State Employees' Credit Union - Nationwide Branches

View State Employees' Credit Union overview page →

Branch	Address	View Lobby Hours
GREENSBORO - MUIRS CHAPEL RD	200 MUIRS CHAPEL RD, GREENSBORO, NC 27410	View Lobby Hours
GREENVILLE - MEDICAL PARK	2211 HEMBY LN, GREENVILLE, NC 27834	View Lobby Hours
GRANITE FALLS	145 N HIGHLAND AVE, GRANITE FALLS, NC 28630	View Lobby Hours
SPARTA	381 S MAIN ST STE 103, SPARTA, NC 28675	View Lobby Hours
GOLDSBORO - WAYNE MEMORIAL DR	2811 WAYNE MEMORIAL DR, GOLDSBORO, NC 27534	View Lobby Hours
GOLDSBORO - NORTH BERKELEY BLVD	3101 CASHWELL DR, GOLDSBORO, NC 27534	View Lobby Hours
GATESVILLE	6 COMMERCE DR, GATESVILLE, NC 27938	View Lobby Hours
GASTONIA - UNION RD	2709 UNION RD, GASTONIA, NC 28054	View Lobby Hours
WILMINGTON - MARKET ST	8075 MARKET ST, WILMINGTON, NC 28411	View Lobby Hours
KENANSVILLE	188 MAGNOLIA EXT, KENANSVILLE, NC 28349	View Lobby Hours
GREENSBORO - NEW GARDEN ROAD	1201 NEW GARDEN RD, GREENSBORO, NC 27410	View Lobby Hours
HENDERSON	1795 GRAHAM AVE, HENDERSON, NC 27536	View Lobby Hours
HICKORY - FAIRGROVE CHURCH RD	1130 FAIRGROVE CHURCH RD, HICKORY, NC 28602	View Lobby Hours
TAYLORSVILLE	45 CARRIGAN RD, TAYLORSVILLE, NC 28681	View Lobby Hours
HICKORY - 16TH ST NE	2875 16TH ST NE, HICKORY, NC 28601	View Lobby Hours
TARBORO	600 WESTERN BLVD, TARBORO, NC 27886	View Lobby Hours
HERTFORD	142 OCEAN HWY N, HERTFORD, NC 27944	View Lobby Hours
TABOR CITY	1214 E 5TH ST, TABOR CITY, NC 28463	View Lobby Hours
SOUTHPORT	5190 EASON ST, SOUTHPORT, NC 28461	View Lobby Hours
SYLVA	1746 E MAIN ST, SYLVA, NC 28779	View Lobby Hours
GREENSBORO - WEST MARKET STREET	1030 W MARKET ST, GREENSBORO, NC 27401	View Lobby Hours
STATESVILLE	1742 WILKESBORO HWY, STATESVILLE, NC 28625	View Lobby Hours
HAYESVILLE	235 HIGHWAY 64 E, HAYESVILLE, NC 28904	View Lobby Hours
SPRUCE PINE	10956 S 226 HWY, SPRUCE PINE, NC 28777	View Lobby Hours
HARRISBURG	5555 NC HIGHWAY 49 S, HARRISBURG, NC 28075	View Lobby Hours
GREENVILLE - FIRST STREET	300 W 1ST ST, GREENVILLE, NC 27834	View Lobby Hours
THOMASVILLE	1700 LIBERTY DR, THOMASVILLE, NC 27360	View Lobby Hours
HENDERSONVILLE	215 N WASHINGTON ST, HENDERSONVILLE, NC 28739	View Lobby Hours
KNIGHTDALE	809 N SMITHFIELD RD, KNIGHTDALE, NC 27545	View Lobby Hours
KERNERSVILLE - SOUTH MAIN ST	910C S MAIN ST, KERNERSVILLE, NC 27284	View Lobby Hours
LILLINGTON	411 PINE STATE ST, LILLINGTON, NC 27546	View Lobby Hours
WINSTON-SALEM - SILAS CREEK PKWY	2250 SILAS CREEK PKWY, WINSTON SALEM, NC 27103	View Lobby Hours
LEXINGTON	404 PIEDMONT DR, LEXINGTON, NC 27295	View Lobby Hours
LENOIR	503 WILKESBORO BLVD NE, LENOIR, NC 28645	View Lobby Hours
WINDSOR	46 Grabtown Rd, WINDSOR, NC 27983	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
NMLS ID: 399799	6.124%	6.000%	1.00	$4,412	$1,919	Learn More

See More Mortgage Rates →

Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
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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