--- title: "State Employees' Credit Union: #1 Mortgage in North Carolina" description: "State Employees' Credit Union has the lowest tracked 30-year fixed mortgage rate in North Carolina (6.10% APR) among 11 credit unions we verify. State Employees' Credit Union rates today: 30 year fixed mortgage 6.70% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join State Employees' Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/state-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # State Employees' Credit Union: #1 Mortgage in North Carolina **Awaiting fresh data:** auto rates, HELOC rates & personal loan rates appeared in the latest dated market snapshot, but those rows are outside the current serving window. We do not present stale figures as current rates. ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.701% APR | 6.625% | — | Standard | | **15-Year Fixed** 15 year fixed | 5.996% APR | 5.875% | — | Standard | | **10-Year Fixed** 10 year fixed | 5.846% APR | 5.675% | — | Standard | | **5/5 ARM 80% LTV or Less (Up to 30 YR Term)** 5 5 arm | 6.100% APR | 5.875% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.423% APR | 6.325% | — | Standard | State Employees' Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, State Employees' Credit Union offers a 30-year fixed mortgage at 6.701% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/state-employees) , verified from [State Employees' Credit Union's official website](https://www.ncsecu.org/.html) Best product position **#1 of 11** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **94 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked North Carolina markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.10% | #1 of 11 · lowest in North Carolina | State market leader | 94 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim State Employees' Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=state-employees&state=north-carolina&code=NC&name=State%20Employees'%20Credit%20Union) Loading branch locator… ## About State Employees' Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3M Assets $59.8B Founded 1937 Locations reported 286 NCUA charter 66310 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Latino Community** Garner Branch · Raleigh · NC · 27603 About 3.7 miles away](https://rateapi.dev/credit-unions/north-carolina/latino-community) [**Navy Federal Credit Union** Garner NC · Garner · NC · 27529 About 4.3 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Coastal** White Oak Crossing #124 · Garner · NC · 27529-6913 About 4.5 miles away](https://rateapi.dev/credit-unions/north-carolina/coastal) [**North Carolina Press Association** Corporate Office · Raleigh · NC · 27603-1739 About 8.1 miles away](https://rateapi.dev/credit-unions/north-carolina/north-carolina-press-association) [**Civic** LGFCU Corporate Office · Raleigh · NC · 27603-1369 About 8.2 miles away](https://rateapi.dev/credit-unions/north-carolina/civic) [**First Flight** Cary Corporate Headquarters · Cary · NC · 27518 About 8.8 miles away](https://rateapi.dev/credit-unions/north-carolina/first-flight) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join State Employees' Credit Union Membership eligibility from State Employees' Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (Employees of the state of North Carolina +4 more) or the State Employees Association of North Carolina - Employer Employees of the state of North Carolina, Employees of North Carolina public boards of education, Employees of North Carolina county departments of Social Services, Health, Mental Health, and Civil Defense, North Carolina National Guard, Blue Cross Blue Shield of North Carolina, Inc. - Association State Employees Association of North Carolina **Cost to join:** About $25. Verified from [State Employees' Credit Union's membership page](https://www.ncsecu.org/join) . Final membership determination is always made by the credit union. ## Work at State Employees' Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where State Employees' Credit Union ranks against North Carolina peers. - See which AI assistants fetched State Employees' Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=state-employees&state=north-carolina&code=NC&name=State%20Employees'%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does State Employees' Credit Union offer? State Employees' Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are State Employees' Credit Union rates updated? RateAPI verifies State Employees' Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get State Employees' Credit Union's rate data? Rate data is collected directly from State Employees' Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is State Employees' Credit Union's mortgage rate? As of November 12, 2026, State Employees' Credit Union offers a 30-year fixed mortgage at 6.701% APR. ### Who can join State Employees' Credit Union? Membership via employers (Employees of the state of North Carolina +4 more) or the State Employees Association of North Carolina ## Related Rate Data Compare State Employees' Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina mortgage rate leaders](https://rateapi.dev/mortgage-rates/north-carolina) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.ncsecu.org/.html) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track State Employees' Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for State Employees' Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /state-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## State Employees' Credit Union locations Search, filter, and browse all 286 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/north-carolina/state-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp