State Employees' Credit Union Troy NC: Affordable Vehicle Loans & Top Checking

Introduction

Welcome to State Employees', your trusted financial partner located at 1058 Albemarle Rd, Troy, NC 27371. Established in 1937, we have proudly served our community for decades, building a strong foundation of trust and reliability among our members. With a total membership of over 2.8 million, we are committed to providing personalized banking services tailored to meet your needs. At State Employees', we understand that financial well-being is essential for both individuals and families. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Our total assets amount to an impressive $57,229,286,839, ensuring we have the resources to support you every step of the way. Our dedicated team of 8,258 employees is led by CEO Leigh Brady and Board President Mona Moon, who are both passionate about enhancing your banking experience. Whether you need assistance with personal finance or business solutions, our knowledgeable staff is here to help. While members can visit us at our branch location in Troy, official correspondence should be sent to the same address: 1058 Albemarle Rd, Troy, NC 27371. If you have any questions or need assistance, don't hesitate to reach out at 910-572-9021. Join us today and discover the difference that being a part of State Employees' can make in your financial journey! Visit our website at www.ncsecu.org for more information on how we can serve you better.

Branch History & Mission

Welcome to the heart of Troy, North Carolina, where the legacy of the State Employees' Credit Union began in 1937. Over the years, we have grown and evolved into a trusted financial partner for our community. Today, we proudly serve over 2.8 million members, helping them achieve their financial goals while promoting a spirit of cooperation and support. Located at 1058 Albemarle Rd, Troy, NC 27371, our branch stands as a beacon of hope and financial empowerment. With our convenient drive-thru banking services and ATM availability, we strive to make banking accessible and straightforward for everyone. Our operating hours from 8:30 AM to 5:30 PM on weekdays ensure that you can visit us when it suits you best. At State Employees', our mission is clear: we are dedicated to providing exceptional financial services while giving back to the communities we serve. We offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. But more than just numbers and transactions, we emphasize community support through partnerships and outreach initiatives that uplift those around us. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 1058 ALBEMARLE RD, TROY, NC 27371. Our commitment goes beyond just being a bank; we are here to empower you with knowledge about your finances and provide tools that help you succeed. We embrace modern technology with features like online banking and mobile payments so that managing your finances is easier than ever. Our ADA-compliant facilities ensure everyone feels welcome here. Join us at State Employees' Credit Union in Troy, where your financial well-being is our priority. Experience firsthand how we combine trusted service with community spirit. Become a member today and take the first step toward achieving your financial dreams! For more information or assistance, feel free to reach out at 910-572-9021. We look forward to welcoming you!

Branch Location & Accessibility

Banking Hours That Fit Your Schedule

We know that your time is valuable. That's why our lobby hours are designed to accommodate your busy life. We're open Monday through Friday from 8:30 AM to 5:30 PM. Whether you're stopping by on your way to work or during lunch break, we're here to help you with personal banking needs including checking and savings accounts, auto loans, mortgages, and more.

Call Us Today!

Have questions? Give us a call at 910-572-9021. Our dedicated team is always ready to help you navigate your financial journey. We invite you to visit the State Employees' Credit Union branch in Troy today where exceptional service meets community spirit!

Convenient Access and Amenities

Finding us is simple! We offer ample parking options right outside the branch, and our facilities are fully compliant with ADA standards. This means everyone can enjoy seamless access to our services. If you're in need of cash or quick banking transactions, take advantage of our drive-thru service. Whether you're making deposits or withdrawals, our friendly staff is ready to assist you without the hassle of leaving your vehicle. While members can visit us at 1058 Albemarle Rd, official correspondence should be sent to 1058 ALBEMARLE RD, TROY, NC 27371 if needed.

Member Eligibility

At State Employees', we believe that joining our community means becoming part of something special. We welcome individuals who are public employees, their family members, and even those who live or work in the areas we serve. If you're ready to enjoy the many benefits of membership, you can easily check your eligibility by visiting our website at http://www.ncsecu.org/join#eligibility. Here, you'll find all the details about who can join and what it takes to be a part of our supportive family. Becoming a member is not just about opening an account; it's about access to personalized financial services that truly cater to your needs. You can look forward to competitive rates on loans, excellent savings options, and a range of services designed with your financial well-being in mind. Ready to take the next step? Opening an account is straightforward simply visit us online at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (910) 572-9021. Our friendly team is here to assist you every step of the way!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services empower local businesses by streamlining payment processing. Imagine a busy Saturday at your café, where customers can pay swiftly using their mobile wallets or credit cards. Our services ensure that transactions are quick and secure, allowing you to focus on what matters most serving your customers. Located at 1058 Albemarle Rd Troy Nc 27371, Troy, NC, we're here to help you take your business to the next level. Contact us today at (910) 572-9021 to learn more about how we can assist you!

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 Solutions

Running a business comes with its own set of challenges, and that's why we offer specialized support through our business banking services. From merchant services that facilitate smooth transactions to business loans designed to fuel growth, we have the tools you need to succeed.

Customer Support

We understand that sometimes you might have questions or need assistance. Our team is here for you! Feel free to reach out at 910-572-9021 during operating hours from 8:30 AM to 5:30 PM on weekdays. At State Employees', we strive to create an environment where financial well-being is within everyone's reach. If you're ready to explore how we can help you achieve your financial goals, don't hesitate! Visit us today or check out our website at ncsecu.org for more information about our offerings. Your journey towards smarter banking starts here!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features, allowing you to manage your accounts anytime and anywhere. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Need cash? Our branch is equipped with an ATM for cash withdrawals, along with basic drive-thru banking for deposits and simple transactions perfect for those on-the-go moments.

Personal Banking Services

Whether you're looking to open a checking or savings account, or need assistance with more complex financial products, our personal banking services are tailored for you. Imagine having a safe place to manage your money while earning competitive interest rates. With State Employees', you can do just that. We offer auto loans and vehicle financing options that make it easy for you to drive away in your dream car without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing services can help turn that dream into reality with manageable payment plans. For those unexpected expenses, our personal loans and debt consolidation options provide quick access to cash when you need it most. Plus, enjoy the benefits of our credit cards with rewards that give back every time you shop.

Digital & Online Banking

Always Accessible

With 24/7 online banking services, you're never far from your financial information. Whether it's early morning or late at night, accessing your accounts is simple and straightforward. The user-friendly interface allows members of all ages to navigate their finances easily. At State Employees', we prioritize not just convenience but also security. Your information is protected with advanced security measures so you can bank confidently. Discover how easy managing your finances can be with our digital and online banking services today!

Key Services

Through our online banking platform, available at https://www.ncsecu.org/, you can easily check your account balances, transfer funds, and pay bills all in one place. We also offer e-statements, making it easier than ever to keep track of your financial activity without the clutter of paper statements. Plus, with electronic signature authorization, signing documents is quick and secure.

Mobile Banking Features

Our mobile application brings banking right to your fingertips. You can make mobile payments effortlessly, ensuring that you can shop or send money when needed. While person-to-person transfers are not currently available, our other features allow for efficient management of your accounts.

Financial Strength

Comprehensive Lending Capacity

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. Whether you're looking to purchase a vehicle or need financing for other needs, we're here to help you navigate your options.

Dedicated Team Ready to Serve

We also take pride in having 7,729 full-time employees and 529 part-time employees who are committed to serving you with knowledge and care. Our team is always ready to assist you with any inquiries or concerns you may have.

Growing Member Community

Our community continues to grow with a total of 5,850,875 share accounts, showing that more members trust us with their finances every day. This expanding member base strengthens our ability to provide valuable services tailored to your needs. In conclusion, 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 1058 Albemarle Rd Troy Nc 27371 or call (910) 572-9021 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.

Investments Backed by Earnings

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 commitment to operational efficiency is reflected in our $0, which allows us to continue offering competitive loan rates and solid financial products for our members.

Member Savings Security

Your savings are our top priority. Members' funds 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.

Solid Financial 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. 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

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 eyeing a brand-new model or a reliable pre-owned option, our financing solutions are designed with you in mind.

Credit Lines

For those who prefer to have access to funds when needed, our total credit lines amount to $18,909,000,000. This gives you the flexibility to handle unexpected expenses or make larger purchases without the hassle of applying for multiple loans. If you're considering refinancing any existing loans or exploring eligibility options for our products, feel free to reach out. We're here to discuss how we can assist you further. For questions or assistance regarding any of our loan offerings, please call us at 910-572-9021. Our team is ready to help you navigate your options and find the best solutions for your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, making buying or refinancing simple. We provide clear terms and competitive rates that take the stress out of finding the right mortgage for your family.

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, our credit cards come with features that fit various spending habits and budgeting strategies.

Loan Aggregator

No Sponsored Listings

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Real-Time Rate Comparisons

With real-time rate comparisons, users benefit from up-to-date loan rates across multiple institutions. This dynamic feature allows you to make informed decisions quickly without worrying about outdated information influencing your choices. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight the effectiveness and reliability of the platform. 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.

Verified Data

LendMesh prioritizes verified data in its loan comparisons. All offers come from legitimate financial institutions that adhere to strict regulatory standards. This transparency means users can trust the information they receive, knowing it reflects genuine options rather than misleading advertisements.

State Employees

Type of Loan Offerings

Home Equity Loans

Personal Loans