State Employees Credit Union of North Carolina is a not-for-profit financial cooperative established to serve employees of North Carolina state government and their families with consumer financial services. As the second largest credit union in America by membership and assets, it offers consumer financial products at competitive prices.
SECU provides low checking fees and two fee-free days of overdraft protection each year, in addition to multiple mortgage programs designed specifically to assist first-time homebuyers.
Branches
State Employees Credit Union can be found all throughout North Carolina and is regulated by the State Division of Financial Services, offering checking accounts, savings accounts, loans and investment options – along with online banking and mobile apps that make accessing accounts convenient.
State Employees Credit Union’s Jacksonville – Western Blvd branch banking office can be found in Jacksonvilleville North Carolina under zip code 28540 and has earned a 4.1 rating from Bankrate.com.
The National Credit Union Administration requires all NCUSIF-insured credit unions to submit quarterly data reports with details regarding deposit and loan rates.
Checking Accounts
State Employees Credit Union (SECU), founded in 1937, primarily caters to employees of North Carolina state government and their families. Offering robust ATM and branch networks throughout North Carolina as well as competitive savings account rates with minimal fees structure, SECU also offers checking and money market accounts with low fee structures.
SECU offers two accounts that provide basic checking: low annual percentage yield but free and equipped with debit card, online bill pay and 50 checks each statement cycle; as well as money market accounts which offer higher APY but require larger initial deposits with minimal fees attached to them.
Members have access to their accounts online through the member website, with features like check image viewing and Quicken financial management integration as well as taking advantage of a mobile app optimized for smartphones and tablets. In addition, members can take advantage of coin sorting and safe deposit boxes which are all offered on this platform.
Savings Accounts
State Employees’ Credit Union was established in 1937 to primarily serve people working for North Carolina state government and their families, offering personal banking, credit card and investment products such as share certificates, money market accounts and basic savings accounts at competitive interest rates; along with low fees checking accounts offering two fee-free days of overdraft transfers each year and education and health savings accounts that offer tax advantages when saving funds for education or medical expenses.
Credit union offers an array of online and mobile banking services for members, such as bill pay, check image viewing, Quicken financial management integration and transaction history monitoring. Their mobile app is highly rated on both Apple’s App Store and Google Play stores; customer support can be reached via live chat or an open call center which operates five days per week; additionally they have self-service capabilities on the website and an ATM network with over 400 CashPoint locations available to them.
Loans
Credit union membership provides access to numerous lending solutions for members, such as auto loans, personal loans, home equity loans and credit cards. Furthermore, it offers a free mobile app which enables members to check balances, make transfers and pay bills online as well as 24/7 Member Services support line.
State Employees Credit Union offers several mortgage programs designed to assist first-time homebuyers, such as its special 5-year adjustable-rate mortgage (ARM) program and first-time homeowner loans, that are tailored specifically for this market segment. Members in North Carolina as well as some other states are eligible for these mortgage programs.
State Employees Credit Union of North Carolina is a not-for-profit financial institution designed to meet the needs of people employed with North Carolina state government, as well as their families. With its extensive ATM and branch network within North Carolina and low fees and competitive APYs for savings and money market accounts; as well as offering an overdraft alternative for checking accounts – but only open to people connected through employment to state.
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