State Employees' Credit Union Smithfield NC: Best Auto Loans & Checking Accounts

Introduction

Welcome to State Employees' at our Smithfield branch, located at 401 M Durwood Stephenson Pkwy, Smithfield, NC 27577. Since opening our doors in 1937, we've been dedicated to serving our community and providing financial solutions that meet the unique needs of our members. With over 2.8 million members and assets totaling an impressive $57,229,286,839, we are proud to be a trusted partner in your financial journey. At State Employees', we offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our commitment to you goes beyond just banking; we strive to make a positive impact in the communities we serve by ensuring that your financial goals are supported every step of the way. Under the leadership of our CEO, Leigh Brady, and Board President, Mona Moon, we have assembled a team of over 8,258 dedicated employees who are here to assist you. Whether you're looking for personal banking options or business services like merchant solutions and loans, you can count on us for reliable advice and support. While members can visit us at 401 M Durwood Stephenson Pkwy, official correspondence should be directed to our mailing address at the same location. Feel free to reach out to us at 919-934-1508 or explore more about our offerings online at www.ncsecu.org. Join us today and experience how State Employees' can help you achieve your financial dreams!

Branch History & Mission

Welcome to the heart of our community at State Employees' in Smithfield, NC. Established in 1937, our branch has grown from humble beginnings into a thriving financial institution that proudly serves over 2.8 million members. Located at 401 M Durwood Stephenson Pkwy, we are conveniently situated near local landmarks, making us easily accessible for all your banking needs. At State Employees', our mission is clear: we are dedicated to providing our members with exceptional financial services while supporting the community we serve. We believe in building lasting relationships based on trust and transparency. Our commitment to our members is reflected not only in the comprehensive range of services we offer including personal banking, auto loans, mortgages, and business banking but also in our active involvement in community outreach programs. Over the years, we have embraced advancements that enhance member experience, such as online and mobile banking options. We understand that accessibility is key; thus, we ensure ADA compliance across all facilities. With an ATM on-site and a convenient drive-thru service available during lobby hours (Monday through Friday from 8:30 AM to 5:30 PM), we're here to make your banking as smooth as possible. While members can visit us at 401 M Durwood Stephenson Pkwy, official correspondence should be sent to 401 M. DURWOOD STEPHENSON PKWY, SMITHFIELD, NC 27577 if you need to reach us by mail. As part of a larger network headquartered in Raleigh, NC, our assets total an impressive $57 billion, which allows us to provide competitive rates and robust services tailored to meet the diverse needs of our members. Our focus remains on fostering growth within the community and ensuring that every member feels valued and supported. We invite you to join State Employees' today! Experience firsthand the benefits of membership whether it's securing a loan for your dream car or simply saving for your future. Together, let's build a brighter financial future! For more information or assistance, please call us at 919-934-1508 or visit our website at ncsecu.org.

Branch Location & Accessibility

A Full Range of Services

At State Employees', we offer a variety of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans, mortgage loans, credit cards with rewards, and even business banking solutions there's something here for everyone! Whether you prefer online banking or face-to-face interaction, our team is ready to assist. So why wait? Come see us today at the State Employees' branch in Smithfield! If you have any questions or need assistance before your visit, feel free to give us a call at (919) 934-1508. We look forward to welcoming you!

Convenient Access and Amenities

Parking is plentiful and straightforward, making it easy for you to stop by. We also have ADA-compliant features to ensure everyone can access our services comfortably. If you're on the go, take advantage of our drive-thru banking option for quick transactions without leaving your vehicle. And yes, we also have an ATM available for those times when you need cash in a hurry!

Operating Hours

We know that convenience matters. That's why our lobby hours run from Monday through Friday, 8:30 AM to 5:30 PM. This schedule allows you to visit us during lunch breaks or after work with ease. While members can visit us at 401 M Durwood Stephenson Pkwy Smithfield Nc 27577, official correspondence should be sent to 401 M. DURWOOD STEPHENSON PKWY, SMITHFIELD, NC 27577 if it's different.

Member Eligibility

Becoming a member of State Employees' is like joining a family that truly cares about your financial well-being. If you're interested in enjoying the benefits we offer, you'll be pleased to know that eligibility is straightforward and welcoming. To join us, you typically need to be a state employee or an immediate family member of one, but we encourage everyone to explore their options! For the most up-to-date and detailed information on who can become a member, check out our eligibility criteria at http://www.ncsecu.org/join#eligibility. Once you see that you qualify, opening an account is a breeze! You can easily get started by visiting us online at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or giving us a call at (919) 934-1508 if you have any questions. We're located at 401 M Durwood Stephenson Pkwy Smithfield Nc 27577, and our friendly team is ready to assist you. Join us today and start experiencing the supportive community and great services that State Employees' has to offer!

Business Banking & Commercial Services

Financing Your Business 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 for You

Imagine running a busy shop where every second counts. Our merchant services allow you to accept payments easily and securely. From credit card processing to mobile payment options, we help ensure you get paid quickly, allowing you more time to focus on what matters most growing your business. Located at 401 M Durwood Stephenson Pkwy Smithfield Nc 27577, Smithfield, NC, our team is ready to partner with you on your business journey. Contact us today at (919) 934-1508 or visit us online at https://www.ncsecu.org/ to learn more about how we can support your business ambitions!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we have tailored solutions for you as well. Our business banking services include merchant services that streamline payment processing, along with business loans designed to help you grow your enterprise.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at State Employees', we prioritize technology that makes banking easier for you. With our online and mobile banking platforms, you can manage your accounts from anywhere at any time. Need cash? Our ATMs provide quick access for withdrawals and balance checks whenever you need it. We also have basic drive-thru banking available for deposits, withdrawals, and simple transactions offering a personal touch without the need to leave your vehicle.

Get Started Today!

We invite you to visit us at 401 M Durwood Stephenson Pkwy Smithfield Nc 27577, call us at (919) 934-1508, or check out our website at https://www.ncsecu.org/ for more information about how we can serve your financial needs. Whether it's personal or business banking, we're here to help every step of the way! Don't hesitate to reach out today and discover how easy it can be to manage your finances with State Employees'!

Personal Banking Solutions

Whether you're just starting out or looking to manage your existing accounts, our personal banking services cater to all stages of life. We offer checking and savings accounts that fit your lifestyle, allowing you to easily manage your day-to-day finances. If you're in the market for a new vehicle, explore our auto loans and vehicle financing options, which come with competitive rates designed to make car ownership more affordable. For those looking to invest in a home, our mortgage loans and refinancing solutions can help make your dream of homeownership a reality. We also provide personal loans and debt consolidation services to assist you in managing expenses or consolidating existing debt into one manageable payment. Plus, our credit cards with rewards offer added benefits for everyday purchases.

Digital & Online Banking

Accessibility and Security

We prioritize your security and privacy with every transaction. Our systems utilize advanced encryption methods to keep your information safe while you manage your finances online. This means you can have peace of mind knowing that your data is protected. In summary, the digital and online banking services at State Employees' are designed for accessibility and ease-of-use. Join us today to experience how simple managing your money can be!

Key Features

One of the standout features of our online banking is the availability of electronic statements. You can opt for e-statements, which not only help reduce paper clutter but also provide you with quick access to your account details right from your device. Plus, with electronic signature authorization available, signing documents is as easy as a few taps on your screen. If you're always on the go, our mobile application makes banking even simpler. With features like mobile payments, you can make purchases directly from your phone without needing to carry cash or cards. And while person-to-person transfers aren't currently supported, we ensure that all transactions are secure and straightforward.

Financial Strength

Committed Team Ready to Serve You

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. With a strong member base of 5,850,875, we are dedicated to building lasting relationships with those who trust 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 401 M Durwood Stephenson Pkwy Smithfield Nc 27577 or call (919) 934-1508 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Reinvestment for Your Benefit

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 means more resources for personal loans, auto financing, and other essential services tailored to meet your needs.

Solid Financial Health

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.

Supporting Your Goals

Our capacity to lend is robust; with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we're here to support your financial goals across various sectors. Our operational efficiency is reflected in our $2,145,244, which enables us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Additional Services

For those looking for financial flexibility, our total credit lines amount to $18,909,000,000, providing a safety net for unexpected expenses. If you're interested in refinancing any of our loan products or have questions about eligibility options, don't hesitate to reach out. We believe in making banking straightforward and accessible for all our members. If you need assistance or want to explore our loan offerings further, feel free to give us a call at (919) 934-1508 or visit us at 401 M Durwood Stephenson Pkwy Smithfield Nc 27577, Smithfield, 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.

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 provide flexible terms and competitive interest rates to ensure you drive away satisfied.

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 help guide you through the process and offer competitive rates that fit your budget.

Unsecured Credit Card Loans

Managing finances can be challenging, but we're here to help. 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 cards come with rewards that add extra value to your everyday spending.

Loan Aggregator

Ensuring Accurate 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 means you can trust that the information presented is both accurate and fair. Each loan offer has been vetted to ensure it comes from legitimate financial institutions, promoting transparency in the lending process.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from credible lenders, ensuring you receive genuine options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Get up-to-date loan rates from multiple institutions, empowering you to make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial illustrates how the tool can have a significant impact on your financial choices. 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 - Smithfield, NC

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Personal Loans

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