Nc State Employee Credit Union

In the vibrant Winston Salem community, the State Employees' Credit Union branch at 134 S Stratford Rd is your trusted local partner for comprehensive financial solutions. Open weekdays from 8:30 AM to 5:30 PM, this welcoming branch offers convenient drive-thru banking and an onsite ATM, making everyday transactions like cash withdrawals and deposits quick and hassle-free. Whether you're ready to take advantage of some of the best auto loans with flexible vehicle financing or exploring low mortgage rates and refinancing options, this location is dedicated to helping you reach your financial goals with personalized service.
Serving nearly 2.85 million members statewide and managing assets exceeding $57 billion, State Employees’ Credit Union provides a full spectrum of personal and business banking services tailored to your needs. From rewarding credit cards with valuable perks and customized checking and savings accounts to business loans, merchant services, and debt consolidation solutions—you’ll find financial tools designed around your lifestyle. Plus, secure online and mobile banking platforms keep you connected anytime, anywhere.
Stop by the State Employees' Credit Union branch at 134 S Stratford Rd in Winston Salem or call 336-722-9292 today. Experience community-focused service—visit us to discover how our signature auto loans and mortgage solutions can help 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 134 S Stratford Rd, Winston Salem, NC 27104. Since our establishment in 1937, we have been dedicated to serving our community and fostering strong relationships with our members. With a robust membership of over 2.8 million, we pride ourselves on being more than just a financial institution; we are a community hub that values trust, reliability, and support. At State Employees', we understand the importance of financial security. With total assets exceeding $57 billion and deposits totaling $7.87 billion, you can rest assured that your money is safe with us. Our commitment goes beyond mere numbers; we strive to offer personalized services tailored to meet your unique needs. Whether you're looking for an auto loan, mortgage, or simply want to open a checking account, our dedicated team is here to assist you every step of the way. Our leadership, led by CEO Leigh Brady and Board President Mona Moon, is focused on ensuring our members receive the best possible experience. With over 8,250 employees, we're ready to help you navigate your financial journey with ease. While members can visit us at our branch location, official correspondence should be sent to the same address: 134 S STRATFORD RD, WINSTON SALEM, NC 27104. We invite you to explore our wide array of services including personal banking, loans, and online banking options designed for your convenience. For any questions or assistance, don't hesitate to reach out at 336-722-9292. Discover how State Employees' can help you achieve your financial goals today! Visit us online at ncsecu.org for more information.

Branch History & Mission

Welcome to State Employees' Credit Union, a cornerstone of community support and financial empowerment in Winston Salem, NC. Since our doors opened in 1937, we have proudly served our members and grown into a trusted financial partner for over 2.8 million members across the state. Located at 134 S Stratford Rd, our branch is easily accessible and surrounded by key local landmarks, making it convenient for our members to visit us. We understand that every member has unique needs, and we are committed to providing personalized services that help you achieve your financial goals. Our mission is straightforward: to provide high-quality financial services while nurturing strong community ties. We believe that when our members thrive, so does the entire community. This belief drives us to offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Our online and mobile banking services ensure you can manage your finances anytime, anywhere. Over the years, we've made significant strides in enhancing our services. We are proud to offer features such as ATM availability and drive-thru banking for added convenience. Our team is dedicated to ensuring that all facilities are ADA compliant, promoting accessibility for everyone in our community. While members can visit us at 134 S Stratford Rd for all their banking needs, official correspondence should be sent to our mailing address: 134 S STRATFORD RD, WINSTON SALEM, NC 27104. At State Employees', we also understand the importance of giving back. Our partnerships with local organizations and involvement in community outreach programs reflect our commitment to making a positive impact beyond just financial transactions. With total assets of approximately $57.2 billion and an unwavering focus on member service, we invite you to join our growing family. Experience firsthand how State Employees' Credit Union can support you in achieving your dreams while contributing to the well-being of our vibrant community. For more information or to become a member today, call us at 336-722-9292 or visit our website. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Services

At State Employees', we prioritize your convenience. We offer drive-thru banking services for those who prefer a quick stop without leaving their vehicle. Need cash? Our ATM is readily available for withdrawals and balance checks, ensuring you have access to your funds whenever you need them. Accessibility is key for us. Our branch complies with ADA standards, featuring ramps and spacious layouts so everyone can comfortably navigate our space. Plus, we have ample parking available to make your visit as hassle-free as possible.

Get in Touch!

Feel free to reach out with any questions or concerns by calling us at 336-722-9292. Whether you're an existing member or looking to join our family, we invite you to visit us at State Employees' Credit Union. We look forward to helping you achieve your financial goals!

Operating Hours

We're here for you Monday through Friday from 8:30 AM to 5:30 PM. Whether you're stopping by before work or during lunch, our friendly staff is ready to assist you with personal banking services such as checking and savings accounts, auto loans, mortgage options, and more! If you prefer handling things from home, don't forget that we also provide online and mobile banking solutions that allow you to manage your finances at your fingertips.

