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

Introduction

Welcome to State Employees' Credit Union! Located at 210 N Park Rd, Wadesboro, NC 28170, we are proud to serve our community with dedication and care. Established in 1937, our credit union has grown into a trusted financial partner for over 2.8 million members, offering a wide range of services tailored to meet your needs. At State Employees', we believe that everyone deserves access to reliable financial services. With total assets of $57,229,286,839 and deposits amounting to $7,866,265,767, we are committed to the financial well-being of our members. Our team is led by CEO Leigh Brady and Board President Mona Moon, who are passionate about helping you achieve your financial goals. We understand the importance of community support. That's why we strive to provide exceptional service through various offerings including personal banking, auto loans, mortgages, and business banking solutions. Our team is here to assist you every step of the way. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 210 N PARK RD, WADESBORO, NC 28170. If you're looking for a credit union that puts its members first, look no further than State Employees'. With a net worth of $5,446,832,560 and cash in hand totaling $708,661,969, you can trust that your money is secure with us. Ready to take the next step? Visit our website at ncsecu.org or give us a call at 704-695-1171. We're excited to help you reach your financial dreams!

Branch History & Mission

A Legacy of Service

Since our inception, we have focused on providing exceptional financial services tailored to meet the needs of our community. Over the decades, we have evolved by introducing innovative products while maintaining our core mission: to empower our members through accessible and affordable financial solutions. Whether it's personal banking, auto loans, or mortgage refinancing, we are dedicated to enhancing the financial well-being of every member who walks through our doors. Our branch has undergone significant transformations over the years. We have embraced digital advancements to improve convenience for our members with options like online banking and mobile payments. Our commitment to accessibility extends beyond technology; we ensure that all facilities are ADA compliant so that everyone can enjoy our services without barriers.

Community Commitment

At State Employees', our mission goes beyond just financial transactions. We believe in giving back to the communities we serve. Through various outreach programs and partnerships with local organizations, we actively support initiatives aimed at improving lives in Wadesboro and surrounding areas. This includes financial literacy workshops and community events designed to foster engagement and growth. Our operating hours reflect our dedication to being there when you need us most. We are open Monday through Friday from 8:30 AM to 5:30 PM, providing ample opportunity for you to visit us for your banking needs. For those who prefer added convenience, we also offer drive-thru service and ATM access right here at the branch. While members can visit us at 210 N Park Rd for all their banking needs, official correspondence should be sent to the same address as there is no separate mailing location.

Join Us

We invite you to become part of the State Employees' family and experience firsthand how we can support your financial journey. Discover a credit union that not only prioritizes your financial health but also invests in the well-being of the entire community. Together, let's build a brighter future for everyone in Wadesboro. For more information about joining us or exploring our services, feel free to call us at 704-695-1171 or visit our website. Welcome home!

Branch Location & Accessibility

Accessibility Features

At our State Employees' branch, we prioritize accessibility for all members. The building is ADA compliant, featuring ramps and designated parking spaces to ensure everyone can enjoy a hassle-free visit.

Call to Action

We invite you to visit us at the State Employees' branch today! If you have any questions or need further assistance, feel free to give us a call at 704-695-1171. We look forward to serving you soon!

Nearby Landmarks

Located near local favorites and essential services, our branch is close to several notable spots. Whether you're visiting us after a meal at a nearby restaurant or before heading to one of the local parks, you'll find us easily accessible and ready to assist you with your banking needs.

Operating Hours

We're open Monday through Friday from 8:30 AM to 5:30 PM, providing ample opportunity for you to come in and speak with our friendly staff. Whether you need assistance with personal banking, loans, or simply want to ask questions about our services, we're here to help during these hours.

Services Offered

Our location offers a variety of services designed with your convenience in mind. You can take advantage of our drive-thru banking for quick transactions without leaving your car. Plus, we have an ATM available for those times when you need cash on the go. From checking and savings accounts to auto loans and credit cards with rewards, we have everything you need right here.

Member Eligibility

Becoming a member of State Employees' feels like joining a welcoming family where your financial needs are prioritized. If you're interested in joining, the eligibility is quite straightforward and designed to include as many people as possible. Generally, anyone who lives, works, or worships in the area served by our branch can apply for membership. This means that if you're part of the Wadesboro community or nearby, you're likely eligible! For specific details about eligibility requirements, feel free to check out our dedicated page at http://www.ncsecu.org/join#eligibility. Once you determine that you qualify, opening an account is simple and convenient! You can get started right away by visiting us at our branch located at 210 N Park Rd Wadesboro Nc 28170 or online through our secure portal. If you have any questions or need assistance during the process, don't hesitate to give us a call at (704) 695-1171. We're here to help you take this exciting step towards better banking with State Employees'!

Business Banking & Commercial Services

Business 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.

Merchant Services

Additionally, our merchant services simplify daily transactions, allowing you to focus on what matters most running your business. Imagine seamless payment processing that enhances customer satisfaction and boosts your bottom line. With tools designed for ease of use and efficiency, State Employees' is here to help you navigate every step of your financial journey. Whether you're a seasoned entrepreneur or just starting out, our team is dedicated to providing the resources and support you need for lasting success. Reach out today at (704) 695-1171 to learn more about how we can assist you!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Are you dreaming of a new car? With our auto loans and vehicle financing, you can turn that dream into reality. We offer competitive rates and flexible terms, ensuring that you can find the perfect financing solution for your budget. Our team is here to guide you through the process, making it easy for you to drive away in your new vehicle without the stress.

