Nc State Employee Credit Union

Nestled in the welcoming community of Winston Salem, the State Employees' Credit Union branch at 3389 Sides Branch Rd is your friendly neighborhood destination for trusted financial services. Open Monday through Friday from 8:30 AM to 5:30 PM, this location features convenient drive-thru banking and an onsite ATM, making everyday transactions like cash withdrawals and deposits smooth and hassle-free. Whether you’re looking to finance your next vehicle with some of the best auto loans available or exploring low mortgage rates and refinancing options, this branch offers expert guidance tailored to help you reach your financial goals.
Serving nearly 2.85 million members statewide with assets exceeding $57 billion, State Employees’ Credit Union provides a comprehensive range of personal and business banking solutions. From rewarding credit cards with valuable perks to business loans including merchant services, plus personalized checking and savings accounts designed around your lifestyle, you’ll find financial tools crafted just for you. Convenient online and mobile banking keeps you connected anytime, anywhere.
Visit the State Employees' Credit Union branch at 3389 Sides Branch Rd in Winston Salem or call 336-771-1530 today. Experience local service—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

Community Impact and Commitment

As a member-focused credit union, our total assets stand impressively at $57.2 billion, with total deposits reaching $7.9 billion. This strong financial foundation allows us to offer competitive rates on loans and savings products, helping you save money and build wealth over time. We currently manage 1,194,630 loans and leases, demonstrating our commitment to providing accessible financing options for both personal and business needs. While you can visit us at our physical location for all your banking needs, please note that official correspondence should be directed to the same address: 3389 SIDES BRANCH RD, WINSTON SALEM, NC 27127.

Why Choose Us?

With our extensive range of services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards there's something for everyone at State Employees'. We also prioritize convenience with online and mobile banking options available to all members. Whether you're looking to finance a new car or save for your future, we're here to help. We invite you to reach out to us directly at 336-771-1530 or explore more about our offerings on our website here. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Community Focus

We believe in giving back to the communities we serve. Through various outreach programs and partnerships with local organizations, we strive to make a meaningful impact on the lives of our members and neighbors. Whether it's through financial education workshops or community events, we are dedicated to enhancing the well-being of Winston Salem. With convenient ATM availability and drive-thru banking services, we ensure that accessing your funds is hassle-free. In addition, our digital advancements allow for online banking and mobile payments keeping your finances at your fingertips. As we look towards the future, we invite you to join us on this journey. Experience firsthand how State Employees' can help you achieve your financial goals while being part of a supportive community. Together, let's build a brighter tomorrow! For more information or to become a member today, call us at (336) 771-1530 or visit our website at https://www.ncsecu.org/.

Our Mission

At the heart of State Employees' mission is a simple yet profound commitment: to empower individuals and families through sound financial solutions while fostering a sense of community. We understand that banking is not just about transactions; it's about building relationships and supporting one another. Our goal is to offer accessible services like checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and more all designed with you in mind. While members can visit us at 3389 Sides Branch Rd Winston Salem Nc 27127, official correspondence should be sent to 3389 SIDES BRANCH RD, WINSTON SALEM, NC 27127. Our operating hours are Monday through Friday from 8:30 AM to 5:30 PM, making it easy for you to connect with us whenever you need assistance.

Branch Location & Accessibility

Accessible Banking

We take pride in making banking accessible for everyone. Our branch is ADA compliant, ensuring that all members can navigate our space comfortably. If you're on the go, we offer a drive-thru service for quick deposits and withdrawals without leaving your vehicle. For those who prefer cash withdrawals or balance checks, our ATM is readily available as well.

Conveniently Located

Our branch is nestled in a vibrant area of Forsyth County, making it easy for you to visit us. We are close to local landmarks that make finding us a breeze. Plus, with ample parking available, you can park with ease and step right into your trusted credit union.

Friendly Service Hours

You can visit us Monday through Friday from 8:30 AM to 5:30 PM. Our dedicated staff is ready to assist you during these hours, whether you have questions about personal banking options like checking and savings accounts, auto loans, or mortgage refinancing. While members can visit us at our physical address for transactions and inquiries, please note that official correspondence should be sent to the same address as our branch.

Get in Touch

Have questions? Don't hesitate to call us at 336-771-1530. We're here to provide personalized service tailored to your needs. Come see us today and experience the friendly atmosphere and helpful resources that make State Employees' a trusted partner in your financial journey!

Member Eligibility

Becoming a member of State Employees' is like joining a family where your financial needs are truly understood and prioritized. If you live, work, or attend school in North Carolina, you're already on the right track! We welcome individuals who have a connection to the state or its residents. This means whether you're employed by the state, part of a qualifying organization, or simply call this beautiful state home, you can step into a world of benefits designed just for you. To learn more about our specific eligibility criteria and see if you qualify, please check out our detailed guidelines at http://www.ncsecu.org/join#eligibility. Opening an account is straightforward and welcoming. You can start your journey with us online by visiting https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu, or feel free to give us a call at (336) 771-1530 if you have any questions. Our dedicated team is here to help you every step of the way as you unlock exclusive services that make banking feel personal and supportive at State Employees', located at 3389 Sides Branch Rd Winston Salem Nc 27127. We can't wait to welcome you!

Business Banking & Commercial Services

Member and Non-Member Commercial Loans

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.

Merchant Services

In addition to loans, our merchant services help streamline transactions so you can focus on what matters most growing your business. From payment processing to point-of-sale systems, we offer tools that make accepting payments easy and efficient. Visit us at 3389 Sides Branch Rd Winston Salem Nc 27127, Winston Salem, NC, or call us at (336) 771-1530 to learn more about how we can assist you in achieving your business goals!

Outstanding Portfolio

With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash on the go? Our conveniently located ATMs offer easy access for withdrawals and balance checks. For those quick transactions, our basic drive-thru banking provides a hassle-free way to handle deposits and withdrawals without leaving your car. We invite you to explore all these services and more at State Employees'. If you have questions or want personalized advice on which options best suit your needs, don't hesitate to reach out! You can call us at (336) 771-1530, or visit us during our lobby hours from Monday through Friday from 8:30 AM to 5:30 PM. Join us today at Winston-salem - Peters Creek Parkway, where we put our members first!

Business Banking Solutions

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services that streamline payment processing and business loans tailored for growth. We're here to assist you in taking your business to the next level.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services, allowing you to manage your accounts from anywhere at any time. Whether you're checking balances, transferring funds, or paying bills through our mobile app or online platform, we've made it simple for you.

Credit Cards and Rewards

At State Employees', we believe in rewarding our members. Our credit cards with rewards programs allow you to earn points for every purchase you make, whether you're buying groceries or booking a vacation. These rewards can be redeemed for exciting benefits that enhance your lifestyle.

Personal Banking Services

When it comes to managing your day-to-day finances, State Employees' offers various personal banking options. Our checking and savings accounts are crafted to help you save effectively while giving you easy access to your funds. If you're considering purchasing a new vehicle or refinancing your current one, our auto loans and vehicle financing solutions provide competitive rates that can fit any budget. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services ensure you have the right support. We also provide personal loans and debt consolidation options that can help simplify your finances, making it easier for you to manage payments.

Digital & Online Banking

At State Employees', we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances as convenient and secure as possible. With our easy-to-use platform, you can access your accounts anytime, anywhere, giving you the freedom to bank on your terms. One of the standout features is our robust online banking service available at https://www.ncsecu.org/. Here, you can check balances, transfer funds, and pay bills all from the comfort of your home or while on the go. We prioritize your security with electronic signature authorization, ensuring that every transaction you make is safe and protected. You'll also love our e-statements feature, which allows you to receive your account statements electronically no more waiting for paper copies in the mail! This not only helps keep your information secure but also contributes to a more eco-friendly approach to banking. For those who enjoy using their smartphones, our mobile application offers everything you need at your fingertips. You can make mobile payments easily, so whether you're shopping or dining out, paying with just a tap is simple and quick. Plus, with our 24/7 online banking services, you can manage your accounts whenever it suits you best. While person-to-person transfers aren't available right now, we're continually working on expanding our features to better serve you. At State Employees', we are committed to providing accessible and user-friendly options for all members. With these tools at your disposal, keeping track of your finances has never been easier. Experience the convenience of modern banking today!

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 you want to feel confident in where you keep your money, and we're proud to demonstrate our strength and reliability. 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. Our commitment to reinvesting in our community is clear with $133,577,509 in undivided earnings. This allows us to enhance our banking tools, improve lending options, and strengthen security measures all aimed at serving you better. We also support your financial goals with $193,516 in used auto loans and $34,904,944,116 in total loans and leases. Our lending capacity enables us to assist members across various sectors effectively. Additionally, our $0 reflects our operational efficiency, which helps us continue offering competitive loan rates and solid financial products for our members. We take pride in having 7,729 full-time employees and 529 part-time employees who are always ready to serve you with a knowledgeable, committed team. Together, they work hard to ensure your experience with State Employees' is nothing short of excellent. Net Shares (Funds available for lending and investments): $574,556,810 showcase how well we manage resources for the benefit of all members. With a total of 5,850,875 share accounts, it's evident that many trust 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 3389 Sides Branch Rd Winston Salem Nc 27127 or call (336) 771-1530 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. We believe that financing your vehicle should be straightforward and affordable, allowing you to focus on what matters most enjoying your ride.

Business Financing

For business owners, our outstanding commercial loans provide the capital needed to grow and expand. Though currently we do not have any outstanding commercial loans available at this time, our team is ready to assist you with future opportunities that align with your business goals. At State Employees', we're dedicated to making borrowing accessible and straightforward. For more information about any of our loan products or to discuss how we can assist you further, please don't hesitate to reach out at (336) 771-1530. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial well-being is our priority, and we're here to help every step of the way!

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 personalized support throughout the process, ensuring you feel confident in your decisions. If you're considering refinancing, we can guide you through eligibility options that may help lower your payments or access cash from your home's equity.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes require a little extra flexibility. That's where our unsecured credit card loans come into play. With a total of $1,177,171,541 in loans helping members manage their finances effectively, we offer competitive terms and features designed to help you gain control over your spending.

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