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

Introduction

Welcome to State Employees' Credit Union, your trusted financial partner located at 7725 Midtown Market Ave, Raleigh, NC 27616. Since our establishment in 1937, we have proudly served our community with a commitment to helping our members achieve their financial goals. With a robust membership of over 2.8 million, we are dedicated to providing personalized banking solutions tailored to meet your needs. At State Employees', we understand that financial decisions can be overwhelming, which is why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our total assets of $57,229,286,839 reflect our stability and strength in the industry, ensuring that you can bank with confidence. Our leadership team is here to support you every step of the way. Led by CEO Leigh Brady and Board President Mona Moon, our dedicated staff of 8,258 employees is committed to delivering exceptional service. Whether you prefer online banking or visiting us in person at our branch, we're here to help you navigate your financial journey. While members can visit us at 7725 Midtown Market Ave, official correspondence should be sent to the same address for clarity. We invite you to explore all that State Employees' Credit Union has to offer. With total deposits exceeding $7,866,265,767 and a net worth of $5,446,832,560, we're well-equipped to serve our community's diverse needs. Feel free to reach out at 919-326-5721 or visit our website at ncsecu.org for more information on how we can assist you today! Join us as we continue to foster financial growth and success for every member of our community.

Branch History & Mission

Join Us

We invite you to experience the benefits of membership at State Employees' Credit Union. With nearly 2.9 million members relying on us for their financial needs, you can trust that you're joining a community dedicated to your success. Explore how we can help you achieve your financial goals today! For more information about membership eligibility or to open an account online, please visit our website or call us at (919) 326-5721. Together, let's build a brighter financial future!

Our Journey

Our journey began with a simple mission: to provide financial services that empower individuals and families to achieve their goals. Over the decades, we've adapted to the evolving needs of our members while remaining true to our core values. From personal banking products like checking and savings accounts to auto loans and mortgages, we've expanded our offerings based on what matters most to you. As we grew, so did our outreach efforts. We recognized that being a responsible financial partner means giving back. That's why we actively engage in community service initiatives and partnerships aimed at improving the lives of those around us. Whether it's through financial education programs or local sponsorships, we strive to make a positive impact in Raleigh and beyond.

Our Mission

At State Employees' Credit Union, our mission is clear: to provide exceptional financial services while fostering a strong sense of community among our members. We believe that when individuals are financially secure, they can contribute positively to society. This belief drives everything we do from offering competitive rates on loans to providing accessible digital banking solutions that meet your needs anytime, anywhere. While members can visit us at 7725 Midtown Market Ave for all their banking needs, official correspondence should be sent to 7725 Midtown Market Ave, Raleigh, NC 27616-8082. Our branch operates Monday through Friday from 8:30 AM to 5:30 PM. For added convenience, we also offer ATM access and drive-thru banking services.

Branch Location & Accessibility

Welcome to the State Employees' branch at 7725 Midtown Market Ave, Raleigh, NC! Our location is designed with your convenience in mind, making it easy for you to access all the financial services you need. Nestled in a vibrant area of Raleigh, we are close to popular landmarks and offer ample parking to ensure your visit is smooth and hassle-free. While members can visit us at 7725 Midtown Market Ave, official correspondence should be sent to the same address. Our branch is fully ADA-compliant, featuring ramps and accessible entrances so that everyone can feel welcome. We're proud to offer a variety of services tailored just for you. Whether you're interested in personal banking, auto loans, or even business banking solutions, our friendly staff is here to help. Enjoy the ease of drive-thru banking for quick deposits and withdrawals, or use our ATM for cash withdrawal and balance checks anytime you need. Our operating hours are from 8:30 AM to 5:30 PM, Monday through Friday, giving you plenty of time during the week to stop by or give us a call at 919-326-5721 with any questions. We encourage you to come visit us soon and discover how we can assist you on your financial journey!

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a supportive and thriving community. Becoming a member is simple and welcoming! If you live, work, or go to school in North Carolina, you're already eligible to join us. We also embrace family members of existing members, making it easy to bring your loved ones into our fold. Our dedicated team is here to help you navigate the process, and you can find more detailed eligibility information by visiting this link. Once you're ready to take the next step, opening an account is a breeze! Just head over to our online application at this page, or give us a call at (919) 326-5721 if you have any questions. Join us at 7725 Midtown Market Ave Raleigh Nc 27616 and start enjoying the many benefits of membership today like personalized service, competitive rates, and a community that truly cares about your financial well-being!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable way to accept payments, manage cash flow, and enhance customer experience all while saving money on transaction fees. Our merchant services are designed with your needs in mind, allowing you to focus on what you do best: running your business. From point-of-sale systems to online payment options, we provide the tools necessary for success. Located at 7725 Midtown Market Ave Raleigh Nc 27616, Raleigh, NC 27616, we're here to help you navigate your financial journey. For more information or to get started, contact us at (919) 326-5721 today!

