State Employees' Credit Union Spruce Pine NC: Affordable Auto Loans & Business Banking

Introduction

Welcome to State Employees' Credit Union in Spruce Pine, NC! Nestled at 10956 S 226 Hwy, our branch has proudly served the community since 1937. With a deep commitment to our members and an impressive total membership of 2,847,943, we strive to provide personalized financial solutions tailored to meet your needs. As a member-owned cooperative, we emphasize trust and reliability, ensuring that your financial well-being is our top priority. Our total assets of $57,229,286,839 reflect our strong financial health, while our net worth stands at an impressive $5,446,832,560, showcasing our stability and ability to serve you better. In addition to traditional banking services such as checking and savings accounts, we offer various loan options including auto loans and personal loans. Currently, we have a total of 1,194,630 loans and leases available to help you achieve your financial goals. Our total deposits amount to $7,866,265,767, demonstrating the trust placed in us by our members. While you can easily visit us at our branch location for any inquiries or assistance during our operating hours from 8:30 AM to 5:30 PM, official correspondence should be sent to the same address: 10956 S 226 HWY, SPRUCE PINE, NC 28777. If you need immediate assistance or want to know more about our services, feel free to call us at 828-766-6633. Under the leadership of CEO Leigh Brady and Board President Mona Moon, we are dedicated to enhancing your financial experience. We invite you to explore what makes State Employees' Credit Union a trusted partner in your financial journey. Visit us today or check out our website at ncsecu.org for more information!

Branch History & Mission

Community Engagement

State Employees' is deeply rooted in Spruce Pine and surrounding areas. We actively engage in community outreach initiatives and partnerships that aim to uplift those around us. By supporting local events and organizations, we reinforce our commitment not only to our members but also to the greater good of our community. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 10956 S 226 HWY, Spruce Pine, NC 28777. We invite you to join us at State Employees' Credit Union and become part of a family dedicated to making a positive impact in your life and community. Experience firsthand how we can help you reach your financial aspirations while enjoying the benefits of belonging to a supportive network. Visit us today or call us at (828) 766-6633!

Our Mission

Our mission is simple yet profound: to provide high-quality financial services while fostering community support. We believe in making banking accessible and beneficial for everyone. Whether it's personal banking options like checking and savings accounts or loans for vehicles and homes, our focus is on helping you achieve your financial goals. We take pride in being more than just a financial institution; we are a partner in your journey. Our programs are designed with your needs in mind. From offering competitive auto loans to providing online and mobile banking solutions, we strive to enhance your experience every step of the way. We also prioritize accessibility by ensuring ADA compliance across all services.

Branch Location & Accessibility

Accessibility and Features

Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking for our members. If you're in a hurry, take advantage of our drive-thru banking services, which allow you to complete simple transactions without having to leave your car. Plus, we have an ATM available for quick cash withdrawals and balance checks.

Call to Action

Ready to experience exceptional service? Feel free to stop by or call us at 828-766-6633 with any questions. We look forward to welcoming you at the State Employees' branch in Spruce Pine!

Operating Hours

We understand how busy life can get! That's why our lobby hours are tailored to fit your schedule. You can visit us from Monday through Friday, between 8:30 AM and 5:30 PM. Our dedicated team is eager to provide you with support for all your personal banking needs, including checking and savings accounts, auto loans, mortgages, and more.

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming! If you live or work in North Carolina, or are related to someone who does, you're likely eligible to join us. We encourage individuals from all walks of life to take advantage of our services designed with you in mind, whether it's for personal banking, loans, or financial guidance. To learn more about the specific eligibility criteria, feel free to check out this detailed resource: http://www.ncsecu.org/join#eligibility . Joining is just a few steps away! You can open your account easily online by visiting 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 (828) 766-6633. We're here to help and excited to welcome you into the State Employees' family!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer practical merchant services that help streamline your operations. Imagine having a reliable payment processing system that lets you accept payments seamlessly, whether online or in-store. Our services are designed to enhance your cash flow management, making it easier for you to focus on what matters most growing your business. Explore how State Employees' can be your partner in success right here at 10956 S 226 Hwy Spruce Pine Nc 28777, Spruce Pine, NC. Reach out to us at (828) 766-6633 to learn more about our offerings!

