State Employees' Credit Union Raleigh NC: Quick Personal Loans & Business Banking

Introduction

Welcome to State Employees' Credit Union, your trusted partner for financial success since 1937. Located at 1000 Wade Ave, Raleigh, NC 27605, we have proudly served our community with dedication and integrity. With a membership exceeding 2,847,943, we are committed to providing exceptional service tailored to meet the unique needs of our members. At State Employees', we understand that managing your finances is a journey. Our total assets of over $57 billion reflect our strong foundation and commitment to helping you achieve your goals. Whether you're looking for personal banking solutions, auto loans, or mortgage refinancing, our team is here to guide you every step of the way. While you can visit us at our branch on Wade Avenue for all your banking needs, please note that official correspondence should be directed to the same address: 1000 WADE AVE, RALEIGH, NC 27605. Our friendly staff is ready to assist you during lobby hours from 8:30 AM to 5:30 PM, Monday through Friday. Under the leadership of CEO Leigh Brady and Board President Mona Moon, we strive to foster a supportive environment where our members can thrive. With total deposits amounting to $7.87 billion and a robust net worth of $5.45 billion, we ensure that your savings are secure while providing competitive loan options totaling 1,194,630. We invite you to explore our range of services including checking accounts, credit cards with rewards, and business banking solutions designed to empower you financially. For any inquiries or assistance, feel free to contact us at 919-839-5472 or visit our website at ncsecu.org. Join us today and experience the difference that a community-focused credit union can make in your financial journey!

Branch History & Mission

At State Employees', we take pride in our rich history and the meaningful impact we've made in Raleigh, NC, since our founding in 1937. Established with a vision to support state employees and their families, our branch has grown alongside the community, evolving into a trusted financial partner for over 2.8 million members today. Located at 1000 Wade Ave, Raleigh, NC 27605, we are conveniently situated near local landmarks that make us easily accessible. Our branch has not only adapted to the changing needs of our members but has also embraced innovations that enhance their banking experience. From offering advanced online and mobile banking services to ensuring ADA compliance for all our facilities, we focus on making banking straightforward and inclusive. Our mission is simple yet profound: to provide reliable financial services while fostering a spirit of community support. We believe in empowering our members through tailored solutions such as checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Beyond financial transactions, we engage in community outreach programs that help uplift those around us. While members can visit us at our physical address for personal assistance during our operating hours from 8:30 AM to 5:30 PM, official correspondence should be sent to our mailing address at 1000 WADE AVE, RALEIGH, NC 27605 if it differs from your visit. State Employees' is committed to providing exceptional service; that's why we feature both ATM availability and drive-thru banking for your convenience. As a member-focused institution, every decision we make reflects our dedication to meeting your needs with respect and care. Join us at State Employees' and become part of a community where you are more than just a number; you are family. Experience the benefits of being a member today! For more information or to open an account online, please visit our website. We're excited to welcome you!

Branch Location & Accessibility

Accessibility Features

At our Raleigh branch, we prioritize accessibility for all our members. Our facility is ADA compliant, featuring ramps and designated parking spots to ensure everyone can visit us with ease. If you're in a hurry or prefer the convenience of drive-thru banking, we've got you covered with our efficient drive-thru service for quick deposits and withdrawals.

Operating Hours

We're open Monday through Friday from 8:30 AM to 5:30 PM, allowing plenty of time for you to stop by before or after work. Our team is always ready to assist you with a smile, whether you're looking for personal banking options like checking and savings accounts or need help with auto loans and mortgages.

Services Offered

In addition to our standard banking services, we offer ATM access for your convenience. You can make withdrawals and check balances without stepping inside the branch! Our friendly staff is eager to help you navigate all our services, from credit cards with rewards to business banking solutions. While members can visit us at 1000 Wade Ave, official correspondence should be sent to the same address for consistency. Feel free to reach out at 919-839-5472 if you have any questions or need assistance before your visit. We look forward to welcoming you at the State Employees' branch in Raleigh! Come by today and experience the difference that a dedicated credit union can make in your financial journey.

Member Eligibility

Joining State Employees' means becoming part of a caring community that's dedicated to supporting your financial goals. If you live, work, or worship in certain areas or meet specific employment criteria, you may be eligible to become a member. We welcome everyone from state employees to their family members, making it easy for you to enjoy our range of services tailored just for you. At State Employees', we prioritize your needs, offering competitive rates on loans and savings products that help you thrive financially. Getting started is simple! You can check the detailed eligibility criteria by visiting http://www.ncsecu.org/join#eligibility. If you're ready to open an account, just head over to https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. Should you have any questions or need assistance, feel free to give us a call at (919) 839-5472. We're excited to help you take this step toward financial empowerment at State Employees', located at 1000 Wade Ave Raleigh Nc 27605!

Business Banking & Commercial Services

Comprehensive Merchant Services

In addition to our lending options, we offer merchant services designed to streamline your transactions. Picture this: a customer walks into your store, makes a purchase with their card, and the payment is processed instantly leaving you free to focus on what you do best: running your business. Our merchant services take the hassle out of payments, allowing you to provide a smooth checkout experience. If you're looking for a partner that truly understands your needs as a business owner, visit us at 1000 Wade Ave Raleigh Nc 27605 in Raleigh, NC or call us at (919) 839-5472. Let's work together to make your business dreams a reality!

Tailored Loan Options

Imagine having the financial backing to expand your operations, hire new staff, or invest in the latest technology. 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

Accessibility

Whether you're visiting us at our location or accessing services online, we're here to make banking easy for you. Our branch includes an ATM for quick access to cash and offers essential drive-thru banking services. If you're ready to take control of your financial future with personalized support from State Employees', don't hesitate to reach out! Give us a call at (919) 839-5472 or visit us at Raleigh - Wade Ave. Join us today and discover all the ways we can help enhance your financial journey!

Business Banking Services

For our business members, we offer comprehensive solutions including Business Banking, which encompasses merchant services and business loans designed to fuel growth and simplify operations. We know how important it is for businesses to have reliable financial support.

Credit Card Options

Our credit cards come with rewards that suit your spending habits, allowing you to earn points while shopping for everyday essentials or treating yourself. This way, every purchase brings you closer to rewards you'll love.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking services. You can check your balance, pay bills, and transfer funds anytime from anywhere using our user-friendly app. With features like ATM access for quick cash withdrawals and basic drive-thru banking for deposits and simple transactions, we ensure that managing your finances is always within reach.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking options like checking and savings accounts that help you keep your money organized and accessible. Imagine easily tracking your spending with a checking account that fits your lifestyle or saving for a special occasion with a high-yield savings account. Our Auto Loans & Vehicle Financing options mean you can hit the road in no time, whether you're buying new or used. If you're considering buying a home, our Mortgage Loans & Refinancing services can help guide you through the process, ensuring you find the right fit for your financial goals. For those moments when unexpected expenses arise, our Personal Loans & Debt Consolidation can provide relief and flexibility, making it easier to manage what life throws your way.

Digital & Online Banking

Key Services

With our robust online banking platform, available at https://www.ncsecu.org/, you can easily check your account balances, transfer funds, and pay bills all at your fingertips. Our 24/7 online banking services ensure that whether it's day or night, you have access to your accounts whenever you need them. For those who prefer mobile convenience, our user-friendly mobile application is ready for download. It allows you to manage your finances wherever life takes you. You can also enjoy the ease of mobile payments, making transactions as simple as a tap on your phone.

Security and Convenience

Security is a top priority at State Employees'. We offer electronic signature authorization to streamline the process of signing documents securely online. Plus, our e-statements provide an eco-friendly way to stay updated on your account without the clutter of paper statements. While we currently do not support person-to-person transfers, our other features make it easy to handle everyday banking tasks with confidence and ease. Experience the freedom of managing your finances seamlessly with State Employees''s digital banking options. For more information or to get started today, visit us at https://www.ncsecu.org/!

Financial Strength

Dedicated Team

Our strength lies not only in numbers but also in our people. We take pride in having 7,729 full-time employees and 529 part-time employees who are dedicated to providing you with exceptional service every day.

Growing Membership Base

Our commitment to excellence is further highlighted by our growing membership base of 5,850,875 accounts. This number reflects the trust that our members place in us to manage their finances effectively. 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 1000 Wade Ave Raleigh Nc 27605 or call (919) 839-5472 to learn more about how we can help you achieve your financial goals.

Lending Capacity

We understand that financing can play a critical role in achieving your goals. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, our lending capacity supports members' financial needs across various sectors. Our operational efficiency is evident with a reported $2,145,244, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member Savings and 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.

Reinvestment in Member Services

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 commitment to your financial well-being is reflected in our diverse offerings.

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. 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

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 reliable used vehicle or a brand-new model, our financing solutions can make it easier for you to drive away happy.

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 are committed to helping you navigate the mortgage process smoothly so that you can focus on what really matters making your house a home.

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. Our credit cards come with rewards and benefits tailored to fit your lifestyle, making it easier for you to stay on track financially. If you're considering refinancing any existing loans or are unsure about eligibility options, our knowledgeable staff is here to assist you. We pride ourselves on transparency and will guide you through every step of the process. For more information or to discuss which loan option might be best for you, please reach out to us at (919) 839-5472. Visit us at State Employees', where our team is ready to help you find the right financial solution tailored just for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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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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