State Employees' Credit Union West Jefferson NC: Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to State Employees' Credit Union in beautiful West Jefferson, NC! Located at 1024 S Jefferson Ave, our branch has been serving the community since 1937, growing alongside our members and adapting to their financial needs. With over 2.8 million members and a commitment to providing exceptional service, we are proud to offer a range of financial products designed to help you achieve your goals. At State Employees', we understand that trust is essential in banking. That's why we focus on building lasting relationships with our members. Our total assets stand at an impressive $57,229,286,839, reflecting our stability and reliability in the financial landscape. We currently manage $7,866,265,767 in deposits and have provided loans totaling 1,194,630 to assist our members in making important life decisions whether it's buying a home or financing a vehicle. Our dedicated team is led by CEO Leigh Brady and Board President Mona Moon, who ensure that every member receives the personalized attention they deserve. With a workforce of 8,258 employees, we are here to support you through every step of your financial journey. While you can visit us at our branch for all your banking needs from personal checking accounts to business loans official correspondence can be sent to the same address: 1024 S JEFFERSON AVE, WEST JEFFERSON, NC 28694. Explore more about what we can offer by visiting our website at ncsecu.org. Whether you're looking for auto loans, mortgages, or convenient online banking solutions, we've got you covered. Give us a call at 336-246-2763 or stop by during our operating hours from 8:30 AM to 5:30 PM Monday through Friday. Join us today and experience how State Employees' Credit Union can help you thrive financially!

Branch History & Mission

Community Engagement

Beyond providing financial solutions, State Employees' is dedicated to giving back. We actively engage in local events and initiatives aimed at uplifting our neighbors. Our partnerships with various organizations allow us to extend our reach and support those who need it most. Whether you're looking to open a new account or seeking guidance on managing your finances, we're here for you every step of the way. While members can visit us at 1024 S Jefferson Ave, official correspondence should be sent to 1024 S JEFFERSON AVE, WEST JEFFERSON, NC 28694 if different. Join us on this journey toward financial empowerment. Experience firsthand how State Employees' can be your partner in achieving your goals. To learn more about membership eligibility or to open an account today, please visit our website or call us at 336-246-2763. Let's build a brighter future together!

Our Mission

Our mission at State Employees' is simple yet powerful: to provide exceptional financial services while empowering our community through education, outreach, and personal support. We believe that when our members thrive, the entire community benefits. That's why we offer a wide range of services, including personal banking accounts, auto loans, mortgage options, and credit cards with rewards designed to enhance your financial journey. We understand that accessibility is crucial in today's world. Our branch is equipped with ATM availability to ensure that you can access your funds whenever needed. Additionally, we are committed to ADA compliance, making sure everyone can benefit from our services.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for all our members. Our branch offers ADA-compliant features and ramps for easy entry. Plus, there's ample parking available, so you won't have to worry about finding a spot when you visit us.

Call-to-Action

So why wait? Come visit us at the State Employees' branch in West Jefferson today! If you have any questions or need assistance before your visit, feel free to give us a call at 336-246-2763. We look forward to serving you!

Operating Hours

We're open Monday through Friday from 8:30 AM to 5:30 PM, making it easy for you to fit banking into your busy schedule. Our friendly staff is ready to assist you during these hours with a smile!

Services Offered

At the State Employees' branch, we provide a range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. If you're looking for business banking solutions or need assistance with online and mobile banking, we are here for you too! Additionally, our drive-thru service allows for quick deposits and withdrawals without having to leave your car. And don't forget about our ATM availability! With convenient access for cash withdrawals and balance checks, managing your finances has never been easier.

Member Eligibility

At State Employees', we believe that becoming a member is more than just opening an account; it's about joining a welcoming community dedicated to your financial well-being. If you live, work, worship, or attend school in the area, you're likely eligible to join us! We strive to create an inclusive environment where everyone feels valued and supported. Whether you are looking for personal banking solutions or business services, being part of State Employees' opens up a world of benefits tailored just for you. To learn more about specific eligibility criteria and ensure you're ready to take the next step, check out our detailed information at http://www.ncsecu.org/join#eligibility . When you're ready to open an account, the process is straightforward simply visit us online at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu , or give us a call at (336) 246-2763. We're excited to help you start your journey with us at our branch located at 1024 S Jefferson Ave West Jefferson Nc 28694!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a payment system that works as hard as you do. Our merchant services provide seamless transactions so you can focus on what matters most growing your business. From credit card processing to online payment solutions, we equip you with tools that help improve cash flow and enhance customer satisfaction. When you're ready to take your business to the next level, visit us at 1024 S Jefferson Ave West Jefferson Nc 28694 in West Jefferson, NC or give us a call at (336) 246-2763. Let's build a brighter future together!

Tailored Loan Solutions

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 business banking services, including merchant services and business loans. We understand that running a business comes with its challenges; that's why we're committed to offering support tailored specifically for entrepreneurs.

Credit and Loans

Managing debt can feel overwhelming at times, but with our personal loans and debt consolidation options, we can help lighten that load. Whether you need funds for unexpected expenses or want to consolidate existing debts into one manageable payment, we're ready to assist. Additionally, our credit cards with rewards offer great benefits for everyday spending. You can earn points while making purchases that fit into your lifestyle just think about the rewards you could rack up!

Digital Banking Convenience

In today's busy world, convenience matters. Our online and mobile banking services give you access to your accounts anytime, anywhere. You can manage transactions, pay bills, and check balances with ease all from the comfort of your home or on-the-go through our mobile app. We also offer an ATM for quick cash withdrawals and balance checks without needing to enter the branch. And if you prefer face-to-face interaction for simple transactions like deposits or withdrawals, our drive-thru service is here for you during lobby hours from 8:30 AM to 5:30 PM on weekdays. At State Employees', we strive to make banking not only accessible but enjoyable. Our commitment extends beyond just providing services; it includes supporting our members in their financial journeys. For more information about how we can serve you better or if you're ready to open an account, don't hesitate to call us at 336-246-2763 or visit us online at ncsecu.org. Join us today and experience the difference at State Employees'!

Home Financing

For those eyeing a new home or looking to refinance an existing mortgage, our mortgage loans and refinancing services provide flexible options suited to different budgets. Picture yourself settling into your dream home, knowing you've made a smart financial choice with our competitive rates.

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that come with features tailored for everyday use. Imagine having easy access to your funds whenever you need them, along with the peace of mind that comes from knowing your money is secure. If you're considering purchasing a new car or refinancing your current vehicle, our auto loans and vehicle financing options can help make that dream a reality. We understand that reliable transportation is essential, and we're here to support you every step of the way.

Digital & Online Banking

Convenient Online Banking Services

With our 24/7 online banking services, you can check your balance, pay bills, and transfer funds with just a few clicks. Need to sign a document? No problem! Our electronic signature authorization feature allows you to handle important paperwork without the hassle of printing and scanning. Plus, you can choose to receive e-statements for quick access to your account statements, which not only saves paper but also helps you stay organized.

Mobile Banking Made Easy

On top of that, if you're always on the move, our mobile application is perfect for you. You can make mobile payments easily just tap and go! While person-to-person transfers are currently not available, our app still provides everything else you need for effective money management right in your pocket. We prioritize your security while making banking convenient. All our digital features are designed with user-friendly interfaces so that anyone can navigate them comfortably. With real-time account management at your fingertips, you'll have peace of mind knowing that your finances are just a click away. Experience the convenience of digital banking at State Employees' today! Visit us online at https://www.ncsecu.org/ to get started on managing your finances effortlessly.

Financial Strength

Growing Member Base

Total Share and Deposit 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 1024 S Jefferson Ave West Jefferson Nc 28694 or call (336) 246-2763 to learn more about how we can help you achieve your financial goals.

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.

Reinvesting for Your Benefit

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 $193,516 in used auto loans and $34,904,944,116 in total loans and leases show our commitment to supporting members' financial goals across various sectors.

Secure Savings Options

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.

Solid 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

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.

Credit Lines

In addition to auto and mortgage loans, we provide credit lines totaling $18,909,000,000, allowing you access to funds when you need them most. This product is perfect for those who want flexibility in managing unexpected expenses. If you're interested in any of our loan products or want more information about refinancing options or eligibility requirements for membership at State Employees', please don't hesitate to reach out. You can contact us at 336-246-2763. 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're here to help you navigate your financial journey let's take that next step together!

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 purchasing your first home or refinancing an existing mortgage, our team is here to guide you through the process.

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. These cards come with competitive interest rates and rewards programs that can benefit you while making purchases.

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 commitment to transparency and reliability, LendMesh equips users with the tools needed to make informed borrowing decisions. 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 approach guarantees that users receive fair and transparent offers tailored to their needs. One of the standout features of LendMesh is its focus on verified data. All loan offers are sourced from legitimate financial institutions, which means users can trust that they are viewing genuine options. Additionally, LendMesh maintains integrity in its listings by not prioritizing lenders based on paid promotions our goal is to provide unbiased results for every user. The platform also excels in delivering real-time rate comparisons. By offering up-to-date loan rates from multiple institutions, LendMesh helps users navigate their options effectively. This capability empowers individuals to secure better deals and potentially save thousands over the life of a 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 reflect the positive impact of using this tool in making important financial decisions. 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 - West Jefferson, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans