State Employees' Credit Union Raleigh NC: Top Checking & Mortgage Loans

Introduction

Welcome to State Employees' Credit Union, your trusted financial partner located at 4262 Louisburg Rd, Raleigh, NC 27604. Established in 1937, we have proudly served our community for over 85 years, building a strong foundation based on trust and commitment. With a total membership of 2,847,943, we are dedicated to providing excellent service and support to our members. At State Employees', we understand that financial decisions can be overwhelming. That's why our experienced team is here to guide you through every step of the way. Under the leadership of our CEO, Leigh Brady, and Board President, Mona Moon, we strive to create personalized solutions that meet your unique needs. Our branch boasts total assets of $57,229,286,839, with total deposits amounting to $7,866,265,767. This robust financial standing reflects our commitment to safeguarding your funds while providing competitive loan options. We currently hold a total loan portfolio of 1,194,630, ensuring our members have access to the resources they need for personal and business growth. While you can visit us at our Raleigh branch for all your banking needs including checking and savings accounts, auto loans, mortgages, and credit cards we also offer convenient online and mobile banking services. For any official correspondence that might be needed, please note our mailing address is the same as our branch address. Our friendly staff is available at 919-790-9091 during lobby hours from 8:30 AM to 5:30 PM Monday through Friday. Whether you're looking to open an account or inquire about our services like personal loans or business banking our team is ready to assist you. Discover the benefits of being part of State Employees' Credit Union today by visiting us online at ncsecu.org or giving us a call! Join a community that puts its members first and experience banking that's built around you.

Branch History & Mission

Commitment to Innovation

In today's digital world, we recognize the importance of providing advanced banking solutions. That's why we offer online banking, mobile payments, and electronic statements to make managing your finances easier than ever. We are committed to being accessible and ADA compliant so that all members can benefit from our services without barriers.

Join Us

As we continue this journey together, we invite you to be part of the State Employees' family. Experience personalized service, competitive rates, and a commitment to your financial future like no other. Visit us today or contact us at 919-790-9091 to learn how you can become a member and take advantage of everything we have to offer!

Our Evolution

From our modest beginnings, we have evolved into one of the largest credit unions in the country. Each milestone in our history has been marked by our commitment to serve our members better. With a dedicated team of over 8,200 employees, we strive to create an environment where every member feels valued and supported. Our branch is equipped with modern facilities including ATM access and drive-thru banking services, ensuring convenience for all who walk through our doors.

Our Mission

At the heart of State Employees' Credit Union lies our mission: to enhance the financial well-being of our members while fostering community growth. We believe that financial success should be attainable for everyone, which is why we offer a wide range of services from checking and savings accounts to auto loans and mortgages all designed with you in mind. We also prioritize community support through various outreach programs and partnerships aimed at making a positive impact locally. While members can visit us at 4262 Louisburg Rd, official correspondence should be sent to 4262 LOUISBURG RD, RALEIGH, NC 27604 if different.

Branch Location & Accessibility

Convenient Access

At our Raleigh branch, we prioritize accessibility for all members. Our building features ADA-compliant entryways and ramps, ensuring that everyone can access our services comfortably. Plus, with ample parking available, you won't have to worry about finding a spot when you visit us.

Operating Hours

We know your time is valuable. That's why we keep our doors open from 8:30 AM to 5:30 PM on weekdays, making it easy for you to fit banking into your busy schedule. If you prefer online banking, we've got that covered too!

Services Offered

Our branch offers a range of personal and business banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we are committed to helping you achieve your financial goals. Need quick cash? Enjoy the convenience of our ATM services or utilize our drive-thru banking for deposits and withdrawals without leaving your car. If you need assistance or have questions about any of our services, don't hesitate to call us at 919-790-9091. We're here to help! While members can visit us at 4262 Louisburg Rd, official correspondence should be sent to the same address as our mailing address is also 4262 LOUISBURG RD, RALEIGH, NC 27604. Come see us today at State Employees' credit union! We look forward to welcoming you and supporting your financial journey.

Member Eligibility

At State Employees', we believe in building a community that supports you and your financial goals. Becoming a member is simple and welcoming if you're an employee of the State of North Carolina or a family member of someone who is, you're already eligible to join us! We also extend our membership to individuals who work for certain affiliated organizations. To learn more about the specific criteria and see if you qualify, check out our detailed eligibility information at http://www.ncsecu.org/join#eligibility. Joining State Employees' comes with wonderful advantages, including access to a range of financial products tailored to meet your needs, from checking accounts to auto loans. Plus, as a member, you'll enjoy lower fees and better rates than traditional banks. Ready to take the next step? Opening your account is easy just visit https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (919) 790-9091 for assistance. We're excited to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine being able to streamline your payment process while offering your customers the convenience they crave. Our merchant services enable you to accept payments quickly and securely, allowing you to focus on what you do best running your business. Whether it's processing credit card payments or managing transactions online, we provide the tools that make financial operations smooth and efficient. Located at 4262 Louisburg Rd Raleigh Nc 27604 in Raleigh, NC, we're here to empower your business journey. Reach out to us today at (919) 790-9091 to learn more about how we can partner in your success!

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

Accessible Branch Services

When you need face-to-face assistance, visit us at our branch where we provide basic drive-thru banking for deposits and withdrawals along with straightforward ATM access for balance checks and cash withdrawals. Our friendly team is always ready to assist you during lobby hours from 8:30 AM to 5:30 PM, Monday through Friday. At State Employees', we are committed to serving our community with comprehensive financial solutions that empower you every step of the way. For more information about our services or to get started today, please call us at 919-790-9091 or visit us online at NCSECU.org. Let us help you achieve your financial goals!

Business Banking Services

For business owners, we provide essential Business Banking services including Merchant Services & Business Loans. We know how critical it is to have the right tools at your disposal, so we are here to support your growth and success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking platforms allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on-the-go using our mobile application. Additionally, our ATM & Cash Withdrawal Services ensure that cash is always within reach.

Financial Flexibility

Life can throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come in handy, offering you the flexibility to handle those unforeseen costs without stress. Plus, if you enjoy rewards for your spending habits, check out our Credit Cards with Rewards, designed to give back every time you swipe.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Checking & Savings Accounts that fit your lifestyle. Need a car? Our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms, making it easier than ever to drive home in your dream vehicle. If you're considering buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services can guide you through the process with ease.

Digital & Online Banking

Accessibility and Ease-of-Use

We know that life gets busy, which is why we've made sure our online banking platform is user-friendly and accessible. Whether you're managing your savings or setting up automatic payments, everything is designed to be straightforward. Although person-to-person transfers aren't available right now, we provide all the essential tools to keep your finances in check. With our commitment to providing reliable service and support, you'll always have help when you need it. Our team is dedicated to ensuring that your digital banking experience is as smooth as possible. Discover how easy managing your finances can be with State Employees''s digital and online banking services today! Visit us at https://www.ncsecu.org/ to learn more about what we offer.

Key Services

Imagine being able to check your account balance, pay bills, and transfer funds right from your smartphone or computer. Our online banking service makes this a reality. You can enjoy features like e-statements, which are available for easy access anytime you need them. Plus, if you're on the go, our mobile application lets you bank wherever you are, ensuring that your financial needs are just a tap away. Security is always a top priority at State Employees'. We offer electronic signature authorization for added peace of mind when completing transactions online. This means you can sign documents safely without needing to visit a branch. And when it comes to making payments, our mobile payments feature allows you to pay quickly and securely with just your phone.

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 dedicated to maintaining a strong financial foundation, allowing you to trust us with your savings and lending 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, enabling 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 and stronger lending options to serve our members better. Our lending capacity is robust; with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we support our members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, allowing 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 and committed team. Net Shares available for lending and investments stand at $574,556,810. Our growing member base is evidenced by the 5,850,875 total share accounts, showcasing the trust placed in us by our community. Our financial strength means we can continue serving you with confidence. Whether you're saving for a new car or planning for your future home purchase or simply looking for reliable banking services State Employees' is your trusted partner. Visit us at 4262 Louisburg Rd Raleigh NC 27604 or call 919-790-9091 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 competitive rates to make your car-buying experience as smooth as possible.

Business Financing

For business owners, while we currently don't have outstanding commercial loans available, we're committed to supporting local businesses through financial education and resources. Our knowledgeable team at State Employees', located at 4262 Louisburg Rd Raleigh Nc 27604, Raleigh, NC, is here to assist you with any questions about our loan offerings or eligibility requirements. You can reach us at (919) 790-9091 during our operating hours from 8:30 AM to 5:30 PM. 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 invite you to explore how our loan products can support your journey toward financial wellness!

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 offer various plans tailored to fit different budgets and preferences. If you're looking to refinance, we can help you explore your options as well.

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. This option is perfect for those who need quick access to funds without putting up collateral.

Loan Aggregator

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State Employees

Type of Loan Offerings

Home Equity Loans

Personal Loans