State Employees' Credit Union Winston Salem NC: Low Mortgage Rates & Quick Personal Loans

Introduction

At State Employees' Credit Union, we believe in the power of community and the importance of building lasting relationships with our members. Located at 1025 S Peace Haven Rd, Winston Salem, NC 27103, our branch has been serving the local community since 1937. Over the years, we've grown into a trusted financial partner for more than 2.8 million members, helping them achieve their financial goals with personalized service and a wide range of banking products. With total assets exceeding $57 billion and total deposits reaching $7.87 billion, we are committed to providing secure and reliable financial services. Our team, led by CEO Leigh Brady and Board President Mona Moon, works diligently to ensure that our members receive the best possible experience. Whether you're looking for auto loans, mortgage financing, or everyday banking services, we're here to support your needs. While you can visit us at our branch location, please note that official correspondence should be sent to 1025 S PEACE HAVEN RD, WINSTON SALEM, NC 27103 if this differs from your visit. Our commitment extends beyond just numbers; we aim to make a positive impact in our community by offering services that empower our members. If you have questions or need assistance, don't hesitate to reach out to us at 336-778-2506. We invite you to explore all that we have to offer at ncsecu.org and discover how we can help you on your financial journey!

Branch History & Mission

Commitment to Innovation

In addition to our traditional services, we embrace digital advancements that enhance your banking experience. With features like electronic signatures and mobile payments, we aim to provide convenience while maintaining ADA compliance for all users.

Join Us Today!

We invite you to become part of the State Employees' family. Experience the benefits of membership that go beyond just banking join us today and see how we can support your financial journey! For more information or to open an account, visit our website at ncsecu.org or give us a call at 336-778-2506. Let's build a brighter future together!

Our Mission

Our mission is simple yet impactful: to provide exceptional financial services while enhancing the quality of life for our members and communities. We believe in the power of community support and actively engage in outreach initiatives aimed at uplifting those around us. Whether it's through educational workshops or community sponsorships, we strive to make a positive difference. We offer a wide range of services including personal banking, auto loans, mortgage options, and business banking solutions. Our user-friendly online and mobile banking platforms make it easier for you to manage your finances anytime and anywhere. As a member-focused organization, we prioritize your needs above all else. Our dedicated team is here to assist you with any inquiries you may have, ensuring that you feel valued as part of our family. While members can visit us at 1025 S Peace Haven Rd, official correspondence should be sent to 1025 S PEACE HAVEN RD, WINSTON SALEM, NC 27103 if necessary.

Branch Location & Accessibility

Welcome to the State Employees' branch, your friendly financial partner located conveniently at 1025 S Peace Haven Rd in Winston Salem, NC. Nestled in Forsyth County, we are easy to reach whether you're coming from downtown Winston Salem or nearby neighborhoods. Just a short drive away from popular landmarks like Tanglewood Park, our branch is here to serve you with open arms. Our location is designed with accessibility in mind. You'll find ample parking available right outside the entrance, along with ADA-compliant features to ensure everyone can easily access our services. If you're on the go, take advantage of our drive-thru banking option for quick and simple transactions without leaving your vehicle. We're open Monday through Friday from 8:30 AM to 5:30 PM, making it easy for you to stop by after work or during your lunch break. Our team is ready to assist you with a range of services from personal banking and auto loans to mortgage options and credit cards with rewards. Plus, enjoy the convenience of our ATM for cash withdrawals and balance checks any time you need it. While members can visit us at 1025 S Peace Haven Rd, official correspondence should be sent to the same address for clarity. If you have any questions or want to learn more about how we can help meet your financial needs, don't hesitate to give us a call at 336-778-2506. We look forward to welcoming you soon!

Member Eligibility

Joining the State Employees' community is like stepping into a circle of support and opportunity. We welcome individuals who live, work, or attend school in North Carolina, as well as their family members. This means that if you're part of our vibrant local community, you can enjoy all the benefits we offer, from personalized service to a range of financial products tailored just for you. Becoming a member opens the door to competitive rates on loans, convenient banking options, and access to resources that help you achieve your financial goals. Getting started is simple! To learn more about what it takes to become a member at State Employees', feel free to check out our detailed eligibility criteria at http://www.ncsecu.org/join#eligibility. When you're ready to take the next step, opening an account is just a click away visit https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu to begin your membership journey today. If you have any questions or need assistance, don't hesitate to call us at (336) 778-2506. We're here to help!

Business Banking & Commercial Services

Lending Solutions for Growth

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 That Make a Difference

In addition to loans, we offer merchant services designed to simplify transactions and boost your bottom line. Imagine easily accepting payments from customers, whether they prefer credit cards or mobile payments. Our tools can streamline your operations, allowing you more time to focus on what matters most growing your business. Located at 1025 S Peace Haven Rd Winston Salem Nc 27103 in Winston Salem, NC, we're here to partner with you on your journey to success. Connect with us at (336) 778-2506 and discover how we can support your business today!

Comprehensive List Of Services

Accessing Our Services

We believe that accessing financial services should be as easy as possible. Our branch hours are from 8:30 AM to 5:30 PM on weekdays, ensuring that you have plenty of time to visit us after work or school. You can also reach us at 336-778-2506 if you have any questions or need assistance. At State Employees', we strive to create a welcoming environment where all members feel valued and supported in achieving their financial goals. Whether you're visiting us in person or using our digital banking options, we're here for you every step of the way. Ready to explore what we can do for you? Visit us online at ncsecu.org or stop by our branch today!

Business Banking

If you're a business owner, our business banking services are designed just for you. From merchant services that simplify payment processing to business loans that can help fund your next big project, we are committed to supporting local businesses in their growth.

Credit Cards

For those looking to earn rewards while they spend, our credit cards with rewards provide an excellent option. You can earn points for travel, cashback, or other exciting perks every time you use your card.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With options like ATM and cash withdrawal services, accessing your funds has never been easier. Plus, our basic drive-thru banking lets you handle deposits, withdrawals, and simple transactions without leaving your vehicle.

Personal Banking

Our personal banking services cater to every member's unique financial situation. We offer various checking and savings accounts that allow you to manage your money effectively. If you're dreaming of owning a home, our mortgage loans and refinancing options can make that dream a reality. You can also take advantage of our personal loans and debt consolidation services to help streamline your finances.

Vehicle Financing

When it comes to purchasing a vehicle, look no further than our auto loans and vehicle financing solutions. We understand how important reliable transportation is, and our competitive rates can help get you on the road without breaking the bank.

Digital & Online Banking

Key Features

Our online banking platform, accessible at https://www.ncsecu.org/, allows you to check your account balances, pay bills, and transfer funds with just a few clicks. You can also sign documents electronically through our electronic signature authorization feature, making it quick and easy to complete transactions without the hassle of paperwork. For those who prefer a paperless approach, we provide e-statements that keep your financial information organized and easily accessible. You can opt for these statements right from your account settings.

Mobile Banking Made Easy

If you're always on the go, our mobile application is perfect for you. Available for download on most smartphones, it offers all the features you need to manage your accounts conveniently. Plus, with our mobile payments feature, you can make purchases directly from your phone no need to carry cash or cards. While person-to-person transfers are not currently offered at State Employees', our robust suite of services covers all other essential banking needs. You can confidently conduct transactions knowing that we prioritize security and user-friendliness. In short, whether you're at home or out and about, State Employees' provides the tools necessary for real-time account management and financial control. Experience the convenience of digital banking today!

Financial Strength

A Solid Foundation

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 9.71% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Member Savings Securement

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 commitment to operational efficiency is reflected in our $2,145,244, 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.

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

Trust from Our Members

Total Share Accounts stand at 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 1025 S Peace Haven Rd Winston Salem Nc 27103 or call (336) 778-2506 to learn more about how we can help you achieve your financial goals.

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 understand that buying a vehicle is a significant investment, and our team is here to assist you through every step of the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We have Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519 available for those ready to take this important step. If you're considering refinancing your current mortgage, we can help explore eligibility options tailored to your situation.

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, our credit cards come with competitive rates and rewards that fit into your everyday spending. For business owners looking for capital to grow and expand operations, our outstanding commercial loans are also available. While we currently do not have any outstanding commercial loans listed for this branch location, we encourage business members to reach out for personalized solutions. If you're interested in any of these loan products or want to learn more about refinancing options and eligibility requirements, please don't hesitate to contact us at 336-778-2506. Our dedicated staff is ready to assist you during our operating hours from 8:30 AM to 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and take the next step towards achieving your financial dreams!

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION - Winston Salem, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in Winston Salem, NC (27103)