State Employees Credit Union Goldsboro NC (SECU) primarily serves employees and their families employed with North Carolina state government and their dependents. SECU offers personal banking products including checking, savings, Money Market, Certificate and a basic savings account that earns competitive interest with no monthly service charges attached.
Customers can utilize our highly regarded mobile app to manage their accounts.
Checking
Credit unions offer checking accounts with various features and benefits. Their basic account, known as a share account, comes equipped with online bill pay, 50 checks per statement and debit card – as well as an attractive interest rate. In addition, savings accounts and money market accounts offer similar attractive rates of return without incurring monthly service charges or monthly service charges – they even provide tax incentives when saving for retirement! IRAs may also be offered by credit unions as tax-incentive vehicles for saving for retirement savings plans.
Members have access to their accounts through both a mobile banking app and website that are optimized for mobile devices, featuring bill pay, check image viewing, Quicken financial management integration and transaction history monitoring. In addition to web-based services, North Carolina State Employees Credit Union maintains branches across North Carolina with hundreds of ATMs for member access – with membership restricted solely to state employees and their families since 1937.
Savings
State Employees Credit Union, founded in 1937, is a North Carolina-based credit union offering personal banking products and services. With hundreds of branches throughout North Carolina and an ATM network through CashPoint partnerships, SECU also provides online banking services like bill pay, check image viewing, Quicken financial management integration, transaction history monitoring as well as traditional savings accounts with competitive interest rates as well as Money Market Certificate accounts and tax incentives.
Membership in North Carolina State Employees Credit Union is open to all state employees and their families living in North Carolina, offering basic savings accounts with no monthly service charges and low interest rates; low fees structure (with two fee-free days a year for overdraft transfers); mobile app; online banking options are also offered by this credit union.
Money Market
Credit union membership provides access to an array of deposit accounts, from savings and money market accounts, with competitive rates and reasonable fees, while members can save for retirement with its Individual Retirement Accounts (IRA).
State Employees’ CU boasts a network of convenient branches and fee-free ATMs across North Carolina. In addition, the credit union provides personal banking services, including checking and savings accounts as well as loans – plus it makes managing money from anywhere easy! Through their mobile app and online banking portal.
Credit union savings accounts offer competitive interest rates with no maintenance fees and two overdraft days free annually. Furthermore, money market accounts provide higher yields than regular savings accounts while providing greater flexibility than share term certificates.
Certificates
State Employees Credit Union is a not-for-profit financial institution offering its members access to an array of services. These include personal banking options such as checking, savings, Money Market and Certificate accounts as well as investments and lending options. Additionally, this credit union also offers investment and loan products and services.
People looking to earn higher interest rates can take advantage of the credit union’s Share Term Certificates (STCs). Similar to certificates of deposit, these accounts offer competitive and fixed interest rates over various terms ranging from six months up to 60 months and members can choose to ladder them, earning ever increasing amounts over time.
Members can utilize STCs to save for medical or school expenses and gain tax advantages at the same time, with low minimum balance requirements and no monthly service charges. Unfortunately, their APY is lower than other banks; additionally they cannot be used for checks or ACH transfers.
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