Business Banking Services

For our business members, we offer specialized business banking services, including merchant services and business loans. We recognize that running a business requires support and resources; thus, we're dedicated to helping you thrive in Wadesboro's vibrant economy.

Convenient Banking Features

To ensure banking is as easy as possible for you, we provide a variety of convenient features such as ATM access for quick withdrawals and balance checks and basic drive-thru banking services for deposits and simple transactions. With our robust online and mobile banking tools, managing your finances has never been easier! We're located at 210 N Park Rd, Wadesboro, NC 28170, ready to assist you during our operating hours from 8:30 AM to 5:30 PM on weekdays. If you're interested in learning more about any of these services or have questions about how we can help you achieve your financial goals, please don't hesitate to reach out at 704-695-1171. Ready to get started? Visit us today or explore more about our offerings on our website. Join the family at State Employees' where your financial success is our priority!

Credit Cards with Rewards

Want to earn rewards while making everyday purchases? Our credit cards with rewards allow you to do just that! Enjoy benefits like cash back or points toward travel when using your card for regular expenses. Plus, managing your credit is made simple through our online platform.

Mortgage Loans & Refinancing

Buying a home is one of life's biggest investments. At State Employees', we provide comprehensive mortgage loans and refinancing options designed to help you secure the best deal possible. Imagine settling into your new home with confidence, knowing you've made an informed choice with our expert assistance.

Personal Banking Solutions

Whether you're looking to open a checking account for everyday transactions or establish a savings account for future goals, State Employees' has you covered. We understand that managing finances is crucial, so we offer personal banking options that cater to various lifestyles. Imagine having the ability to easily transfer money between accounts or access funds from anywhere through our online and mobile banking platforms.

Personal Loans & Debt Consolidation

Sometimes, unexpected expenses arise or debt can feel overwhelming. That's where our personal loans and debt consolidation services come in handy. Whether it's for home repairs, medical bills, or consolidating multiple debts into one manageable payment, we are here to help you regain control of your finances.

Digital & Online Banking

Convenient Transfers

While we currently do not support person-to-person transfers, our other features make managing your finances simple and straightforward. Enjoy the peace of mind that comes with real-time account management and easy navigation. At State Employees', we aim to provide all the tools you need for efficient financial management while prioritizing safety and convenience. Join us today and explore how our digital banking services can enhance your experience!

Mobile Banking Options

For those who prefer banking on-the-go, our mobile application is perfect for you. It allows you to make mobile payments easily and keep track of your finances right from your smartphone. Plus, e-statements are readily available, giving you quick access to your account statements without the clutter of paper.

Online Banking Services

With our 24/7 online banking services, available at https://www.ncsecu.org/, you can check balances, pay bills, and transfer funds whenever it suits you. No need to wait in line or rush to make it to the branch before closing hours. Our platform is user-friendly, ensuring that all members can navigate their accounts without any hassle.

Security Features

We take your security seriously. With electronic signature authorization available, signing important documents has never been easier or safer. You can manage sensitive transactions from the comfort of your home while knowing that your information is protected.

Financial Strength

Growing Together

With $574,556,810 available for lending and investments, alongside a growing member base reflected by 5,850,875, it's clear that many trust us with their finances. This strong community connection allows us to thrive together. 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 210 N Park Rd Wadesboro Nc 28170 or call (704) 695-1171 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.

Member 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 operational efficiency shines through with a net income of $2,145,244, which enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 7,729 full-time employees and 529 part-time employees who are ready to serve you with expertise and care.

Our 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.

Reinvesting in You

Our commitment to your financial well-being is evident in our $133,577,509 in undivided earnings. We reinvest these funds into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, 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.

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 considering a brand-new model or a reliable used vehicle, we have flexible terms designed to fit your budget.

Business Financing

For business owners, while we currently have no outstanding commercial loans, our aim is always to support local enterprises as they grow and expand. Should you need capital for your business ventures in the future, we'll be ready to help. At State Employees', we believe that everyone deserves access to fair and affordable financing solutions. If you're interested in refinancing your current loans or want to explore eligibility options, please don't hesitate to reach out to us at (704) 695-1171. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to assisting you in achieving your financial dreams!

Credit Cards and Personal 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 can provide you with the financial flexibility needed for unexpected expenses or planned purchases without the burden of high-interest rates. Additionally, if you're looking for personal loans for debt consolidation or other needs, we are here to assist you with personalized solutions that fit your lifestyle.

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 pride ourselves on guiding you through the mortgage process with ease, ensuring you understand all your options along the way.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and accuracy, LendMesh is designed to help users navigate the lending landscape with ease. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to compliance guarantees that users receive fair and transparent offers from reputable lenders. One of the standout features of LendMesh is its use of verified data. All loan offers are sourced from legitimate financial institutions, which fosters trust and clarity in the comparison process. Additionally, there are no sponsored listings on LendMesh; lenders are not prioritized based on paid promotions. This approach ensures that users receive unbiased results, allowing them to make informed decisions. LendMesh also provides real-time rate comparisons, ensuring that users have access to up-to-date loan rates from multiple institutions. This feature is crucial for anyone looking to secure the best possible deal on their loan. 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!" Such testimonials underline the effectiveness of this tool in helping individuals find competitive loan 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.

STATE EMPLOYEES' CREDIT UNION - Wadesboro, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Wadesboro, NC (28170)