State Employees' Credit Union Smithfield NC: Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to State Employees' Credit Union at 502 N Brightleaf Blvd, Smithfield, NC 27577! Since our establishment in 1937, we have been committed to providing financial services that truly benefit our members. With a total membership of over 2.8 million, we pride ourselves on being a trusted partner in the community, helping individuals and families achieve their financial goals. At State Employees', our members are at the heart of everything we do. Our strong foundation is reflected in our impressive total assets of $57,229,286,839 and robust net worth of $5,446,832,560. We understand that financial security is crucial for our members' peace of mind, which is why we offer a wide range of services from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. While you can visit us at our branch location for all your banking needs, if you need to send official correspondence, please direct it to the same address: 502 N BRIGHTLEAF BLVD, SMITHFIELD, NC 27577. Our dedicated team of 8,258 employees, led by CEO Leigh Brady and Board President Mona Moon, works tirelessly to ensure you receive exceptional service every time you interact with us. Whether you're looking for a loan or simply want to open a new account, we invite you to explore the diverse financial options we provide. For more information about our services or to get started on your financial journey with us today, please visit our website at ncsecu.org or call us at 919-934-1151. Your future starts here!

Branch History & Mission

Community Engagement

Our dedication goes beyond just banking; it encompasses building relationships within Smithfield and surrounding areas. We actively participate in events that support education, healthcare, and economic development. By investing in local projects and organizations, we help create a thriving environment where everyone can succeed.

Join Us

We invite you to experience the benefits of membership at State Employees'. With robust financial products designed with your needs in mind and a team committed to your success, you will find more than just a bank you will discover a partner in your financial journey. Reach out today by calling us at 919-934-1151 or visit us online at ncsecu.org to learn more about how we can serve you!

Our Evolution

Since our inception, State Employees' has focused on meeting the needs of local residents and state employees alike. We began as a small credit union dedicated to offering savings and loan products tailored for public servants. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgages, credit cards, and business banking solutions. As we've evolved, so has our commitment to innovation. We understand that today's members expect convenience alongside quality service. That's why we've embraced digital advancements like online banking and mobile payments while ensuring all our services remain ADA compliant for accessibility.

Our Mission Statement

Our mission is simple yet profound: to empower our members financially while fostering community growth and wellbeing. We strive not only to provide essential financial tools but also to engage actively with local initiatives and outreach programs that benefit those around us. Whether it's through financial education workshops or partnerships with local charities, we aim to uplift our community. While members can visit us at 502 N Brightleaf Blvd, official correspondence should be sent to 502 N BRIGHTLEAF BLVD, SMITHFIELD, NC 27577 if needed. Our branch operates Monday through Friday from 8:30 AM to 5:30 PM, with convenient ATM access and drive-thru banking available for quick transactions.

Branch Location & Accessibility

Call to Action

We invite you to come by and experience the friendly service at State Employees'. Have questions? Feel free to give us a call at 919-934-1151 or drop by during our lobby hours. We look forward to welcoming you soon!

Nearby Landmarks and Features

Located in the heart of Smithfield, we are near popular spots like the Johnston County Heritage Center and just a short drive from local shops and restaurants. This central location means you can easily visit us after enjoying a meal or shopping trip.

Operating Hours and Services

We're here to serve you Monday through Friday from 8:30 AM to 5:30 PM. Whether you're looking for personal banking services like checking and savings accounts, auto loans, or credit cards with rewards, our friendly staff is ready to help. Need to make a quick transaction? Our drive-thru service allows for easy deposits and withdrawals without leaving your vehicle. Plus, with ATM access available on-site, you can manage your finances swiftly anytime.

Parking and Accessibility

Our branch offers ample parking with accessible spaces for those who need them. We're committed to ensuring that everyone can visit us comfortably, so we have features like ramps and ADA-compliant entrances available.

Member Eligibility

At State Employees', we're excited to welcome you into our community of members who support one another while enjoying a range of financial services. If you live or work in the area, becoming a member is just a few simple steps away! Our eligibility criteria are designed to be inclusive, and most people will find they qualify easily. You can learn more about these criteria by visiting us at http://www.ncsecu.org/join#eligibility. We offer fantastic benefits like competitive rates on loans, personalized service, and access to online banking tools that make managing your finances a breeze. When you're ready to join, opening an account is straightforward. Just head over to https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu to get started today! If you have any questions or need assistance during the process, don't hesitate to call us at (919) 934-1151. We're here to help you every step of the way as you take this exciting step toward financial empowerment!

