Type of Loan Offerings
Mortgage Loans
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Personal Loans
Vehicle Loans
Introduction
Welcome to State Employees' Credit Union, your trusted financial partner in Raleigh, NC. Established in 1937, we have proudly served our community for over eight decades, growing alongside our members and helping them achieve their financial goals. Located at 12700 Spruce Tree Way, we are committed to providing personalized service that makes banking convenient and accessible for everyone. With a strong membership base of over 2.8 million, we understand the unique needs of our members and strive to create solutions tailored just for you. Our total assets have reached an impressive $57,229,286,839, showcasing our stability and strength as a financial institution. We take pride in offering competitive rates on loans currently totaling 1,194,630 and deposits amounting to $7,866,265,767. Our team is led by CEO Leigh Brady and Board President Mona Moon, both dedicated to fostering a welcoming environment where every member feels valued. With over 8,258 employees working diligently to serve you better, we ensure that you receive the attention and support you deserve. While members can visit us at our branch address for all your banking needs, official correspondence should be sent to our mailing address at 12700 SPRUCE TREE WAY, RALEIGH, NC 27614. We invite you to explore our wide range of services from personal banking options like checking and savings accounts to auto loans and business banking solutions. Ready to take the next step? Call us today at 919-562-0506 or visit our website at ncsecu.org for more information on how we can assist you on your financial journey. Join us in making the most out of your banking experience with State Employees' Credit Union!
Branch History & Mission
Join Us
As we look toward the future, we invite you to become part of our growing family at State Employees'. Experience firsthand the dedication we have towards not only meeting your financial needs but also enriching the lives of those around us. Visit us today at 12700 Spruce Tree Way Raleigh Nc 27614 or give us a call at (919) 562-0506 to learn more about what we can do for you. Together, let's build a brighter tomorrow!
Mission Statement
At State Employees', our mission is clear: to deliver exceptional financial services while fostering strong community ties. We believe in supporting local initiatives, partnering with organizations that share our values of inclusivity and sustainability. We are committed to serving not just as a financial institution but as an active participant in the well-being of Raleigh. While members can visit us at 12700 Spruce Tree Way Raleigh Nc 27614, official correspondence should be sent to 12700 SPRUCE TREE WAY, RALEIGH, NC 27614. This ensures that we remain connected with you, no matter how you choose to reach out. We also understand the importance of accessibility. Our facilities meet ADA standards, ensuring that all members can enjoy our services without barriers. We continually seek ways to enhance your experience, be it through online banking or mobile payments.
Our Story
State Employees' started with a simple mission: to provide financial services that empower our members and uplift our community. Over the years, we have expanded our offerings, embracing technological advancements while maintaining our focus on personalized service. Whether it's through traditional banking or modern digital solutions, our goal remains steadfast: to help you achieve your financial dreams. Our branch is not just a place for transactions; it's where relationships are built. We take pride in being part of your financial journey, whether you are opening your first savings account or securing a loan for your dream home. With convenient operating hours from 8:30 AM to 5:30 PM and both ATM access and drive-thru services available, we strive to make banking accessible for everyone.
Branch Location & Accessibility
Accessibility and Parking
We understand how important accessibility is for our members. Our branch is fully ADA compliant, featuring ramps and other accommodations to ensure everyone can easily access our services. Plus, ample parking is available right outside our doors, so you won't have to worry about finding a spot when you visit.
Operating Hours
We are open Monday through Friday from 8:30 AM to 5:30 PM, providing you plenty of time during the week to come in and take care of your banking needs. Whether you're looking to set up a new account, apply for a loan, or just chat with one of our knowledgeable staff members, we're here for you.
Services Offered
At State Employees', we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? Our ATM is available for quick withdrawals and balance checks any time you need it. If you'd prefer a face-to-face experience, our drive-thru service allows for simple transactions without leaving your car. While members can visit us at 12700 Spruce Tree Way, official correspondence should be sent to the same address as there is no different mailing address. For any inquiries or assistance, feel free to call us at 919-562-0506. We invite you to stop by and discover how we can help you achieve your financial goals. Your satisfaction is our priority, and we look forward to serving you soon!
Member Eligibility
Welcome to the community at State Employees'! We're thrilled that you're considering joining us. Membership is open to anyone who works for or is affiliated with certain groups, including state employees and their families, as well as those who live in our service area. This means if you have a connection to these groups, you could easily become part of our family. Being a member at State Employees' not only gives you access to a wide range of financial services but also connects you with a supportive network that truly cares about your financial well-being. Opening an account is simple! You can start your journey towards membership by visiting our website for more details on eligibility and the account opening process. If you need any assistance, don't hesitate to reach out to us at (919) 562-0506. For the most up-to-date information about eligibility criteria, check out this link: http://www.ncsecu.org/join#eligibility. Join us today and experience the benefits of being part of something special right here at 12700 Spruce Tree Way Raleigh Nc 27614!
