Credit Unions | State Employees' Credit Union | Branches | MURPHY

State Employees' Credit Union : Murphy

1297 ANDREWS RD
MURPHY, NC 28906

Visit State Employees' Credit Union main page

Your current location is: Phoenix, AZ

State Employees' Credit Union : MURPHY — distance 1600.71

Deposit Rates - June 02, 2026

CD RATES	APY	MIN	MAX
6 Mo CD	3.70%	$250	-	Compare
9 Mo CD	4.65%	$250	-	Compare
12 Mo CD	3.90%	$250	-	Compare
18 Mo CD	4.00%	$250	-	Compare
24 Mo CD	4.00%	$250	-	Compare
30 Mo CD	4.00%	$250	-	Compare
36 Mo CD	3.75%	$250	-	Compare
48 Mo CD	3.75%	$250	-	Compare
60 Mo CD	3.80%	$250	-	Compare

SAVINGS RATES	APY	MIN	MAX
SAV	0.25%	$25	-	Compare

MM RATES	APY	MIN	MAX
Money Market	2.00%	$250	-	Compare

VARIABLE IRA RATES	APY	MIN	MAX
VIRA	3.00%	$0	-

Featured Home Equity Rates in North Carolina

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Point Digital Finance
NMLS ID: 1610752 / Updated 2026-06-02

Unlock your home equity. Build your future.

Get up to $600k.
Funding in as few as 5 days.
Flexible rate with up to a 30 year term.
Fast & Easy Online Application

Achieve Loans
NMLS ID: 1810501 / Updated 2026-04-09

Intro APR: 6.625 %
After Intro:6.625 %

Competitive rates, Pre-qualify in minutes
Mortgage Advisors standing by to help find the best solution
Flexible terms with fast funding
Minimum credit score: 600

Farmers Bank of Kansas City
NMLS ID: 613839 / Updated 2026-03-20
Equal Housing Lender

Intro APR: 6.750 %
After Intro:6.750 %

$25,000

Customized Rate Quote
24/7 Online Borrower Portal
Streamlined Online Application
Up to 100% LTV

Owning.com
NMLS ID: 2611 / Updated 2026-06-01
Equal Housing Lender

Intro APR: 6.844 %
After Intro:6.844 %

$25,000

Apply in 5 minutes, get your money in as fast as 5 days.
Digital application experience.
Funds directly to your bank account.
No in-person appraisal needed.

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

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

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Valley Strong Credit Union
NMLS ID: 456506 / Updated 2025-10-29
Equal Housing Lender

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Get your offer in 5 minutes and funding in as few as 5 days
Personalized banking solutions to help reach your financial goals
Up to $400K
Terms of 10,15, or 30 years

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22

Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months

$25,000

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

Splash Financial
NMLS ID: 1630038 / Updated 2026-02-16
Equal Housing Lender

Intro APR: 7.375 %
After Intro:7.375 %
Intro Period: 7 months

$25,000

Borrow up to $500,000*
Apply 100% online in minutes with a user-friendly platform
Check your rate without affecting your credit **
Tap into home equity today

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2026-06-02
Equal Housing Lender

HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

Fastest way to turn home equity into cash
Flexible terms, redraw up to 100%, borrow $15k-$750k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project

Unlock Technologies, Inc.
NMLS ID: Not a Lender / Updated 2026-06-02

Get cash now in exchange for a percentage of your homes future equity.

No monthly payments or interest charges
Minimum Credit score: 500
Access up to $500k
No need to refinance

Splash Financial
NMLS ID: 1630038 / Updated 2026-06-02
Equal Housing Lender

Cash in with a HELOC

Borrow up to $500,000*
Apply 100% online in minutes with a user-friendly platform
Check your rate without affecting your credit **
Tap into home equity today

CrossCountry Mortgage, LLC
NMLS ID: 3029 / Updated 2026-06-02

Unlock Your Home's Potential

Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans

Refi.com
NMLS ID: 1907 / Updated 2026-06-02
Equal Housing Lender

Access your home’s equity without replacing your current mortgage

Access your home’s equity without replacing your current mortgage
Put your home’s equity to work on your terms
Flexible funds for renovations, debt consolidation, or major expenses
Refi.com connects you with home equity lending specialists

AmeriSave Mortgage Corporation
NMLS ID: 1168 / Updated 2026-06-02

Home Equity Loans & Refinance – Cash out

Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business

Point Digital Finance
NMLS ID: Not a Lender / Updated 2026-06-02

Get up to $600k with no monthly payments, ever.

Use your funds your way
No income verification - ideal for self-employment or retirement planning
Enjoy maximum flexibility - 30 year term, no prepayment penalties
Home Equity Investments are not considered a loan in all states

Spring EQ
NMLS ID: 1464945 / Updated 2026-06-02

The leader for homeowners tapping cash from their homes since 2016.

Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates in North Carolina

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Refi.com
NMLS ID: 1907

0.000%

$0 Fees & Points $0 Total
0.000 Pts ($0)
$0 Fees

Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals
Tap into your home’s equity with a cash-out refinance

River City Mortgage LLC
NMLS ID: 142954
License#: L-192632

6.109%

$1,917 Fees & Points $4,196 Total
0.983 Pts ($3,146)
$1,050 Fees

Talk to a Pro, Not a Prompt. No bots. No nonsense. Just real people.
Accessible. Authentic. Transparent. We answer and make it make sense.
From pre-approval to closing — we’re all in.

Reliant Home Funding, Inc.
NMLS ID: 292473

6.117%

$1,917 Fees & Points $4,363 Total
0.740 Pts ($2,368)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

Allen Mortgage
NMLS ID: 2552907

6.181%

$1,893 Fees & Points $10,744 Total
1.000 Pts ($3,200)
$7,544 Fees

An indepent wholesale mortgage broker.

Home Simply
NMLS ID: 2473786
License#: L-223685

6.245%

$1,945 Fees & Points $4,113 Total
0.943 Pts ($3,018)
$1,095 Fees

Simple loans for your dream home!

Pure Rate Mortgage
NMLS ID: 2578474

6.245%

$1,945 Fees & Points $4,105 Total
0.900 Pts ($2,880)
$1,225 Fees

Pure Rate equals Pure Savings
We provide real-time access to premier wholesale lenders
Delivering wholesale pricing instantly

Watermark Home Loans
NMLS ID: 1838

6.251%

$1,945 Fees & Points $4,400 Total
0.866 Pts ($2,771)
$1,629 Fees

Lower Rates and Payments Start Here
Direct Lending • 14–21 Day Average Closings
Refinance Direct. Save More.

Tithe Lending
NMLS ID: 2439006

6.252%

$1,945 Fees & Points $4,410 Total
1.000 Pts ($3,200)
$1,210 Fees

Our rates and fee structure are straight forward and honest.
Our average closing times are 2-3 weeks due to a simple process.
We donate the first 10% of all of loan proceeds to local charities.

Loansteady
NMLS ID: 1701910

6.262%

$1,945 Fees & Points $4,695 Total
1.000 Pts ($3,200)
$1,495 Fees

Consolidate debt or renovate your home
Easy online application process
Low Rates: Quick Quote and Approval

Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894

6.273%

$1,919 Fees & Points $9,414 Total
0.817 Pts ($2,614)
$6,800 Fees

A brand you know and trust
Quick and efficient process
Mortgage products to fit your needs

Revix
NMLS ID: 2684156

6.282%

$1,971 Fees & Points $1,188 Total
0.000 Pts ($0)
$1,188 Fees

Refi faster and cut your monthly cost

LoanFlight Lending, LLC
NMLS ID: 1522344
License#: L-202969

6.317%

$1,971 Fees & Points $2,250 Total
0.703 Pts ($2,250)
$0 Fees

Charges $0 in Lender Fees
Get an Online Quote in Seconds
100% Online Process or Speak Directly with a Loan Officer

