Nc State Employee Credit Union

In the welcoming community of Washington, the State Employees' Credit Union branch at 152 Whispering Pines Rd is your local partner for trusted financial solutions. Open Monday through Friday from 8:30 AM to 5:30 PM, this friendly location offers convenient drive-thru banking and an onsite ATM, making everyday transactions like cash withdrawals and deposits fast and easy. Whether you're looking to secure some of the best auto loans with flexible vehicle financing or exploring competitive mortgage loans and refinancing options, this branch provides personalized service designed to help you reach your financial goals.
With over 2.8 million members statewide and assets exceeding $57 billion, State Employees’ Credit Union delivers a full range of personal and business banking services. From tailored checking and savings accounts to credit cards with rewards, business loans, and debt consolidation options, you’ll find expert guidance every step of the way. Plus, secure online and mobile banking platforms keep you connected anytime, anywhere.
Visit the State Employees' Credit Union branch at 152 Whispering Pines Rd in Washington or call 252-946-0291 today to experience community-focused service. Discover how our signature auto loans and comprehensive personal banking solutions can empower your financial future!

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 152 Whispering Pines Rd, Washington, NC 27889, we have proudly served our community since 1937. With a commitment to providing exceptional service, we have grown to support over 2.8 million members, making us one of the largest credit unions in the region. At State Employees', we understand that every member's journey is unique. That's why we offer a comprehensive range of financial services tailored to meet your needs from checking and savings accounts to auto loans and mortgage refinancing. As of now, our total assets stand at an impressive $57.2 billion, with total deposits reaching $7.9 billion. This reflects our strong position and dedication to maintaining your trust through sound financial practices. Under the leadership of CEO Leigh Brady and Board President Mona Moon, our team of over 8,200 employees is here to help you navigate your financial goals. Whether you're looking for personal banking options or business services, we are equipped to provide expert advice and support. While members can visit us at our branch location, official correspondence should be sent to 152 WHISPERING PINES RD, WASHINGTON, NC 27889 for any mail-related inquiries. We invite you to explore all that State Employees' Credit Union has to offer by visiting our website at ncsecu.org. If you have questions or need assistance, feel free to reach out at 252-946-0291 during our lobby hours from Monday through Friday, 8:30 AM - 5:30 PM. Join us today and experience the difference that a member-focused credit union can make in your financial journey!

Branch History & Mission

Community Focus

Beyond banking, we are deeply invested in the welfare of Washington. Our partnerships with local organizations allow us to engage in various outreach initiatives that uplift those around us. We take pride in being not just a financial institution but a vital part of the community's fabric. While members can visit us at 152 Whispering Pines Rd Washington Nc 27889, official correspondence should be sent to 152 WHISPERING PINES RD, WASHINGTON, NC 27889. If you have any questions or would like to learn more about how we can assist you, don't hesitate to reach out at (252) 946-0291.

Join Us!

With convenient operating hours from Monday through Friday, 8:30 AM - 5:30 PM, and features like ATM availability and drive-thru banking, we make it easy for you to bank on your terms. Come experience the difference at State Employees' where your financial journey matters. Join us today and become part of a thriving community focused on mutual success! Visit us online at https://www.ncsecu.org/ for more information or start your membership journey here.

Our Journey

From our humble beginnings, State Employees' has grown significantly, now proudly serving over 2,847,943 members. Our commitment to excellence is reflected in our total assets of $57,229,286,839, which allow us to offer a variety of products and services tailored to meet your financial needs. Located at 152 Whispering Pines Rd Washington Nc 27889, just a stone's throw away from key landmarks in the heart of Washington, we are easily accessible to everyone in the area.

Our Mission

At State Employees', our mission is clear: we strive to empower our members through exceptional financial services while fostering a spirit of community support. We believe that banking should be more than just transactions; it's about building relationships and enhancing lives. Our team is dedicated to providing personalized assistance, whether you're looking for checking and savings accounts, auto loans, mortgages, or credit cards with rewards. We also understand the importance of digital advancements in today's world. That's why we offer online and mobile banking services that make managing your finances easier than ever. Plus, with our ADA-compliant facilities, we ensure that all members can access our services comfortably.

Branch Location & Accessibility

Convenient Access

While our branch address is 152 Whispering Pines Rd, feel free to send any official correspondence to the same address. We ensure that your visits are smooth with ample parking space available right outside, making it easy to stop by whether you're coming for a quick transaction or a more detailed consultation.

Get in Touch!

Have questions or want more information? Don't hesitate to call us at 252-946-0291. We're excited to assist you and look forward to seeing you soon at State Employees' in Washington! Your financial journey starts here.

Operating Hours

We know your time is valuable, which is why we offer flexible hours for your convenience. Visit us Monday through Friday from 8:30 AM to 5:30 PM. Whether you're stopping by on your way to work or during lunch breaks, we're here when you need us!

Services Offered

In addition to traditional banking services, we provide a variety of options including ATM access for quick cash withdrawals and balance checks. Our drive-thru facility allows you to take care of transactions without leaving your vehicle. Whatever your financial needs are, we're equipped to help.

