State Employees Credit Union – Asheville NC

State Employees Credit Union of Asheville NC offers its members many excellent banking services, such as inexpensive overdraft alternatives and competitive APYs on certificates at competitive APYs; furthermore it has low minimum deposit requirements.

Though thriving, this credit union has not experienced as fast of growth. A potential factor could be that they do not provide small business loans.

Member-Owned Credit Union

Credit unions are member-owned, giving you direct control (whereas bank customers do not). That means you have a vote for the board of directors and influence policies. Plus, many credit unions partner with local charities and small businesses to provide vital community services.

Credit unions make decisions that better match their banking members’ needs than would a bank, saving you money on fees and interest rates while helping improve your financial health. Furthermore, many federal and state-chartered credit unions are insured by the National Credit Union Share Insurance Fund which is backed by the full faith and credit of the United States government.

Low Fees

State Employees’ Credit Union offers its members more than just competitive dividend rates – they also benefit from low fees and convenient services, like overdraft protection services that do not levy fees for checking accounts held there.

Credit union savings accounts don’t charge monthly maintenance fees and offer various Share Term Certificates (STCs) with terms from six months to five years.

Membership to North Carolina Credit Union is open to employees of State of North Carolina agencies as well as their families, as well as taking advantage of its 140 branch offices, 700 ATMs, and call center.

Member Benefits

State Employees Credit Union provides more than just online banking: we also offer mortgage and auto loans, checking accounts and savings accounts that members can utilize anywhere – even while traveling!

The Credit Union is a member-owned, non-profit financial cooperative dedicated to serving its members and the communities it serves in Western North Carolina. Members benefit from this philosophy with low loan rates and higher savings rates than many banks can offer – made possible by an ownership system which returns profit from loans back into owners’ pockets. Furthermore, The Credit Union promotes community development initiatives.

Online Banking

State Employees Credit Union offers an easy, accessible mobile app for you to easily manage your accounts at any time, anywhere. Deposit checks securely, transfer funds between accounts, and make loan payments on the go while keeping an eye on balances, notifications and nearby ATMs – all from one convenient spot!

Established in 1935, State Employees Credit Union is a member-owned financial institution offering consumer financial services. Members may access their accounts via online banking, mobile app banking, phone banking, ATM access or visiting one of its branches.

Credit unions have an unwavering commitment to community service and education. Their work includes supporting local schools, taking part in fundraising events for community causes and offering financial education for members and the wider public.

Mobile Banking

Credit unions offer you more control over how your financial institution is run and can offer lower fees and interest rates, with lower membership fees and rates than banks or savings and loan associations. Before joining one, be sure to find out whether it’s federally insured by calling them directly or checking its website for an NCUA logo.

Being part of a member-owned credit union provides another advantage – being able to tailor services specifically for you! This may mean offering better mobile banking apps or easier international banking, or helping with debt relief with personal loans or providing free financial counseling services.

ATMs

Credit union ATMs offer numerous advantages over traditional bank ATMs. Beyond being fee-free, many of them also feature advanced banking features and capabilities to ensure members can easily access funds and complete transactions from anywhere across the nation.

SECU Maryland Baltimore Chadwick Branch 7173 Security Boulevard Baltimore, Maryland 21244-0625 is open today from 9:00 am – 3:00 pm for Lobby hours and 8:30 am – 5:00 pm for Drive Up hours.

Credit union offers both conventional fixed and adjustable rate mortgage loans, along with home equity lines of credit (HELOCs). New members who purchase primary, secondary or investment properties receive closing costs advances on closing.