Member Eligibility

At State Employees', we believe that everyone deserves a place in our welcoming community. Becoming a member is simple and rewarding! If you live, work, or worship in the area, you're likely eligible to join us. We serve a variety of individuals, including state employees and their families, which means there's a good chance you can become part of our family here at 134 S Stratford Rd Winston Salem Nc 27104. Joining us opens the door to a range of financial services tailored just for you, from personal loans and mortgages to credit cards with great rewards. To get started, all you need to do is check out our eligibility criteria at http://www.ncsecu.org/join#eligibility and see how easy it is to qualify. Once you're ready, opening an account is just a click away through this link: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions or need assistance, don't hesitate to give us a call at (336) 722-9292. We're here to help you every step of the way as you take this exciting step towards better financial health!

Business Banking & Commercial Services

Business 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

Imagine having a smooth way to handle payments from your customers. Our merchant services make transactions easy, allowing you to focus on what matters most growing your business. Whether it's credit card processing or mobile payment solutions, we provide tools that help streamline your operations and enhance customer satisfaction. Located at 134 S Stratford Rd Winston Salem Nc 27104 in Winston Salem, NC, we're here to partner with you in your journey. Let's work together to unlock the full potential of your business! For more information, give us a call at (336) 722-9292 or visit us online at https://www.ncsecu.org/.

Comprehensive List Of Services

Business Banking Services

For our entrepreneurial members, we offer comprehensive Business Banking solutions including Merchant Services & Business Loans. Whether you're just starting out or looking to expand, we have financial products that can support your growth and success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why State Employees' offers robust Online & Mobile Banking services. With these features, managing your accounts is simple and accessible from anywhere. You can check balances, transfer money, and even pay bills all from the comfort of your home or on-the-go. We also provide essential services like ATM & Cash Withdrawal Services, ensuring you have quick access to cash whenever needed. If you prefer face-to-face interactions for simpler transactions like deposits and withdrawals, our Basic Drive-Thru Banking service is available to make banking easy and efficient.

Personal Banking Solutions

Starting with personal banking, we offer a variety of Checking & Savings Accounts tailored to fit your lifestyle. Imagine having easy access to your funds while earning interest on your savings this is what we aim for! Our accounts come with no hidden fees, so you can manage your finances without stress. For those looking to make significant purchases, such as a new car or home, our Auto Loans & Vehicle Financing options ensure that you can drive away in style without breaking the bank. We also provide competitive rates for Mortgage Loans & Refinancing, making it easier for you to own the home you've always wanted. If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation services can help ease the burden. These loans are designed to provide quick access to cash when you need it most. Additionally, our Credit Cards with Rewards allow you to earn points on everyday purchases, giving back just for using your card.

Your Financial Partner

At State Employees', we pride ourselves on being more than just a financial institution; we're your partners in achieving financial wellness. We invite you to explore all the services we offer by visiting us at Winston-salem - Stratford Rd or calling us at (336) 722-9292. Let's work together toward a brighter financial future!

Digital & Online Banking

Always Accessible

Our 24/7 online banking services mean that you can manage your money when it suits you best. No more rushing to the bank before closing time; instead, handle everything from the comfort of your home or while waiting in line. You'll have real-time access to your account information whenever you need it. At State Employees', we believe in making banking not just simple but also secure and accessible. Discover how our digital banking options can enhance your financial journey today!

Key Features

With our user-friendly online banking available at https://www.ncsecu.org/, you can check balances, transfer funds, and pay bills anytime, anywhere. We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and reliable. Plus, you can opt for e-statements to keep track of your finances without the clutter of paper documents making it easier for you to stay organized. If you're always on the move, our mobile application is here to help. Enjoy mobile payments so you can make purchases directly from your smartphone. While person-to-person transfers aren't currently offered, our other features ensure smooth transactions for all your banking needs.

Financial Strength

At State Employees', financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength reflects our commitment to you, ensuring that your hard-earned money is in safe hands. 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. This solid foundation gives you the confidence that we are here for the long haul. 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. This means you can rely on us to support your financial goals today and into the future. 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. These options allow you to grow your savings while enjoying peace of mind knowing they are protected. 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. 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. This means we continually look for ways to improve your experience with us. Our commitment to lending is evident with $193,516 in used auto loans and $34,904,944,116 in total loans and leases. This robust lending capacity supports members' financial goals across various sectors, whether you're looking to buy a new car or invest in other opportunities. Our operational efficiency is reflected in our $0, 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 dedicated to your needs. Net Shares (Funds available for lending and investments): $574,556,810. Total Share Accounts: 5,850,875, showing a strong and growing member base that trusts us with their finances. 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 134 S Stratford Rd Winston Salem Nc 27104 or call (336) 722-9292 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.

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 eyeing a brand-new model or a reliable pre-owned option, our financing solutions can help you drive off with confidence.

Credit Lines and Refinancing Options

In addition to our standard loan offerings, we provide access to total credit lines amounting to $18,909,000,000. If you're considering refinancing an existing loan, we have options that could lower your monthly payments or help you access cash for other needs. Be sure to ask our team about eligibility requirements and how refinancing might benefit you. At State Employees', our goal is to support you every step of the way with personalized service and expert guidance. Reach out today at (336) 722-9292 or visit us at 134 S Stratford Rd Winston Salem Nc 27104 in Winston Salem, NC. Let's take that next step together! 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 flexible terms and competitive interest rates to help make your dream of owning a home a reality.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes require extra support. 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 come with features that empower you to handle unexpected costs while building your credit score.

Loan Aggregator

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