State Employees' Credit Union Ocean Isle Beach NC: Low Mortgage Rates & Auto Loans

Introduction

Welcome to State Employees' Credit Union, your trusted financial partner in the heart of Ocean Isle Beach, NC. Established in 1937, our credit union has grown alongside our community, proudly serving over 2.8 million members with a strong commitment to providing exceptional service and value. Located at 923 Seaside Rd SW, we invite you to experience a range of personalized banking solutions designed to meet your unique needs. At State Employees', we understand that financial decisions can be overwhelming. That's why we're dedicated to making banking accessible and straightforward. With total assets exceeding $57 billion and total deposits of $7.87 billion, we offer a robust foundation that ensures your money is safe and secure. Our focus on member satisfaction has allowed us to maintain a net worth of $5.45 billion and a cash reserve of $708 million, providing peace of mind as you navigate your financial journey. While members can visit us at 923 Seaside Rd SW, official correspondence should be sent to the same address for convenience. Our friendly staff, led by CEO Leigh Brady and Board President Mona Moon, are here to assist you with everything from personal banking and auto loans to mortgage options and business services. With more than 8,200 employees committed to serving our community, we take pride in offering personalized solutions that fit your lifestyle. Whether you're opening an account, applying for a loan, or simply seeking advice on financial matters, our team is ready to help you every step of the way. Explore what State Employees' Credit Union has to offer by visiting our website at ncsecu.org. Feel free to call us at 910-579-5500 during our operating hours from Monday through Friday, 8:30 AM to 5:30 PM. Join us today and discover how we can support your financial goals!

Branch History & Mission

A Commitment to Community

Our mission is simple yet profound: to provide exceptional financial services while supporting and uplifting our members and the community at large. We believe that everyone deserves access to reliable banking options that foster financial stability. Our offerings include personal banking services like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. We also cater to businesses with merchant services and business loans. As part of our commitment to serving our members better, we have embraced technology by offering online and mobile banking solutions. With features like electronic signature authentication and e-statements available, managing your finances has never been easier or more secure.

Building Connections

We understand that banking is about relationships. At State Employees', we pride ourselves on being more than just a financial institution; we are a part of the community fabric. Our team is dedicated to providing personalized service that meets the unique needs of every member. Whether you need assistance during lobby hours from Monday to Friday between 8:30 AM and 5:30 PM or prefer the convenience of our ATM services available at our branch you'll find us ready to help. While members can visit us at our branch address in Ocean Isle Beach for all their banking needs, official correspondence should be sent to our mailing address at 923 Seaside Rd Sw, Ocean Isle Beach, NC 28469.

Join Us!

As we continue this journey of growth and support for our members, we invite you to experience the benefits of being part of State Employees' Credit Union. Together, let's build a brighter financial future for you and your family. For more information or to become a member today, please call us at 910-579-5500 or visit our website at ncsecu.org. Your community bank is here for you!

Branch Location & Accessibility

Come Visit Us!

If you're looking for a trusted place to handle your banking needs while enjoying the beauty of Ocean Isle Beach, look no further than State Employees'. Feel free to give us a call at 910-579-5500 if you have any questions or need assistance. We can't wait to welcome you through our doors!

Nearby Landmarks and Accessibility

Our branch is situated near popular landmarks like the picturesque Ocean Isle Beach and several dining spots. Finding us is easy, and we offer ample parking right in front, making your visit hassle-free. We are committed to accessibility, with features such as ADA-compliant ramps to ensure everyone can visit us comfortably.

Operating Hours and Services

We're here for you Monday through Friday from 8:30 AM to 5:30 PM. Whether you need help with personal banking, auto loans, or mortgage options, our friendly team is ready to assist you. Plus, with our ATM available on-site and drive-thru banking for quick transactions like deposits and withdrawals, we've made it easier than ever to manage your finances.

Member Eligibility

At State Employees', we believe that becoming a member means joining a warm and supportive community that truly cares about your financial well-being. If you live, work, or worship in the area, you might be eligible to join us! We welcome individuals who are part of specific organizations or meet certain criteria outlined on our website. To learn more about these eligibility details, feel free to visit http://www.ncsecu.org/join#eligibility . Joining is simple and straightforward! You can open an account online by visiting our account opening page at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu . If you have any questions or would like assistance during the process, don't hesitate to give us a call at (910) 579-5500. We're here to help you every step of the way as you take this exciting step toward better banking with State Employees' at our branch located at 923 Seaside Rd Sw Ocean Isle Beach Nc 28469.

