State Employees Credit Union (SECU) of North Carolina is one of the nation’s premier credit unions, serving its employees and their families throughout North Carolina. Boasting over 39,000 members across its branches throughout North Carolina.
SECU offers traditional deposit accounts such as share certificates, savings accounts and money market accounts with attractive APYs, minimal fees and low minimum opening deposit requirements.
Online Banking
State Employees Credit Union (SECU) makes banking convenient from anywhere – be it home, on the move or somewhere in between! Their online banking services allow members to conduct many of the same transactions they would in a branch – you can even deposit checks through mobile apps! For accessing SECU’s online banking service visit Member Access.
Credit unions are non-profit financial cooperatives owned by their members that strive to serve the community with integrity and accountability. Credit unions provide consumers with financial products and services while offering lower fees than commercial banks.
SECU also established the SECU Foundation to foster local and community development by funding high impact projects related to housing, education, healthcare and human services. Funding for these initiatives comes directly from individual members – reinforcing SECU’s core concept as a member-owned credit union.
Mobile Banking
SECU offers its members an impressive selection of banking, credit card, and loan products – with competitive deposit accounts that offer low fees and no minimum balance requirements. Furthermore, SECU boasts an intuitive mobile platform and user-friendly website to enhance member experiences.
Members can utilize the online banking platform of SECU Credit Union to manage account activities and receive alerts, as well as call ASK SECU at 800-number for help, visit one of its branch locations or ATMs or just make use of online banking to manage account activities and receive alerts.
Membership to this company is open to those employed by the state of North Carolina, state agencies or departments, public schools or colleges as well as their family members, including family members of employees who qualify as beneficiaries. In addition, Financial Education programs and presentations are hosted at schools and community organizations as part of this membership service; mortgage programs for new and existing homeowners are also provided through Banking services provided by this company.
ATMs
Credit union ATMs often come equipped with free use and may save you money over traditional bank ATMs, as they usually come equipped with more secure features and more advanced security systems.
State Employees Credit Union of North Carolina is a financial cooperative offering banking, loan, credit card and insurance products. Ranked #34 on GOBankingRates’ Top 100 Banks list for 2019, membership is open to employees of North Carolina state agencies as well as public boards of education as well as their families.
SECU offers a basic checking account with no minimum balance and low fees, earning an attractive 0.05% APY and providing two fee-free overdraft days per year. Members also gain access to CashPoint ATMs across the state with their SECU Visa debit card.
Credit Cards
Credit union membership can help people save money on bank fees while giving members a voice in shaping the organization and helping shape its policies. Furthermore, unlike banks, credit unions are non-profit and do not make profits off services they provide customers.
State Employees Credit Union provides new accounts with an easy onboarding experience, with no minimum opening deposit requirement and competitive savings and share certificate rates. In addition, State Employees offers two fee-free days each year when nonsufficient funds occur on checking accounts as well as a highly rated mobile app that’s completely free for members to use.
State Employees Credit Union offers employees a strong working environment, according to reviews on CareerBliss. However, their salaries are below average among credit unions.
Loans
SECU provides fixed rate mortgage programs for the purchase or refinancing of primary residences, second homes and investment properties located in North Carolina, South Carolina, Virginia, Georgia and Tennessee unless otherwise restricted. Credit limits may differ based on your credit history while minimum debt-to-income ratio requirements of 43% apply – this indicates how much of your monthly income goes toward paying monthly expenses and debts; 3 auto loans do not extend credit for commercial vehicles with branded titles (flooded, salvaged or reconstructed); 4 home equity lines have an initial draw period before regular payments commence thereafter;
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