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

Introduction

Welcome to State Employees', your trusted credit union located at 435 E College Ave, Shelby, NC 28152. Since our establishment in 1937, we have been dedicated to providing exceptional financial services to our community. With a total membership of over 2.8 million and assets reaching an impressive $57.2 billion, we pride ourselves on our commitment to helping you achieve your financial goals. At State Employees', we understand that every member's journey is unique. Whether you're looking for personal banking solutions, auto loans, or business financing, our experienced team is here to guide you every step of the way. Under the leadership of our CEO, Leigh Brady, and Board President, Mona Moon, we foster a welcoming environment where your financial well-being comes first. While members can visit us at our Shelby branch, official correspondence should be sent to the same address: 435 E COLLEGE AVE, SHELBY, NC 28152. Our branch is equipped with essential services including ATM access and drive-thru banking, ensuring that your banking experience is both convenient and efficient. We take pride in maintaining a strong financial foundation with total deposits amounting to $7.9 billion and a net worth of $5.4 billion. Our team is ready to assist you with an array of services tailored just for you from checking and savings accounts to mortgage refinancing. We invite you to call us at 704-434-7443 or visit our website at ncsecu.org for more information on how we can serve you better. Join us in building a brighter financial future together!

Branch History & Mission

Community Focus

Our commitment extends beyond banking. We actively engage with the local community through partnerships and outreach efforts designed to uplift those around us. This includes educational programs and initiatives aimed at improving financial literacy among residents of Shelby and surrounding areas. As we look forward to the future, we remain dedicated to harnessing technology that enhances your experience with us while ensuring accessibility for all members. Whether it's through online banking or mobile applications, we strive to make managing your finances as straightforward as possible. Join us at State Employees' today and experience firsthand how we can help you navigate your financial journey with confidence and care. Together, let's build a brighter tomorrow! For more information about membership or services, feel free to call us at 704-434-7443 or visit our website at ncsecu.org.

Our Mission

At State Employees', our mission is clear: to empower our members through accessible and affordable financial services while fostering a sense of community. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's purchasing a home, financing a vehicle, or simply managing daily expenses. We aim to support not only your banking needs but also your aspirations for a better future. We operate Monday through Friday from 8:30 AM to 5:30 PM and are proud to offer drive-thru banking services for added convenience. Members can also access an ATM at our branch, ensuring you can manage your money easily whenever you need it. While members can visit us at 435 E College Ave, official correspondence should be sent to the same address as our mailing address: 435 E COLLEGE AVE, SHELBY, NC 28152.

Branch Location & Accessibility

Accessibility and Parking

Our location offers ample parking, making it hassle-free for you to stop by. We prioritize accessibility for all our members, featuring ADA-compliant facilities including ramps and designated parking spots. Whether you're stopping in for a quick transaction or need assistance with your financial needs, our friendly team is here to help.

Call to Action

Come visit us today and discover how we can support your financial goals! We look forward to welcoming you into our State Employees' family!

Operating Hours

We're open Monday through Friday from 8:30 AM to 5:30 PM, providing you plenty of time during the week to take care of your banking needs. If you have questions or want to learn more about our services, feel free to call us at 704-434-7443.

Services Offered

At State Employees', we offer a range of services tailored just for you. Need cash? Our ATM is available right on-site for quick withdrawals and balance checks. Prefer personal interaction? Our drive-thru banking service makes it simple to handle deposits and withdrawals without leaving your car. While members can visit us at 435 E College Ave, official correspondence should be sent to the same address as our mailing address ensuring that your documents reach us safely. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or credit card rewards, we are dedicated to helping you navigate your financial journey.

Member Eligibility

Becoming a member of State Employees' feels like joining a welcoming family that genuinely cares about your financial journey. To become part of our community, you simply need to meet a few friendly criteria. If you are a state employee, their immediate family, or a member of certain organizations, you're likely eligible to join us! We believe in inclusivity and are here to support you in achieving your financial goals. For the most up-to-date details on eligibility, feel free to visit our website at http://www.ncsecu.org/join#eligibility. Once you know you're eligible, opening an account is a breeze! You can easily start the process online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or if you have questions, don't hesitate to reach out to us at (704) 434-7443. Our dedicated team at State Employees', located at 435 E College Ave Shelby Nc 28152, is eager to assist you every step of the way as you take this exciting step toward becoming a member of our community.

Business Banking & Commercial Services

Financing Options for 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.

Merchant Services That Work

In addition to loans, our merchant services are tailored to simplify transactions and enhance your customer experience. Imagine offering seamless payment options that allow you to focus on what matters growing your business. From credit card processing to online payment solutions, we have the tools to help streamline your operations. Located at 435 E College Ave Shelby Nc 28152, Shelby, NC, our team is ready to assist you in achieving your business goals. Call us at (704) 434-7443 or visit us online at https://www.ncsecu.org/ to learn more about how we can help your business thrive!

