State Employees' Credit Union Old Fort NC: Low Mortgage Rates & Auto Loans

Introduction

Welcome to State Employees' Credit Union, your trusted financial partner located at 20 Main St, in the heart of Old Fort, NC 28762. Since our establishment in 1937, we have dedicated ourselves to serving our members and the community with integrity and care. With over 2.8 million members and a robust asset base of $57,229,286,839, we pride ourselves on being a reliable institution that prioritizes your financial well-being. At State Employees', we understand that life can bring both opportunities and challenges. That's why we offer a comprehensive range of services designed to meet your needs, from personal banking including checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Our commitment to you is evident in our total deposits of $7,866,265,767 and a solid net worth of $5,446,832,560, which underscores our stability and strength. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 20 MAIN ST, OLD FORT, NC 28762. Whether you're looking to take out a loan or open an account, we're here to assist you every step of the way. Our leadership team is equally committed to fostering a supportive environment for all members. Under the guidance of CEO Leigh Brady and Board President Mona Moon, we strive not just to meet your expectations but to exceed them. With a dedicated staff of 8,258 employees, we are ready to provide personalized service tailored just for you. If you're looking for a credit union that truly cares about its members and community impact, look no further than State Employees'. Connect with us today by calling (828) 668-7645 or visit our website at ncsecu.org to learn more about how we can help you achieve your financial goals!

Branch History & Mission

Community Commitment

In addition to providing essential financial services, we prioritize community outreach and partnerships. By actively engaging with local organizations and initiatives, we strive to uplift those around us. Our commitment extends beyond just banking; we aim to be a supportive partner in every member's journey toward financial well-being. If you're looking for a credit union that values service above all else, we invite you to join us at State Employees' Credit Union. Experience the difference of being part of a community-focused institution where your needs come first. For more information on how to become a member or to explore our range of services, please visit our website or give us a call at (828) 668-7645. Together, let's build a brighter financial future!

Our Mission

The mission of State Employees' Credit Union is straightforward yet powerful: to provide exceptional financial services while making a positive impact in our community. We believe that everyone deserves access to affordable financial products that cater to their needs. From checking and savings accounts to auto loans and mortgage refinancing, our offerings are designed with our members' best interests at heart. As we continue to adapt and grow, we embrace digital advancements that enhance your banking experience. Our online and mobile banking platforms allow for seamless transactions, ensuring that you can manage your finances anytime, anywhere. While we currently do not offer ATM services or drive-thru banking at this location, we're dedicated to maintaining accessibility for all members.

Branch Location & Accessibility

Convenient Access and Services

We understand that accessibility is essential for our members. Our branch is ADA compliant, making it easy for everyone to access our services. There's ample parking available nearby, so you won't have to worry about finding a spot when you visit us. Our operating hours are designed with your convenience in mind. We're open from 8:30 AM to 5:30 PM, Monday through Friday, allowing you plenty of time to take care of your banking needs. While we currently do not offer drive-thru banking or ATMs at this location, our friendly staff is always ready to assist you inside the branch.

Member-Centric Approach

At State Employees', we offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we're dedicated to helping you achieve your financial goals. Our team is here to provide guidance on mortgages and debt consolidation as well. If you have any questions or need assistance, don't hesitate to give us a call at 828-668-7645. We invite you to stop by our Old Fort branch and experience firsthand the personalized service that sets us apart. We look forward to seeing you soon!

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple! If you live, work, or attend school in our local area, you may be eligible to join us. We welcome individuals from all walks of life, ensuring that you have access to the financial services and support you need. To learn more about the specific eligibility requirements, feel free to check out our detailed guidelines at http://www.ncsecu.org/join#eligibility. Joining State Employees' not only provides you with a sense of belonging but also opens doors to a variety of financial products designed to help you achieve your goals. From checking and savings accounts to auto loans and credit cards, our offerings are tailored for your needs. Ready to take the first step? You can easily open an account by visiting us in person at 20 Main St Old Fort Nc 28762 or online at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions, don't hesitate to give us a call at (828) 668-7645 we're here to help!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing and enhance customer experiences. Imagine easily accepting payments from your customers whether in-person or online allowing you to focus more on growing your business instead of worrying about transactions. Our services help streamline your operations and improve cash flow, making it easier for you to manage your finances. Located conveniently at 20 Main St Old Fort Nc 28762, Old Fort, NC, our team is ready to assist you. Contact us at (828) 668-7645 to learn more about how our business banking services can empower your enterprise!

Tailored 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.

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our Business Banking services include essential offerings like Merchant Services & Business Loans, ensuring that your business has the financial support it needs to thrive.

Convenience at Your Fingertips

With no ATMs available at our branch, we still make it easy for you to access cash when needed through convenient cash withdrawal services. Our team is always ready to assist you during lobby hours from 8:30 AM to 5:30 PM on weekdays. At State Employees', we focus on providing services that not only meet but exceed member expectations. Whether you are managing personal finances or running a business, we have the tools and support necessary for success. Ready to get started? Give us a call at 828-668-7645 or visit us at 20 Main St, Old Fort, NC 28762. Explore all that we have to offer by checking out our website at ncsecu.org. Let us help you achieve your financial goals today!

Credit Solutions

For those looking to consolidate debt or cover unexpected expenses, our Personal Loans & Debt Consolidation services can help streamline your finances. Plus, with our Credit Cards with Rewards, you can earn points while making everyday purchases turning spending into savings!

Personal Banking

We understand that managing your finances can be challenging. That's why we offer Personal Banking solutions that include Checking & Savings Accounts designed to help you meet your everyday banking needs. You can easily access your accounts through our user-friendly Online & Mobile Banking platforms. This means you can check your balance, transfer funds, and pay bills anytime, anywhere. When it comes to financing big purchases like a car or home, our Auto Loans & Vehicle Financing options are here for you. We provide competitive rates and flexible terms that fit your budget. Additionally, if you're thinking about buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services make the process simple and stress-free.

Digital & Online Banking

E-Statements and Security

Say goodbye to paper clutter! Our e-statements are not only eco-friendly but also available at your fingertips. Plus, with electronic signature authorization, signing important documents is quick and secure no more printing or mailing required.

Mobile Banking Convenience

On the go? No problem! Our mobile application offers all the features you need right on your smartphone. From mobile payments to real-time account management, staying connected has never been easier. You can also enjoy the convenience of person-to-person transfers directly through our app, making it simple to send money to friends or family when they need it most. With these digital tools at your disposal, managing your finances feels effortless. We're committed to ensuring that your banking experience is as smooth as possible while keeping your information safe and sound. Explore all that State Employees' has to offer today!

Online Banking Services

Our 24/7 online banking services ensure that you can manage your accounts whenever it suits you. Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. You can start exploring these features at https://www.ncsecu.org/.

Financial Strength

A Growing Community

Total Share Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $574,556,810, further showcasing our commitment to responsible growth. 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 20 Main St Old Fort Nc 28762 or call (828) 668-7645 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.

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. Together, we work hard to provide personalized service tailored to meet your needs.

Member Savings Secured

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.

Reinvesting in Our Future

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. This means more options for you as you plan your financial future.

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 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.

Supporting Your Goals

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 available to help you achieve your dreams. While our $2,145,244 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

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 and competitive rates to ensure that financing your next vehicle is both easy and affordable.

Credit Lines and More

In addition to these offerings, we provide access to credit lines totaling $18,909,000,000 for those who need more flexibility with their finances. This option can help you manage unexpected expenses without the stress of high-interest rates. At State Employees', we believe in supporting our community by offering financial products tailored to meet diverse 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. If you're ready to take the next step toward achieving your financial goals or if you have any questions about our loan products, feel free to call us at 828-668-7645. We're here to help!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. We make buying or refinancing simple and straightforward. Our dedicated team is here to guide you through the process and answer any questions you may have about eligibility or refinancing options available.

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, our credit cards are designed to fit your lifestyle and spending habits. You can enjoy rewards while keeping your expenses in check.

Loan Aggregator

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How LendMesh Ensures 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 rigorous sourcing ensures that all loan offers are fair and transparent. Each institution featured in LendMesh's comparisons has been vetted to guarantee authenticity and compliance with industry regulations.

STATE EMPLOYEES' CREDIT UNION - Old Fort, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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