Business Banking & Commercial Services
Business 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.
Merchant Services
Imagine being able to accept payments easily while focusing on what you do best running your business. Our merchant services provide practical solutions that streamline transactions, allowing you to serve your customers efficiently. From point-of-sale systems to online payment processing, we offer the tools you need to thrive in today's marketplace. If you're ready to elevate your business, visit us at 12700 Spruce Tree Way Raleigh Nc 27614 in Raleigh, NC, or give us a call at (919) 562-0506. Let's work together to turn your vision into reality!
Comprehensive List Of Services
Additional Services
We also offer basic banking features through our Drive-Thru Banking for simple transactions like deposits and withdrawals, ensuring you can manage your finances efficiently without leaving your car. If you have any questions or need assistance choosing the right services for you, feel free to reach out! You can contact us at (919) 562-0506 during regular business hours from 8:30 AM to 5:30 PM. Our team is here to help you navigate your financial journey with ease. Ready to take the next step? Visit us at Raleigh - Wakefield or check out more about our services online at our website. We look forward to serving you!
Business Banking
For our business members, we provide tailored solutions through our Business Banking services. From Merchant Services that simplify payment processing to Business Loans designed to fuel your growth, we have what it takes to support your entrepreneurial journey.
Digital Banking and Accessibility
In today's fast-paced world, convenience matters. That's why we prioritize digital banking through our robust Online & Mobile Banking platforms. Access your accounts anytime, anywhere, pay bills, transfer funds, and even deposit checks right from your smartphone. Our ATMs are available for quick cash withdrawals and balance checks without the hassle of waiting in line.
Personal Banking
Our personal banking services include Checking & Savings Accounts that cater to various lifestyles and financial habits. Whether you're saving for a special purchase or managing day-to-day expenses, our accounts offer features like competitive interest rates and online access. If you're in the market for a vehicle, our Auto Loans & Vehicle Financing options can help you get behind the wheel with affordable rates and flexible terms. Need a new home? Our Mortgage Loans & Refinancing services make the home-buying process smoother and more accessible. We understand that life can bring unexpected expenses, which is why we also offer Personal Loans & Debt Consolidation options to help you get back on track financially. Plus, enjoy the benefits of our Credit Cards with Rewards, allowing you to earn points on purchases you already make.
Digital & Online Banking
Key Features
Our online banking service allows you to view balances, make transfers, and pay bills easily. If you prefer to manage your accounts on your smartphone, our mobile application provides an intuitive interface that makes banking even more accessible. You can also take advantage of mobile payments, making transactions with just a tap perfect for those spontaneous purchases or when you're out and about. Security is a top priority for us. We provide electronic signature authorization for easy approvals without compromising safety. Plus, e-statements are available, allowing you to keep track of your finances while reducing paper clutter. You'll find that every feature is designed with user-friendliness in mind.
Real-Time Management
With features like person-to-person transfers currently unavailable, we still ensure that managing your finances remains straightforward. Our online banking service keeps you informed in real time, so you always know where you stand financially. Whether it's checking your account balance or reviewing recent transactions, everything is just a click away. Whether you're at home or on the move, State Employees' is committed to providing you with accessible and efficient banking solutions that make life easier. Dive into our digital services today and experience the convenience of modern banking!
Financial Strength
Growing Member Base
The trust placed in us by our members is evident as we proudly serve 5,850,875 share accounts. This growing member base reflects the confidence you have in State Employees', further solidifying our position as your trusted partner in finance. 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 12700 Spruce Tree Way Raleigh Nc 27614 or call (919) 562-0506 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.
Members’ Savings Are Secure
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.
Operational Efficiency
Our operational efficiency is highlighted by a net income of $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.
Reinvestment for Growth
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 ability to provide support is reflected in our lending capacity; with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we're dedicated to helping our members achieve their financial goals across various sectors.
Strong Financial Position
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.
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 considering financing for a brand-new model or a reliable used vehicle, we have options that can fit your budget and lifestyle.
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 provide personalized assistance to help you navigate the process and find the right mortgage solution for your situation.
Refinancing Options
If you're already carrying debt from another lender, consider our refinancing options. We can work with you to lower your interest rates or adjust your payment terms to better suit your current financial situation. For any questions or to explore these options further, feel free to reach out to us at (919) 562-0506 or visit us at our branch located at 12700 Spruce Tree Way Raleigh Nc 27614, Raleigh, NC. 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 aspirations today!
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 can be particularly useful for covering unexpected expenses or making larger purchases without tying up your savings.
Loan Aggregator
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