State Employees' Credit Union5130 Poplar Tent Rd, Concord, NC

Concord, NC
(704) 788-4174
NCUA Insured

About State Employees'

This branch of State Employees' is located at 5130 Poplar Tent Rd in Concord, North Carolina, and can be reached at (704) 788-4174. State Employees' is a federally insured financial cooperative serving the Concord, North Carolina community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Concord or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the Concord area.

Key Member Benefits

  • Financial Counseling

    Expert guidance on budgeting, debt reduction, and wealth building to help you achieve financial stability.

  • First-Time Homebuyer Program

    Special mortgage programs with lower down payments or rate assistance to help you buy your first home.

  • Low-Cost Wire Transfers

    Affordable wire transfer services, making it easier to send money domestically or internationally.

Location & Branch Hours

Visit Branch

5130 Poplar Tent Rd

Concord, NC 28027

Lobby Hours
Open

Today: 12am-11:59pm

Sunday12:00 AM - 11:59 PM
Monday12:00 AM - 11:59 PM
Tuesday12:00 AM - 11:59 PM
Wednesday12:00 AM - 11:59 PM
Thursday12:00 AM - 11:59 PM
Friday12:00 AM - 11:59 PM
Saturday12:00 AM - 11:59 PM

Inferred from 38/50 locations with same hours

Need Funds Before You Join?

How to Join

Membership at State Employees' is typically open to individuals who live, work, worship, or attend school in Concord and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (704) 788-4174 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, State Employees' typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Verified Branch Services

ATM

Frequently Asked Questions

Is State Employees' federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of Concord, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Other State Employees' Locations

50 additional branches in 1 state

North CarolinaCurrent State

50 locations

1995 S US 29 Hwy

10 mi away(704) 856-3515

1600 Nc 24 27 Byp W

25 mi away(704) 983-2850

184 Yadkin Valley Rd

43 mi away(336) 998-9800

1036 S Park St

51 mi away(336) 629-7020

10305 N Main St

52 mi away(336) 434-2015

160 Savannah Garden Dr

71 mi away(910) 947-3021

1176 Saint Marks Church Rd

79 mi away(336) 538-4734

2623 Alamance Rd

81 mi away(336) 570-2565

173 N Chatham Pkwy

94 mi away(919) 932-7232

100 Nc 54

95 mi away(919) 967-0833

310 Pittsboro St

97 mi away(919) 962-6551

1010 S Hamilton Rd

98 mi away(919) 962-6524

110 S Elliott Rd

99 mi away(919) 962-1111

1065 Vision Dr

103 mi away(919) 363-8728

9101 Chapel Hill Rd

108 mi away(919) 465-4616

1305 N Raleigh St

108 mi away(919) 275-3376

531 Walnut St

109 mi away(919) 467-5581

2700 Macedonia Rd

111 mi away(919) 325-1257

411 Central Ave

118 mi away(919) 575-4581

168 Annette Dr

119 mi away(919) 934-7878

925 Dogeye Rd

119 mi away(919) 207-3812

Credit Unions Near Me in Other North Carolina Cities

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If State Employees' Credit Union isn't the right fit

To borrow from State Employees' Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can apply online with lenders serving North Carolina. Applying is quick, and funds may be available quickly after approval.

Approval, amount, and terms depend on the lender and your creditworthiness. Loans are not available in all states.