Welcoming Environment

Our branch is fully ADA compliant, featuring ramps and accessible entrances for everyone. You can rely on us for comprehensive banking services, from personal checking and savings accounts to auto loans and mortgages. Our friendly staff is here to assist you with everything from simple deposits and withdrawals at our drive-thru service to online banking needs.

Member Eligibility

At State Employees', we believe in creating a welcoming community where everyone can thrive. Joining us as a member is not just about banking; it's about becoming part of a family that supports your financial journey. To be eligible for membership, you'll need to meet certain criteria, which typically include being an employee of the state or having a family connection to someone who is. We want to make this process as easy as possible for you! For the most up-to-date eligibility details, feel free to check out our resource at http://www.ncsecu.org/join#eligibility. Ready to get started? Opening an account with State Employees' is straightforward and hassle-free. You can find all the information you need about the account opening process by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, don't hesitate to call us at (252) 946-0291. We're here to help you every step of the way!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have not issued any member commercial loans, we strive to provide opportunities that empower local entrepreneurs. Our focus remains on understanding your unique needs and helping you achieve your goals.

Merchant Services Made Easy

Imagine having a reliable partner for your payment processing needs. With our merchant services, you can accept payments easily and securely, allowing you to focus on what really matters growing your business. From credit card processing to online payment solutions, we make it simple for you to serve your customers effectively. Located at 152 Whispering Pines Rd Washington Nc 27889 in Washington, NC, our team is ready to assist you with personalized solutions that fit your business model. Feel free to contact us at (252) 946-0291 during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM. Let's work together to turn your business aspirations into reality!

Comprehensive List Of Services

Additional Services

For quick transactions, our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car. If you're on the go and need cash quickly, our ATMs provide essential services such as balance checks and withdrawals at any time. We understand that everyone has unique financial needs, which is why we strive to offer a comprehensive suite of services at Washington. Our friendly team is always ready to assist you with any questions or concerns you may have. Ready to take the next step? Visit us at 152 Whispering Pines Rd Washington Nc 27889, call us at (252) 946-0291, or explore more about what we offer by visiting our website. Join us today and experience personalized banking like never before!

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, help keep your operations running smoothly. From opening a new location to managing cash flow, we're here to support your growth every step of the way.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features that let you manage your finances anytime, anywhere. Want to check your balance or transfer funds? You can do it all from the palm of your hand with our mobile app. Plus, with access to ATMs and cash withdrawal services throughout the area, getting cash when you need it has never been easier.

Loans and Credit Options

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation solutions. This means you can tackle those pesky bills while simplifying your monthly payments into one manageable sum. And for those who like rewards, our credit cards with rewards give you incentives just for using them.

Personal Banking

One of the cornerstones of our offerings is personal banking. We provide various options for checking and savings accounts that cater to different lifestyles. Imagine having an account that fits your spending habits perfectly whether it's saving for a dream vacation or managing daily expenses. Our auto loans and vehicle financing services allow you to drive away in your new car without breaking the bank. Additionally, if home ownership is on your mind, our mortgage loans and refinancing options can help you secure the best rates available.

Digital & Online Banking

Key Features for Your Convenience

With our 24/7 online banking services, you can check your balance, transfer funds, and pay bills whenever it suits you. No more rushing to the bank during business hours; everything you need is just a few clicks away. Plus, with electronic signature authorization available, signing documents has never been easier or safer. If you prefer going paperless, our e-statements are a great option. You'll receive your statements directly to your inbox, saving you time and helping the environment. And for those who love using their smartphones, our mobile application makes banking even more convenient. Easily manage your accounts and make mobile payments right from your device.

Secure and User-Friendly Experience

We prioritize your security while providing a user-friendly experience. Our online banking features include advanced encryption to keep your information safe. You can also use person-to-person transfers to send money to friends and family quickly though it's worth noting that this feature isn't currently available at State Employees'. In today's fast-paced world, having access to real-time account management tools is essential. With our digital banking services, you can easily track your spending and manage your finances all in one place. Join us at State Employees' and take advantage of our comprehensive digital banking solutions that put control back into your hands!

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 committed to ensuring that your finances are in safe hands, providing you with the reassurance you deserve. 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. We also 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 $0 reflects our operational efficiency, enabling 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 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 152 Whispering Pines Rd Washington Nc 27889 or call (252) 946-0291 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

Additional Loan Options

In addition to these key offerings, we provide access to credit lines totaling $18,909,000,000 which can help you bridge any financial gaps as they arise. If you're considering refinancing options or looking for eligibility details for any of our loan products, feel free to reach out. You can contact us at 252-946-0291 or visit us at our branch located at 152 Whispering Pines Rd, Washington NC 27889. We're here to assist you from Monday through Friday between 8:30 AM and 5:30 PM. For more information about our loan offerings and how they can benefit you personally or professionally, please visit our website at 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 buying new or used, our financing options can make your purchase smoother and more affordable.

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 are committed to helping you find the right mortgage solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. 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 competitive rates and rewards to enhance your spending power.

Loan Aggregator

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Ensuring Accurate 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, based on the latest results (Source: https://www.ncua.gov). This means that users can trust the loan offers presented on the platform as fair and transparent.

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