Tailored 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.

Comprehensive List Of Services

Business Banking

For small business owners, we provide specialized services such as merchant services and business loans. We understand that running a business comes with its challenges, so we are committed to supporting your financial journey every step of the way.

Credit Options

We also offer credit cards with rewards that allow you to earn while you spend. It's perfect for those who want to maximize their purchases while enjoying benefits like cashback or travel points.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why online and mobile banking features are essential parts of our service package. You can manage your accounts anytime, anywhere whether it's checking your balance, transferring funds, or paying bills from the comfort of your home. Additionally, we provide access to an ATM for cash withdrawals and basic drive-thru banking services for deposits and simple transactions. This ensures that even when you're on the go, managing your money remains hassle-free.

Get in Touch

Our friendly staff at State Employees' are always ready to assist you with any questions or concerns. If you're interested in learning more about our services or wish to discuss how we can help with your specific financial needs, don't hesitate to reach out! Call us today at (828) 766-6633 or visit us at our branch location in Spruce Pine. Explore what we have to offer and let us be your trusted partner in achieving your financial goals!

Personal Banking

One of the cornerstones of our offerings is personal banking. We provide various checking and savings accounts tailored to help you meet your financial objectives. Imagine having a checking account that allows you to easily track your spending and savings goals, ensuring you're always on top of your finances. For those considering purchasing a new vehicle, our auto loans and vehicle financing options can help turn that dream into reality. We understand how important reliable transportation is, which is why we offer competitive rates to fit your budget. Thinking about owning a home? Our mortgage loans and refinancing services are designed with you in mind. We guide you through every step of the mortgage process, making it easier for you to secure the best deal possible. If you're facing unexpected expenses or need extra cash flow, our personal loans and debt consolidation solutions are here for you. This service can help simplify your payments and reduce financial stress.

Digital & Online Banking

Accessibility and Convenience

Whether you're checking your account during lunch or reviewing transactions late at night, our online banking services are designed for your convenience. You can enjoy real-time account management that keeps you informed about your finances whenever you need it. With these digital solutions, State Employees' empowers you to take control of your financial journey with ease and confidence. Join us today to experience how convenient banking can be!

Key Features

Our online banking platform is not only user-friendly but also highly secure. We prioritize your safety with features like electronic signature authorization, making it simple to sign documents without the need for paper. Plus, you can opt for e-statements, helping you keep track of your finances while reducing clutter in your inbox. For those who prefer banking on their mobile devices, our mobile application ensures that you have all the tools you need right at your fingertips. You can make mobile payments easily, allowing you to pay for goods and services quickly without fumbling with cash or cards. While person-to-person transfers are not currently available, our other features provide ample ways to manage your money effectively.

Financial Strength

Growing Member Base

Total Share Accounts: 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. 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 10956 S 226 Hwy Spruce Pine Nc 28777 or call (828) 766-6633 to learn more about how we can help you achieve your financial goals.

Investment in Future Services

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 your financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases.

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.

Operational Efficiency

Our $0 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.

Strong 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 $971 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

Additional Offerings

We pride ourselves on providing excellent services beyond just loans. Members benefit from our personal banking services, which include checking and savings accounts, debt consolidation options, and business banking solutions. If you're interested in any of these loan offerings or have questions about eligibility requirements and refinancing options, please don't hesitate to reach out to us at (828) 766-6633. Our team at State Employees', located at 10956 S 226 Hwy Spruce Pine Nc 28777, Spruce Pine, NC, is ready to assist you during our operating hours from 8:30 AM to 5:30 PM. For more information about our services and to apply for a loan today, visit us online at https://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.

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 interested in financing a brand-new model or a reliable used vehicle, our dedicated team is here to guide you through every step of the process.

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 personalized support to ensure you find the right mortgage product for your financial situation. If you're considering refinancing your current mortgage, we have options available that may lower your monthly payments or help you access equity in your home.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be tricky. That's why 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. This credit option provides you with the freedom to make purchases when needed while keeping your cash flow intact.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans