Nc State Employee Credit Union

In the thriving Raleigh community, the State Employees' Credit Union branch at 3101 Wake Forest Rd offers a welcoming ATM services-only location designed to keep you connected to essential banking needs. Open Monday through Friday from 8:30 AM to 5:30 PM, this convenient spot allows members quick access to cash withdrawals and balance inquiries during busy days. While there’s no drive-thru or onsite teller service here, you remain fully supported by SECU’s trusted financial solutions—including some of the best auto loans with flexible financing options and competitively low mortgage rates that help make your homeownership dreams a reality.
Serving nearly 2.85 million members across North Carolina with assets exceeding $57 billion, State Employees’ Credit Union is committed to empowering your financial goals every step of the way. Though this branch focuses on ATM services only, you can easily manage your accounts through secure online and mobile banking platforms anytime, anywhere. Whether you need quick cash access or want to explore affordable vehicle financing or mortgage options, this Raleigh location connects you seamlessly to personalized service rooted in community values.
Visit the State Employees’ Credit Union branch at 3101 Wake Forest Rd or call 919-839-5018 today to experience local service made simple. Discover how our signature auto loans and mortgage offerings can accelerate your path toward financial success!

Type of Loan Offerings

mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10-Year Fixed Rate
5.3 - 5.5 %
5.518 - 5.719 %
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
5-Year ARM
5.5 - 6.15 %
5.591 - 6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
15-Year Fixed Rate
5.5 - 5.8 %
5.654 - 5.955 %
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
First-Time Homebuyer's (5-Year ARM)
6.15 %
6.456 %
5.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed Rate
6.2 - 6.75 %
6.325 - 6.878 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed Rate
6.5 %
6.596 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share-secured
3.1 - 6.75 %
2 - 10 Yrs
Share-secured term note
6.5 %
0.5 Yrs
Closed-end fixed rate
9.25 - 12.75 %
2 - 6 Yrs
Signature term note
11.75 %
0.5 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
5 % - 7.5 %
3 Yrs
Auto
5.25 % - 7.75 %
4 Yrs
Auto
5.5 % - 8 %
5 Yrs
Auto
5.75 % - 8.25 %
6 Yrs
Auto
6.5 % - 9 %
7 Yrs
Auto
7.25 % - 9.75 %
8 Yrs

Introduction

Welcome to State Employees', your trusted credit union located at 3101 Wake Forest Rd, Raleigh, NC 27609. Since our establishment in 1937, we have been dedicated to serving the financial needs of our community with integrity and care. With a total membership exceeding 2.8 million, we pride ourselves on being a cornerstone of support for individuals and families throughout North Carolina. At State Employees', we understand that every member has unique financial goals. That's why we offer a wide range of services designed to help you thrive whether you're looking to save for a dream home, invest in your future, or secure a loan that fits your lifestyle. Our total assets stand at an impressive $57,229,286,839, with $7,866,265,767 in deposits reflecting the trust our members place in us. Led by our CEO, Leigh Brady, and Board President, Mona Moon, our team of over 8,200 employees is committed to providing you with exceptional service. We are proud to maintain a net worth of $5,446,832,560 and ensure financial stability and growth for all our members. While members can visit us at our branch address for personal assistance and consultations, official correspondence should be directed to the same location: 3101 Wake Forest Rd, Raleigh, NC 27609. Explore the many ways we can support your financial journey today! For inquiries or assistance, don't hesitate to call us at 919-839-5018 or visit our website at ncsecu.org. Your future starts here!

