Nc State Employee Credit Union

In the heart of Wilmington, the State Employees' Credit Union branch at 8075 Market St warmly welcomes you to a community-focused banking experience. Open weekdays from 8:30 AM to 5:30 PM, this convenient location offers an onsite ATM for easy cash withdrawals and balance checks, ensuring your everyday transactions are simple and hassle-free. Whether you’re looking to finance your next vehicle with some of the best auto loans available or seeking competitive mortgage loans and refinancing options, this branch is dedicated to helping you achieve your financial goals with expert, personalized service.
With nearly 2.85 million members and assets exceeding $57 billion, State Employees’ Credit Union provides a full spectrum of personal and business banking solutions. From rewarding credit cards and tailored checking and savings accounts to business loans and debt consolidation options, you’ll find financial tools designed around your lifestyle. Plus, secure online and mobile banking keeps you connected anytime, anywhere.
Visit the State Employees' Credit Union branch at 8075 Market St in Wilmington or call 910-681-0299 today to experience friendly local service. Contact us for personalized guidance and discover how our signature auto loans and mortgage solutions can drive your financial future forward!

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 financial partner located at 8075 Market St, Wilmington, NC 28411. Established in 1937, we have proudly served our community for over eight decades, growing alongside our members and adapting to their needs. With a robust membership of 2,847,943 and total assets exceeding $57 billion, we are dedicated to providing exceptional banking services tailored to you. At State Employees', we believe that strong financial support leads to strong communities. That's why we offer a variety of services, including personal banking, auto loans, mortgages, and business banking solutions designed to help you thrive. Our total deposits stand at an impressive $7,866,265,767, reflecting the trust our members place in us. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be directed to our mailing address: 8075 MARKET ST, WILMINGTON, NC 28411. Our leadership team, guided by CEO Leigh Brady and Board President Mona Moon, is committed to maintaining the highest standards of service. With a dedicated workforce of 8,258 employees, we ensure that every member receives personalized assistance tailored to their unique financial goals. We invite you to explore our range of products and services on our website at ncsecu.org. Whether you're looking to open an account or apply for a loan, we're here to support you every step of the way. Don't hesitate to reach out at (910) 681-0299 if you have any questions or need assistance. Join us today and experience the difference with State Employees' Credit Union!

Branch History & Mission

At State Employees' Credit Union, we take pride in our rich legacy of service and community support. Established in 1937, our Wilmington branch has grown alongside the members we serve, evolving to meet their needs with dedication and care. Located at 8075 Market St, Wilmington, NC 28411, our branch stands as a beacon of financial stability and community engagement. Over the years, we have expanded our services to cater to a diverse membership base of over 2.8 million individuals. Today, we hold total assets of approximately $57 billion, a testament to our members' trust and loyalty. Our mission is simple yet profound: to provide exceptional financial services while fostering a supportive environment for all members. We are committed to helping you achieve your financial goals through personal banking solutions, auto loans, mortgages, and more. While members can visit us at our main location on Market Street, official correspondence can be sent to our mailing address at 8075 MARKET ST, WILMINGTON, NC 28411. Our operating hours are from 8:30 AM to 5:30 PM, Monday through Friday, ensuring that we are here when you need us. We understand that convenience matters in today's fast-paced world. That's why we offer ATM availability right at our branch for quick cash withdrawals and balance checks. Although we do not have drive-thru services or shared service centers at this location, our commitment to accessibility includes online and mobile banking options that allow you to manage your finances anytime and anywhere. Our mission extends beyond just banking; it's about making a positive impact in the Wilmington community. We actively engage in partnerships and outreach programs that support local initiatives and foster growth within our neighborhoods. Join us at State Employees' Credit Union and experience a financial partner that truly cares about your success. We invite you to become part of our family today! For inquiries or assistance, feel free to reach out at 910-681-0299 or visit us online at ncsecu.org.

Branch Location & Accessibility

Welcome to the State Employees' credit union branch located at 8075 Market St in beautiful Wilmington, North Carolina! We're conveniently situated near popular landmarks, making it easy for you to drop by and take care of your banking needs. Whether you're heading to a nearby shop or just passing through the area, we invite you to stop in and see how we can assist you. At our Wilmington branch, we understand that accessibility is important. Our location features ADA-compliant entrances and ramps, ensuring that all members can easily access our services. Plus, there's ample parking available, so you can visit us without any hassle. We're open Monday through Friday from 8:30 AM to 5:30 PM, giving you plenty of time during the week to stop by when it's convenient for you. If you prefer to reach out before your visit, feel free to give us a call at 910-681-0299. Our friendly team is always ready to help answer your questions or guide you in finding the right financial products for your needs. For those on the go, we offer ATM services right here at our branch, making cash withdrawals and balance checks quick and easy. Although we do not have drive-thru banking at this location, our commitment to providing great service inside means you'll never feel rushed when you come in. While members can visit us at 8075 Market St for all their banking needs, official correspondence should be sent to our mailing address at the same location: 8075 MARKET ST, WILMINGTON, NC 28411. We look forward to welcoming you soon! Come see why so many in New Hanover County trust State Employees' credit union for their financial needs!

Member Eligibility

At State Employees', we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you're looking to be part of a supportive community, you're in the right place! To be eligible for membership, you simply need to be an employee of the state of North Carolina or a member of certain affiliated groups. This means that if you're working in public service, education, or any related fields, you likely qualify! It's all about making sure that we welcome those who are dedicated to serving our great state. For a complete rundown of the specific criteria, feel free to visit our detailed eligibility page at http://www.ncsecu.org/join#eligibility. Joining is easy and straightforward. Once you confirm your eligibility, opening an account at State Employees' can be done quickly online or in-person at our branch located at 8075 Market St Wilmington Nc 28411. We offer various accounts designed to fit your needs, along with fantastic benefits like competitive rates and personalized service. If you have any questions or need assistance along the way, don't hesitate to give us a call at (910) 681-0299. We're here to help you take this exciting step towards financial empowerment!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to our loan offerings, we provide essential merchant services designed to simplify daily operations. Imagine seamlessly accepting payments from your customers, whether they prefer credit cards, mobile payments, or online transactions. Our services ensure that you can focus on what matters most growing your business. Located at 8075 Market St Wilmington Nc 28411, Wilmington, NC 28,411, we are here to partner with you on your journey to success. Contact us at (910) 681-0299 to learn more about how we can support your business goals!

Tailored 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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM & Cash Withdrawal Services ensure that access to your money is never out of reach. With basic ATM access available for withdrawals and balance checks, managing your finances has never been easier. At State Employees', we take pride in offering comprehensive financial solutions that cater to every aspect of your life from personal banking needs to business endeavors. If you'd like more information about any of our services or if you're ready to start banking with us today, don't hesitate to reach out! Call us at (910) 681-0299 or visit us online at Wilmington - Market St. Your financial journey starts here!

Auto Loans & Vehicle Financing

Are you considering purchasing a new car? Our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. Imagine driving off in that dream vehicle while enjoying manageable monthly payments. We make the process straightforward, ensuring you get the best deal possible without any hidden surprises.

Business Banking

For small business owners, our Business Banking solutions include merchant services and business loans tailored specifically for entrepreneurs like you. Whether you're starting a new venture or expanding an existing one, we're here to support your business needs.

Credit Cards with Rewards

If you're looking for a way to earn while you spend, consider our Credit Cards with Rewards program. Use your card for everyday purchases and watch the rewards add up perfect for anyone who enjoys travel perks or cashback options.

Mortgage Loans & Refinancing

Homeownership is a big step, and at State Employees', we simplify it with our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our team is here to guide you through every step of the process.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts from anywhere at any time. Check balances, transfer funds, and even pay bills all from the palm of your hand!

Personal Banking

We understand that managing your finances can be overwhelming at times. That's why we offer Personal Banking options, including checking and savings accounts that fit your lifestyle. Whether you're saving for a vacation or just trying to keep track of your daily expenses, our accounts are tailored to help you achieve your financial goals.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. With our Personal Loans & Debt Consolidation services, you can handle those surprises effectively. Picture consolidating multiple debts into one manageable payment, freeing up cash flow for other important areas of your life.

Digital & Online Banking

At State Employees', we understand that managing your finances should be simple and secure, no matter where you are. That's why we offer a range of digital and online banking services designed to give you peace of mind and maximum convenience. With our robust online banking platform available at https://www.ncsecu.org/, you can take control of your accounts anytime, anywhere. Whether you need to check your balance, pay bills, or transfer funds, our 24/7 online banking services make it easy to stay on top of your finances. Plus, with electronic signature authorization, signing important documents has never been easier no more printing or mailing. For those who prefer a more mobile experience, our user-friendly mobile application is available for download. This app offers the same functionality as our website, allowing you to manage your accounts right from your smartphone. Want to make purchases without cash? Our mobile payments feature lets you pay quickly and securely using just your phone. We also provide e-statements for your convenience, so you can access your account statements anytime without the clutter of paper. Keeping track of your financial health has never been simpler! If you ever need to send money to friends or family, you'll appreciate our person-to-person transfer option (though this feature is not currently available). However, with our other services at hand, you'll find everything else is streamlined and efficient. At State Employees', we prioritize security alongside convenience. We utilize the latest technology to protect your information while providing an easy-to-use platform that enhances real-time account management. Join us today and discover how digital banking can transform the way you manage your finances!

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts: 5,850,875, show a strong and growing member base that trusts us with their finances. This trust is crucial as it enables us to continue expanding our offerings while maintaining low costs for all members. 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 8075 Market St Wilmington Nc 28411 or call (910) 681-0299 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

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 in Your Future

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 members' financial goals across various sectors with $193,516 in used auto loans and $34,904,944,116 in total loans and leases.

Solid 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.

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. Whether you're interested in financing a new vehicle or a reliable used one, we have options that can fit your budget and lifestyle.

Credit Lines and Refinancing Options

Our total credit lines amount to $18,909,000,000, offering additional financial flexibility when needed. If you're considering refinancing existing loans or exploring eligibility options for any of our products, we're here to assist you every step of the way. At State Employees', we're committed to providing transparent and straightforward loan solutions that cater to your individual needs. For more information about our loan offerings or to discuss your specific situation, don't hesitate to reach out at (910) 681-0299. 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 look forward to helping you navigate your financial journey!

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 guidance throughout the process to ensure you understand your choices and feel confident in your decisions.

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. Whether it's for everyday purchases or unexpected expenses, our credit cards come with features designed to help you stay in control.

Loan Aggregator

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