Nc State Employee Credit Union

In the heart of Winston-Salem, the State Employees' Credit Union branch at 2250 Silas Creek Pkwy is your trusted local partner for comprehensive financial solutions. Open weekdays from 8:30 AM to 5:30 PM, this friendly branch offers convenient drive-thru banking and an onsite ATM, making everyday transactions like cash withdrawals and deposits quick and effortless. Whether you're looking to take advantage of some of the best auto loans with flexible vehicle financing or exploring low mortgage rates and refinancing options, this location provides expert guidance designed to help you achieve your financial goals.
Serving nearly 2.85 million members statewide with assets topping $57 billion, State Employees’ Credit Union delivers a full range of personal and business banking services. From rewarding credit cards and tailored checking and savings accounts to business loans, merchant services, and debt consolidation options, you’ll find financial tools that fit your lifestyle. Plus, secure online and mobile banking platforms keep you connected anytime, anywhere.
Visit the State Employees' Credit Union branch at 2250 Silas Creek Pkwy in Winston-Salem or call 336-773-0016 today. Experience community-focused 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 2250 Silas Creek Pkwy, Winston Salem, NC 27103. Since our establishment in 1937, we have proudly served over 2.8 million members, providing them with a range of financial services tailored to meet their unique needs. At State Employees', we believe that strong community ties and member satisfaction are at the heart of everything we do. With total assets exceeding $57 billion and robust deposits amounting to $7.87 billion, we are committed to ensuring your financial well-being. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, is here to support you every step of the way. While members can visit us at our branch, official correspondence should be sent to our mailing address at 2250 SILAS CREEK PKWY, WINSTON SALEM, NC 27103. Whether you're looking for a new auto loan, savings account, or just need financial advice, we offer a variety of services including personal banking, mortgages, and business banking solutions. With a solid net worth of $5.45 billion and cash reserves of $708 million, you can trust that your money is safe with us. Our commitment extends beyond just numbers; we strive to make a positive impact on our community while helping you achieve your financial goals. Feel free to reach out to us at 336-773-0016 or visit our website at ncsecu.org for more information on how we can help you thrive financially. Let's build a brighter future together!

Branch History & Mission

Welcome to the heart of our community at State Employees', located at 2250 Silas Creek Pkwy, Winston Salem, NC 27103. Since we opened our doors in 1937, we have been committed to serving our members and supporting the vibrant community of Winston Salem. Over the decades, we've seen tremendous growth, now proudly boasting a membership of over 2.8 million individuals who trust us with their financial needs. At State Employees', our mission is clear: to provide exceptional financial services while fostering community engagement and support. We believe that when our members thrive, so does our community. This ethos drives everything we do, from offering competitive rates on loans and savings accounts to providing personalized assistance that meets the unique needs of each member. Our branch has not only adapted to the changing times but has also embraced technology to enhance member experience. With features like online banking, mobile payments, and ATMs available for easy access, we ensure that our members can manage their finances conveniently. Our drive-thru banking service further adds to this convenience, making simple transactions quick and hassle-free. We take pride in being part of a larger network committed to supporting local initiatives and partnerships. Through various outreach programs and community events, we work tirelessly to give back and uplift those around us. Our efforts are supported by a dedicated team who are not just employees but passionate advocates for our members' financial well-being. While you can visit us at our branch location on Silas Creek Parkway, official correspondence should be sent to 2250 SILAS CREEK PKWY, WINSTON SALEM, NC 27103 if it differs from your visit here. As we continue on this journey together, we invite you to join our growing family at State Employees'. Experience firsthand how we prioritize your financial goals while making a positive impact in Winston Salem and beyond. For inquiries or to learn more about becoming a member, please call us at 336-773-0016 or explore our services online at ncsecu.org. Join us today and be a part of something bigger!

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Located near popular spots such as Hanes Mall and the beautiful Tanglewood Park, our branch is situated in a lively area that's easy to reach. With ample parking available right at our doorstep, you can park with ease and step inside without any hassle. We take pride in ensuring our facility is accessible to everyone. Our building complies with ADA standards, featuring ramps and clear pathways for those who need them.

Operating Hours and Services Offered

We're open from 8:30 AM to 5:30 PM on weekdays, giving you plenty of time to visit us during the day. At State Employees', we offer a variety of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! Plus, our drive-thru service makes it even more convenient for quick deposits or withdrawals without leaving your car. If you prefer using ATMs, you're in luck! Our branch offers ATM access so you can manage your cash anytime. Should you have any questions or need assistance, feel free to give us a call at 336-773-0016. While members can visit us at 2250 Silas Creek Pkwy, official correspondence should be sent to 2250 SILAS CREEK PKWY, WINSTON SALEM, NC 27103. We invite you to stop by and see how we can help you achieve your financial goals!

Member Eligibility

Becoming a member of State Employees' feels like joining a close-knit family where everyone supports each other. If you're looking to be part of our community, you'll be happy to know that eligibility is quite simple. We welcome individuals who are state employees or their family members, as well as those who live or work in specific areas within North Carolina. This means if you're part of these groups, you can enjoy all the benefits we offer, from competitive loans to personalized service. To learn more about specific eligibility criteria, check out this detailed resource: http://www.ncsecu.org/join#eligibility. Joining us is easy! You can start the account opening process right away by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions along the way, don't hesitate to reach out at (336) 773-0016. Our friendly team is here to help you every step of the way, making sure your journey into membership is smooth and welcoming. We look forward to having you as part of our community at State Employees', located at 2250 Silas Creek Pkwy Winston Salem Nc 27103!

