Nc State Employee Credit Union

In the welcoming town of Raeford, the State Employees' Credit Union branch at 1108 Fayetteville Rd stands as a trusted financial partner dedicated to supporting your goals. Whether you’re looking to take advantage of some of the best auto loans with flexible vehicle financing or simplify your personal banking through convenient checking and savings accounts, this branch provides friendly, knowledgeable service tailored just for you. Open weekdays from 8:30 AM to 5:30 PM, members enjoy easy access to drive-thru banking and an onsite ATM for quick cash withdrawals and balance checks.
Serving nearly 2.85 million members statewide with assets exceeding $57 billion, this Raeford location also offers competitive mortgage loans and refinancing options designed to make homeownership more attainable. Local businesses benefit from merchant services and business loans crafted to fuel growth. Plus, secure online and mobile banking platforms let you manage your finances anytime, anywhere with ease.
Visit the State Employees’ Credit Union branch at 1108 Fayetteville Rd or call 910-875-4100 today to experience personalized service rooted in community values. Discover how our signature auto loans and comprehensive personal banking solutions can help you confidently drive toward 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

Welcome to State Employees' Credit Union, your trusted financial partner located at 1108 Fayetteville Rd, Raeford, NC 28376. Since our establishment in 1937, we have proudly served our community, growing to a robust membership of over 2.8 million members. Our commitment to providing exceptional service is reflected in our impressive total assets of $57.23 billion and total deposits amounting to $7.87 billion. At State Employees', we understand that banking is more than just transactions; it's about building relationships and supporting our members through life's financial journey. Whether you're looking for a new vehicle loan, personal banking options, or mortgage solutions, we're here to help you every step of the way. With a dedicated team of over 8,200 employees, led by our CEO, Leigh Brady, and Board President, Mona Moon, we are committed to your financial success. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be directed to our mailing address: 1108 FAYETTEVILLE RD, RAEFORD, NC 28376. Join the thousands of satisfied members who have entrusted us with their financial goals. For inquiries or assistance, don't hesitate to reach out to us at 910-875-4100. We invite you to explore more about our services on our website at www.ncsecu.org. Your journey toward financial well-being begins here!

Branch History & Mission

Join Us

As we continue this journey together with our valued members, we invite you to become part of the State Employees' Credit Union family. Experience firsthand how we blend traditional values with modern conveniences like online and mobile banking services. Explore all the benefits available to you by visiting us or reaching out at (910) 875-4100. Together, let's build a brighter financial future!

Our Legacy

Since opening our doors, State Employees' Credit Union has remained dedicated to providing exceptional financial services tailored to the needs of our community. Through the decades, we've experienced significant milestones that highlight our growth and adaptability. From introducing innovative banking solutions to expanding our service offerings, we have always prioritized our members' best interests. Our headquarters in Raleigh, NC, serves as the backbone of our operations while we maintain a strong presence here in Raeford. With operating hours from 8:30 AM to 5:30 PM Monday through Friday and convenient drive-thru banking services available, we ensure that banking with us is both easy and accessible. Additionally, we offer ATM services for quick transactions when you're on the go.

Our Mission

At State Employees' Credit Union, our mission is simple yet impactful: to enhance the financial well-being of our members while contributing positively to our community. We are not just a credit union; we are your partners in achieving financial success. Our commitment extends beyond providing personal banking solutions like checking accounts, auto loans, and mortgages; it also encompasses community support through outreach initiatives and partnerships designed to uplift those around us. While members can visit us at 1108 Fayetteville Rd Raeford Nc 28376, official correspondence should be sent to 1108 FAYETTEVILLE RD, RAEFORD, NC 28376 for any formal inquiries. We believe in making financial literacy accessible and empowering individuals with the knowledge they need to make informed decisions.

Branch Location & Accessibility

Get in Touch

We invite you to visit us at our Raeford location or give us a call at 910-875-4100 if you have any questions or need assistance. At State Employees', we're dedicated to providing exceptional service and supporting our members every step of the way. Come see how we can help you achieve your financial goals today!

Nearby Landmarks and Accessibility

Located near popular spots like the Raeford Shopping Center and Hoke County Public Library, our branch is not only accessible but also close to many of your daily errands. We have ample parking available right at our doorstep, ensuring that you can visit us without hassle. Plus, our facility is ADA compliant, featuring ramps and other accessibility features to ensure everyone can easily access our services.

Operating Hours and Services

Our lobby hours are convenient for busy schedules, open Monday through Friday from 8:30 AM to 5:30 PM. Whether you need assistance with checking and savings accounts or are interested in loans auto financing, mortgages, or personal loans we're here to help. You can also take advantage of our drive-thru service for quick transactions like deposits and withdrawals without leaving your car. For those who prefer digital banking, we offer online and mobile banking options so you can manage your finances from anywhere. Need cash? Our ATM is available for your convenience as well.

Member Eligibility

Welcome to the community at State Employees'! We're excited to share how you can become a valued member of our family. To join us at State Employees', located at 1108 Fayetteville Rd Raeford Nc 28376, you need to meet a few simple eligibility requirements. Generally, anyone who works for or is related to someone employed by the state of North Carolina can join. This includes not just state employees but also their family members, making it easy for everyone in your household to enjoy the benefits of membership. For a full rundown of eligibility details, feel free to visit our website at http://www.ncsecu.org/join#eligibility. Becoming a member is straightforward and rewarding! As part of State Employees', you'll gain access to a variety of financial products and services designed to support your financial well-being. From checking and savings accounts to auto loans and mortgage options, we have something for everyone. If you're ready to take the next step, opening an account is just a click away through this link: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, don't hesitate to give us a call at (910) 875-4100. We look forward to welcoming you into our community!

Business Banking & Commercial Services

At State Employees', we understand that every business has unique needs and goals. Whether you're a startup looking to launch your dream or an established company aiming to expand, our business banking and commercial services are designed to support your journey. Imagine having the financial backing to purchase new equipment, hire additional staff, or even open a new location. 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. Additionally, our merchant services simplify transactions for you and your customers. From accepting payments seamlessly to managing cash flow efficiently, we provide tools that help you focus on what matters most growing your business. Visit us at 1108 Fayetteville Rd Raeford Nc 28376 in Raeford, NC or call us at (910) 875-4100 to learn more about how we can help you thrive!

Comprehensive List Of Services

Business Banking Support

If you're a business owner, our team understands the unique challenges you face. Our Business Banking solutions include essential Merchant Services & Business Loans that can help you manage cash flow and invest in growth opportunities.

Convenient Access Anytime, Anywhere

In today's fast-paced world, having access to your accounts whenever you need them is crucial. That's why we offer robust Online & Mobile Banking platforms that allow you to check balances, transfer funds, and pay bills at your convenience. Additionally, our ATM & Cash Withdrawal Services ensure that cash is always within reach.

Financial Solutions for Everyone

Life can throw unexpected expenses your way, which is why we also provide Personal Loans & Debt Consolidation options. These services can help ease financial burdens and simplify your payments. Plus, with our competitive Credit Cards with Rewards, you can earn benefits on everyday purchases while managing your spending effectively.

Personal Banking

Whether you're opening your first checking account or looking to grow your savings, our personal banking services have you covered. We offer flexible Checking & Savings Accounts that fit various lifestyles. If you're considering a new vehicle, our Auto Loans & Vehicle Financing options make it easy to drive away in the car you want without breaking the bank. For those dreaming of homeownership, our Mortgage Loans & Refinancing services can help turn that dream into reality.

Streamlined Transactions

For those quick transactions, our Basic Drive-Thru Banking makes it easy to handle deposits and withdrawals without leaving your car. Whether you're stopping by for a simple transaction or needing ATM access for balance checks and cash withdrawals, we've got you covered. At State Employees', we are dedicated to making banking as easy and convenient as possible for all our members. With friendly staff ready to assist you during lobby hours from 8:30 AM to 5:30 PM, we invite you to visit us or give us a call at (910) 875-4100 for any questions or to learn more about how we can serve you. Explore the full range of services available at Raeford, where your financial well-being is our priority!

Digital & Online Banking

Easy Access to Your Accounts

With our 24/7 online banking services, you can check your account balances, view transaction history, and transfer funds at any hour of the day or night. You can find all these features and more by visiting us at https://www.ncsecu.org/.

Mobile Banking Made Simple

For those who prefer using their smartphones, our mobile application is available for easy downloads. You can even enjoy mobile payments, allowing you to pay directly from your phone with just a few taps. This means whether you're buying coffee or shopping for groceries, handling payments is a breeze.

Secure and User-Friendly Features

We prioritize your security with options like electronic signature authorization for quick approvals without compromising safety. Plus, our e-statements make it easy to stay organized and environmentally friendly by reducing paper clutter. You can view your statements online anytime no more waiting for mail!

Stay Connected with Person-to-Person Transfers

While we currently do not offer person-to-person transfers, our other features provide plenty of ways to manage your money effectively. From checking balances to transferring funds between accounts or paying bills online, we've got you covered. In summary, State Employees' is dedicated to providing accessible and user-friendly digital banking solutions that fit into your lifestyle. With our robust online tools, managing your finances has never been easier!

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. We understand that in today's world, you need a financial partner that you can trust. That's why we're committed to maintaining robust financial health, ensuring that you can always rely on us for your banking 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. 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. 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. 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 is impressive; with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we're here to support your financial goals across various sectors. Our performance is backed by our operational efficiency reflected in our $0. 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 who ensure our branches are always ready to serve you with a knowledgeable, committed team. Our net shares amount to $574,556,810, which indicates the funds available for lending and investments. With a total of 5,850,875 share accounts, it's clear that more members are choosing State Employees' as their trusted financial partner. 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 1108 Fayetteville Rd Raeford Nc 28376 or call (910) 875-4100 to learn more about how we can help you achieve your financial goals.

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 understand that every member's situation is different, which is why we provide flexible financing options. Plus, if you're interested in refinancing your current auto loan, we can help you explore eligibility options.

Credit Lines

Our credit lines are another great option for those who want flexibility in their borrowing. With $18,909,000,000 available to our members, you can access funds when needed without the hassle of traditional loans. This makes it easier to handle unexpected expenses or take advantage of opportunities as they arise. For more information about our loan products or to discuss your options, don't hesitate to call us at (910) 875-4100. You can also visit our website at https://www.ncsecu.org/ for additional details on how we can assist you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At State Employees', we're committed to helping you navigate your financial journey with confidence and ease.

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, providing you with the support you need to secure your dream home. Our team is here to guide you through the process and answer any questions about eligibility and financing.

Unsecured Credit Card Loans

Managing finances can be challenging, but we also offer flexible terms on unsecured credit card loans. With a total of $1,177,171,541 in loans helping members effectively manage their expenses, our credit cards come with competitive rates and no hidden fees. Whether you're looking to consolidate debt or make everyday purchases easier, we've got you covered.

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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 fair and transparent offers. By utilizing verified data from legitimate financial institutions, LendMesh guarantees that users receive accurate information without hidden agendas.

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