State Employees' Credit Union Raleigh NC: Affordable Auto Loans & Business Banking

Introduction

Welcome to State Employees' Credit Union, your trusted partner in financial well-being, located at 119 N Salisbury St, Raleigh, NC 27603. Established in 1937, we have proudly served our members for over eight decades. With a total membership of 2,847,943, we are committed to supporting our community and helping you achieve your financial goals. At State Employees', we understand that every member's journey is unique. That's why our dedicated team is here to provide personalized services tailored just for you. Our CEO, Leigh Brady, alongside Board President Mona Moon, leads a passionate group of 8,258 employees who are ready to assist you with everything from personal banking and auto loans to mortgage financing and credit cards with rewards. Our robust financial foundation is reflected in our impressive assets of $57,229,286,839 and total deposits amounting to $7,866,265,767. We take pride in maintaining a net worth of $5,446,832,560, ensuring the security and stability you deserve. With over 1,194,630 loans and leases issued, we're here to help finance your dreams whether that's purchasing a new vehicle or consolidating debt. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO BOX 26927, RALEIGH, NC 27611. We encourage you to explore the variety of services we offer through our website at ncsecu.org, where you can easily access online banking and apply for accounts. We invite you to reach out anytime at 919-839-5300 during our operating hours from 8:30 AM to 5:30 PM on weekdays. Whether you're looking for guidance on savings plans or need assistance with loans, our team is eager to help you navigate your financial landscape with confidence. Join us today and experience the State Employees' difference!

Branch History & Mission

Community Connections

Our credit union isn't just about numbers; it's about people. We actively participate in community outreach efforts and partner with local organizations that share our vision for growth and support. We believe in giving back because when our community thrives, so do we.

Join Us

As we look toward the future, we invite you to become part of the State Employees' Credit Union family. Experience firsthand how we're not just another financial institution but a member-focused organization committed to your success. Explore your eligibility today and discover how we can help you achieve your financial goals! For more information or assistance, feel free to call us at 919-839-5300 or visit ncsecu.org. Together, let's build a brighter financial future!

Our Evolution

From our humble beginnings as a small credit union for state employees, we've expanded our services and reach significantly over the decades. The year 1937 marked not just the founding of our credit union but also a promise to provide accessible financial services to those who need them most. With each passing year, we have adapted to meet the changing needs of our members while staying true to our mission. Over the years, we have embraced technology to offer modern banking solutions that make managing finances easier for everyone. From online banking to mobile applications, we've made strides to ensure that our members can bank conveniently anytime and anywhere. We are proud of our ADA-compliant facilities and services, ensuring that everyone feels welcome at our branch.

Our Mission

At State Employees' Credit Union, our mission is simple yet profound: we strive to improve the financial well-being of our members while fostering a sense of community. We understand that life can bring challenges financial or otherwise and we're here to help you navigate them. Whether it's through personal banking options like checking accounts and auto loans or community initiatives that support local causes, we are dedicated to making a positive impact. While members can visit us at 119 N Salisbury St for their banking needs, official correspondence should be sent to PO BOX 26927, Raleigh, NC 27611. We invite you to take advantage of our operating hours from Monday through Friday, 8:30 AM to 5:30 PM.

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility. Our branch is designed with features that comply with ADA standards, ensuring everyone can comfortably access our services. Additionally, parking is available nearby, making your visit straightforward and hassle-free.

Operating Hours

We're open Monday through Friday from 8:30 AM to 5:30 PM. These hours are tailored to fit into your busy schedule so you can make banking part of your day without any stress.

Services Offered

At State Employees', we offer a variety of services including personal checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Plus, with our ATM on-site, you have quick access to cash whenever you need it. If you're looking for a welcoming place to handle your finances or have questions about our services, don't hesitate to give us a call at 919-839-5300. We're here for you! Come visit us today; we can't wait to assist you!

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a friendly and supportive community. Becoming a member is simple and welcoming. If you live, work, or worship in our local area or have family ties to our credit union, you're likely eligible! We embrace a diverse range of individuals and aim to provide financial services tailored to your needs. To check the specific eligibility criteria, feel free to visit our detailed guide at http://www.ncsecu.org/join#eligibility . Joining us opens the door to a variety of benefits, including personalized banking services and competitive loan rates designed just for you. Ready to take the next step? You can easily open an account online by visiting 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) 839-5300. We're excited to welcome you to the State Employees' family!

Business Banking & Commercial Services

Business 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

Imagine running your business seamlessly with payment options that cater to your customers' preferences. Our merchant services are designed to simplify transactions, ensuring you can focus on what matters most growing your business. With user-friendly tools and reliable support, you can accept payments easily and efficiently. At State Employees', we're here to provide the financial resources you need to thrive in today's competitive market. Contact us at (919) 839-5300 or visit us during our operating hours from 8:30 AM to 5:30 PM to learn more about how we can help you achieve your business goals!

Comprehensive List Of Services

Call to Action

We invite you to explore all that State Employees' has to offer. Our friendly team is ready to assist you every step of the way. For inquiries or to learn more about opening an account, please call us at (919) 839-5300 or visit us online at our website. Let us help you achieve your financial goals today!

Credit Cards and Business Banking

Don't forget about our rewarding credit cards, which come with benefits that can enhance your spending power while providing rewards along the way. Whether it's cash back on purchases or travel points, these cards add value to your everyday spending. For entrepreneurs and small business owners, we offer comprehensive business banking services including merchant services and business loans. Running a business comes with its challenges, but with our support, you can focus more on growth rather than financial stress.

Digital Solutions

In today's fast-paced world, convenience is key. That's why at Raleigh - Salisbury St, we provide robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. With features like ATM access for cash withdrawals and balance checks, banking has never been easier or more accessible.

Personal Banking

Starting with personal banking, we provide flexible checking and savings accounts tailored to help you manage your day-to-day finances efficiently. Imagine having easy access to your funds while earning interest on your savings that's what we aim for! If you're in the market for a new vehicle, our auto loans and vehicle financing options are designed to get you behind the wheel without breaking the bank. For those considering homeownership, our mortgage loans and refinancing solutions can make owning a home more achievable than ever. Picture yourself settling into a cozy new house with a manageable mortgage plan that fits your budget perfectly. Additionally, if unexpected expenses arise, our personal loans and debt consolidation services can provide relief, helping you regain control of your finances.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, pay bills, and transfer money all from the comfort of your home or on the go. You can enjoy the convenience of e-statements, which help you keep track of your finances while reducing clutter. Plus, with electronic signature authorization, signing documents is quick and easy no more waiting for the mail! For those who prefer to bank on their smartphones, our mobile application offers a user-friendly interface packed with features. You can make mobile payments effortlessly, ensuring you're always prepared for any purchase. While person-to-person transfers aren't available just yet, our current offerings still provide ample ways to manage your money effectively.

Security and Accessibility

Your security is our priority. Our online banking services come with robust safety measures to protect your personal information. We've designed our systems to be intuitive so that anyone can use them easily even if you're not tech-savvy. With everything available at your fingertips, keeping an eye on your finances is straightforward and real-time. Whether it's checking your account balance or reviewing recent transactions, you have all the tools you need right in front of you. Explore the full range of digital banking services today at https://www.ncsecu.org/ and experience the ease of managing your finances from anywhere!

Financial Strength

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.

Growing Member Base

Total Share and Deposit Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $574,556,810. 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 119 N Salisbury St Raleigh Nc 27603 or call (919) 839-5300 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.

Member Savings Security

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 reflected in our $0, which 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.

Reinvestment for Growth

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 substantial, with $193,516 in used auto loans and $34,904,944,116 in total loans and leases available to support your financial goals across various sectors.

Loan Offering

Additional Options

If you're considering refinancing your current loans or exploring eligibility options, our knowledgeable staff at State Employees' is ready to assist you. We strive to create financial solutions tailored specifically for our members' unique circumstances. For more details about our loan offerings or if you have any questions, feel free to contact us at (919) 839-5300 or visit us at our branch located at 119 N Salisbury St Raleigh Nc 27603 in Raleigh, NC. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you take your next steps toward achieving your financial dreams!

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 brand-new model or a reliable used car, our team is here to assist you every step of the way.

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. We provide personalized service to guide you through the mortgage process, ensuring you have all the information needed to make informed decisions.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is 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 rewards and features that fit your lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons through a transparent sourcing method. 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 guarantees that users receive fair and reliable offers. One of the standout features of LendMesh is its commitment to verified data. All loan offers come from legitimate financial institutions, ensuring transparency for users looking to make informed decisions. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings allowing for truly unbiased results. Users benefit from real-time rate comparisons that reflect current market conditions, which is essential in today's fast-moving financial landscape. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores LendMesh's effectiveness as a reliable tool for navigating the complexities of loans. 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

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans