State Employees' Credit Union Raleigh NC: Best Auto Loans & Mortgage Rates

Introduction

Welcome to State Employees', your trusted financial partner located at 801 Hillsborough St, Raleigh, NC 27603. Since our establishment in 1937, we have been dedicated to serving our community with pride and commitment. With a robust membership of over 2.8 million individuals, we are more than just a credit union; we are a family that believes in putting our members first. At State Employees', we understand the importance of financial stability and growth. That's why we proudly manage total assets exceeding $57 billion, ensuring that your hard-earned money is not only safe but also working for you. Our total deposits stand at an impressive $7.87 billion, reflecting the trust our members place in us every day. We offer a range of services including personal banking, auto loans, mortgages, and business banking solutions tailored to meet your unique needs. Under the leadership of our CEO, Leigh Brady, and Board President, Mona Moon, we strive to create an environment where financial goals can be achieved easily and efficiently. With a dedicated team of 8,258 employees, we're here to support you through every step of your financial journey. While members can visit us at our physical branch location for personalized service, official correspondence should be sent to the same address: 801 HILLSBOROUGH ST, RALEIGH, NC 27603. Join us today and experience the difference that comes with being part of a credit union that truly cares about its members. For more information about our offerings or to get started with your new account, please visit our website at ncsecu.org or give us a call at 919-839-5012. We look forward to welcoming you!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to become part of the State Employees' family. Experience firsthand the benefits of membership where your financial success is our priority. Call us today at 919-839-5012 or visit our website here for more information on how you can join us in this journey toward better financial health!

Modern Services

In addition to traditional banking services available at our branch complete with drive-thru access we also offer convenient ATM availability for quick cash withdrawals and balance checks. Our lobby hours are designed to accommodate busy schedules, opening from 8:30 AM until 5:30 PM on weekdays. While members can visit us at 801 Hillsborough St for all their banking needs, official correspondence should be sent to the same address. We embrace digital advancements such as electronic signatures and e-statements which enhance your experience with us while ensuring ADA compliance.

Our Mission

The core mission of State Employees' is to promote financial wellness while fostering community support. We strive to empower our members with the tools they need to achieve their financial goals. This includes offering personalized banking experiences through online and mobile banking options, allowing you to manage your finances anytime and anywhere. We believe in giving back to the community that supports us. Our outreach programs focus on education, financial literacy, and local partnerships aimed at making a positive impact in Raleigh and surrounding areas. Whether it's hosting workshops or supporting local charities, we're committed to being more than just a bank; we aim to be a pillar of strength for our community.

Branch Location & Accessibility

Welcome to the State Employees' Credit Union, conveniently located at 801 Hillsborough Street in vibrant Raleigh, NC. Our branch is nestled right in the heart of Wake County, making it easy for you to access all your banking needs. Whether you're heading to work or exploring the local area, you'll find us just a short stroll from landmarks like the North Carolina State Capitol and the bustling downtown district. At our Raleigh branch, we prioritize accessibility for everyone. You'll find ample parking options nearby, along with features that comply with ADA standards, ensuring a comfortable visit for all our members. For those who prefer a quick stop, we offer drive-thru banking services where you can take care of deposits and withdrawals without leaving your vehicle. Our friendly team is here to serve you during convenient hours from 8:30 AM to 5:30 PM on weekdays making it easy to fit banking into your busy schedule. Plus, for those late-night transactions or when you're on the go, we have an ATM available that allows you to withdraw cash or check your balance anytime. While members can visit us at 801 Hillsborough Street, official correspondence should be sent to the same address for consistency. Feel free to reach out via phone at 919-839-5012 if you have questions or need assistance. We invite you to come experience our array of services tailored for personal and business banking alike. From checking and savings accounts to auto loans and mortgage options, our team is ready to help you achieve your financial goals. Don't hesitate stop by today or give us a call!

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a community that cares. Becoming a member is straightforward and welcoming. If you live, work, or attend school in the area, you're likely eligible to join us! We also welcome family members of current members, which makes it easy for your loved ones to enjoy the benefits of our services too. Our members enjoy lower fees, competitive rates on loans and savings, and access to resources designed to help them achieve their financial goals. For more detailed information about eligibility criteria, feel free to check out our eligibility page. Ready to take the next step? Opening an account is simple! Just visit our account opening page or give us a call at (919) 839-5012 if you have any questions. We're here to help you every step of the way at our branch located at 801 Hillsborough St Raleigh Nc 27603. Join us today and become part of a supportive network that prioritizes your financial well-being!

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 merchant services designed to simplify your day-to-day operations. Whether it's processing payments efficiently or managing cash flow, our tools are here to support your business every step of the way. Imagine being able to accept payments seamlessly while focusing on what you do best running your business. Visit us at 801 Hillsborough St Raleigh Nc 27603 in Raleigh, NC, or call us at (919) 839-5012 to learn how we can assist you in achieving your business goals today!

Comprehensive List Of Services

Additional Services

We also offer basic drive-thru banking for quick transactions like deposits and withdrawals, along with easy ATM access for balance checks and withdrawals. These features are designed for those who prefer face-to-face interactions or want quick access without entering the branch. With all these services available at Raleigh - 801 Hillsborough Street, we aim to create an experience that meets all your financial needs while keeping everything simple and straightforward. If you're ready to take control of your finances or explore what we have to offer, give us a call at (919) 839-5012 or visit us at 801 Hillsborough St Raleigh Nc 27603 in Raleigh today!

Business Banking

For our business members, we offer robust banking solutions including merchant services and business loans. We understand that running a business comes with its own set of challenges, so we're here to provide the financial tools necessary for success.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we have made online and mobile banking a priority at State Employees'. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts anytime, anywhere. Our ATM and cash withdrawal services ensure you have access to your funds when you need them most.

Personal Banking

When it comes to personal banking, we offer a variety of options to suit every lifestyle. Our checking and savings accounts are tailored to help you manage your day-to-day finances while also planning for long-term goals. For those considering a new vehicle, our auto loans and vehicle financing solutions provide competitive rates and flexible terms. Need assistance with purchasing a home? Our mortgage loans and refinancing options can help make that dream a reality. If you're facing unexpected expenses or need to consolidate debt, our personal loans can provide the support you need. Plus, don't forget about our credit cards with rewards that allow you to earn points on everyday purchases!

Digital & Online Banking

Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.ncsecu.org/ , you can access your accounts whenever it suits you. Check balances, pay bills, or transfer funds all from the comfort of your home or while out and about. Plus, our user-friendly mobile application makes it even easier to manage your finances right from your smartphone.

Effortless Payments

For those times when you need to make payments quickly, we've got you covered with mobile payments. This feature allows you to make purchases using just your phone no need for cash or cards! And if you're looking to send money directly to friends or family, our person-to-person transfer feature is currently not available; however, we have plans in place to enhance our services in the future. With State Employees', banking has never been more accessible or secure. Join us today and take advantage of all these features designed with your convenience in mind!

Secure Transactions

Your security is our top priority. Our online platform includes electronic signature authorization to ensure that your transactions are safe and protected. You can confidently sign documents electronically without needing to visit a branch. Additionally, we offer e-statements so you can view your financial information securely and conveniently.

Financial Strength

Commitment to 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 supports your financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases. Our operational efficiency is reflected in our $0, enabling us to keep offering competitive loan rates and solid financial products tailored for our members.

Dedicated Team

We also take pride in having 7,729 full-time employees and 529 part-time employees who are dedicated to serving you. With a knowledgeable team always ready to assist you, we ensure that your experience with State Employees' is both positive and productive. Total Share Accounts: 5,850,875 show a strong and growing member base that trusts us with their finances. Additionally, our Net Shares (Funds available for lending and investments) stand at $574,556,810, further demonstrating our commitment to fostering growth within our community. In conclusion, 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 801 Hillsborough St Raleigh Nc 27603 or call (919) 839-5012 to learn more about how we can help you achieve your financial goals.

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. We prioritize our members' interests above all else; unlike traditional banks, our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong 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. This solid foundation ensures that you can trust us with your savings and loans. Our net worth ratio of $971 demonstrates a robust capital base. This means 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. Whether you're purchasing a new or used vehicle, we have financing options that fit your budget.

Credit Lines

In addition to our traditional loan offerings, we provide access to credit lines totaling $18,909,000,000. This can be a great option if you need flexibility in managing your cash flow or unexpected expenses.

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 competitive rates and flexible terms to ensure you find the right loan for your situation.

Refinancing Options

If you're interested in refinancing any existing loans, our team can guide you through the process to see if you qualify for better rates or terms. 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 prioritize making borrowing straightforward and accessible for all our members. Stop by our branch or visit us online for more information about our loan products and how they can work for you!

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. These credit cards are designed to provide convenience and financial control without requiring collateral.

Loan Aggregator

How LendMesh Ensures 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 ), ensuring fair and transparent offers. This commitment to sourcing only from verified institutions means that users can trust the information presented in their comparisons. - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials illustrate the impact that accurate comparisons can have on individual finances. 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