Branch History & Mission

At State Employees' Credit Union, we take pride in our rich history and commitment to serving our members and community. Founded in 1937, our branch has grown alongside the people of Raleigh, NC, evolving from humble beginnings into a vital financial institution with over 2.8 million members. Located at 3101 Wake Forest Rd, Raleigh, NC 27609, our branch is easily accessible and positioned near notable landmarks that reflect the spirit of our vibrant community. Over the years, we have steadily built a strong foundation of trust and support for our members. With total assets exceeding $57 billion, we provide a range of financial services designed to help individuals and families achieve their goals. Our mission is clear: to enhance the economic well-being of our members through affordable financial products and personalized service while actively contributing to the communities we serve. While members can visit us at 3101 Wake Forest Rd for all their banking needs, official correspondence should be sent to our mailing address at the same location. Our dedicated team is available during operating hours from Monday to Friday, 8:30 AM to 5:30 PM, ensuring that you receive prompt assistance whenever you need it. As a forward-thinking credit union, we embrace digital advancements that make banking easier for everyone. We offer online banking and mobile payments, allowing members to manage their finances conveniently from anywhere. Our commitment to accessibility extends beyond technology; we ensure that all services are compliant with ADA standards so that every member feels welcome. Community outreach is at the heart of our mission. We engage in various partnerships and initiatives aimed at improving local lives. From financial education workshops to supporting local charities, State Employees' Credit Union believes in giving back to those who have supported us throughout our journey. We invite you to join State Employees' Credit Union today and experience firsthand how we can help you achieve your financial dreams while being part of a supportive community. Whether you're looking for loans, savings accounts, or expert advice, we're here for you because together, we can build a brighter future!

Branch Location & Accessibility

Welcome to State Employees' at our convenient location on Wake Forest Road in Raleigh, NC! Nestled in the heart of Wake County, our branch is easily accessible and close to several well-known landmarks, making it a great spot for all your banking needs. Whether you're visiting us for a quick transaction or to explore our range of services, we're here to help. Our branch is located at 3101 Wake Forest Rd, where you'll find ample parking available for your convenience. We've designed our space with accessibility in mind, ensuring that everyone can easily visit us. While you're here, take advantage of our dedicated lobby hours from 8:30 AM to 5:30 PM, Monday through Friday. Our friendly staff is ready to assist you with any questions or services you may need. For any official correspondence, please note that you can send mail to our address, which is the same as our branch address: 3101 Wake Forest Rd, Raleigh, NC 27609. While we currently do not offer ATM services or drive-thru banking at this location, we invite you to explore the various services we do provide. From personal loans to account management, we're committed to helping you achieve your financial goals. Have questions? Feel free to give us a call at 919-839-5018. We look forward to welcoming you soon!

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is simple and welcoming, and it's open to those who work for or are affiliated with specific organizations, as well as their family members. If you're interested in joining us at our branch located at 3101 Wake Forest Rd Raleigh Nc 27609, you'll find that the eligibility criteria are straightforward and inclusive. To learn more about what it takes to become a member, feel free to check out the detailed information available at http://www.ncsecu.org/join#eligibility. Once you've confirmed your eligibility, opening an account is just as easy! You can start the process online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance along the way, don't hesitate to give us a call at (919) 839-5018. We're here to help you every step of the way as you take this exciting step towards better financial services with State Employees'!

Business Banking & Commercial Services

At State Employees', we understand that every business journey is unique. Whether you're just starting out or looking to expand your established enterprise, our tailored business banking and commercial services are designed to support your growth every step of the way. Imagine a local café owner who dreams of expanding their menu and opening a second location. With our member commercial loans, we've funded over $0 in commercial loans for our members, helping businesses like theirs scale and succeed. We know that access to capital can make all the difference, allowing entrepreneurs to take their ideas from concept to reality. But our support doesn't stop there. We also recognize the needs of businesses beyond our membership. For the broader community, we provide $0 in non-member commercial loans, ensuring flexible financing solutions are available for all. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses throughout Raleigh, NC. When you partner with us, you're not just getting a loan; you're gaining a committed ally in your business success. Visit us at 3101 Wake Forest Rd Raleigh Nc 27609 or call us at (919) 839-5018 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Accessibility When You Need It

We understand that life doesn't always stick to regular hours, which is why we offer flexible options for accessing your accounts. Although currently providing ATM Services Only, you can rely on us during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM for any assistance you may need.

Community-Centric Approach

Being part of the community is at the heart of what we do. We strive to build lasting relationships with our members by offering tailored financial advice and support. Have questions about saving strategies or planning for retirement? Our knowledgeable staff is here to help guide you every step of the way.

Digital Banking Convenience

In today's fast-paced world, managing finances online has become essential. At State Employees', we understand this need. Our robust digital banking features empower you to take control of your finances from anywhere. You can easily check balances, transfer money, and pay bills through our user-friendly online banking platform. Plus, with mobile payments and an intuitive mobile application, handling your finances on the go has never been easier.

Get Started Today!

If you're ready to experience personalized service and comprehensive financial solutions, don't hesitate to reach out! Call us at (919) 839-5018 for more information about how we can assist you in reaching your financial goals. Visit us at Wake Forest Road and let's start building a brighter financial future together!

Personalized Banking Solutions

Whether you're looking to save for a dream vacation, purchase a new car, or simply manage your day-to-day expenses, we have you covered. Our offerings include traditional banking services such as savings accounts and checking accounts, designed with your unique financial situation in mind. Imagine having easy access to your funds through our ATM Services Only, allowing you to withdraw cash whenever you need it without the hassle of long lines.

Digital & Online Banking

Mobile Convenience at Your Fingertips

For those who prefer banking on the move, our mobile application provides all the tools you need right in your pocket. From checking balances to making mobile payments, managing your money is as simple as tapping on your smartphone. Need to send money to a friend? While we currently don't offer person-to-person transfers, our mobile app streamlines other transactions effortlessly.

Online Banking Made Easy

Our 24/7 online banking services allow you to check your account balance, transfer funds, and pay bills from the comfort of your home or on the go. You can sign up for e-statements and enjoy paperless banking without the hassle of waiting for mail delivery. Plus, with our electronic signature authorization feature, signing documents has never been simpler or safer.

Security You Can Trust

Your security is our top priority. Our online banking platform uses advanced encryption technology to keep your information safe while ensuring that you have complete control over your accounts. With easy-to-navigate features and robust security measures in place, you can bank with confidence. Whether you're looking to manage daily expenses or save for future goals, State Employees''s digital and online banking services provide the flexibility and accessibility you need. Experience modern banking that fits into your lifestyle by visiting us today at https://www.ncsecu.org/!

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. Our commitment to providing you with trustworthy services is reflected in our robust financial standing. 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 is further highlighted by our net worth ratio of $971, demonstrating a solid capital foundation. This ensures 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. Our financial strength is also evident in our $133,577,509 in undivided earnings. We reinvest these earnings into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. Additionally, we 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. Net Shares (Funds available for lending and investments): $574,556,810. Total Share and Deposit Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. 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 3101 Wake Forest Rd Raleigh Nc 27609 or call (919) 839-5018 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.

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 it's for a new or used vehicle, our flexible terms ensure you find an option that fits your budget.

Credit Lines and Unsecured Loans

For those who need quick access to funds, our credit lines provide flexibility when managing expenses. Additionally, we have flexible terms on unsecured credit card loans, with a total of $1,177,171,541 in loans helping members manage their finances effectively. These options allow you to handle unexpected costs without added stress.

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 competitive rates and personalized service to guide you through the process every step of the way.

Refinancing Options

If you're considering refinancing your existing loans, we can help with that too. Our team is here to discuss eligibility options and find solutions that work for you. Refinancing can lower your monthly payments or help you pay off debt faster. Whether you're interested in auto financing or preparing for homeownership, our dedicated team at State Employees', located at 3101 Wake Forest Rd Raleigh Nc 27609, Raleigh, NC, is ready to assist you. Feel free to reach us at (919) 839-5018 during our operating hours from Monday to Friday, 8:30 AM - 5:30 PM. Explore how our loan offerings can support your financial journey today! 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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