Tailored Loan Solutions

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

Business Banking

For entrepreneurs and small business owners, our business banking services provide essential tools such as merchant services and business loans. We're here to support your growth with flexible financing solutions that cater to your specific needs.

Drive-Thru Banking

If you prefer face-to-face interactions but need quick service, our basic drive-thru banking option ensures that deposits, withdrawals, and simple transactions can be handled efficiently without leaving your vehicle. At State Employees', we aim to create an accessible and friendly environment where all members feel valued. With our comprehensive suite of services from personal banking to business solutions you're never alone on your financial journey. Ready to take the next step? Give us a call at 919-326-5721 or visit us online at ncsecu.org for more information on how we can assist you today!

Loans and Financing

We understand that life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation options. This service is perfect for managing various debts into one easy payment, making financial management simpler. Additionally, our credit cards come with rewards that allow you to earn while you spend.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking platforms. You can access your accounts anytime, anywhere, making it easy to check balances, pay bills, or transfer funds on the go. Plus, our ATM services allow for cash withdrawals and balance checks at your convenience.

Personal Banking

Our personal banking services include checking and savings accounts designed to help you manage your money effectively. For those planning significant purchases, our auto loans and vehicle financing options make it easier than ever to drive away in your dream car. If homeownership is on your mind, explore our mortgage loans and refinancing solutions that can pave the way for your new beginning.

Digital & Online Banking

Key Features

Our online banking service offers 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills with just a few clicks. No more waiting in line or rushing to the bank before closing; everything you need is available whenever you need it. Plus, our mobile application ensures that you can handle your banking needs from the palm of your hand, whether you're at home or on the go. Security is a top priority for us. With features like electronic signature authorization, managing documents has never been easier or safer. You can sign important paperwork without needing to visit a branch. Additionally, our e-statements give you quick access to your account statements online while helping the environment by reducing paper waste.

More Convenient Options

We also provide options for mobile payments, making it simple to make purchases with just your smartphone. Whether you're shopping at the store or dining out with friends, paying has never been more effortless. And if you ever need to send money quickly to a friend or family member, our person-to-person transfers make it easy though this feature isn't available right now. In today's fast-paced world, having control over your finances is crucial. Our digital banking tools offer real-time account management that empowers you to make informed decisions about your money. At State Employees', we are committed to providing accessible and user-friendly services that meet your needs so you can focus on what matters most in life.

Financial Strength

A Strong Foundation

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.

Commitment to Operational Efficiency

Our $2,145,244 reflects our operational efficiency, 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.

Investing in Our Future Together

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 supports members' financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases.

Member Savings Secured

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.

Trust Built on Numbers

With net shares (funds available for lending and investments) amounting to $574,556,810, and a strong total of 5,850,875 accounts held by satisfied members, it's clear that trust is at the core of what we do. 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 7725 Midtown Market Ave Raleigh Nc 27616 or call (919) 326-5721 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 you're purchasing a brand-new vehicle or a reliable used one, our flexible terms ensure that you can drive away satisfied.

Credit Lines

For those needing ongoing financial flexibility, our credit lines totaling $18,909,000,000 offer an excellent solution. You can access funds when needed, giving you peace of mind knowing you have backup support for unexpected expenses. Our commitment to providing tailored lending solutions reflects our dedication to your financial well-being. If you're considering refinancing or checking your eligibility for any of our products, please don't hesitate to reach out. You can contact us at (919) 326-5721, and our team will be happy to assist you with any questions or guidance you may need. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At State Employees', we're not just here to lend; we're here to support your journey towards achieving financial success.

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're here to guide you through every step of the process, ensuring that you have all the information and support you need.

Unsecured Credit Cards

Managing day-to-day expenses is easier with our unsecured credit card loans. With a total of $1,177,171,541 in loans helping members manage their finances effectively, you can enjoy flexible terms that fit your lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed for those who want to make informed financial decisions without the hassle of sifting through countless offers. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to reliable information means users can trust that they are viewing fair and transparent offers. One of the key benefits of using LendMesh is its focus on verified data. Loan offers are sourced exclusively from legitimate financial institutions, which fosters transparency in the lending process. Additionally, LendMesh does not feature any sponsored listings; lenders are not prioritized based on paid promotions. Instead, the goal is to provide truly unbiased results that serve the needs of users. With real-time rate comparisons, LendMesh keeps users updated with the latest loan rates from multiple institutions. This feature empowers individuals to make well-informed decisions regarding their finances. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reinforce the reliability and effectiveness of this tool. Compare real-time loan offers today at LendMesh and find the best rates for your 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.*

STATE EMPLOYEES' CREDIT UNION - Raleigh, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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