Nc State Employee Credit Union

In the welcoming community of Williamston, the State Employees' Credit Union branch at 1310 Washington St is your trusted local partner for personalized financial solutions. 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 cash withdrawals and deposits quick and hassle-free. 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 delivers expert guidance tailored to your unique goals.
Serving nearly 2.85 million members statewide with assets exceeding $57 billion, State Employees’ Credit Union provides a full range of personal and business banking services. From rewarding credit cards with benefits to tailored checking and savings accounts, business loans including merchant services, and personal loans for debt consolidation—you’ll find comprehensive financial tools 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 1310 Washington St in Williamston or call 252-792-3963 today to experience friendly local service. Discover how our signature auto loans and comprehensive mortgage solutions can help you accelerate toward 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', your trusted financial partner located at 1310 Washington St, Williamston, NC 27892. Since our establishment in 1937, we've been dedicated to supporting our community and members with a wide range of financial services. Our commitment to providing reliable banking solutions is evident in our growing membership of over 2.8 million and total assets exceeding $57 billion. At State Employees', we prioritize your needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or even mortgage refinancing, we have you covered. With total deposits amounting to $7.87 billion, we ensure that your hard-earned money is safe and accessible. Our leadership team, including CEO Leigh Brady and Board President Mona Moon, is passionate about empowering our members and enhancing the community's financial well-being. We take pride in having over 8,250 employees dedicated to serving you every day. While members can visit us at our branch for face-to-face assistance, official correspondence should be sent to 1310 WASHINGTON ST, WILLIAMSTON, NC 27892. For any inquiries or assistance, feel free to call us at 252-792-3963 or visit our website at ncsecu.org. Join us as we continue to build a brighter financial future together!

Branch History & Mission

At State Employees', we take pride in our rich history and commitment to serving the community of Williamston, NC. Established in 1937, our branch has grown alongside its members, creating a legacy built on trust and financial empowerment. With over 2.8 million total memberships and assets totaling an impressive $57,229,286,839, we continue to be a pillar of support for families and individuals throughout the region. Located at 1310 Washington St, Williamston, NC 27892, our branch is easily accessible and surrounded by local landmarks that many in the community recognize. While members can visit us at this address for all their banking needs, official correspondence should be sent to 1310 WASHINGTON ST, WILLIAMSTON, NC 27892 if you prefer using our mailing address. Our mission at State Employees' is clear: we aim to provide exceptional financial services while fostering strong community ties. We believe in empowering our members by offering a range of personal banking services including checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing options, personal loans for debt consolidation, credit cards with rewards programs, as well as business banking solutions like merchant services and business loans. In addition to these offerings, we are committed to making banking accessible through online and mobile banking services. Our branch features an ATM for cash withdrawals and basic transactions along with drive-thru service for added convenience during operating hours from 8:30 AM to 5:30 PM on weekdays. As part of our dedication to community support, we actively participate in outreach initiatives that benefit local organizations and events. We believe that when our community thrives, we all thrive together. This philosophy drives our partnerships with local groups aimed at promoting financial literacy and improving the quality of life for residents. With a focus on technological advancements such as mobile payments and online banking tools that comply with ADA standards, we strive to meet the diverse needs of all members. Our customer-centric approach ensures that every interaction is meaningful and tailored to individual needs. We invite you to join the State Employees' family! Experience firsthand the benefits of being a member where your financial success is our priority. Whether you're looking for reliable banking solutions or ways to enhance your financial knowledge, we're here for you every step of the way. Visit us today or reach out at 252-792-3963 we're excited to serve you!

Branch Location & Accessibility

Welcome to the State Employees' branch, conveniently located at 1310 Washington St in beautiful Williamston, NC. Our branch is nestled in a vibrant community, making it easy for you to stop by while running errands or visiting local landmarks. Whether you're heading to the nearby Martin County Courthouse or enjoying a day at the River Park North, our location is perfectly situated for your banking needs. At State Employees', we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and parking, ensuring that everyone can visit us without hassle. If you prefer to bank from the comfort of your vehicle, we offer drive-thru services for quick and easy transactions. We're open Monday through Friday from 8:30 AM to 5:30 PM, ready to assist you with a variety of personal banking services. From checking and savings accounts to auto loans and mortgages, we have everything you need to manage your finances effectively. Plus, our ATM is available for withdrawals and balance checks whenever you need cash. If you need assistance or have any questions, feel free to give us a call at 252-792-3963. While members can visit us at 1310 Washington St, official correspondence should be sent to the same address for convenience. We invite you to come by and see how we can help make your banking experience straightforward and enjoyable!