Business Banking & Commercial Services

Business Loans Tailored for Growth

Imagine having the financial flexibility to invest in new equipment, hire additional staff, or expand your operations. 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 Simplify Transactions

Running a business means managing countless transactions. Our merchant services simplify this process, allowing you to focus on what you do best serving your customers. From payment processing solutions to reporting tools, we offer services that help streamline your daily operations. Located at 923 Seaside Rd Sw Ocean Isle Beach Nc 28469 in Ocean Isle Beach, NC, our team is here to assist you. Reach out at (910) 579-5500 to learn more about how we can help elevate your business!

Comprehensive List Of Services

Business Banking Made Easy

If you're a business owner, you'll appreciate our comprehensive Business Banking services, which include merchant services and business loans tailored to support your entrepreneurial journey. We aim to simplify banking for small businesses so you can focus on what matters most growing your business.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds, all it takes is a few taps on your smartphone or clicks on your computer. Don't forget about our ATM & Cash Withdrawal Services, which give you easy access to cash when you need it.

Financial Support When You Need It

Life can throw unexpected challenges your way, and having access to funds during tough times is essential. Our Personal Loans & Debt Consolidation options are designed to help you manage expenses more effectively. Plus, our Credit Cards with Rewards not only provide purchasing power but also offer benefits that reward you for your spending.

Personal Banking Solutions

We understand that managing your finances can be overwhelming at times. That's why we offer Personal Banking services, including checking and savings accounts tailored to fit your lifestyle. Need to buy a car? Our Auto Loans & Vehicle Financing options come with competitive rates, making it easier for you to hit the road without breaking the bank. For those considering home ownership or refinancing, our Mortgage Loans & Refinancing solutions can help make your dreams a reality.

Simple Transactions Made Effortless

For those who prefer face-to-face interaction, our branch provides basic drive-thru banking services for quick deposits, withdrawals, and simple transactions. You can also utilize our ATMs for withdrawals and balance checks without stepping inside the branch. At State Employees', we are committed to providing excellent service and making banking accessible for everyone in the community. Whether you're just starting out or looking to expand your financial portfolio, we're here to assist you every step of the way. Ready to explore what we can do for you? Call us today at (910) 579-5500 or visit us in person at 923 Seaside Rd Sw Ocean Isle Beach Nc 28469 in Ocean Isle Beach, NC! Let's take the next step together toward achieving your financial goals!

Digital & Online Banking

Key Features

We offer a variety of features to enhance your banking experience. Enjoy the benefits of E-Statements, which provide a secure and environmentally friendly way to receive your account statements. Plus, with electronic signature authorization, signing documents has never been easier or safer. If you're always on the go, our mobile application allows you to make transactions right from your smartphone. You can also take advantage of mobile payments, making it simple to pay for purchases directly from your device. Although we currently do not offer person-to-person transfers, our online services keep growing to meet your needs. With 24/7 access through our online banking portal, you'll have real-time management of your finances at your fingertips. Overall, the digital and online banking services at State Employees' are designed with you in mind providing accessibility, ease-of-use, and robust security features so that managing your money is as convenient as possible. Experience the difference today!

Financial Strength

Commitment to Innovation

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 commitment to growth reflects in our ability to provide $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting your financial goals across various sectors.

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, further highlighting our dedication to supporting your needs. 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 923 Seaside Rd Sw Ocean Isle Beach Nc 28469 or call (910) 579-5500 to learn more about how we can help you achieve your financial goals.

Member-Centric 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. 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.

Operational Efficiency

Our operational efficiency is evident with a net income of $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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid 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 Information

If you're interested in any of these products or want to explore eligibility options further, don't hesitate to reach out. You can call us at 910-579-5500 or visit us at our branch located at 923 Seaside Rd Sw Ocean Isle Beach NC 28469. Our friendly staff is here to assist you during business hours from Monday to Friday between 8:30 AM and 5:30 PM. For performance insights and financial data regarding our offerings, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how our loan products can help you achieve your financial dreams 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. Whether you're looking for a dependable used vehicle or a brand-new model, we have financing options that can fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, making buying or refinancing simple. We also provide refinancing options for existing mortgages to help you take advantage of better rates and terms.

Unsecured Credit Card Loans

We recognize that managing finances effectively is crucial for our members. That's why we also offer flexible terms on unsecured credit card loans. With a total of $1,177,171,541 in loans available, you can use our cards for everyday purchases while enjoying competitive rates and no annual fees.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans