application makes it even more convenient to bank on the go. Whether you're at home or out and about, managing your money is just a tap away. Security is our top priority. With electronic signature authorization available, signing documents online is quick and safe. You can also opt for e-statements, helping you keep track of your finances while reducing paper clutter. If you enjoy making purchases with ease, our mobile payments feature allows you to pay directly from your phone. Unfortunately, we currently do not support person-to-person transfers, but we're continually looking for ways to enhance your banking experience. With all these tools at your disposal, you can manage your accounts in real-time, ensuring you're always on top of your financial health. Visit us today at https://www.ncsecu.org/ to learn more about how our digital and online banking services can simplify your life!

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. Our commitment to maintaining strong financial health ensures that you can trust us with your financial needs. With a net worth of $5,446,832,560, we maintain robust 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. 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 profits; unlike traditional banks, we focus on benefiting you through better loan rates 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 reflects 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 ready to assist you with knowledgeable service. Net Shares (funds available for lending and investments) stand at $574,556,810, while the total number of share accounts has reached 5,850,875, showcasing 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 2047 Oak Ridge Rd Oak Ridge Nc 27310 or call (336) 643-1633 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 Loan Products

In addition to auto and mortgage loans, we provide various types of credit lines totaling $18,909,000,000, ensuring that you have the necessary funds for unexpected expenses or planned purchases. If you're considering refinancing any existing loans or exploring eligibility options for our products, our team is ready to assist you. At State Employees' Credit Union in Oak Ridge, NC, we pride ourselves on delivering personalized service tailored to your specific financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what type of loan you're looking for or what questions you may have regarding refinancing options or eligibility criteria our dedicated staff is here to help guide you through every step of the process. Visit us today or call us at 336-643-1633; let's work together toward achieving your financial goals!

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 make it easy to secure financing that fits your budget and lifestyle.

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 understand that purchasing a home is a significant step and are here to provide support throughout the process.

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 cards come with competitive rates and rewards that can benefit you as you navigate daily expenses.

Loan Aggregator

Ensuring Accurate 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 commitment to sourcing ensures that users receive fair and transparent offers.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Take control of your financial future today. Compare real-time loan offers 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.*

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