State Employees' Credit Union Raleigh NC: Low Mortgage Rates & Rewards Cards

Introduction

Welcome to State Employees' Credit Union, your trusted partner in financial wellness since 1937. Located at 3300 Hammond Rd, Raleigh, NC 27603, we are proud to serve a vibrant community of over 2.8 million members. Our commitment to you goes beyond traditional banking; we focus on building lasting relationships and empowering our members with the tools they need to achieve their financial goals. At State Employees', we have grown into a robust institution with total assets exceeding $57 billion and total deposits reaching $7.87 billion. Our strength is reflected in our ability to offer competitive loans, including over 1.19 million active loans and leases, ensuring that your financial needs are met with ease and efficiency. Under the leadership of our dedicated CEO, Leigh Brady, and Board President, Mona Moon, we strive to create a welcoming environment where all members can thrive. With a team of 8,258 employees, we are here to provide personalized service whether you're looking for personal banking options like checking and savings accounts or exploring auto loans, mortgages, or credit cards with rewards. While members can visit us at our branch location, official correspondence should be sent to the same address: 3300 Hammond Rd, Raleigh, NC 27603. As we continue to grow together as a community-focused credit union, we invite you to explore the many services we offer through our website at ncsecu.org. Whether you're interested in online banking or need assistance from our friendly staff, we're just a phone call away at 919-773-8915. Join us today and discover how State Employees' Credit Union can help you navigate your financial journey!

Branch History & Mission

Join Us

With operating hours from 8:30 AM to 5:30 PM on weekdays and both ATM and drive-thru availability for your convenience, visiting us is easy! If you need assistance or want to learn more about becoming a member, feel free to call us at 919-773-8915. While you can visit us at 3300 Hammond Rd, please note that official correspondence should be sent to 3300 HAMMOND RD, RALEIGH, NC 27603 if it differs from our branch address. We invite you to join the State Employees' family today! Experience firsthand how we prioritize your financial success while contributing positively to the community around us. Together, let's build a brighter future!

Our Journey

Our story began with a simple yet powerful idea: to provide financial services that empower our members and uplift our community. Over the decades, we've expanded our offerings and adapted to meet the changing needs of those we serve. Each milestone reflects our dedication to fostering financial well-being for all. As a part of this growth, we've embraced technological advancements, ensuring that banking is more accessible than ever. From mobile banking apps to online services, we strive to make your banking experience convenient and user-friendly.

Our Mission

At State Employees', our mission goes beyond just providing financial products; it's about building strong relationships with our members and giving back to the community. We believe that everyone deserves access to quality financial services that help them achieve their goals whether it's buying a home, financing a vehicle, or simply saving for the future. We are dedicated to supporting local initiatives and partnering with organizations that make a difference in Raleigh and beyond. By prioritizing community outreach and engagement, we aim to create lasting positive impacts.

Branch Location & Accessibility

Welcome to the State Employees' branch at 3300 Hammond Rd in Raleigh, NC! We are proud to be part of the vibrant community here in Wake County, conveniently located near local landmarks that make it easy for you to find us. Whether you're heading over from downtown or just passing through, our welcoming space is designed with your convenience in mind. When you visit us at this location, you can enjoy hassle-free parking right outside our door. Plus, our branch is fully accessible, ensuring everyone can easily navigate our facilities. If you prefer a little extra convenience, we also offer drive-thru banking services for quick transactions without leaving your vehicle. At State Employees', we're committed to providing a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, our knowledgeable staff is here to help you every step of the way. And if you're looking for quick cash access, rest assured we have ATMs available on-site for your convenience. Our operating hours are designed to fit your busy schedule join us Monday through Friday from 8:30 AM to 5:30 PM. We invite you to stop by during these times or give us a call at 919-773-8915 if you have any questions or need assistance. If you're planning to send official correspondence, please note that while members can visit us at 3300 Hammond Rd, official mail should be sent to the same address. We look forward to seeing you soon at State Employees'! Your financial goals are important to us, and we're excited to partner with you on your journey.

Member Eligibility

Becoming a member of State Employees' is like joining a friendly family where your financial well-being is our top priority. If you're looking to join us at 3300 Hammond Rd Raleigh Nc 27603, you'll be pleased to know that eligibility is quite inclusive! You can become a member if you are a state employee or if you have a family member who is already part of our community. This means we welcome not just individuals but families too, making it easier for you to access the fantastic services we offer. Once you're ready to take the next step, opening an account is simple and straightforward. You can find detailed eligibility criteria and information about what makes our membership special by visiting http://www.ncsecu.org/join#eligibility. For those eager to start their journey with us, check out the account opening details here: 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 (919) 773-8915. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Empower

In today's fast-paced market, having reliable payment solutions is crucial. Our merchant services are designed to simplify transactions and improve cash flow. Imagine a local coffee shop that can accept payments quickly from mobile devices or an e-commerce site that can easily process online sales. These services not only enhance customer satisfaction but also streamline operations, allowing you more time to focus on what matters most growing your business. Visit us at 3300 Hammond Rd Raleigh Nc 27603 in Raleigh, NC, or call us at (919) 773-8915 to learn more about how we can partner with you for success. Your business deserves the best, and we're here to provide it!

Tailored 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.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM & Cash Withdrawal Services are available 24/7 for your convenience. Plus, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car perfect for those busy days! At State Employees', we are dedicated to making banking easy and accessible for everyone in our community. For more information about our services or how we can assist you further, don't hesitate to call us at (919) 773-8915 or visit us at our branch. Join us today and experience financial services tailored just for you!

Auto Loans & Vehicle Financing

Are you in the market for a new car? Our Auto Loans & Vehicle Financing services can help make that dream a reality. We offer competitive rates and flexible terms so you can drive away in the vehicle of your choice without breaking the bank. Picture yourself cruising around town in your new ride, knowing you've secured the best financing option available.

Business Banking Services

For our entrepreneurial members, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. Whether you're starting a new venture or looking to grow an existing business, our team is ready to assist you every step of the way.

Credit Cards with Rewards

Our Credit Cards with Rewards program allows you to earn points on every purchase, making it easier for you to save while spending. Use those rewards for exciting travel opportunities or everyday purchases it's all about adding value back into your life!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we have robust Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. From paying bills online to using mobile payments at stores, staying on top of your finances has never been easier.

Mortgage Loans & Refinancing

Thinking about buying a home? Our Mortgage Loans & Refinancing options are designed to fit various budgets and lifestyles. We will work with you to find the right mortgage solution that fits your financial situation. Whether it's your first home or you're looking to refinance your current mortgage for better terms, we've got you covered.

Personal Banking Services

Managing your day-to-day finances is easier than ever with our Personal Banking options. Whether you're looking to open a checking or savings account, or need help with budgeting, our friendly staff is here to guide you. Imagine having a checking account that not only meets your needs but also helps you save money over time! We offer savings accounts tailored for different goals, whether you're saving for a dream vacation or building an emergency fund.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services provide quick access to funds when you need them most. This could be ideal if you're dealing with multiple debts and want to simplify payments into one manageable loan.

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter with our e-statements feature. You can access your monthly statements online, making it easy to keep track of your finances while helping the environment. If you're always on the move, our mobile application puts banking right in your pocket. With this app, you can also enjoy mobile payments making transactions as simple as tapping your phone.

Online Banking Services

With 24/7 online banking services available at https://www.ncsecu.org/, you can check your balances, transfer funds, and pay bills with just a few clicks. Our user-friendly interface ensures that even those who aren't tech-savvy can navigate their accounts with ease. Plus, for added convenience, we provide electronic signature authorization, allowing you to sign documents securely without ever needing to visit a branch.

Secure Transfers and Accessibility

Need to send money quickly? While person-to-person transfers are not available at this time, our other features ensure that managing your money is still straightforward and secure. We prioritize security in all our digital services so you can bank with peace of mind. In short, whether you're using our website or mobile app, State Employees' offers accessible and convenient banking solutions tailored for your lifestyle. Explore what we have to offer today!

Financial Strength

A Growing Community

We proudly support a growing community of members with a total of 5,850,875 share and deposit accounts. This shows the trust placed in us by our members as we work together toward achieving 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 3300 Hammond Rd Raleigh Nc 27603 or call (919) 773-8915 to learn more about how we can help you achieve your financial goals.

Efficient Operations

Our $2,145,244 reflects our operational efficiency, 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.

Investment in Your Future

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 a total of $34,904,944,116 in loans and leases available.

Member-Focused Savings

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

Additional Offerings

Our services extend beyond just these core offerings. We provide personal loans for various purposes and lines of credit that can help bridge gaps as they arise. For business owners, our outstanding commercial loans provide the capital needed to grow and expand. If you're considering refinancing any existing debts or exploring eligibility options for our loan products, our team is ready to assist you through every step of the process. Visit us at our branch located at 3300 Hammond Rd Raleigh Nc 27603, Raleigh, NC, or give us a call at (919) 773-8915 during our lobby hours from 8:30 AM to 5:30 PM, Monday through Friday. We're here to help you navigate your financial journey with confidence. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 interested in financing a new model or a reliable pre-owned vehicle, we have flexible terms tailored to fit your budget.

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 aim to provide competitive rates and a straightforward application process, making it easier for you to secure a place to call home.

Unsecured Credit Card Loans

Managing finances can sometimes be tricky. 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. This option allows you to access funds when you need them without tying up your assets.

Loan Aggregator

Benefits of Using LendMesh

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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). This commitment to using verified information ensures that users receive fair and transparent offers.

STATE EMPLOYEES' CREDIT UNION - Raleigh, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in Raleigh, NC (27603)