State Employees' Credit Union Oxford NC: Affordable Auto Loans & Top Checking

Introduction

Welcome to State Employees' Credit Union in beautiful Oxford, NC, where your financial well-being is our top priority! Established in 1937, we have grown into a trusted community partner for over 2.8 million members, proudly serving you from our location at 800 Roxboro Rd, Oxford, NC 27565. With total assets amounting to an impressive $57.2 billion and total deposits reaching $7.9 billion, we are committed to providing exceptional services that cater to your needs. At State Employees', we understand that every member's journey is unique. That's why we offer a variety of services, including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our dedicated team of 8,258 employees, led by CEO Leigh Brady and Board President Mona Moon, works tirelessly to ensure you receive personalized support and financial guidance every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 800 Roxboro Rd, Oxford, NC 27565. With total loans of around 1,194,630, we aim to empower you with the resources you need to achieve your financial goals. We invite you to explore the benefits of membership today! For more information or assistance, please don't hesitate to call us at 919-690-0556 or visit our website at ncsecu.org. Let's work together towards a brighter financial future!

Branch History & Mission

State Employees' Credit Union (SECU) has been a cornerstone of financial support in Oxford, NC, since its inception in 1937. Located at 800 Roxboro Rd, our branch has grown alongside the community, evolving from a modest financial institution into a major player in the local economy. Over the years, we have proudly served a robust membership of over 2.8 million members and managed total assets exceeding $57 billion. Our mission at SECU is simple yet powerful: to provide our members with affordable financial services while fostering community growth and well-being. We believe that when our members thrive, so does our community. This commitment goes beyond just banking; it's about building lasting relationships and empowering individuals to achieve their financial goals. At SECU, we understand the importance of accessibility and convenience. Our branch offers operating hours from 8:30 AM to 5:30 PM on weekdays, ensuring that you can reach us when you need assistance. Whether you're visiting us for personal banking needs or taking advantage of our ATM and drive-thru services, we're here to make your experience as smooth as possible. As part of our dedication to innovation, we've embraced technology to enhance your banking experience. From online banking and mobile payments to e-statements and electronic signatures, we ensure that our services are both modern and user-friendly. We strive to be compliant with ADA standards so that everyone can access our facilities and services without barriers. In addition to providing essential financial products like checking accounts, auto loans, mortgages, and credit cards, we take pride in our outreach efforts within the Oxford community. We partner with local organizations to support various initiatives aimed at improving education, health, and economic development. While you can visit us at our branch location on Roxboro Rd for all your banking needs, official correspondence should be sent to our mailing address: 800 ROXBORO RD, OXFORD, NC 27565. We invite you to join SECU today and discover how we can help you with your financial journey. Experience firsthand the benefits of being part of a credit union that truly cares about its members and the community it serves. For more information or to become a member, please call us at 919-690-0556 or visit our website at ncsecu.org. Together, let's build a brighter future!

Branch Location & Accessibility

Get in Touch

If you have questions or need assistance, feel free to reach out to us at 919-690-0556. Our dedicated team is ready to help you with whatever you need. We invite you to stop by and see how we can support your financial journey today!

Nearby Landmarks and Accessibility

Located near local favorites and essential services, our branch is just a short drive from the vibrant downtown area of Oxford. With ample parking available right outside our doors, getting in and out is quick and easy. We are proud to be ADA compliant, ensuring that everyone can access our facilities without any hassle.

Services Offered

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 mortgage refinancing, we're here to help you every step of the way. Need cash? We have an ATM on-site for your convenience. Plus, if you're looking for quick transactions or assistance with deposits and withdrawals, our drive-thru banking service has got you covered.

Member Eligibility

Becoming a member of State Employees' is like opening the door to a welcoming community that truly cares about your financial well-being. If you're in North Carolina and work for the state, or if you have family members who do, you're already on your way to joining us! We also extend membership to those who live, work, or worship in our local area. It's all about building connections and supporting one another. Plus, being a member means you gain access to a range of personalized services designed just for you, including competitive rates on loans and savings. Getting started is easy! Just swing by our location at 800 Roxboro Rd Oxford Nc 27565, or give us a call at (919) 690-0556 for more information. If you'd like to learn more about the specific eligibility requirements, feel free to check out this resource: http://www.ncsecu.org/join#eligibility. When you're ready to open an account, visit us at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having the tools you need to process payments quickly and efficiently, allowing you to focus on what truly matters growing your business. Our merchant services enable seamless transactions for your customers while offering valuable insights into sales trends and customer behaviors. This means more time for you to innovate and less time worrying about payment processing. Visit us at 800 Roxboro Rd Oxford Nc 27565, Oxford, NC, or give us a call at (919) 690-0556 to learn how we can partner with you on your journey to success.

Supporting Business Growth

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

ATM & Cash Withdrawal Services

We also understand the importance of accessibility. Our ATM services ensure that you can withdraw cash or check your balance without hassle whenever you need it. Additionally, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. At State Employees', located at 800 Roxboro Rd Oxford Nc 27565, we are committed to providing all these services with exceptional member support. Have questions? Feel free to reach out at (919) 690-0556 during our operating hours from 8:30 AM to 5:30 PM. We invite you to explore how our comprehensive list of services can benefit you today! For more information about joining us or opening an account, please visit our website. We look forward to serving you!

Business Banking

Running a business is no small feat, which is why we offer specialized business banking services. From merchant services that make transactions easy to business loans that can fuel your growth, we provide resources that help you focus on what matters most your business.

Digital Banking

In today's fast-paced world, having access to your finances at any time is essential. That's where our online and mobile banking features shine. With just a few taps on your smartphone or clicks on your computer, you can manage accounts, pay bills, and transfer funds easily from anywhere.

Personal Banking

Our personal banking services include checking and savings accounts tailored for convenience and growth. Need a loan? Our auto loans and vehicle financing options can help you get behind the wheel of your dream car without breaking the bank. If you're considering purchasing a home, our mortgage loans and refinancing options can guide you through the process smoothly. For those looking to consolidate debt or tackle unexpected expenses, our personal loans offer flexible solutions. Plus, with credit cards that come with rewards, you can earn benefits while making everyday purchases.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly, allowing you to check balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, our mobile application provides a seamless experience right from your smartphone. Plus, if you prefer paperless communication, you can easily enroll in e-statements to receive your account statements electronically. This not only helps the environment but also keeps your information secure and organized. Security is a top priority at State Employees'. We use electronic signature authorization for transactions, giving you peace of mind when signing documents online. Our mobile payments feature allows you to make purchases quickly and securely using your phone, ensuring that your financial information stays protected.

Real-Time Management

Need to send money to a friend or family member? While we currently don't offer person-to-person transfers, our other features allow for quick fund management without any hassle. You can easily manage your accounts in real-time, making it easier than ever to keep track of your finances. With all these features combined, digital banking at State Employees' is about making life easier for you. Experience the convenience of managing your money with just a few taps or clicks because we believe that banking should fit into your lifestyle, not the other way around. Explore more about our services at https://www.ncsecu.org/ and take control of your finances today!

Financial Strength

Commitment to Growth and 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 ability to provide support is evident through our $193,516 in used auto loans and $34,904,944,116 in total loans and leases, which help our members achieve their financial goals across various sectors.

Member Trust

With a total of 5,850,875 share accounts, we have built 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 illustrating our capacity to support your financial aspirations. 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 800 Roxboro Rd Oxford Nc 27565 or call (919) 690-0556 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $2,145,244. This enables 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.

Secure 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.

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.

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 financing options for both new and used vehicles to fit your budget. Plus, if you're considering refinancing your current auto loan for better terms or lower rates, we're here to guide you through that process as well.

Financial Insights

We pride ourselves on transparency and reliability. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. This information helps us ensure that we continue to provide valuable services that meet the evolving needs of our members. If you have any questions about our loan offerings or need assistance determining which option is right for you, feel free to reach out to us at 919-690-0556 during our operating hours from 8:30 AM to 5:30 PM. Let us help you navigate your financial journey with confidence!

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 aim to make the home loan process straightforward and accessible for our members. Whether you're a first-time buyer or looking to refinance an existing mortgage for better rates or terms, our team is ready to assist you every step of the way.

Unsecured Credit Card Loans

Managing daily expenses can be challenging. That's 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 tailored to your spending habits and lifestyle needs.

Loan Aggregator

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 users receive fair and transparent offers. By relying on verified financial institutions, LendMesh offers a level of accuracy that helps borrowers make informed choices.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, enhancing trust and transparency. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. Our focus remains on delivering unbiased results for users. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, which aids in making well-informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today 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.*

STATE EMPLOYEES' CREDIT UNION - Oxford, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in Oxford, NC (27565)