State Employees' Credit Union Wilmington NC: Low Mortgage Rates & Business Banking

Introduction

Welcome to State Employees', your trusted credit union located at 210 Racine Dr, Wilmington, NC 28403. Since our establishment in 1937, we have proudly served our community, growing to a strong membership of over 2.8 million individuals who count on us for their financial needs. With total assets exceeding $57 billion, we are committed to providing personalized banking solutions that empower our members. At State Employees', we understand the importance of reliable financial support. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, and business banking solutions. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, works tirelessly to ensure that every member feels valued and supported. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to the same address: 210 RACINE DR, WILMINGTON, NC 28403. We also invite you to explore our website at ncsecu.org for more information about our services. With a robust net worth of over $5.4 billion and total deposits around $7.9 billion, you can trust that your finances are in good hands with us. Our commitment to excellence is reflected in our dedicated staff of 8,258 employees, ready to assist you. We encourage you to reach out at 910-793-3977 or visit us during our lobby hours from 8:30 AM to 5:30 PM Monday through Friday. Join us today and experience the difference a member-focused credit union can make!

Branch History & Mission

Looking Ahead

As we continue to adapt to the changing needs of our members, we embrace digital advancements that make banking easier than ever before. Our online and mobile banking platforms allow for hassle-free transactions right from your fingertips. We are also committed to ensuring that our services are accessible for everyone by adhering to ADA compliance standards. We invite you to join us at State Employees'. Experience firsthand how we blend tradition with innovation while providing personalized service tailored just for you. Together, let's build a stronger financial future! For more information or assistance, feel free to call us at 910-793-3977 during our operating hours from 8:30 AM to 5:30 PM on weekdays. Join us today and become part of a community-focused organization dedicated to your success!

Our Journey

From our humble beginnings, we have evolved into a trusted financial partner. Our branch is located at 210 Racine Dr, Wilmington, NC 28403, a convenient spot that is easily accessible to all. With the beautiful backdrop of New Hanover County and close proximity to local landmarks, we're proud to be part of such a vibrant community. As we grew, so did our capabilities. Today, we manage total assets exceeding $57 billion, reflecting our dedication to responsible banking and financial stewardship. We are equipped with modern conveniences such as ATM availability and drive-thru banking, ensuring that our members can access their funds whenever they need them.

Our Mission

At the heart of State Employees' mission is the goal to provide exceptional financial services while enhancing the lives of those in our community. We believe in empowering our members through education and support, whether it's offering personal loans, auto financing, or credit cards with rewards. But our commitment doesn't stop at banking; we actively engage in community outreach initiatives that help uplift those around us. While members can visit us at 210 Racine Dr, official correspondence should be sent to 210 RACINE DR, WILMINGTON, NC 28403 if you need to reach us by mail.

Branch Location & Accessibility

Welcome to State Employees' at 210 Racine Dr, Wilmington, NC 28403! Our branch is conveniently located near the heart of Wilmington, making it easy for you to stop by for your banking needs. Whether you're heading to nearby landmarks like Independence Mall or enjoying a day at Wrightsville Beach, our location is just a quick detour on your journey. We understand that accessibility is important. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us comfortably. Plus, we offer ample parking space for both our members and visitors. At State Employees', we pride ourselves on our commitment to serving you. Our lobby hours are from 8:30 AM to 5:30 PM on weekdays, giving you plenty of time to come in and speak with our friendly staff about personal banking options like checking and savings accounts, auto loans, mortgage loans, and more. If you prefer the convenience of banking from your car, we also have a drive-thru service available for deposits and simple transactions. For those who need access outside of regular hours, we have an ATM on-site for quick cash withdrawals and balance checks. While you're here, feel free to reach out to us at 910-793-3977 if you have any questions or need assistance. While members can visit us at 210 Racine Dr for all their banking needs, official correspondence should be sent to the same address for consistency. We invite you to come by and discover how State Employees' can help you achieve your financial goals!

Member Eligibility

At State Employees', we believe that becoming a member means joining a supportive family dedicated to helping you achieve your financial goals. If you live, work, or attend school in North Carolina, you're likely eligible to join us. We welcome a variety of individuals, including state employees and their families, so there's a good chance you can be part of our community. To learn more about the specific eligibility criteria, feel free to visit our website at http://www.ncsecu.org/join#eligibility . Joining is as simple as filling out an application, and you can easily start the process online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu . Once you're a member, you'll gain access to a wide range of benefits, including competitive rates on loans and savings products, personalized service, and robust online banking tools. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (910) 793-3977. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial 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 support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that adapt to your needs. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services simplify payment processing for your business. Picture this: a customer walks into your store and easily completes a purchase using their card. Our services ensure quick transactions, allowing you to focus on what matters most growing your business. Located at 210 Racine Dr Wilmington Nc 28403 in Wilmington, NC, we're here to provide the financial resources and support you need to thrive. Reach out today at (910) 793-3977 to learn more about how we can assist your business journey!

Comprehensive List Of Services

ATM Access & Drive-Thru Services

Need cash quickly? Our ATM and cash withdrawal services ensure that you have access to funds whenever needed. Plus, for those who prefer face-to-face interactions without leaving their vehicles, we offer basic drive-thru banking for deposits, withdrawals, and simple transactions.

Business Banking Services

For our local entrepreneurs and small businesses, we offer essential business banking services, including merchant services and business loans. We recognize that every business is unique, so we work closely with you to find the right solutions that support your goals.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your finances anytime, anywhere. With easy access to your accounts through our website or mobile app, you can check balances, transfer funds, pay bills, and more all at your fingertips.

Credit Card Options

Don't forget about our credit cards with rewards! These cards are designed not only to give you purchasing power but also rewards that add value back into your everyday spending.

Get Started Today!

With all these fantastic services available at State Employees', it's easy to see why so many people in Wilmington choose us as their trusted financial partner. If you're ready to take control of your finances or explore how we can help you achieve your goals, give us a call at (910) 793-3977 or visit us today! Let's work together towards a brighter financial future!

Personal Banking Solutions

We understand that managing personal finances can sometimes feel overwhelming. That's why our offerings include checking and savings accounts tailored to fit different lifestyles. Whether you're saving for a special occasion or just need a reliable account for daily expenses, we've got you covered. Additionally, if you're considering a new vehicle or need help with existing car payments, our auto loans and vehicle financing options provide competitive rates and flexible terms. For those looking to invest in a home, our mortgage loans and refinancing services are here to guide you through the process. We aim to simplify what can often be a complex journey into homeownership. If you're facing unexpected expenses or planning a major purchase, our personal loans and debt consolidation services offer a way to manage your financial commitments effectively.

Digital & Online Banking

Convenient Features

Our online banking service lets you handle all your banking needs without stepping foot in a branch. You can sign documents electronically with ease thanks to our electronic signature authorization feature, making transactions faster and more convenient. Plus, if you're someone who likes to keep track of finances on the go, our mobile application is available for download, bringing your bank right into your pocket.

Quick Payments and Transfers

If you love the convenience of mobile payments, you'll be pleased to know that we support this feature as well. It's never been easier to make purchases or send money directly from your phone. Although person-to-person transfers aren't available at this time, our other features ensure you have everything needed for effective money management. With all these options, managing your finances becomes not just a task but an experience tailored to your needs. Whether you're at home or on the go, State Employees' is committed to providing a user-friendly experience that keeps your information safe and secure. Join us today and explore how our digital services can make banking simpler for you!

Stay Organized with E-Statements

Say goodbye to paper clutter! At State Employees', we provide e-statements that allow you to view your account information digitally. This way, you can access your financial statements whenever you need them while also doing your part for the environment.

Financial Strength

Growing Member Base

Total Share Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $574,556,810, reinforcing our commitment to supporting your financial aspirations. 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 210 Racine Dr Wilmington Nc 28403 or call (910) 793-3977 to learn more about how we can help you achieve your financial goals.

Member Savings Security

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 financial strength is also reflected in our operational efficiency with a net income of $0, 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. This ensures that our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

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 capacity to lend is robust; we have $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting your financial goals across various sectors.

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 make the financing process straightforward and accessible, allowing you to focus on choosing the right vehicle for your lifestyle.

Credit Lines

For those needing additional flexibility, our total credit lines amount to $18,909,000,000, providing access to funds when you need them most. These lines of credit can serve as a safety net for emergencies or unexpected costs, giving you peace of mind. If you're considering refinancing any existing loans or exploring eligibility options for our various loan products, our team is here to assist you every step of the way. For more information or to discuss which loan product might be best for you, feel free to reach out at (910) 793-3977, or visit us at our branch located at 210 Racine Dr Wilmington Nc 28403, Wilmington, NC. 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, including Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, make buying or refinancing simple. We provide personalized support throughout the mortgage process, ensuring you understand your options and feel confident in your decisions.

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our 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 designed to benefit you as you spend.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, allowing them to make informed decisions about their borrowing needs. 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!" 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.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced 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 ensures that users receive fair and transparent offers. Each lender's data is carefully vetted to guarantee reliability.

STATE EMPLOYEES' CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans