Nc State Employee Credit Union

In the heart of Wilmington, the State Employees' Credit Union branch at 5011 Randall Pkwy warmly welcomes you to a community-focused banking experience. Open Monday through Friday from 8:30 AM to 5:30 PM, this convenient location features both drive-thru banking and an onsite ATM, making everyday transactions like cash withdrawals and deposits simple and efficient. Whether you're seeking some of the best auto loans with flexible vehicle financing or exploring competitive mortgage loans and refinancing options, this branch is dedicated to supporting your financial journey with personalized service tailored to your needs.
With nearly 2.85 million members statewide and assets exceeding $57 billion, State Employees’ Credit Union offers a comprehensive range of personal and business banking solutions. From rewarding credit cards and customized checking and savings accounts to business loans, debt consolidation, and secure online and mobile banking platforms, you’ll find the right tools to manage your finances confidently.
Stop by the State Employees' Credit Union branch at 5011 Randall Pkwy in Wilmington or call 910-799-2030 today. Experience local service designed around you—visit us to discover how our signature auto loans and mortgage solutions can help drive 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, your trusted partner in financial growth and community support since 1937. Located at 5011 Randall Pkwy, Wilmington, NC 28403, we are dedicated to serving our members with integrity and commitment. With a thriving membership of over 2.8 million individuals, we take pride in offering personalized banking solutions tailored to meet your unique needs. At State Employees', we understand the importance of financial stability. That's why our total assets stand strong at a remarkable $57,229,286,839, providing you with a solid foundation for all your banking needs. Whether you're looking to secure a loan from our total loans portfolio of 1,194,630 or make deposits into one of our many accounts currently totaling $7,866,265,767 we're here for you every step of the way. Under the leadership of our CEO, Leigh Brady, and Board President Mona Moon, our dedicated team of 8,258 employees is committed to ensuring your experience with us is seamless and rewarding. We offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. While members can visit us at our branch location in Wilmington, official correspondence should be sent to 5011 RANDALL PKWY, WILMINGTON, NC 28403 if you prefer mail. If you have questions or need assistance, feel free to reach out to us at 910-799-2030 during our lobby hours from 8:30 AM to 5:30 PM on weekdays. Join us today and discover how State Employees' Credit Union can help you achieve your financial goals while contributing positively to the community! Visit our website at ncsecu.org for more information or to get started with your membership!

Branch History & Mission

Community Engagement

We understand that being a financial institution goes beyond just numbers; it's about building relationships within the community. That's why we actively seek partnerships with local organizations and engage in outreach efforts aimed at improving the lives of those around us. From sponsoring local events to providing educational workshops, we strive to make a positive impact in Wilmington. Join us at State Employees' and experience firsthand how we blend quality service with community spirit. Your journey towards better financial health starts here! Whether you're looking to open an account or simply want more information about what we offer, don't hesitate to contact us at 910-799-2030 or visit us online at ncsecu.org. We look forward to welcoming you into our family!

Our Mission

Our mission is simple yet powerful: to provide exceptional financial services while supporting the communities we serve. We believe in creating opportunities for everyone, whether through personal banking options like checking and savings accounts, auto loans, mortgages, or credit cards with rewards. We strive to empower our members by offering financial education and resources that pave the way for informed decisions. As part of our commitment to accessibility, we offer advanced digital services including online banking and mobile payments. We also ensure that all members can engage with us comfortably through ADA-compliant facilities. While members can visit us at our physical location on Randall Parkway, official correspondence should be sent to the same address listed as our mailing address.

Branch Location & Accessibility

A Full Range of Services

At the State Employees' branch, we pride ourselves on offering a variety of personal and business banking services. From checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, our online and mobile banking options provide you with even more flexibility in managing your finances.

Easy Access and Features

Parking is readily available for our members, ensuring a hassle-free visit. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps so everyone can enjoy a smooth banking experience. Plus, we offer both drive-thru banking and ATM services, allowing you to manage your finances quickly and conveniently.

Operating Hours

We are open Monday through Friday from 8:30 AM to 5:30 PM, ready to assist you with all your banking needs. If you need help outside of these hours, don't hesitate to give us a call at 910-799-2030; our friendly team is here to help.

Visit Us Today!

While members can visit us at 5011 Randall Pkwy for all their banking needs, official correspondence should be sent to our mailing address at 5011 RANDALL PKWY, WILMINGTON, NC 28403. We invite you to stop by or reach out if you have any questions. Join us today and experience the friendly service that sets us apart!

Member Eligibility

At State Employees', we believe that becoming a member is like joining a caring family that's dedicated to your financial well-being. If you're looking to join us at our Wilmington branch located at 5011 Randall Pkwy Wilmington Nc 28403, you'll be pleased to know that eligibility is open to a wide range of individuals! Whether you're a state employee, a family member of an existing member, or someone who meets specific criteria, we warmly invite you to check out the details. You can find everything you need to know about eligibility on our website at http://www.ncsecu.org/join#eligibility. Once you've confirmed your eligibility, opening an account is straightforward and welcoming! We make the process easy for everyone so you can start enjoying the benefits of membership right away. From competitive loan rates to personalized service, being part of State Employees' means you have a financial partner committed to supporting your goals. If you have any questions or need assistance, feel free to give us a call at (910) 799-2030. We can't wait to welcome you into our community!

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. - 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

In addition to our loan options, we offer comprehensive merchant services that make it easier for you to manage transactions and payments. Imagine having a reliable partner who helps streamline your payment processing, allowing you more time to focus on what you do best running your business. Our merchant services provide secure transactions and the flexibility you need to serve your customers better. Located at 5011 Randall Pkwy Wilmington Nc 28403, Wilmington, NC, our team is here to guide you through every financial decision. Let us be a part of your success story! For more information, give us a call at (910) 799-2030 or visit us online at http://www.ncsecu.org.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? We provide ATM services where you can easily withdraw cash or check balances at any time. For those who prefer face-to-face interactions, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car.

Business Banking Services

If you're a business owner, State Employees' has got you covered too! Our business banking services include merchant services and business loans that can help you grow and manage your enterprise effectively.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking solutions. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, and pay bills from anywhere making banking easier than ever before.

Credit Card Options

Enjoy shopping with peace of mind by choosing one of our credit cards with rewards. Not only do they offer competitive rates, but they also allow you to earn rewards on everyday purchases. It's just another way we aim to enhance your financial experience.

Personal Banking Solutions

We offer various personal banking options tailored to fit your lifestyle. Our checking and savings accounts provide flexible access to your funds while helping you grow your savings. If you're in the market for a new car or need assistance with vehicle financing, our auto loans make it easy to drive off in your dream car without breaking the bank. For those considering homeownership, we have mortgage loans and refinancing options that can simplify the process and make it more affordable. Additionally, if you find yourself in need of extra cash, our personal loans and debt consolidation services can help you regain control of your finances.

Reach Out Today!

At State Employees', we prioritize making banking accessible and straightforward for all our members. If you have any questions about our services or want to learn more about how we can assist you in achieving your financial goals, don't hesitate to reach out! You can give us a call at (910) 799-2030 or visit us in person at 5011 Randall Pkwy Wilmington Nc 28403. We're excited to be part of your financial journey!

Digital & Online Banking

At State Employees', we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances as convenient and secure as possible. Whether you're at home or on the go, accessing your accounts has never been easier. Our online banking platform, available at https://www.ncsecu.org/, allows you to manage your accounts 24/7. You can check balances, pay bills, and transfer funds with just a few clicks. Plus, with our e-statements feature, you can access your statements anytime without the clutter of paper. Security is our top priority; we ensure that all transactions are protected so you can bank with confidence. For those who prefer using their smartphones, our mobile application is here to help. It not only offers the same functionalities as online banking but also supports mobile payments, making it simple to pay for purchases directly from your device. Imagine the convenience of leaving your wallet behind while still being able to pay for what you need! We also offer electronic signature authorization, allowing you to sign documents securely online without needing to visit a branch. This feature saves you time and streamlines the process for various banking needs. While person-to-person transfers aren't currently available, our suite of services is robust enough to cover most financial transactions efficiently. If you ever have questions or need assistance, our friendly team is just a phone call away at (910) 799-2030. Experience the ease of managing your finances with State Employees''s digital and online banking services today!

Financial Strength

Commitment to Growth

Our commitment to growth is evident in our $133,577,509 in undivided earnings. This allows us to reinvest in 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 your financial goals across various sectors.

Member Trust

Total Share Accounts: 5,850,875 show a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $574,556,810, further strengthening our ability to meet your needs. 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 5011 Randall Pkwy Wilmington Nc 28403 or call (910) 799-2030 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.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables 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 dedicated to providing exceptional service.

Securing Your Savings

Your savings are safe with us. We have $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.

Strong 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

Additional Options

Our commitment goes beyond just these offerings. If you're considering refinancing any of your existing loans or exploring eligibility options, our team is here to assist you every step of the way. We believe that everyone deserves access to affordable financing solutions. For inquiries regarding any of our loan products or to discuss how we can support your financial journey, please contact us at (910) 799-2030 or visit us at our branch located at 5011 Randall Pkwy Wilmington Nc 28403, Wilmington, NC. Your path to financial empowerment starts here!

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 interested in financing a brand-new vehicle or a reliable used one, we have options tailored just for you.

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 various terms and conditions to fit your budget and lifestyle, ensuring you can move into your dream home without unnecessary stress.

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. This product is great for those looking to consolidate debt or cover unexpected costs without tying up their assets.

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