State Employees' Credit Union Raleigh NC: Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to State Employees' Credit Union, where your financial well-being is our top priority! Located at 123 New Bern Pl, Raleigh, NC 27601, our branch has been serving members since 1937, helping them achieve their financial goals with trust and dedication. With over 2.8 million members and total assets reaching an impressive $57.2 billion, we pride ourselves on being a reliable partner in your financial journey. At State Employees', we understand the importance of community and strive to make a positive impact in the lives of our members. Our strong commitment is reflected not only in our extensive range of services including personal banking, auto loans, mortgage financing, and business banking but also in our robust financial standing, which includes total deposits of $7.9 billion and a net worth of $5.4 billion. Led by our dedicated CEO, Leigh Brady, and Board President Mona Moon, our team of over 8,200 employees is here to assist you every step of the way. We have a wealth of experience in guiding members through their financial decisions, ensuring they feel confident and secure. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 123 New Bern Pl, Raleigh, NC 27601. We encourage you to reach out with any questions at 919-839-5350 or explore more about us at ncsecu.org. Join us today and discover how State Employees' Credit Union can support you in building a brighter financial future!

Branch History & Mission

Join Us!

As we continue this journey together with the Raleigh community, we invite you to become part of the State Employees' family. Experience firsthand how our commitment to service can help you achieve your financial goals. Visit us today at 123 New Bern Pl or explore more about membership options at our website. Together, let's build a brighter financial future!

Mission Statement

At State Employees', our mission is clear: we are committed to empowering our members by providing them with affordable financial products that enhance their quality of life. We believe that everyone deserves access to sound financial advice and resources that foster growth and stability. Beyond just transactions, we focus on building long-lasting relationships with our members based on trust and support. In addition to serving our members' financial needs, we strive to make a positive impact within the community. We engage in outreach efforts that promote financial literacy and provide support during times of need. Whether through partnerships with local organizations or community events, we are passionate about giving back.

Modern Services & Accessibility

While we cherish our history, we also embrace modern advancements to serve you better. Our branch offers online banking options, mobile payments, and electronic signature capabilities for convenience. With an ATM available for easy cash access and extended lobby hours from 8:30 AM to 5:30 PM on weekdays, we ensure that your banking experience is smooth and straightforward. Though we do not offer drive-thru services at this location or shared service centers nearby, our friendly staff is always ready to assist you inside the branch or via phone at 919-839-5350.

Our Journey

From humble beginnings, State Employees' has evolved into a cornerstone of financial support for individuals and families in Raleigh and beyond. Over the decades, we've expanded our offerings to include a variety of personal banking services such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our journey reflects our dedication to innovation and meeting our members' diverse needs through accessible and reliable services.

Branch Location & Accessibility

Call to Action

We invite you to visit us today! If you have any questions or need assistance before stopping by, feel free to give us a call at 919-839-5350. Your financial journey starts here at State Employees', where community matters.

Operating Hours

Our lobby is open Monday through Friday from 8:30 AM to 5:30 PM, making it easy for you to stop by during your day. Whether you're looking to open a new account or discuss loan options, our knowledgeable team is here to assist you.

Services Offered

At State Employees', we offer a range of services tailored for personal banking, including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Need cash? Enjoy the convenience of ATM access right at our branch. While we don't currently offer drive-thru banking, our friendly staff is always ready to help you inside.

Member Eligibility

Becoming a member of State Employees' is like joining a caring community where your financial well-being is the priority. To qualify for membership, you just need to meet a few simple criteria. Generally, individuals who are state employees or have family members that are part of this group can easily join. This means if you're working for the state or are related to someone who is, you're likely eligible! For more specific details on eligibility, feel free to check out our website at http://www.ncsecu.org/join#eligibility. Once you know you're eligible, opening an account with us is quick and straightforward. You can start your journey towards better financial services today by visiting our account opening page here: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, don't hesitate to reach out at (919) 839-5350. We're excited to welcome you to State Employees', located at 123 New Bern Pl Raleigh Nc 27601, where you can enjoy exclusive member benefits tailored just for you!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing. Imagine running your business smoothly without worrying about payment delays. Our services ensure you can accept various payment methods easily, allowing you to focus on what matters most growing your business. Visit us at 123 New Bern Pl Raleigh Nc 27601 in Raleigh, NC to discover how we can help turn your business dreams into reality. Contact us at (919) 839-5350 for more information!

Comprehensive List Of Services

Accessibility

With all these services at your fingertips, accessing your finances has never been easier. If you have questions or need assistance, feel free to contact us at (919) 839-5350 during our operating hours from 8:30 AM to 5:30 PM on weekdays. We invite you to explore how State Employees' can support your financial journey. Whether you're looking for personal assistance or innovative digital solutions, we're here for you every step of the way! Visit us today or learn more about our offerings online at Raleigh - Capitol Square.

Business Banking Services

For our business members, we provide comprehensive business banking solutions, including merchant services and business loans. This ensures that whether you're running a small business or managing a larger enterprise, we have the tools to help it thrive.

Credit Options

Don't forget about our credit cards with rewards, allowing you to earn while you spend! This option makes everyday purchases more rewarding, giving you points that can be redeemed for various perks.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking features. You can check balances, transfer funds, or pay bills from anywhere at any time using your smartphone or computer. Our ATMs also offer basic access for withdrawals and balance checks, ensuring that your money is always within reach.

Personal Banking Solutions

Starting with personal banking, we offer various checking and savings accounts designed for your everyday needs. Whether you're saving for a big purchase or managing your monthly expenses, our accounts come with features that help you keep track of your finances easily. If you're considering purchasing a vehicle, look no further than our auto loans and vehicle financing options. We understand that buying a car can be overwhelming, which is why we provide competitive rates and flexible terms to help you get on the road without stress. For those dreaming of owning a home, our mortgage loans and refinancing services are tailored to guide you through the journey of home ownership. We also offer personal loans and debt consolidation solutions, assisting members in managing their finances better and achieving their goals more efficiently.

Digital & Online Banking

Key Features

For those on the go, our mobile application is available to help you stay connected with your finances from the palm of your hand. You can make mobile payments effortlessly, which means no more fumbling for cash or cards just a quick tap on your phone and you're set! Plus, if you prefer to keep track of transactions without paper clutter, e-statements are available to give you instant access to your account statements digitally. We also prioritize security in all our digital services. With electronic signature authorization available, you can securely sign documents without needing to be physically present at a branch. This feature streamlines processes and saves you valuable time. Although person-to-person transfers aren't currently offered, our other features provide plenty of flexibility for managing money with ease. You can rest assured knowing that all online banking activities are protected with top-notch security measures. At State Employees', we're committed to making banking as accessible and straightforward as possible. Enjoy real-time account management from wherever you are, whether you're at home or out and about. Embrace the future of banking with us!

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 are proud to highlight our robust financial position, which reflects our commitment to serving you with reliability and trustworthiness. 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 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. 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 significant; with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we support your financial goals across various sectors. Our operational efficiency is reflected in our $2,145,244, 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. Net Shares (Funds available for lending and investments): $574,556,810. Total Share and Deposit Accounts: 5,850,875, showing 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 123 New Bern Pl Raleigh Nc 27601 or call (919) 839-5350 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 provide flexible terms and refinancing options that make it easier for you to drive away in the vehicle you want.

Credit Lines

Our total credit lines amount to $18,909,000,000, providing you with additional financial flexibility when needed. These lines can help cover unexpected expenses or give you peace of mind knowing funds are available when you need them. If you're interested in learning more about eligibility options or how refinancing works, don't hesitate to reach out! You can contact us at (919) 839-5350 or visit us at 123 New Bern Pl Raleigh Nc 27601, Raleigh, NC. For more insights into our performance and financial data, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At State Employees', we're dedicated to helping you navigate your financial journey successfully!

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. With our expert team ready to guide you through each step of the process, you'll find that securing a mortgage is more straightforward than you might think.

Unsecured Credit Cards

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. Whether you're looking to consolidate debt or make everyday purchases easier, our credit card solutions are here to support you.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION - Raleigh, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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