Nc State Employee Credit Union

Located in the heart of Sanford, the State Employees' Credit Union branch at 1002 Spring Ln is your trusted community partner for personalized financial solutions. Open Monday through Friday from 8:30 AM to 5:30 PM, this friendly branch offers convenient drive-thru banking and an onsite ATM, making everyday transactions like cash withdrawals and deposits quick and hassle-free. Whether you're seeking some of the best auto loans with flexible vehicle financing or looking to open checking and savings accounts tailored just for you, this branch delivers expert guidance with a welcoming smile.
Serving nearly 2.85 million members across North Carolina and managing assets exceeding $57 billion, State Employees’ Credit Union provides competitive mortgage loans and refinancing options designed to make homeownership more attainable. Business owners will also find valuable merchant services and business loans here, while credit cards with rewards and personal loans—including debt consolidation—add extra value to your financial toolkit. Plus, secure online and mobile banking keeps you connected anytime, anywhere.
Visit the State Employees' Credit Union branch at 1002 Spring Ln in Sanford or call 919-774-8851 today to experience community-focused service that puts your financial goals first. Discover how our signature auto loans and comprehensive personal banking solutions can help you thrive!

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

Community Impact and Leadership

Under the guidance of our CEO, Leigh Brady, and Board President, Mona Moon, our team of 8,258 employees is committed to making a positive impact in Sanford and beyond. We pride ourselves on being more than just a financial institution; we are a part of your community. Whether you need assistance with loans or want to explore investment options, we're here to help you achieve your financial goals. While members can visit us at 1002 Spring Ln, official correspondence should be sent to the same address as our mailing address: 1002 SPRING LN, SANFORD, NC 27330. If you have any questions or wish to learn more about what we offer, please feel free to reach out by calling us at 919-774-8851.

Join Us Today!

Explore how State Employees' can support your financial journey. Visit our website at ncsecu.org or stop by for a chat. Your future begins here let's build it together!

Branch History & Mission

At State Employees', we take pride in our rich history and unwavering commitment to our members in Sanford, NC. Founded in 1937, our branch has been a cornerstone of financial support for local families and businesses for over eight decades. Located at 1002 Spring Ln, just a stone's throw away from the vibrant community center, we have steadily grown alongside the city, adapting to meet the evolving needs of our members. Over the years, we've achieved significant milestones that reflect our dedication to serving our community. With a total membership of nearly 2.8 million and assets totaling over $57 billion, State Employees' has become a trusted partner for countless individuals seeking financial stability and growth. Our expansion is not just about numbers; it's about building relationships and fostering trust within the communities we serve. Our mission is clear: to provide accessible financial services while positively impacting our members' lives and the communities around us. We strive to create an environment where everyone feels welcome and supported. Whether you're opening your first savings account or seeking guidance on home loans, we are here to help you every step of the way. While members can visit us at 1002 Spring Ln Sanford Nc 27330, official correspondence should be sent to 1002 SPRING LN, SANFORD, NC 27330. Our operating hours are convenient, from 8:30 AM to 5:30 PM on weekdays, making it easy for you to drop by or reach out via phone at (919) 774-8851. In today's digital world, we have embraced technology without losing sight of personal service. Our branch offers online banking, mobile payments, and e-statements, ensuring that you can manage your finances anytime and anywhere. We also take pride in being ADA compliant and providing essential services like ATM access and drive-thru banking for added convenience. At State Employees', we believe in giving back to our community through various outreach efforts and partnerships with local organizations. We understand that strong communities are built on shared values and mutual support. Join us at State Employees' in Sanford as we continue this journey together. Experience firsthand how we can help you achieve your financial goals while being part of a supportive community that cares. Your future starts here!

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Our branch is situated near several local landmarks, making it easy to find. Just a short drive from the heart of Sanford, you can easily swing by while running errands or visiting nearby shops. We prioritize accessibility for all our members. Our location is ADA compliant, featuring ramps and designated parking spaces to ensure everyone can visit us comfortably.

Operating Hours and Services

We are open Monday through Friday from 8:30 AM to 5:30 PM, providing ample time for you to drop in before or after work. You'll find that we offer a range of services tailored just for you, including personal banking options like checking and savings accounts, auto loans, mortgage services, credit cards with rewards, and more. Plus, enjoy the convenience of our ATM availability right on-site and drive-thru banking for quick deposits and withdrawals. If you have any questions or need assistance, feel free to give us a call at 919-774-8851. We're excited to serve you and help you achieve your financial goals. Visit us today!

Member Eligibility

Becoming a member of State Employees' is like joining a welcoming family that truly cares about your financial well-being. To qualify for membership, you simply need to be a resident of North Carolina, work for the state, or have a family member who is already a member. This inclusive approach means that almost anyone can find their place here! By joining us at State Employees', you'll gain access to a range of fantastic benefits, including competitive rates on loans and savings accounts, personalized service, and community-focused initiatives that help you thrive. Getting started is easy! Just visit our website to check out the detailed eligibility criteria at http://www.ncsecu.org/join#eligibility. If you're ready to open an account, head over to https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu where you can complete the process online. For any questions or assistance, feel free to give us a call at (919) 774-8851. We're excited to have you join our community at State Employees', located at 1002 Spring Ln Sanford Nc 27330, and look forward to supporting your financial journey!

