Nc State Employee Credit Union

Situated in the vibrant Winston Salem community, the State Employees' Credit Union branch at 2924 Waughtown St offers a welcoming, member-focused banking experience designed to simplify your financial life. Open Monday through Friday from 8:30 AM to 5:30 PM, this location features both drive-thru banking and an onsite ATM, making everyday transactions like cash withdrawals and deposits quick and convenient. Whether you’re ready to explore some of the best auto loans with flexible vehicle financing or looking for competitive mortgage loans and refinancing options, this branch is committed to helping you achieve 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 solutions tailored to your needs. From rewarding credit cards and customized checking and savings accounts to business loans, debt consolidation, and secure online and mobile banking platforms—you’ll find the right financial tools to manage your money confidently.
Visit the State Employees' Credit Union branch at 2924 Waughtown St in Winston Salem or call 336-722-2543 today. Experience local service designed around you—contact us for personalized guidance and discover how our signature auto loans and mortgage solutions can accelerate your financial future!

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' in Winston Salem, where your financial wellbeing is our top priority! Located at 2924 Waughtown St, our branch has been serving the community since 1937, proudly establishing a legacy of trust and support for over 85 years. With a strong commitment to our members, we have grown to serve 2,847,943 members, making us a vital part of the community. At State Employees', we understand that each member has unique financial needs. Our total assets amount to an impressive $57,229,286,839, showcasing our stability and ability to provide you with robust financial solutions. We currently hold total deposits of $7,866,265,767 and offer a variety of services including personal banking, auto loans, mortgage options, and business banking solutions. Under the leadership of our dedicated CEO Leigh Brady and Board President Mona Moon, our team of 8,258 employees is here to assist you every step of the way. We ensure that you have access to modern conveniences like online banking and mobile payments while maintaining personalized service through our drive-thru and ATM facilities. While members can visit us at 2924 Waughtown St, official correspondence should be sent to the same address. Whether you're looking to open an account or explore loan options our friendly staff is just a phone call away at 336-722-2543. Join us today at State Employees', where your financial journey begins with confidence! For more information about our services or to become a member, visit our website at ncsecu.org. Let's work together towards achieving your financial goals!

Branch History & Mission

Community Commitment

State Employees' takes pride in being more than just a financial institution; we are an integral part of the Winston-Salem community. Through partnerships with local organizations and charitable events, we aim to give back and strengthen the fabric of our society. As part of our member-focused approach, we offer convenient amenities like drive-thru banking and ATM access for those on the go. Whether you're looking for personal loans, auto financing, or business banking services, our knowledgeable staff is here to help you navigate your options.

Join Us Today!

We invite you to experience firsthand what makes State Employees' special. With a welcoming environment and a commitment to helping you achieve your financial goals, becoming a member is just a step away. Visit us today at 2924 Waughtown St or check out our website at ncsecu.org for more information on how you can join us in this journey towards financial empowerment!

Mission Statement

Our mission is simple yet powerful: to serve our members by providing quality financial services while supporting the communities we live in. We believe in putting people first, offering products that promote financial well-being whether that's through competitive loan rates or rewarding savings accounts. We are dedicated not just to individual success but also to uplifting our community through various outreach initiatives and partnerships. While members can visit us at 2924 Waughtown St for in-person assistance, official correspondence should be sent to the same address for consistency. Our operating hours are Monday through Friday from 8:30 AM to 5:30 PM, ensuring we're available when you need us most.

Our Evolution

Since our inception, State Employees' has evolved significantly. We have continually adapted to meet the changing needs of our members and embrace advancements in technology. From introducing online banking services to providing mobile payment options, we strive to ensure that managing finances is convenient for everyone. Our commitment to accessibility includes ADA compliance and ensuring all members can enjoy our services easily.

Branch Location & Accessibility

Welcome to the State Employees' branch, your friendly neighborhood credit union located at 2924 Waughtown St in Winston Salem, NC. We're proud to serve our community with a convenient location that makes banking easy and accessible for everyone. If you need to send us official mail, please use our mailing address: 2924 Waughtown St, Winston Salem, NC 27107. Nestled in Forsyth County, our branch is just a stone's throw away from local landmarks like the scenic Waughtown Park and the vibrant community center. With ample parking available right outside our door and ADA-compliant access features, we ensure that every member can visit us comfortably. Our lobby hours are designed to fit your busy schedule; we're open Monday through Friday from 8:30 AM to 5:30 PM. Whether you need assistance with personal banking services like checking and savings accounts or you're interested in auto loans and mortgage refinancing, our dedicated team is here to help. For those who prefer quick transactions, we also offer drive-thru banking for deposits and withdrawals, as well as ATM services for cash withdrawals and balance checks all designed to make your banking experience smooth and efficient. Got questions? Feel free to give us a call at 336-722-2543. We can't wait to welcome you into our branch!

Member Eligibility

At State Employees', we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and open to many! If you live, work, or attend school in the area, or if you have family members who are already part of our credit union, you're likely eligible to join us. Membership at State Employees' comes with numerous benefits including competitive rates on loans, personalized financial services, and a supportive environment focused on your needs. For the most accurate and detailed information about eligibility criteria, feel free to check out our resource at http://www.ncsecu.org/join#eligibility. When you're ready to open an account, the process is straightforward just visit us online at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (336) 722-2543. We're excited to welcome you into our family!

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 being able to accept payments seamlessly from your customers whether they pay with a card, mobile wallet, or online transfer. Our merchant services make it easy for you to process transactions securely and efficiently, allowing you to focus on what matters most: growing your business. Located at 2924 Waughtown St Winston Salem Nc 27107 in Winston Salem, NC, we're here to partner with you every step of the way. Contact us today at (336) 722-2543 to learn more about how we can support your business goals!

Comprehensive List Of Services

Additional Services

We also offer basic drive-thru banking for quick deposits and withdrawals. Whether you're rushing to work or picking up kids from school, our drive-thru service ensures that banking doesn't slow you down. Located at 2924 Waughtown St, our branch is ready to serve you with friendly staff who are here to answer any questions you may have about our offerings. You can reach us directly at 336-722-2543 during our operating hours from 8:30 AM to 5:30 PM on weekdays.

Business Banking

For entrepreneurs and business owners, we know how crucial it is to have the right tools at hand. That's why we provide comprehensive business banking services, including merchant services and business loans designed to help your venture grow.

Call to Action

We invite you to explore all the ways State Employees' can assist you in achieving your financial goals. Visit us online at ncsecu.org or stop by our branch today!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize online and mobile banking features that allow you to manage your accounts anytime, anywhere. You can check balances, make transfers, or pay bills from the comfort of your home or on-the-go. With our ATM services available for cash withdrawals and balance checks, accessing your money has never been easier.

Loans and Financing

When it comes to financing your dreams, whether that's a new car or your first home, we have you covered with an array of loan options. Our auto loans and vehicle financing solutions can help you hit the road in no time. If you're considering buying a house, our mortgage loans and refinancing services will guide you through the process, ensuring you find the best rates available. If you're facing unexpected expenses or need some extra cash for a special project, our personal loans and debt consolidation options can provide the support you need without overwhelming fees. Plus, with our credit cards that offer rewards, every purchase can earn you benefits that enhance your financial freedom.

Personal Banking

For those looking to manage their day-to-day finances, we offer various personal banking options. You can easily open checking and savings accounts that fit your lifestyle. Imagine having the peace of mind knowing your funds are secure while also earning interest on your savings.

Digital & Online Banking

Enjoy Seamless Transactions

Need to make a quick payment? Our mobile payments feature allows you to pay for goods and services directly from your smartphone. While person-to-person transfers aren't available right now, our other features are designed to make everyday banking as straightforward as possible. In a world where time is precious, State Employees' is committed to providing accessible and user-friendly digital banking solutions that help you manage your finances efficiently. Experience the ease of real-time account management today!

Key Features of Our Digital Banking Services

With 24/7 online banking services, you can check your balances, transfer funds, and pay bills at your convenience. Whether you're at home or on the go, you can stay in control of your money. Plus, our mobile application makes it even simpler to access all these features from the palm of your hand. Security is a top priority for us. Our electronic signature authorization feature ensures that your transactions are safe and secure, giving you peace of mind with every click. You can also opt for e-statements to keep track of your account activity without the clutter of paper statements.

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 understand that in today's uncertain economic environment, you want to know your money is safe and your credit union is sound. That's why we're proud to share our financial strength with you. 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. 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. In addition to these impressive figures, we have $133,577,509 in undivided earnings that allow us to reinvest in innovative banking tools and stronger lending options while enhancing security measures for our members. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is also evident with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We are proud to have 7,729 full-time employees and 529 part-time employees dedicated to serving you with expertise and commitment. Net Shares (Funds available for lending and investments) stand at $574,556,810, illustrating our ability to support your needs effectively. With a total of 5,850,875 share accounts, it's clear that our growing member base 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 2924 Waughtown St Winston Salem Nc 27107 or call (336) 722-2543 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

Additional Services

For those looking for more specialized financing options, we also provide various credit lines totaling $18,909,000,000. If you're interested in refinancing existing loans or would like to explore eligibility options for any of our products, we're here to help! Feel free to reach out to us at (336) 722-2543 for any questions or assistance with your loan applications. Our dedicated team at State Employees', located at 2924 Waughtown St Winston Salem Nc 27107, is ready to assist you from 8:30 AM to 5:30 PM, Monday through Friday. 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 that next step towards achieving your financial aspirations today!

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 brand-new model or a reliable used vehicle, our loan options are flexible and tailored to fit your budget.

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 support throughout the mortgage process, ensuring you understand every step along the way.

Unsecured Credit Card Loans

Managing day-to-day expenses can 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 provides you with the freedom to make purchases as needed while offering competitive interest rates.

Loan Aggregator

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information presented is accurate and reflects current market conditions. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This approach means that users see a clear picture of their options without hidden agendas. Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions empower users to make informed decisions. Whether you're looking for a mortgage or an auto loan, you can compare rates in real time. 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 of this tool in helping consumers make better financial choices. 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.