Business Banking & Commercial Services

Commercial 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

In today's fast-paced world, efficient payment solutions can make or break a business. Our merchant services provide you with the tools you need to accept payments easily and securely. From card processing to online payment systems, we ensure that your transactions run smoothly, allowing you to focus on what matters most growing your business. Located at 502 N Brightleaf Blvd Smithfield Nc 27577, Smithfield, NC 27577, we invite you to visit us or call us at (919) 934-1151 to learn more about how our business banking and commercial services can help you thrive.

Comprehensive List Of Services

Additional Services

We understand that sometimes all you need is quick assistance for basic transactions. That's why we have Basic Drive-Thru Banking available for deposits, withdrawals, and other simple transactions without the need to step inside. For those who prefer self-service options, our Basic ATM Access allows for quick withdrawals and balance checks when you're on the go. With all these offerings at State Employees', we're committed to making banking easier and more accessible for everyone in Smithfield. If you have questions or want to explore how we can assist you further, don't hesitate to reach out! Call us at 919-934-1151, or visit us during our lobby hours from 8:30 AM to 5:30 PM on weekdays. Join us today and experience the difference in banking that puts you first!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options that allow you to manage your accounts from anywhere at any time. Whether you're transferring funds, paying bills, or checking balances, our platform is designed for ease of use. Additionally, our ATMs and cash withdrawal services ensure that accessing your money is always simple and straightforward.

Loans and Credit Solutions

Life can throw unexpected expenses your way, but with our Personal Loans & Debt Consolidation services, you can find relief and regain control of your finances. Plus, our Credit Cards with Rewards allow you to earn points on purchases while enjoying competitive rates and terms. For our business members, we offer specialized services like Merchant Services & Business Loans that empower local businesses to thrive. Our team is here to help guide you through the lending process so that you can focus on what matters most running your business.

Personal Banking

Our personal banking services are designed with you in mind. If you're considering opening a checking or savings account, our options offer flexibility and convenience to help you manage your money effectively. Need financing for a new car? Our Auto Loans & Vehicle Financing can help you hit the road without breaking the bank. We also provide Mortgage Loans & Refinancing solutions that can make home ownership more attainable or help you lower your monthly payments.

Digital & Online Banking

Accessibility and Security

Keeping track of your finances has never been easier with e-statements that are readily available for your review. Say goodbye to paper clutter and hello to organized digital records! And if you ever need to send money to friends or family, our person-to-person transfer feature makes it quick and easy though please note this option is currently unavailable. At State Employees', we prioritize your security. Our systems are designed with top-notch safety measures to protect your personal information while providing you with easy access to your accounts. Whether you're using online banking or our mobile app, rest assured that your data is safe with us. In short, our digital and online banking services are here to make your life easier. With real-time account management at your fingertips and an emphasis on security and convenience, managing your finances has never been more straightforward. Join us today at State Employees' and experience the future of banking!

Key Services

With our user-friendly online banking platform, accessible at https://www.ncsecu.org/, you can check your account balances, transfer funds, and pay bills with just a few clicks. Our 24/7 online banking service ensures that you have access to your money when you need it most, whether you're at home or on the go. For those who prefer mobile banking, our dedicated mobile application provides the same great features right from your smartphone. You can easily make mobile payments, allowing you to shop securely without needing cash or cards. Plus, with electronic signature authorization available, signing documents is a breeze you can do it all from the comfort of your own home.

Financial Strength

Commitment to Growth and Innovation

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.

Growing Trust Among Members

Total Share and Deposit Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $574,556,810 further highlight our commitment to supporting your financial ambitions. 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 502 N Brightleaf Blvd Smithfield Nc 27577 or call (919) 934-1151 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

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 $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.

Solid 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 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.

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 looking for financing on a brand-new vehicle or a reliable used car, our auto loan options make it easier than ever.

Credit Lines and Unsecured Credit Cards

For those needing extra financial breathing room, we provide flexible credit lines totaling $18,909,000,000 that can be used for various purposes from unexpected expenses to larger purchases. Additionally, 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. Our credit card options come with rewards that can add value to your everyday spending. If you're considering refinancing or exploring eligibility options for any of these products, we encourage you to reach out. Our team is ready to assist you in finding solutions that fit your needs. We pride ourselves on being accessible and helpful. Feel free to contact us at 919-934-1151 during our operating hours from 8:30 AM to 5:30 PM for any questions regarding our loan offerings or other services available at State Employees'. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're committed to transparency and ensuring that you have all the information needed for informed decision-making. Explore your loan options today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. We offer competitive rates and terms that simplify the process of buying or refinancing your home. Let us guide you through each step so you can focus on making your house a home.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION - Smithfield, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in Smithfield, NC (27577)