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 seamlessly, manage transactions effortlessly, and focus on what you do best running your business. Our merchant services empower you to do just that. From credit card processing to point-of-sale solutions, we provide the tools that make everyday transactions simple. This means more time for innovation and less time worrying about payment logistics. Located at 1002 Spring Ln Sanford Nc 27330, Sanford, NC, we invite you to explore how State Employees' can help your business thrive. Reach out today at (919) 774-8851, and let's build a brighter future together!

Comprehensive List Of Services

ATM & Drive-Thru Services

We also ensure accessibility with our ATM services for quick cash withdrawals and balance checks. Our drive-thru service allows for deposits, withdrawals, and simple transactions without leaving your vehicle making it easier than ever to bank on your schedule. At State Employees', we strive to create a welcoming atmosphere where all members feel valued. With knowledgeable staff ready to assist you at every turn, you can trust us with all your financial needs. Ready to learn more? Give us a call at (919) 774-8851, visit us online at https://www.ncsecu.org/, or stop by our branch today! Your financial journey starts here!

Business Banking

For our business members, we offer specialized banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we are dedicated to supporting your growth with flexible financial solutions.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Sanford - Spring Lane, we provide robust online and mobile banking features. Access your accounts anytime, anywhere with ease. You can manage transactions, check balances, and even pay bills right from your smartphone or computer.

Home Financing

If owning a home is part of your dream, we offer competitive mortgage loans and refinancing options. Our team will work with you to find the best rates and terms that suit your budget. We understand that buying a home is a significant step, and we're here to guide you through the process.

Loans & Credit Options

Need extra cash for unexpected expenses? Our personal loans and debt consolidation options can provide quick relief. Plus, with our credit cards featuring rewards programs, you can earn while you spend perfect for everyday purchases or travel plans.

Personal Banking

Whether you are opening your first checking account or looking for a savings plan, we have options that fit your lifestyle. Our personal banking services include checking and savings accounts designed to help you manage your money effectively. For those considering bigger purchases, our auto loans and vehicle financing solutions can help you get on the road without breaking the bank.

Digital & Online Banking

In today's fast-paced world, banking should be as convenient and secure as possible. At State Employees', we offer a range of digital and online banking services designed to fit your lifestyle. With just a few clicks or taps, you can manage your finances from anywhere at any time. Our online banking platform is accessible 24/7, allowing you to check your balances, pay bills, and transfer funds with ease. You can explore all the features available by visiting https://www.ncsecu.org/. Plus, if you prefer to handle things on the go, our mobile application makes banking even simpler. Whether you're at home or out and about, you'll have access to your accounts right in your pocket. Security is a top priority for us. That's why we provide electronic signature authorization for your transactions, ensuring that every action you take is protected. You can also opt for e-statements to keep track of your finances without the clutter of paper statements another step toward easy and secure management. For those who enjoy making payments easily, our mobile payments feature allows you to make purchases using your smartphone securely. And while person-to-person transfers aren't available right now, we're continuously looking for ways to enhance our services for you. At State Employees', we believe that managing your money should be straightforward and stress-free. With all these options at your fingertips, you'll find it easy to stay in control of your financial health whenever it suits you best. Experience the convenience of modern banking today!

Financial Strength

A Growing Community

We have a strong member base with 5,850,875 total share accounts that trust us with their finances. Our net shares available for lending and investments stand at $574,556,810, highlighting our ability to provide valuable services tailored to your needs. 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 1002 Spring Ln Sanford Nc 27330 or call (919) 774-8851 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 your financial goals with $193,516 in used auto loans and a total of $34,904,944,116 across all loans and leases.

Member-Focused Savings

Your 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 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.

Strong Financial 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 $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. We also provide flexible refinancing options if you're looking to adjust your current auto loan terms.

Credit Lines

For those who prefer flexibility, our total credit lines amount to $18,909,000,000, allowing members access to funds whenever needed without the hassle of reapplying for a loan each time. At State Employees', we aim to make borrowing easy and accessible. If you're interested in any of our loan offerings or want more information about eligibility options, feel free to reach out at (919) 774-8851 or visit us at 1002 Spring Ln Sanford Nc 27330 in Sanford, 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 dreams!

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 can guide you through the process and help you find the best terms for your situation.

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. These cards can be a great tool for building credit and managing everyday expenses without collateral.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 rigorous sourcing process ensures that users receive fair and transparent offers. By partnering only with verified financial institutions, LendMesh guarantees that all listed loan options are legitimate and trustworthy.

Benefits of Using LendMesh

LendMesh offers several key advantages to help users navigate their loan options: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, empowering users to make informed choices. 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!" This testimonial highlights the effectiveness of LendMesh in delivering meaningful savings to its users.

Call to Action

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