Nc State Employee Credit Union

In the charming town of Southern Pines, the State Employees' Credit Union branch at 474 Pinehurst Ave warmly welcomes you to a community-centered banking experience. Open weekdays from 8:30 AM to 5:30 PM, this convenient location offers both drive-thru banking and an onsite ATM, making everyday transactions like cash withdrawals, deposits, and balance checks quick and hassle-free. Whether you're seeking some of the best auto loans with flexible vehicle financing or exploring competitive mortgage loans and refinancing options, this branch is dedicated to helping you reach your financial goals with friendly, expert guidance.
Serving over 2.8 million members statewide and managing assets exceeding $57 billion, State Employees’ Credit Union provides a full range of personal and business banking services. From personalized checking and savings accounts to credit cards with rewards, business loans, and debt consolidation options, you’ll find tailored solutions designed to fit your lifestyle. Plus, secure online and mobile banking platforms keep you connected anytime, anywhere.
Visit the State Employees' Credit Union branch at 474 Pinehurst Ave in Southern Pines or call 910-692-4013 today to experience local service that puts your financial future first. Discover how our signature auto loans and comprehensive personal banking solutions can empower your journey ahead!

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' Credit Union, where your financial well-being is our top priority. Located at 474 Pinehurst Ave, Southern Pines, NC 28387, we have been serving our community since 1937. With over 2.8 million members and total assets of an impressive $57,229,286,839, we are committed to providing reliable financial services tailored to your needs. At State Employees', we believe in building lasting relationships with our members. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, works tirelessly to ensure that every interaction you have with us is positive and fulfilling. With a total of 8,258 employees across our organization, we strive to make banking easier for everyone in the Southern Pines area and beyond. Our credit union offers a wide range of services including personal banking, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. Whether you're looking to save for the future or secure a loan for your dream car, we're here to help you every step of the way. For those who prefer digital banking solutions, we provide robust online and mobile banking options that allow you to manage your finances from anywhere. You can also visit us in person during our operating hours from 8:30 AM to 5:30 PM, or reach out via phone at 910-692-4013 for any inquiries. While members can visit us at our branch location, official correspondence should be sent to the same address: 474 PINEHURST AVE, SOUTHERN PINES, NC 28387. Experience the difference with State Employees'. Join us today and discover how we can support your financial journey! For more information or to get started, please visit our website at ncsecu.org. We look forward to welcoming you into our family!

Branch History & Mission

Join Us Today!

We invite you to experience the difference at State Employees'. Join over 2.8 million satisfied members who trust us for their financial needs. Whether you're looking for personal banking solutions or want to get involved in community activities, there's a place for you here. Reach out today at 910-692-4013 or explore more about what we offer at ncsecu.org. Let's build a brighter future together!

Modern Banking Experience

As part of our commitment to service excellence, we have embraced modern technology while ensuring accessibility for all members. Our branch is ADA compliant, and we offer various digital services such as online banking, mobile payments, and e-statements making it easier than ever for you to manage your finances from anywhere. For those who prefer in-person interactions, our branch features drive-thru banking options and an ATM available for quick transactions. We invite you to visit us during our operating hours from 8:30 AM to 5:30 PM on weekdays. While members can visit us at 474 Pinehurst Ave, official correspondence should be sent to the same address if needed.

Our Mission

At the heart of State Employees' is a clear mission: to provide comprehensive financial solutions that empower our members and support our local communities. We believe in making banking accessible and beneficial for everyone. This means offering a range of services from personal banking accounts to auto loans, mortgages, and business financing all designed with our members' best interests in mind. In addition to financial services, we are deeply invested in community support and outreach initiatives. We partner with local organizations and participate in events that uplift our neighbors, ensuring that we give back to the communities that have supported us over the decades.

Branch Location & Accessibility

Convenient Access and Features

At our branch, you'll find ample parking with easy access for everyone. We take pride in ensuring our facilities are ADA compliant, featuring ramps and other accessibility options to make your visit as smooth as possible. Whether you choose to walk in or use our drive-thru service for quick transactions, we've got you covered. Our operating hours are designed with your busy schedule in mind. We're open Monday through Friday from 8:30 AM to 5:30 PM, making it easy for you to stop by before or after work. If you're ever in need of cash outside of these hours, rest assured that we offer ATM services available around the clock.

Services Tailored Just for You

At the State Employees' branch, we provide a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, our team is here to help guide you through your financial journey. Plus, with online and mobile banking options, managing your accounts has never been easier! Should you need assistance or have questions during your visit, don't hesitate to reach out to us at 910-692-4013. We're excited to serve you and help you achieve your financial goals. We invite you to visit us soon! Whether you're stopping by for a quick transaction or looking to explore new banking options, the friendly staff at State Employees' is ready to welcome you!

Member Eligibility

At State Employees', we believe that everyone deserves access to a supportive financial community. Joining us is simple and welcoming! To become a member, you need to meet certain eligibility criteria, which generally includes being a state employee or an immediate family member of one. We want to make this process easy for you, so we encourage you to check out the full details on our eligibility page at http://www.ncsecu.org/join#eligibility. By becoming a member, you'll not only gain access to a range of valuable financial services but also enjoy the benefits of personalized support and community-focused banking. Opening an account with us is just as straightforward. You can start your journey by visiting our account opening page at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance along the way, don't hesitate to give us a call at (910) 692-4013. Our team is here to help you every step of the way as you join the State Employees' family!

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. Whether you're looking to expand your operations, purchase new equipment, or manage cash flow, our tailored loan products can provide the financial support you need.

