Nc State Employee Credit Union

Located in the heart of Shelby, the State Employees' Credit Union branch at 1735 E Dixon Blvd is your friendly neighborhood financial partner dedicated to supporting your goals. Open Monday through Friday from 8:30 AM to 5:30 PM, this convenient branch offers both drive-thru banking and an onsite ATM, making everyday transactions like cash withdrawals and deposits quick and hassle-free. Whether you’re interested in some of the best auto loans with flexible vehicle financing or looking to open personalized checking and savings accounts tailored to your lifestyle, this location combines expert guidance with welcoming community service.
Serving nearly 2.85 million members statewide and managing assets over $57 billion, State Employees’ Credit Union provides competitive mortgage loans and refinancing options designed to make homeownership more accessible. Business owners can also take advantage of merchant services and business loans, while credit cards with rewards and personal loans—including debt consolidation—add extra value for managing your finances. With seamless online and mobile banking platforms, you can stay connected anytime, anywhere.
Visit the State Employees' Credit Union branch at 1735 E Dixon Blvd in Shelby or call 704-482-4492 today to experience local service that puts your financial future 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

Welcome to State Employees', your trusted financial partner located at 1735 E Dixon Blvd, Shelby, NC 28152. Established in 1937, we have proudly served our community for over 85 years, helping our members achieve their financial goals. With a total membership of 2,847,943 and total assets exceeding $57 billion, we are dedicated to providing exceptional services tailored to meet your needs. At State Employees', we believe in the power of community. Our commitment to you is reflected not only in our wide range of financial products such as personal banking, auto loans, mortgage refinancing, and business banking but also in the trust we've built over decades. Currently, we hold total deposits of $7,866,265,767 and a strong net worth of $5,446,832,560, ensuring that your finances are safe with us. While members can visit us at our Shelby branch for face-to-face assistance and enjoy our convenient drive-thru services, official correspondence should be sent to 1729 E DIXON BLVD, SHELBY, NC 28152. Whether you're seeking advice on loans or wanting to explore new savings options, our friendly team is here to help. Led by CEO Leigh Brady and Board President Mona Moon, our staff of 8,258 employees is committed to providing exceptional service every day. We invite you to reach out at 704-482-4492 or visit our website at ncsecu.org for more information about how we can assist you on your financial journey. Join us today and become part of a credit union that puts its members first!

Branch History & Mission

Community Engagement and Support

Our commitment extends beyond banking. We actively engage with local organizations and initiatives aimed at improving the lives of those in our community. Through partnerships and outreach programs, we strive to make a positive impact by supporting education, health initiatives, and economic development. In addition to traditional banking services, we are proud to offer modern conveniences such as online banking and mobile payments. Our branch is fully ADA compliant, ensuring that all members of the community can access our services comfortably.

Join Us Today!

As we continue to grow and evolve, our dedication to you remains steadfast. Whether you're looking for assistance with loans or simply want advice on managing your finances, we're here for you. Join us at State Employees' today and discover how we can help you achieve your financial dreams. Together, let's build a brighter future for Shelby! For inquiries or assistance, please reach out to us at 704-482-4492. We look forward to welcoming you into our family!

Our Mission

At State Employees', our mission is simple yet powerful: to provide quality financial services that enhance the lives of our members while fostering a sense of community. We believe that everyone deserves access to affordable banking solutions, which is why we offer a wide range of products tailored to meet diverse needs from personal banking options like checking and savings accounts to auto loans and mortgage services. While members can visit us at 1735 E Dixon Blvd, official correspondence should be sent to 1729 E DIXON BLVD, SHELBY, NC 28152. We invite you to experience our welcoming atmosphere during operating hours from 8:30 AM to 5:30 PM on weekdays.

Branch Location & Accessibility

Call to Action

We invite you to come visit us today! Explore how we can support your financial needs and become part of our community. At State Employees' Credit Union, we're not just about banking; we're about building relationships. See you soon!

Convenient Access

Getting to our branch is simple, with ample parking available for all members. We ensure that our facilities are accessible to everyone, including those who may need ADA-compliant features such as ramps. Plus, if you prefer quick service, our drive-thru banking option is available for your convenience.

Operating Hours

We know your time is valuable. That's why our lobby hours are designed to fit your schedule. We're open Monday through Friday from 8:30 AM to 5:30 PM, ready to assist with anything from checking accounts to loan inquiries. Need help outside of these hours? Don't hesitate to give us a call at 704-482-4492; our friendly staff is always happy to help!

Services Offered

At State Employees', we offer a wide range of services tailored just for you. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we've got everything you need under one roof. You can also take advantage of our ATM services for quick cash withdrawals or balance checks whenever you need them. While members can visit us at 1735 E Dixon Blvd, official correspondence should be sent to our mailing address at 1729 E DIXON BLVD, SHELBY, NC 28152.

Member Eligibility

At State Employees', we believe that becoming a member is more than just opening an account it's about joining a welcoming community where everyone looks out for each other. If you live, work, or attend school in the areas we serve, you're likely eligible to join us! We also welcome family members of existing members, making it easy to share the benefits of membership with your loved ones. To find out if you meet our eligibility requirements, please check out this helpful resource: http://www.ncsecu.org/join#eligibility. Joining State Employees' opens the door to a variety of financial services tailored just for you, including competitive loans and savings options that help you achieve your goals. Ready to take the next step? You can easily start your account opening process online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, don't hesitate to give us a call at (704) 482-4492. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to lending options, we offer practical merchant services designed to simplify everyday transactions. Picture this: a busy café owner efficiently processing payments with easy-to-use point-of-sale systems, ensuring quick service for customers while managing their finances seamlessly. At State Employees', located at 1735 E Dixon Blvd Shelby Nc 28152 in Shelby, NC, we are here to support your business every step of the way. For more information or assistance, call us at (704) 482-4492. Let's work together to unlock your business potential!

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently do not have any outstanding commercial loans, we are dedicated to fostering an environment where local businesses can thrive. Imagine being able to access flexible financing solutions tailored to your specific needs. Our commercial loans help entrepreneurs like you invest in new equipment, expand operations, or manage cash flow effectively. While we haven't yet funded any member or non-member commercial loans, our goal is to create opportunities for businesses within our community.

Comprehensive List Of Services

Additional Services

Our branch also offers basic drive-thru banking for deposits, withdrawals, and simple transactions perfect for when you're on the go. And if you're near one of our ATMs, you can perform balance checks and withdrawals at your convenience. At State Employees', we strive to make banking as easy as possible so that you can focus on what really matters your life! If you're ready to learn more about how we can assist with your financial journey, don't hesitate to reach out. Call us today at (704) 482-4492 or visit us in person at 1735 E Dixon Blvd Shelby Nc 28152. Join us at Shelby, where we're committed to helping you thrive financially!

Business Banking

For our entrepreneurial members, State Employees' provides robust business banking solutions. From merchant services that simplify transactions for your customers to business loans designed to fuel growth, we are here to support local businesses in achieving success.

Credit Cards

Our credit cards with rewards offer not just purchasing power but also perks that make your spending more rewarding. Whether it's cashback or travel points, you can enjoy benefits that suit your lifestyle.

Online and Mobile Banking

We know convenience is key in today's fast-paced world. That's why we offer comprehensive online and mobile banking features. You can manage your accounts, transfer funds, and pay bills from anywhere at any time right from the palm of your hand. Plus, our ATM and cash withdrawal services make accessing your funds quick and easy.

Personal Banking

Whether you're looking to open a new checking or savings account, State Employees' has you covered. Our personal banking services are tailored to fit your lifestyle, making it easy to manage your finances. Need a little extra cash for that dream car? Our auto loans and vehicle financing options can help you hit the road without breaking the bank. If you're dreaming of owning your own home, our mortgage loans and refinancing services can guide you through the process smoothly. Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come in handy. We aim to provide flexible solutions that meet your unique circumstances while ensuring you feel supported every step of the way.

Digital & Online Banking

Banking on the Go

For those who prefer mobile banking, our mobile application offers all the features of online banking right at your fingertips. Want to make payments quickly? With our mobile payments feature, you can send money easily without hassle. Although person-to-person transfers are currently not available, there are still plenty of options for managing your funds efficiently. At State Employees', we're dedicated to providing services that fit into your lifestyle seamlessly. Whether you're checking in on your accounts or making a quick payment, our digital tools ensure that managing your money is as easy as possible. Visit us today and experience the future of banking!

Security You Can Trust

We understand that security is paramount when it comes to banking online. That's why we utilize the latest technology to protect your information. Our electronic signature authorization feature makes signing documents straightforward while ensuring that your data remains safe and sound.

Stay Organized with E-Statements

No more paper clutter! With our e-statements availability, you can go green and receive your account statements electronically. This not only helps the environment but also allows you to access your financial records anytime you need them.

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 dedicated to providing a reliable banking experience that meets your needs while ensuring your funds are secure and growing. 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 supports members' financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases. Our operations reflect our commitment to efficiency, as shown by 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): $574,556,810. Total Share and Deposit Accounts: 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 1735 E Dixon Blvd Shelby Nc 28152 or call (704) 482-4492 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 it's financing a new or used vehicle, our team is here to guide you through the process.

Credit Lines

For those needing extra flexibility in their budgeting or spending, our credit lines totaling $18,909,000,000 are here for you. They provide quick access to funds when you need them most. At State Employees', we're dedicated to providing transparent options that empower our members. If you're interested in exploring refinancing opportunities or eligibility options for any of our loan products, please don't hesitate to contact us at 704-482-4492 or visit our website at www.ncsecu.org. 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 provide flexible terms and competitive rates tailored to fit your unique 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 an excellent way to handle unexpected expenses while earning rewards along the way.

Loan Aggregator

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