Type of Loan Offerings
Mortgage Loans
Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
Personal Loans
Vehicle Loans
Introduction
Join Us Today!
We invite you to explore the benefits of membership with State Employees' Credit Union. For more information about what we offer or to speak with one of our friendly representatives, please call us at 336-767-4320. Discover how we can help you achieve your financial goals today! Visit our website at ncsecu.org for further details and resources tailored just for you.
Leadership You Can Trust
Under the leadership of our CEO, Leigh Brady, and Board President Mona Moon, we strive to maintain transparency and foster trust within our community. Their vision drives us to continuously improve our services while remaining accountable to our members. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to 4985 UNIVERSITY PKWY, WINSTON SALEM, NC 27106 if it differs from our physical address.
Our Commitment to You
With total assets exceeding $57 billion and total deposits of $7.9 billion, we are committed to ensuring the financial well-being of our members. Our dedicated team of 8,258 employees is here to guide you through various services, including personal banking, auto loans, mortgages, and business banking options. Whether you're looking for a new vehicle or planning for your future home, we've got you covered.
Branch History & Mission
Community Impact
Our commitment extends far beyond transactions; it's about building relationships and fostering trust within our community. We are proud to support local initiatives and programs that promote education, health, and economic development in Winston-Salem and surrounding areas. While you can visit us at 4985 University Pkwy, official correspondence should be sent to 4985 UNIVERSITY PKWY, WINSTON SALEM, NC 27106 if needed. We are open Monday through Friday from 8:30 AM to 5:30 PM, making it convenient for you to stop by or call us at 336-767-4320 with any questions or assistance you may need. Join us at State Employees' Credit Union and experience how being a member can lead to meaningful financial growth while positively impacting our community together. We invite you to become part of our family today!
Our Mission
At State Employees', our mission is centered around enhancing the financial well-being of our members. We strive to offer a wide range of services including personal banking, auto loans, mortgages, and credit cards with rewards that cater to various needs. But beyond just banking, we aim to uplift our community by participating in outreach efforts and partnerships that bring positive change. We understand that every member has unique goals and dreams. That's why we prioritize personalized service and make it easy for you to manage your finances digitally through online banking and mobile applications. With features like e-statements and mobile payments, we ensure that you can access your accounts anytime, anywhere.
Branch Location & Accessibility
Welcome to the State Employees' branch located at 4985 University Pkwy in Winston Salem, NC! Our convenient location makes it easy for you to access a wide range of financial services right in your neighborhood. Whether you're stopping by for personal banking, loans, or simply need to withdraw cash from our ATM, we're here to help. Our branch is situated near popular local spots, making it a familiar landmark for many residents. You'll find us just a short drive from the bustling University Parkway area, which is known for its shops and dining options. For those who prefer to visit us in person, we offer ample parking and accessible features including ADA-compliant ramps, ensuring everyone can enjoy our services comfortably. At State Employees', we know that your time is valuable. That's why our lobby hours are designed with your convenience in mind. We're open Monday through Friday from 8:30 AM to 5:30 PM, allowing you plenty of opportunities to stop by after work or during your lunch break. Need quick service? Take advantage of our drive-thru banking for deposits and withdrawals without leaving your car. For any inquiries or assistance, feel free to give us a call at 336-767-4320. If you need to send official documents, please note that while you can visit us at the branch address, all mail should be directed to our mailing address at 4985 UNIVERSITY PKWY, WINSTON SALEM, NC 27106. We invite you to come see how we can support your financial goals today!
Member Eligibility
Becoming a member of State Employees' is like joining a close-knit family where your financial well-being is the priority. To qualify, you simply need to be an employee of the state or a member of certain organizations linked to our community. If you're not sure about your eligibility, don't worry! You can find all the specifics on our website at http://www.ncsecu.org/join#eligibility, which breaks down everything you need to know. Once you confirm that you're eligible, opening an account is a breeze! Just visit us in person at our branch located at 4985 University Pkwy Winston Salem Nc 27106, or check out the easy online process through this link: https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu. If you have any questions, feel free to give us a call at (336) 767-4320. We're excited to welcome you into our supportive community!
Business Banking & Commercial Services
Financing 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 loans, we offer robust merchant services that simplify transactions for businesses of all sizes. Imagine processing payments seamlessly while focusing on what you do best running your business. Our tools help streamline operations, allowing you to accept payments quickly and securely. Whether you're located at 4985 University Pkwy Winston Salem Nc 27106 in Winston Salem, NC, or beyond, let State Employees' be your partner in success. Contact us at (336) 767-4320 today to explore how our business banking solutions can elevate your enterprise!
Comprehensive List Of Services
Additional Services
At State Employees', we prioritize accessibility and service quality. Our branch offers basic drive-thru banking for quick deposits and withdrawals along with basic ATM services for balance checks and cash access. We aim to make every interaction smooth and efficient. If you're ready to take control of your financial future or need assistance navigating through options that best suit your needs, don't hesitate to reach out! Visit us at 4985 University Pkwy Winston Salem Nc 27106, call us at (336) 767-4320, or check out more information online at Winston-salem - University Pkwy. Your journey toward financial wellness starts here!
Business Banking Support
For entrepreneurs and business owners in the community, we have dedicated services under our business banking umbrella. From merchant services that facilitate transactions for your customers to business loans that help fuel your growth ambitions, we stand by local businesses like yours.
Convenient Digital Banking
In an age where convenience is key, our digital banking features allow you to manage your finances anytime and anywhere. With online and mobile banking, accessing your accounts is just a click away. Use our app for everything from checking balances to making deposits. Plus, with ATM access for cash withdrawals and the ability to conduct simple transactions at our drive-thru service, managing your money has never been easier.
Credit Cards & Loans
In today's world, having access to credit can be crucial. That's why we offer credit cards with rewards that give back as you spend. Additionally, if you're facing unexpected expenses or want to consolidate debt, our personal loans and debt consolidation services can help ease financial burdens.
Personal Banking Solutions
We understand that managing finances can sometimes feel overwhelming, which is why our personal banking services are tailored to simplify your experience. You can open checking and savings accounts that fit your lifestyle, allowing you to easily manage your money. For those looking to make a big purchase, our auto loans and vehicle financing options provide affordable rates and flexible terms. If homeownership is on your mind, explore our mortgage loans and refinancing solutions, making it easier for you to secure the home of your dreams.
Digital & Online Banking
Accessibility and Security
We prioritize your security while providing accessible banking solutions. Our online banking platform includes robust security measures to protect your information so that you can bank with peace of mind. With real-time account management tools, tracking your spending or reviewing transactions has never been easier. Although person-to-person transfers are not available at this time, we continue to enhance our services based on member feedback. At State Employees', we're committed to ensuring that managing your finances is straightforward and stress-free. Explore all the benefits of digital banking with us today by visiting https://www.ncsecu.org/! Your financial wellness is just a click away.
Key Features
Our online banking service provides everything you need to manage your finances effectively. With features like electronic signature authorization, you can complete transactions securely without the need for paper forms. You can also choose to receive e-statements, which are not only environmentally friendly but also allow for quick and easy access to your account records whenever you need them. If you're always on the go, our mobile application is just what you need. It allows you to check balances, make payments, and transfer funds right from your smartphone. Plus, with our mobile payments feature, paying for purchases becomes effortless simply tap and go!
Financial Strength
Commitment to 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 significant; with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, we support your financial goals across various sectors.
Member Trust
Total Share Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $574,556,810, further highlighting our commitment to your financial well-being. 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 4985 University Pkwy Winston Salem Nc 27106 or call (336) 767-4320 to learn more about how we can help you achieve your financial goals.
Operational Efficiency
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.
Secure Savings Opportunities
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.
Solid 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
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 provide flexible terms and competitive interest rates to ensure that you can find the perfect fit for your budget.
Mortgage Loans
Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, which means you can find an affordable path to owning your own home. Our team is ready to guide you through every step of the process.
Other Financing Options
In addition to auto and mortgage loans, we provide various credit line options totaling $18,909,000,000 to give you additional flexibility when it comes to funding larger projects or managing cash flow issues. Our aim is to empower you with the resources needed for both personal and professional endeavors. For those considering refinancing options or unsure about eligibility requirements for any of our loan products, our friendly staff is here to assist you. You can reach us at 336-767-4320 for more information or visit us at our branch during 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. Let us help you take the next step toward achieving your financial dreams!
Unsecured Credit Card Loans
Managing day-to-day expenses can sometimes be challenging. That's why 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 option allows you to make purchases without tying up your cash flow.
Loan Aggregator
Benefits of Using LendMesh
- Verified Data: With every offer sourced from trusted lenders, transparency is prioritized. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared their experience, stating, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.*
Ensuring Accurate Comparisons
Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that users receive fair and transparent offers. By focusing on verified data, LendMesh guarantees that all loan offers come from legitimate financial institutions.