Nc State Employee Credit Union

In the heart of Raleigh’s bustling Six Forks corridor, the State Employees’ Credit Union branch at 3808 Six Forks Rd offers a convenient 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 spot provides quick access for cash withdrawals and balance inquiries—perfect for busy members managing everyday finances. While no drive-thru or onsite teller services are available here, you can still enjoy seamless access to SECU’s trusted financial products, including some of the best auto loans with flexible terms and competitively low mortgage rates that make buying your next car or home more attainable.
Serving nearly 2.85 million members statewide and overseeing assets exceeding $57 billion, State Employees’ Credit Union is deeply committed to helping North Carolinians achieve their financial goals with personalized service and robust digital banking options. Whether you’re stopping by for fast ATM access or ready to explore affordable vehicle financing and mortgage solutions, this Raleigh location connects you directly to SECU’s full range of benefits.
Visit the State Employees’ Credit Union branch at 3808 Six Forks Rd today to experience convenient ATM services and start discovering how our signature auto loans and mortgage products can support your financial future!

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' Credit Union, your trusted partner in financial services since 1937. Located at 3808 Six Forks Rd, Raleigh, NC 27609, we are proud to serve our vibrant community with a commitment to excellence and member satisfaction. With a total membership of over 2.8 million members, we understand the importance of building strong, lasting relationships with those we serve. At State Employees', we have grown significantly over the years, now boasting total assets of $57.2 billion and total deposits exceeding $7.8 billion. Our financial strength is reflected in our net worth of $5.4 billion and cash in hand amounting to $708.7 million. These figures highlight not just our stability but also our ability to support you with an extensive range of loan options, totaling over 1.19 million loans and leases. Our leadership team, led by CEO Leigh Brady and Board President Mona Moon, is dedicated to fostering a welcoming environment for all members. With nearly 8,300 employees, we strive to provide personalized service that meets your unique financial needs. While members can visit us at our branch for assistance or inquiries, official correspondence should be sent to the same address: 3808 Six Forks Rd, Raleigh, NC 27609. We invite you to explore our website at ncsecu.org for more information on our products and services. Join us in building a brighter financial future together! For questions or support, don't hesitate to reach out via phone or visit us during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM. Your journey towards financial success starts here!

Branch History & Mission

Commitment to Innovation

In addition to our traditional banking services, we are committed to embracing technology that makes banking easier for you. From online banking options to mobile payments, we ensure that your experience with us is convenient and secure. Accessibility is important; that's why we're proud of our ADA-compliant facilities designed for every member of our community. We invite you to join us at State Employees' Credit Union, where you will find more than just a place for your finances discover a supportive community ready to help you achieve your goals. Together, let's build a brighter future! For more information or to become a member today, please visit our website.

Our Journey

Since our inception, State Employees' Credit Union has evolved to meet the changing needs of our members. What started as a small cooperative aimed at providing affordable loans has transformed into one of the largest credit unions in the nation. Throughout the years, we've prioritized member satisfaction and community welfare, ensuring that everyone who walks through our doors feels valued and supported. Our commitment extends beyond just financial transactions. We engage in meaningful partnerships with local organizations and participate in various outreach initiatives that uplift our community. Our mission is not only to provide exceptional financial products but also to foster a sense of belonging and support among our members.

Our Mission

At the heart of State Employees' Credit Union lies a simple yet powerful mission: to improve the lives of our members by offering them accessible financial services while giving back to the communities we serve. We understand that financial health is crucial for personal well-being, and we strive to empower our members with resources and guidance tailored to their unique needs. While you can visit us at 3808 Six Forks Rd, official correspondence should be sent to 3808 Six Forks Rd, Raleigh, NC 27609 if it differs from your visit location. Our branch operates Monday through Friday from 8:30 AM to 5:30 PM, ensuring we are here when you need us most.

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility for all our members. Our branch features ADA-compliant ramps and parking spaces designed to accommodate everyone comfortably. When you arrive, you'll find ample parking available right outside our doors, allowing for a smooth visit.

Operating Hours

At State Employees', we value your time. Our lobby hours are Monday through Friday from 8:30 AM to 5:30 PM, ensuring you have plenty of opportunities to come by when it's convenient for you.

Services Offered

While we currently do not offer ATM services or drive-thru banking at this location, our friendly team is always ready to assist you inside the branch with any of your banking needs. From opening new accounts to answering questions about loans and deposits, we strive to make your experience as pleasant as possible. Feel free to give us a call if you have any questions or need assistance before your visit! We can't wait to welcome you into our branch and help you achieve your financial goals!

Member Eligibility

Joining the State Employees' community is more than just opening a bank account; it's about becoming part of a supportive network that values your financial well-being. If you're interested in membership, you'll be pleased to know that eligibility is accessible for many. Typically, individuals who are employed by or have a connection to the state government can become members. This includes not only current employees but also retirees and their family members. It's our mission to provide a welcoming space for everyone, so if you're looking to enhance your financial journey with us, we invite you to explore all the benefits of membership at State Employees'. The process of becoming a member is simple and straightforward! You can find detailed eligibility criteria by visiting this link, which outlines everything you need to know. If you're ready to open an account, check out our easy online enrollment process at this page. Should you have any questions, feel free to reach out at . We're here to help you every step of the way as you take this exciting step towards financial empowerment!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

In addition to loans, we offer essential merchant services designed for real-world applications. Whether you're processing payments or managing cash flow, our services simplify daily operations so you can focus on what matters most growing your business. Located at 3808 Six Forks Rd Raleigh Nc 27609 in Raleigh, NC, we're here to partner with you on your journey towards success. Let's build a brighter future together!

Our Commitment to Business Growth

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

Emphasis on Convenience

At State Employees', we know that life gets busy. That's why we've made it easy for you to manage your finances digitally. With mobile payments and a user-friendly mobile application, handling your transactions is just a tap away. Plus, our e-statements provide an eco-friendly way to keep track of your accounts without cluttering your inbox with paper statements. Whether you're opening a new account or simply checking in on your existing services, our friendly team is here to help during our lobby hours from Monday to Friday, 8:30 AM to 5:30 PM. Your financial journey matters to us, and we're committed to making it as smooth as possible. If you're curious about how we can assist you further or if you have questions about specific services, don't hesitate to reach out! Call us at or visit our website at https://www.ncsecu.org/ for more information. Your financial goals are within reach at State Employees' let's achieve them together!

Our Services

One of our standout offerings is ATM Services Only, designed for your convenience. Picture this: it's a busy Saturday morning, and you need cash for a family outing. With our accessible ATM services, you can quickly withdraw funds without hassle, allowing you more time to enjoy your day. We prioritize digital banking as well, understanding how important it is for our members to access their accounts anytime, anywhere. You can take advantage of online banking features that let you check balances, transfer funds, and pay bills from the comfort of your home or on the go.

Digital & Online Banking

Key Features

Our online banking services let you view your account balances, transfer funds, and pay bills with just a few clicks. You can also sign up for e-statements, which means no more paper clutter just easy access to your financial records right from your computer or mobile device. Plus, with electronic signature authorization, signing documents is simple and secure. If you're always on the go, our mobile application is here to help. It offers the same great features as our online banking service but fits right in your pocket! You can manage your accounts, make mobile payments, and keep track of your transactions wherever life takes you.

Security and Accessibility

We prioritize your security with robust measures in place to protect your information. Our systems are designed to keep your data safe while providing an easy-to-use interface that anyone can navigate. Whether you're familiar with technology or not, you'll find our services user-friendly. Additionally, while person-to-person transfers aren't currently available, we're continuously looking for ways to enhance our offerings. Our goal is to ensure that every member has access to real-time account management without any hassle. Experience the ease and comfort of modern banking at State Employees' today! Sign up for online banking or download our mobile app now, and discover how we can help simplify your financial life.

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 proud to share our financial strength with you, ensuring that your trust in us is well-placed. 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 $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, stronger lending options, and enhanced security measures 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 members' financial goals across various sectors. Our operational efficiency is reflected in our $0, 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. Net Shares (funds available for lending and investments) stand at $574,556,810, while Total Share Accounts have reached 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 3808 Six Forks Rd Raleigh Nc 27609 or call 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. We provide flexible terms and competitive rates, making it easier than ever to get behind the wheel of your dream vehicle.

Credit Lines and Refinancing Options

For those looking for additional flexibility, our total credit lines amount to $18,909,000,000, providing access to funds when you need them most. If you're considering refinancing any existing loans, our team can assist you in exploring eligibility options that could potentially lower your payments or free up cash flow. We invite you to reach out to us at or visit us at 3808 Six Forks Rd Raleigh Nc 27609 in Raleigh, NC, where our friendly staff will be happy to assist you further. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals!

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 work with you every step of the way to ensure that you understand your options and feel confident in your decisions.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is 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, our credit cards come with benefits tailored for convenience and ease.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means you receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). By using verified financial institutions, LendMesh guarantees that the information you see is both trustworthy and up-to-date.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: Unlike many other comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for all users. - Real-Time Rate Comparisons: With access to the latest loan rates from multiple institutions, users can easily compare options and make informed choices that suit their needs. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial underscores the effectiveness of our platform in helping borrowers secure better rates. Ready to find the best loan offers? Compare real-time loan offers today at LendMesh and discover the most suitable rates for your financial 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.*

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