Comprehensive List Of Services

Basic Drive-Thru & ATM Services

For those times when you prefer face-to-face interactions but are short on time, our drive-thru banking allows you to handle deposits, withdrawals, and simple transactions quickly. We also provide basic ATM access where you can withdraw cash or check your balance without any hassle. At State Employees', we're committed to providing services that not only meet but exceed your expectations. For questions or assistance, don't hesitate to reach out at (704) 434-7443 or visit us during our lobby hours from Monday to Friday, 8:30 AM - 5:30 PM. Ready to experience the difference? Visit us at Boiling Springs today!

Business Banking Services

For small business owners, we provide comprehensive business banking services including merchant services and business loans tailored to help you grow your venture. We know running a business is no small feat, and we're here to assist you every step of the way.

Credit Cards and Rewards

Looking to earn rewards while you spend? Our credit cards with rewards offer great benefits that can enhance your purchasing power. Use them wisely, and you'll find yourself enjoying perks just for using your card.

Digital Banking Convenience

In today's fast-paced world, convenience is key. With our online and mobile banking, managing your accounts has never been easier. You can check balances, transfer funds, pay bills, and more right from your smartphone or computer. Plus, enjoy easy access to ATMs for cash withdrawals whenever you need them.

Personal Banking Solutions

We understand that managing your finances can be challenging. That's why we offer various personal banking options designed to make your life easier. Start with our checking and savings accounts, which are perfect for everyday transactions and saving for future goals. If you're in the market for a new car, our auto loans and vehicle financing can help get you on the road without breaking the bank. When it comes to buying a home, our mortgage loans and refinancing options ensure that you can find a plan that fits your budget. If you're facing unexpected expenses or want to consolidate debt, consider our personal loans that come with competitive rates.

Digital & Online Banking

At State Employees', we understand that your time is valuable, and managing your finances should be as convenient and secure as possible. That's why we offer a variety of digital and online banking services designed to fit your busy lifestyle. With our online banking platform, you can access your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or pay bills, our 24/7 online banking services make it simple and straightforward. You can also sign documents electronically with ease through our electronic signature authorization feature, ensuring a hassle-free experience. Keeping track of your finances has never been easier with e-statements available at your fingertips. Opting for e-statements not only helps you stay organized but also supports environmentally friendly practices. Plus, our mobile application puts the power of banking right in your pocket, allowing you to manage your accounts on the go. For those who prefer using their smartphones for payments, we offer a mobile payments feature that allows you to make quick transactions securely. This means less time fumbling with cash or cards and more time enjoying what really matters. While person-to-person transfers are currently not available, the other features we provide ensure that you have all the tools needed for real-time account management and easy financial navigation. We invite you to explore the convenience of digital banking at State Employees'. For more information or to get started with online banking today, visit us at https://www.ncsecu.org/. Your financial well-being is just a click away!

Financial Strength

A Solid Foundation

Our net worth ratio of 9.71% demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This strength allows us to adapt quickly to any challenges while remaining committed to our members.

Dedicated Team at Your Service

We also take pride in having 7,729 full-time employees and 529 part-time employees. Our knowledgeable team is always ready to assist you with personalized service.

Focused on Member Benefits

Unlike traditional banks, we focus our resources on benefiting you our valued members. With non-member deposits at $0, we ensure that our efforts translate into better loan rates, lower fees, and exclusive perks for you.

Operational Efficiency

Our operational efficiency is highlighted by our $2,145,244. This positive indicator enables us to continue offering competitive loan rates and solid financial products tailored for our members' needs.

Reinvesting 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. This commitment reflects our dedication to improving your experience with us.

Secure Savings Options

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. We prioritize our members by ensuring that their savings are safe and fruitful.

Strong Member Trust

With a total of 5,850,875 share accounts, we showcase a strong and growing member base that trusts us with their finances. This trust is essential as we continue building long-lasting relationships with our community. 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 435 E College Ave Shelby Nc 28152 or call (704) 434-7443 to learn more about how we can help you achieve your financial goals.

Supporting Your Financial Goals

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, we're here to help you finance your dreams whether it's buying a car or investing in a new home.

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 make it easy for you to drive away with confidence. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team can guide you through the process and help you find the best terms available.

Credit Lines and Unsecured Loans

For those seeking additional financial flexibility, we have an impressive total of $18,909,000,000 available in credit lines. This allows members to access funds when needed without the hassle of reapplying for a loan each time. We also provide flexible terms on unsecured credit card loans with a total of $1,177,171,541 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, making buying or refinancing simple. We offer competitive rates and flexible terms to ensure that you can secure the home of your dreams without breaking the bank.

Refinancing Options

If you're looking to refinance any existing loans or explore eligibility options for new loans or credit lines, our dedicated team is here to assist you. We are committed to finding solutions that work for your financial situation and goals. At State Employees', we're focused on providing personalized service that meets your needs. Visit us today at our Shelby branch or check out our website for more information on how we can support your financial journey. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial future starts here!

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STATE EMPLOYEES' CREDIT UNION - Shelby, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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