State Employees' Credit Union - Nationwide Branches

View State Employees' Credit Union overview page →

Branch	Address	View Lobby Hours
SHELBY	1729 E DIXON BLVD, SHELBY, NC 28152	View Lobby Hours
SHALLOTTE	2375 OCEAN HWY W, SUPPLY, NC 28462	View Lobby Hours
Wake Forest Road	3101 Wake Forest Rd, Raleigh, NC 27609	View Lobby Hours
ELKIN	426 CC CAMP RD, ELKIN, NC 28621	View Lobby Hours
ELIZABETHTOWN	2070 US HIGHWAY 701 S, ELIZABETHTOWN, NC 28337	View Lobby Hours
ELIZABETH CITY - HALSTEAD BLVD	909 HALSTEAD BLVD, ELIZABETH CITY, NC 27909	View Lobby Hours
ELIZABETH CITY - 17 NORTH	105 NORTHSIDE PARK, ELIZABETH CITY, NC 27909	View Lobby Hours
SMITHFIELD - BRIGHT LEAF BLVD	502 N BRIGHTLEAF BLVD, SMITHFIELD, NC 27577	View Lobby Hours
CHARLOTTE - THIRD STREET	1130 E 3RD ST, CHARLOTTE, NC 28204	View Lobby Hours
BRYSON CITY	50 BRENDLE ST, BRYSON CITY, NC 28713	View Lobby Hours
ARCHDALE	10305 N MAIN ST, ARCHDALE, NC 27263	View Lobby Hours
CARY - CHAPEL HILL ROAD	9101 CHAPEL HILL RD, CARY, NC 27513	View Lobby Hours
APEX	1065 VISION DR, APEX, NC 27523	View Lobby Hours
ALBEMARLE	1600 NC 24 27 BYP W, ALBEMARLE, NC 28001	View Lobby Hours
CARRBORO	100 NC 54, CARRBORO, NC 27510	View Lobby Hours
BUTNER	411 CENTRAL AVE, BUTNER, NC 27509	View Lobby Hours
CHAPEL HILL - ELLIOTT ROAD	110 S ELLIOTT RD, CHAPEL HILL, NC 27514	View Lobby Hours
AHOSKIE	1125 ACADEMY ST N, AHOSKIE, NC 27910	View Lobby Hours
ARDEN	2631 HENDERSONVILLE RD, ARDEN, NC 28704	View Lobby Hours
BOILING SPRINGS	416 S MAIN ST # 2, SHELBY, NC 28152	View Lobby Hours
BOONE - BLOWING ROCK ROAD	1470 BLOWING ROCK RD, BOONE, NC 28607	View Lobby Hours
BOONE - NEW MARKET	410 NEW MARKET BLVD, BOONE, NC 28607	View Lobby Hours
BREVARD	2235 ASHEVILLE HWY, BREVARD, NC 28712	View Lobby Hours
BENSON	925 DOGEYE RD, BENSON, NC 27504	View Lobby Hours
CHARLOTTE - WENDOVER ROAD	901 N WENDOVER RD STE G, CHARLOTTE, NC 28211	View Lobby Hours
BURLINGTON	2623 ALAMANCE RD, BURLINGTON, NC 27215	View Lobby Hours
DURHAM - HWY 98 EAST	108 OLIVE BRANCH RD, DURHAM, NC 27703	View Lobby Hours
CHARLOTTE - STEELE CREEK	10820 S TRYON ST, CHARLOTTE, NC 28273	View Lobby Hours
BARCO	100 FYVIE Dr, BARCO, NC 27917	View Lobby Hours
CHARLOTTE - PARK ROAD	4819 PARK RD, CHARLOTTE, NC 28209	View Lobby Hours
ASHEVILLE - UNCA	701 BROADWAY ST, ASHEVILLE, NC 28804	View Lobby Hours
BLACK MOUNTAIN	313 W STATE ST, BLACK MOUNTAIN, NC 28711	View Lobby Hours
ASHEVILLE - SMOKEY PARK HIGHWAY	145 SMOKEY PARK HWY, ASHEVILLE, NC 28806	View Lobby Hours
CHARLOTTE - ALBEMARLE ROAD	6630 EXECUTIVE CIR, CHARLOTTE, NC 28212	View Lobby Hours
CARY - WALNUT STREET	531 WALNUT ST, CARY, NC 27511	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.890%	5.750%	0.88	$4,901	$1,868	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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