Raleigh, NC 27603
See all branch locations →

Phone 1-919-839-5300

Notable Rates APY Vs.Others
Savings N.A. 1.20% →
1-Year CD N.A. 1.10% →
2-Year CD N.A. 1.15% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

State Employees' is an NCUA insured institution located in Raleigh, NC. It was founded in 1937 and has approximately $42845.13 millions in assets.

Who can join?

State Employees' Credit Union is a member-owned, not-for-profit cooperative. Membership is limited to persons who meet the eligibility requirements.

Eligibility Requirements
Employees of the State of North Carolina and Federal employees working in conjunction with State departments

Employees of Public Boards of Education

Employees of associations formed for the benefit of State employees, such as State Employees' Association of North Carolina, N.C. Association of Educators, State Employees' Credit Union, and non-remarried spouses of persons who died while in the field of membership of the Credit Union

Persons retired from the above employment as pensioners and/or annuitants from the above employment or services

Persons in the immediate family of current Credit Union members (defined as spouses, parents, children, and siblings of a member), persons living in the same residence maintaining a single economic unit with a member, and organizations of such persons

Employees of agencies or departments whose employees are subject to the State Personnel Act

Employees of county, municipal, and related government units (excluding employees of county departments of Social Services, Health, Mental Health, and Civil Defense) who currently have a Credit Union chartered by North Carolina or the Federal Government and who are included in that field of membership are not eligible for membership in the State Employees' Credit Union

All members of the North Carolina National Guard

NCUA Insured Yes
Charter Number # # 66310
Date Established 1937
Assets $42,845.13 million
Loans $24,668.40 million
Deposits $38,793.67 million
Capital $3,579.59 million

Field of Membership Restrictions

Membership in State Employees' Credit Union is open to employees of the state of North Carolina, employees of public boards of education, Federal employees working with the North Carolina government, employees of associations formed for the benefit of state of North Carolina employees, County employees of Social Services, Health, Mental Health and Civil Defense, members of the North Carolina National Guard, and immediate family of current members.

Deposit Rates - August 7, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for State Employees'

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Loan Rates - August 7, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for STATE EMPLOYEES'

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.870% 2.800% 0.88 $2,296 $1,028 Learn More
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
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PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

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Below are State Employees' branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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State Employees' Locations

Financial Details

State Employees' Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of State Employees'. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
State Employees' U.S. Average
12.13% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, State Employees' had $462,782,074 in non-current loans and $7,848,538 in owned assets. To cover these potential losses it had $3,579,590,189 in net worth and $300,701,818 in loans loss reserves. That gives it a Texas Ratio of 12.13%.

Net Worth
State Employees' U.S. Average
8.64% 13.61%

State Employees' FCU has a net worth of 8.64% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About State Employees'

Branches and Savings

What is State Employees'?

A federal credit union, registered with the NCUA under certificate #66310.
Learn more about credit unions here.

Is State Employees' FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join State Employees'?

Please see Field of Membership information above for information on who is eligible to join.

What are State Employees''s share account and share certificate rates?

State Employees''s deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is State Employees'?

State Employees' has total capital of $3,579.59 million. Full information on State Employees''s financial position is located above.

Who owns State Employees'?

Credit Unions are owned by their members.

Where are State Employees' branches located?

See branch locations nearby.

Are State Employees' ATMs Open 24/7?

Do State Employees' ATMs accept cash deposits?

Can State Employees' customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does State Employees' have a mobile app?

Does State Employees' have mobile deposit?

Does State Employees' have quick pay?

How can State Employees' transfer money to other banks or credit unions?

Does State Employees' report to credit bureaus?

Does State Employees' use Chexsystems?

Does State Employees' use Equifax?

What is State Employees''s toll free phone number?

What is State Employees''s ACH Routing Number?

What is State Employees''s SWIFT code?

Where can I find State Employees''s wire transfer form?

What is the State Employees' address for deposits?

What Products Does State Employees' Offer

Does State Employees' offer mortgages?

Compare mortgage rates here.

Does State Employees' offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does State Employees' offer auto and RV loans?

Compare auto loan rates here.

Does State Employees' offer student loans or personal loans?

Compare personal loan rates here.

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