Business Banking & Commercial Services

Loan Options That Empower 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. 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 Tailored for You

In today's fast-paced market, effective payment solutions are crucial for success. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. Imagine being able to accept payments seamlessly from customers, enhancing their experience while streamlining your operations. At State Employees', we make it easy for you to manage your cash flow and increase customer satisfaction. Visit us at 2250 Silas Creek Pkwy Winston Salem Nc 27103 in Winston Salem, NC, or call us at (336) 773-0016 to learn more about how our business banking and commercial services can support your growth journey!

Comprehensive List Of Services

Business Banking Services

If you own a business or are starting one, our business banking services include merchant services and business loans. We understand the unique challenges businesses face, and we're here to support your growth with tailored financial solutions.

Connect with Us

We invite you to explore all the ways State Employees' can assist you on your financial journey. For more information or to get started with any of our services, please call us at 336-773-0016 or visit us online at ncsecu.org. Your financial success is our priority!

Credit Options

In addition to traditional banking services, we provide personal loans for debt consolidation and emergencies. Our credit cards come with rewards programs, allowing you to earn while you spend think about how rewarding it could be to use your card for everyday purchases while earning points toward exciting rewards!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why State Employees' offers robust online and mobile banking features. Access your accounts anytime from anywhere through our user-friendly app or website. With ATM services available for easy cash withdrawals and balance checks, managing your finances has never been easier. You can also take advantage of our drive-thru banking services for quick deposits, withdrawals, and simple transactions without leaving your car. Our lobby hours run from 8:30 AM to 5:30 PM on weekdays, making it convenient to stop by when it fits into your schedule.

Personal Banking Solutions

Our personal banking services include various checking and savings accounts that cater to different lifestyles and goals. Imagine having a straightforward savings account that helps you set aside money for that family vacation or a checking account that makes managing daily expenses simple and efficient. For those considering purchasing a vehicle, our auto loans and vehicle financing options can help you hit the road without breaking the bank. You'll find competitive rates and flexible terms designed to fit your budget. If homeownership is your goal, we offer mortgage loans and refinancing options that make buying or upgrading your home achievable.

Digital & Online Banking

Key Features

With our online banking, you can enjoy the convenience of checking your balance, transferring funds, and paying bills all from the comfort of your home or on the go. Whether you're using a computer or our mobile application, managing your account has never been simpler. We also provide electronic signature authorization, making it easier than ever to handle important documents securely. For those who prefer going paperless, e-statements are available so you can view your account statements anytime without clutter. Plus, with mobile payments enabled, you can make purchases directly from your smartphone no need to carry cash or cards!

Security and Accessibility

Your security is our top priority. Our online banking services come equipped with advanced security measures to protect your personal information. You can rest easy knowing that your transactions are safe and sound. Moreover, if you're looking to send money quickly to friends or family, our person-to-person transfer feature makes it easy though please note this option is currently not available at State Employees'. But don't worry; we have plenty of other features that will meet your needs! With all these tools at your fingertips, managing your finances has never been more accessible. Join us at State Employees' and experience how easy digital banking can be!

Financial Strength

Growing Membership Trust

The trust placed in us is evident through our total share accounts which number 5,850,875. This growing member base reflects our dedication to serving your financial needs effectively. 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 2250 Silas Creek Pkwy Winston Salem Nc 27103 or call (336) 773-0016 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.

Lending Capacity

Our commitment to supporting your financial goals is reflected in our lending capacity. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we provide diverse borrowing options tailored to your needs.

Member-Focused Savings Options

Your savings are secure with us. Members benefit from $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 operations remain efficient as seen through our $0 which helps us maintain 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 team.

Reinvesting for Your Future

We believe in reinvesting for the future of our members. With $133,577,509 in undivided earnings, we can enhance our services by introducing innovative banking tools and stronger lending options. This ensures you have access to the best possible financial products.

Strong Financial 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 $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 Offerings

For those interested in business financing, our commercial loans provide vital capital to grow and expand. We encourage business owners to explore these options to better support their ventures. If you're considering refinancing options or want to check your eligibility for any of our loan products, please don't hesitate to reach out. You can contact us at 336-773-0016 for personalized assistance and guidance tailored to your specific needs. 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're here to help you navigate your financial journey with confidence!

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 looking for a brand-new model or a reliable used vehicle, we have financing options that can make your purchase easier.

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 understand that purchasing a home is a significant decision and are here to support you through every step of the process.

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. These cards can provide you with the purchasing power you need for unexpected expenses or everyday purchases without tying up your savings.

Loan Aggregator

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Users can trust that the information presented is not only accurate but also relevant to their financial situation. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This approach allows users to make informed decisions without being influenced by marketing tactics. Real-Time Rate Comparisons: The platform features up-to-date loan rates from multiple institutions, empowering users to find the best options available at any given moment. This real-time data is crucial for making timely financial decisions. 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!" Such testimonials highlight the effectiveness and user satisfaction associated with using this tool. To explore your options further and make an informed decision, 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.*

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.