Merchant Services

In today's fast-paced market, efficient payment solutions are essential. Our merchant services offer a reliable way for you to process transactions smoothly. Imagine being able to accept payments anytime, anywhere enabling you to focus on what matters most: growing your business. With options designed for both small startups and established enterprises, you can find the right fit at State Employees'. Located at 474 Pinehurst Ave Southern Pines Nc 28387 in Southern Pines, NC, we invite you to visit us or call (910) 692-4013 to explore how our business banking and commercial services can help fuel your growth. Your success is our priority!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, our business banking services provide essential tools like merchant services and business loans. We know running a business comes with its challenges; that's why we offer personalized support to help you succeed.

Credit Cards & Rewards

Our credit cards with rewards allow you to earn points on everyday purchases. Use them wisely for groceries or gas, and watch those rewards add up!

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking services ensure that managing your finances is just a tap away. With features like mobile payments and e-statements, staying on top of your accounts has never been easier. Plus, access to our ATMs allows for cash withdrawals and balance checks whenever you need them.

Drive-Thru & ATM Services

For those who prefer face-to-face interaction without leaving their cars, we offer basic drive-thru banking for deposits and withdrawals. Our ATM services provide 24/7 access to cash withdrawal options. At State Employees', we strive to be more than just a credit union; we're your financial partner in achieving both short-term needs and long-term dreams. For more information about any of our services or how we can assist you today, feel free to reach out at (910) 692-4013 or visit us at our branch! Let us help you take control of your financial future!

Personal Banking Services

Starting with personal banking, we offer various checking and savings accounts tailored to suit your lifestyle. Imagine easily managing your day-to-day spending while also building savings for future goals. Our accounts come with features like online and mobile banking, so you can check balances, transfer funds, and pay bills anytime, anywhere. If you're in the market for a vehicle, our auto loans and vehicle financing options are designed to help you hit the road without breaking the bank. We offer competitive rates that make it easier for you to drive away in the car of your choice. For those considering homeownership or looking to refinance, our mortgage loans provide flexible terms and guidance throughout the buying process. Picture yourself settling into a new home with a mortgage plan that fits your budget perfectly. Additionally, we offer personal loans and debt consolidation solutions aimed at simplifying your financial life. Whether you need funds for unexpected expenses or want to combine multiple debts into one manageable payment, we can assist you every step of the way.

Digital & Online Banking

Key Services Offered

Our online banking platform, accessible at https://www.ncsecu.org/, provides you with a user-friendly experience for all your banking needs. You can check your balance, transfer funds, and pay bills with just a few clicks. Plus, with 24/7 online banking services, you're never far from your financial information. For those who prefer a mobile experience, our mobile application makes it simple to manage your accounts right from your smartphone. Whether you're making payments or checking transactions on the go, our app keeps everything at your fingertips. If you love using mobile payments, you'll be pleased to know that we support this feature as well, allowing you to make quick transactions without the need for cash or cards.

Security and Convenience

Your security is our top priority. We offer electronic signature authorization for added peace of mind when signing documents digitally. Additionally, our e-statements provide an eco-friendly way to keep track of your account statements without the hassle of paper clutter. While we currently do not support person-to-person transfers, our commitment to providing safe and reliable banking solutions remains strong. With tools designed for real-time account management and easy access to vital information, you can feel confident knowing that you're in control of your finances. Experience the freedom of modern banking with State Employees'. Visit us at https://www.ncsecu.org/ today to learn more about how our digital and online services can benefit you!

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 understand that your trust is earned through our commitment to sound financial practices and transparency. Sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results, our performance metrics reflect a robust 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. This solid footing is further underscored by our net worth ratio of $971, which demonstrates a capital base that ensures we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. We prioritize the security of our members' savings. With $13,895,511,732 in share certificates and $15,232,786,618 in money market shares, we provide stable and rewarding financial growth opportunities. Unlike traditional banks, we focus on you the member. Our resources are dedicated to benefiting you directly; currently, we have $0 in non-member deposits that help strengthen our offerings. With $133,577,509 in undivided earnings, we continually reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is impressive; we currently hold $193,516 in used auto loans and $34,904,944,116 in total loans and leases, ensuring that your financial goals across various sectors are supported. Our operational efficiency shines through with a reported net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We are proud to have 7,729 full-time employees and 529 part-time employees who are ready to assist you with any needs or questions you may have. Finally, our net shares amount to $574,556,810, representing funds available for lending and investments. We also boast a growing member base with a total of 5,850,875 share accounts an affirmation that more people 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 474 Pinehurst Ave Southern Pines Nc 28387 or call (910) 692-4013 to learn more about how we can help you achieve your financial goals.

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 provide flexible terms to ensure you find the right fit for your budget.

Credit Lines

For those looking for flexibility in their borrowing options, our total credit lines amount to $18,909,000,000. This service allows you to access funds when you need them most without having to apply for a new loan each time.

Get Started Today

Whether you're interested in an auto loan or exploring mortgage options, our team at State Employees' is ready to assist you every step of the way. Contact us at 910-692-4013 or visit us at 474 Pinehurst Ave Southern Pines NC 28387. For more information on eligibility and account opening processes, check out our website. 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 towards achieving your financial goals!

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. Our team is here to guide you through the process and help you secure the best terms available.

Refinancing Options

If you're considering refinancing your current loans or mortgages for better rates or terms, we have options available that can help lower your monthly payments and overall interest costs. Speak with one of our loan officers today to explore how refinancing could benefit you.

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 come with competitive rates and no annual fees perfect for making everyday purchases or handling unexpected expenses.

Loan Aggregator

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