Allied Mortgage Group, Inc.
NMLS ID: 1067

6.328%

$1,971 Fees & Points $2,650 Total
0.828 Pts ($2,650)
$0 Fees

Streamlined Process
Expertise
Customer Service

Carolinas Capital Lending Inc
NMLS ID: 2715366
License#: B-228944

6.328%

$1,971 Fees & Points $2,650 Total
0.500 Pts ($1,600)
$1,050 Fees

Low Rates & Flexible Loan Options

Foundation Home Loans, LLC
NMLS ID: 2559614

6.337%

$1,971 Fees & Points $2,952 Total
0.610 Pts ($1,952)
$1,000 Fees

At Foundation, Your Home Dreams Take Flight

Anchor Home Mortgage Inc
NMLS ID: 169063

6.344%

$1,971 Fees & Points $3,205 Total
0.750 Pts ($2,400)
$805 Fees

"Lower Rates NOT Expectations!"

AimLoan.com
NMLS ID: 2890
License#: L-131613

6.346%

$1,971 Fees & Points $3,482 Total
0.702 Pts ($2,246)
$1,236 Fees

Certified Upfront Lender! Online Loan Estimate! Apply & Lock Rate 24/7!
26 Years' Experience
Get Your FREE Instant Rate Quote

Northpointe Bank
NMLS ID: 447490

6.368%

$1,971 Fees & Points $3,997 Total
0.813 Pts ($2,602)
$1,395 Fees

Great Rates
Personal Service
FDIC insured banking institution.

PenFed Credit Union
NMLS ID: 401822

6.391%

$1,971 Fees & Points $4,795 Total
0.875 Pts ($2,800)
$1,995 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

DECO Mortgage
NMLS ID: 2561451

6.419%

$1,971 Fees & Points $5,877 Total
0.947 Pts ($3,030)
$2,847 Fees

$0 Lender Fee. Never pay lender fee's with Deco!
Same Day Pre-Qualification (As fast as 30 minutes).
Single Point of Contact: Paired with your own mortgage professional.

Refi.com
NMLS ID: 1907
License#: North Carolina

6.440%

$1,997 Fees & Points $2,202 Total
0.688 Pts ($2,202)
$0 Fees

Lower your monthly mortgage payment with a streamlined refinance
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals

Sage Home Loan Corporation
NMLS ID: 3304

6.481%

$1,997 Fees & Points $3,561 Total
0.646 Pts ($2,067)
$1,494 Fees

Your Stress-Free Pathway

SoFi
NMLS ID: 696891

6.743%

$2,049 Fees & Points $3,917 Total
0.757 Pts ($2,422)
$1,495 Fees

Get pre-qualified in minutes
Simple, online application
Customize your monthly payment to fit your budget

loanDepot
NMLS ID: 174457

6.754%

$2,049 Fees & Points $4,268 Total
0.804 Pts ($2,573)
$1,695 Fees

Lock in before rates rise

Veterans United Home Loans
NMLS ID: 1907

Fees & Points Total
Pts ($0)
$0 Fees

Refinance to lower your rate
Free up room in your budget by paying off high-interest debt
Explore 350,000+ 5-star reviews

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: L-122757

Fees & Points Total
Pts ($0)
$0 Fees

Low rates, quick quote & approval
92% of clients discover savings in
Real savings, real fast - $1100 avg monthly savings

Allied Mortgage Group, Inc.
NMLS ID: 1067

Fees & Points Total
Pts ($0)
$0 Fees

Competitive interest rates
No Origination fee
Soft credit pre-approvals offered

Beeline Loans, Inc.
NMLS ID: 1799947

Fees & Points Total
Pts ($0)
$0 Fees

Apply in less than 10 minutes.
Fast, stress-free closing in as little as 16 days
More loan types so you’re more likely to qualify

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

State Employees' Credit Union : Murphy

Deposit Rates - June 02, 2026

Featured Home Equity Rates in North Carolina

Featured 30-Year Fixed Mortgage Rates in North Carolina

Nearby Branches of STATE EMPLOYEES'

Other Nearby Credit Unions to Consider