Nc State Employee Credit Union

In the vibrant community of Statesville, the State Employees' Credit Union branch at 1742 Wilkesboro Hwy is your trusted local partner for all your financial needs. Open Monday through Friday from 8:30 AM to 5:30 PM, this convenient location offers both drive-thru banking and an onsite ATM, making everyday transactions like deposits, withdrawals, and balance checks quick and effortless. Whether you’re looking to take advantage of 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 service.
Serving nearly 2.85 million members statewide and managing assets exceeding $57 billion, State Employees’ Credit Union provides a full range of personal and business banking solutions. From personalized checking and savings accounts to credit cards with rewards, business loans, and debt consolidation options, you’ll find tailored support designed around your lifestyle. Plus, their secure online and mobile banking platforms keep you connected anytime, anywhere.
Visit the State Employees' Credit Union branch at 1742 Wilkesboro Hwy in Statesville or call 704-873-1405 today to experience welcoming local service. Discover how our signature auto loans and comprehensive personal banking solutions can help you thrive financially!

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, your trusted partner in financial well-being located at 1742 Wilkesboro Hwy, Statesville, NC 28625. Since our founding in 1937, we've proudly served our community, growing to a membership of over 2.8 million members. With total assets amounting to an impressive $57,229,286,839, we are dedicated to providing you with reliable banking solutions tailored to your needs. At State Employees', we believe that strong communities are built on solid financial foundations. Whether you're looking for personal banking services like checking and savings accounts, auto loans, or mortgage options, we have you covered. Our team is committed to helping you achieve your financial goals while ensuring that your hard-earned money is managed wisely. Under the leadership of our CEO, Leigh Brady, and Board President, Mona Moon, we prioritize transparency and support for our members. Our total deposits stand at $7,866,265,767, reflecting the trust placed in us by our valued members. With a net worth of $5,446,832,560 and cash in hand of $708,661,969, we are well-equipped to meet your financial needs today and in the future. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 1742 Wilkesboro Hwy, Statesville, NC 28625. We invite you to explore our range of services and see how we can help you navigate your financial journey. If you're ready to take the next step towards achieving your financial dreams or have any questions about our services, don't hesitate to reach out! Call us at 704-873-1405 or visit our website at ncsecu.org for more information. Let's build a brighter financial future together!

Branch History & Mission

Join Us

As we look ahead, we invite you to become part of our growing family at State Employees'. Experience firsthand the benefits of membership whether it's competitive rates on loans or personalized service that makes you feel valued. Visit us today or explore more about joining on our website here. Together, let's build a brighter financial future!

Our Legacy

Located at 1742 Wilkesboro Hwy, our branch is easily accessible for all community members. Over the years, we've expanded our services and embraced technological advancements to ensure that banking is convenient and efficient. Our dedication to digital solutions allows us to offer features like online banking, mobile payments, and electronic signatures, making it easier for you to manage your finances from anywhere. While members can visit us at 1742 Wilkesboro Hwy, official correspondence should be sent to 1742 WILKESBORO HWY, STATESVILLE, NC 28625. This ensures that all communications reach us promptly as we continue to serve your needs.

Our Mission

At State Employees', our mission is simple yet powerful: to provide exceptional financial services while actively supporting our community. We believe that everyone deserves access to quality banking options, whether it's through personal checking accounts, auto loans, or mortgage refinancing. Our member-focused approach means that we listen to your needs and strive to deliver solutions tailored just for you. As part of our commitment to community support, we engage in various outreach efforts and partnerships that help improve lives right here in Iredell County. From educational programs to local sponsorships, we aim to make a difference beyond just banking. Our operating hours are designed for your convenience; we're open Monday through Friday from 8:30 AM to 5:30 PM. Additionally, we offer both ATM access and drive-thru banking services for quick transactions without needing to enter the branch.

Branch Location & Accessibility

Accessibility Features

At State Employees', we prioritize accessibility for all members. Our branch meets ADA standards, featuring ramps and designated parking spaces to ensure everyone can visit us comfortably. Whether you're coming in for a quick deposit or exploring your loan options, we strive to make your experience smooth and enjoyable.

Location Highlights

You can find us right off Wilkesboro Hwy, making us a quick stop whether you're heading to work or running errands. We're proud to serve the Iredell County community, and our friendly staff is ready to assist you with everything from personal banking to auto loans. If you need to send official correspondence, please note that our mailing address is also 1742 WILKESBORO HWY, STATESVILLE, NC 28625.

Operating Hours

We're here for you Monday through Friday from 8:30 AM to 5:30 PM. With these hours, you can conveniently stop by before or after work or during lunch breaks.

Services Offered

Our branch offers a range of services tailored to meet your banking needs. Enjoy personal banking options like checking and savings accounts, as well as auto loans and mortgage refinancing. We also provide credit cards with rewards and business banking solutions for local entrepreneurs. For those on the go, we have both ATM access and drive-thru banking available for quick transactions.

Visit Us Today!

Ready to experience convenient banking? We invite you to visit our Statesville branch or give us a call at 704-873-1405. Let our dedicated team help you take the next step toward achieving your financial goals!

Member Eligibility

At State Employees', we believe that everyone deserves access to financial resources in a welcoming community. Becoming a member is easy and open to those who meet certain criteria. If you live or work in the state of North Carolina, you can join us and take advantage of our tailored services designed to support your financial journey. We also welcome family members of existing members, ensuring that our community continues to grow and thrive together. For full eligibility details, we invite you to check out this resource: http://www.ncsecu.org/join#eligibility. Once you confirm your eligibility, opening an account is just a few clicks away! You can start the process online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or if you prefer a personal touch, feel free to give us a call at (704) 873-1405. Our friendly staff is ready to assist you with any questions and guide you through the steps needed to become part of the State Employees' family at our branch located at 1742 Wilkesboro Hwy Statesville Nc 28625. Join us today and experience the benefits of being a valued member!

Business Banking & Commercial Services

At State Employees', we understand that running a business takes hard work, dedication, and the right financial support. That's why we offer tailored business banking and commercial services designed to empower local entrepreneurs in Statesville, NC. Imagine having access to flexible financing options that help you take your business to the next level. Whether you're looking to expand your operations, purchase new equipment, or manage cash flow, our commercial loan products are here to help you achieve your goals. 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. In addition to loans, our merchant services simplify payment processing so you can focus on what matters growing your business. From seamless transactions to robust reporting tools, we're here to make banking easier for you. Connect with us today at 1742 Wilkesboro Hwy Statesville Nc 28625 or call us at (704) 873-1405 to learn how we can support your business journey!

Comprehensive List Of Services

Business Banking Services

For those running a business, we also offer specialized business banking services, including merchant services and business loans designed to support growth and operations. You can rely on us for the financial backing you need to thrive in today's competitive market.

Convenient Access Anytime

Convenience is key at State Employees'. Our branch features a basic drive-thru service where you can handle deposits, withdrawals, and other simple transactions without leaving your car. Need cash? Our ATMs allow for quick withdrawals and balance checks whenever you need them.

Final Thoughts

At State Employees', we prioritize your financial well-being by offering comprehensive services that fit into your life seamlessly. With our commitment to customer service and community support, we're more than just a credit union; we're your partner in achieving financial success. Ready to learn more about how we can assist you? Give us a call at 704-873-1405, or visit us at 1742 Wilkesboro Hwy, Statesville NC 28625 today! Let's take the next step together toward securing your financial future.

Financial Assistance for Everyday Needs

Life can throw unexpected expenses your way, but our personal loans and debt consolidation services are here to help alleviate some of that stress. We work with you to create a plan that suits your financial situation. Plus, with our credit cards featuring rewards, you can earn benefits while making everyday purchases.

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that fit various lifestyles and spending habits. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to check balances, transfer money, and pay bills from the comfort of your home or on the go. If you're thinking about purchasing a new vehicle, our auto loans and vehicle financing options can help make it a reality. With competitive rates and flexible terms, you can drive away in your new car without breaking the bank. Additionally, we provide mortgage loans and refinancing solutions tailored to meet your housing needs. Whether you're buying a new home or looking to lower your monthly payments, our experienced staff will guide you through the process.

Digital & Online Banking

Additional Benefits

For those who love using their phones for payments, our mobile payments feature lets you make purchases quickly and securely without needing cash or cards. While we currently don't support person-to-person transfers, our platform remains focused on offering other essential services that cater to your needs. Whether you're looking to keep track of your spending or make quick payments, State Employees' is here to support you every step of the way. Our commitment to accessibility means you can enjoy 24/7 access to your accounts whenever you need it. Experience the ease and security of managing your finances digitally with us today!

Key Features for Your Convenience

With our [online banking services](https://www.ncsecu.org/), you can check your account balances, transfer funds, and pay bills anytime, day or night. Plus, our user-friendly mobile application makes it easy to manage your accounts right from your smartphone. You can also enjoy the benefits of e-statements, which allow you to view and manage your statements digitally no more paper clutter! Security is paramount in all our offerings. With features like electronic signature authorization, you can complete transactions safely and efficiently from anywhere. We take every measure to protect your information while providing a smooth user experience.

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 proud to share that our financial strength is backed by solid metrics that reassure you of our reliability as your trusted partner in banking. 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. In addition to these strengths, we have $133,577,509 in undivided earnings which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our impressive performance is reflected in our $0, showcasing our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products tailored for 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. Net Shares (funds available for lending and investments): $574,556,810. Total Share 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 1742 Wilkesboro Hwy Statesville Nc 28625 or call (704) 873-1405 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. We provide flexible terms tailored to fit your budget and lifestyle. Plus, if you're considering refinancing your current auto loan, we have options available that could save you money each month.

Credit Lines

If you're looking for additional flexibility in managing your cash flow or unexpected expenses, consider our credit lines totaling $18,909,000,000. This option allows you to borrow as needed while only paying interest on what you use. We strive to provide loan products that meet the unique needs of our members while ensuring transparency and support throughout the lending process. For more details about eligibility and how to apply for any of these products, please visit our website at NCSECU. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Whether you're looking for a new vehicle loan or a mortgage option that works for you our dedicated team is ready to assist!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing expenses can sometimes be challenging. That's where our unsecured credit card loans come in. With a total of $1,177,171,541 in loans helping members manage their finances effectively, you can enjoy flexible terms that suit your spending habits without the need for collateral.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that all loan offers are based on the latest results from trusted financial institutions (Source: https://www.ncua.gov). By relying on verified data, users can feel confident that they are viewing fair and transparent offers.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. 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 kind of feedback highlights how LendMesh can significantly impact your financial choices. Ready to explore your options? 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.

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.