Member Eligibility

At State Employees', we believe that everyone deserves to be part of a welcoming community focused on helping you achieve your financial goals. Becoming a member is simple! If you live, work, or worship in the area, or if you're related to someone who is already a member, you're likely eligible to join us. Our commitment to our members means you'll have access to a range of services designed just for you, including competitive loan rates and personalized banking experiences. For more detailed eligibility criteria, feel free to check out our website at http://www.ncsecu.org/join#eligibility. Ready to open your account? It's easy! You can start the process online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or simply give us a call at (252) 792-3963 if you have any questions. Our team is here to help you every step of the way. Join us at our branch located at 1310 Washington St Williamston Nc 27892 and experience the difference of being part of 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. Additionally, 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

Imagine running your business smoothly while offering your customers convenient payment options. Our merchant services allow you to accept payments effortlessly, whether it's in-store or online. This means you can focus on what you do best growing your business while we handle the complexities of payment processing. Visit us at 1310 Washington St Williamston Nc 27892, Williamston, NC, or call us at (252) 792-3963 to learn how we can partner with you on your journey to success!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash on the go? Our ATM services allow for quick withdrawals and balance checks without needing to step into the branch. Plus, with our basic drive-thru banking available for deposits, withdrawals, and simple transactions, we ensure that accessing your money is both fast and convenient. At State Employees', we're dedicated to meeting all of your financial needs under one roof. If you'd like more information about any of our services or how we can assist you further, please don't hesitate to contact us at 252-792-3963. We're here to help you navigate your financial journey! Visit us today at ncsecu.org for more details or stop by our branch in Williamston. Your future starts here!

Business Banking Services

For our business members, we provide comprehensive business banking solutions, including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we're here to assist you every step of the way.

Credit Cards and Rewards

We also offer credit cards with rewards that give you more value for your purchases. Enjoy cashback or points on every dollar spent, making it easier to save up for something special.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we prioritize online and mobile banking capabilities. Access your accounts anytime from anywhere using our user-friendly app or website. You can check balances, transfer funds, pay bills, and even deposit checks right from your smartphone.

Personal Banking Solutions

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Imagine having a checking account that helps you manage your finances easily while also earning interest with our savings options. For those looking to purchase a vehicle, we offer auto loans and vehicle financing that come with competitive rates to make your dream car more affordable. If you're thinking about buying a home, our mortgage loans and refinancing options are designed to make the process smooth and straightforward. Need some extra cash for an unexpected expense? Our personal loans and debt consolidation services can help ease your financial burdens.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to access your accounts easily, whether you're at home or on the go. You can view balances, transfer funds, and pay bills with just a few clicks. Plus, if you're looking to go paperless, we provide e-statements to help you keep track of your finances without the clutter. For those who prefer mobile banking, our user-friendly mobile application makes it simple to handle transactions right from your smartphone. With features like mobile payments, making purchases has never been easier. Just tap your phone and go!

Security You Can Trust

Your security is our priority. We offer electronic signature authorization for a smooth and safe way to sign documents digitally. This means you can complete transactions without worrying about the safety of your personal information. While person-to-person transfers are not available at this time, our other features ensure that managing your finances is straightforward and efficient. Our online services are designed with accessibility in mind so that you can focus on what matters most your financial goals. With all these services at your fingertips, State Employees' is committed to providing an exceptional digital banking experience that keeps you connected and in control of your finances. Embrace the convenience of modern banking today!

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 providing you with reliable services, which is why we focus on maintaining strong financial health. With a net worth of $5,446,832,560, we maintain robust 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. Additionally, 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 lending capacity supports your financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases. Our ability to operate efficiently is reflected in our $0, 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 who are always ready to assist 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 1310 Washington St Williamston Nc 27892 or call (252) 792-3963 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 Options

For those who may be interested in refinancing existing loans or exploring eligibility options for any of our products, we encourage you to visit our website or contact us directly. Our team is ready to help you navigate your choices and find the best fit for your financial situation. We pride ourselves on being a trusted partner in your financial journey. The performance insights and financial data presented here are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Whether you're ready to apply or just want more information about our loan offerings and services available at State Employees', don't hesitate to reach out!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $2,955,872,351 in used vehicle loans and $1,138,258,230 in new vehicle loans to help our members get on the road with confidence. These loans come with flexible terms designed to fit your budget and lifestyle.

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're here to guide you through the process and answer any questions you may have along the way.

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our flexible terms on unsecured credit card loans. We currently have $1,177,171,541 in unsecured credit card loans assisting our members in effectively managing their finances. This option provides a convenient way to make purchases while enjoying competitive rates.

Loan Aggregator

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