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State Employees' Credit Union (NC)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.00%5-year CD60 Months Share Term Certificate
1.25%1-year CD12 Months Share Term Certificate
0.75%SavingsShare Accounts

Overview / Commentary
919-839-5000
119 N Salisbury St
Raleigh, NC 27603

State Employees’ Credit Union is a North Carolina-based, state chartered credit union, and one of the largest credit unions in the United States. It offers personal banking and loan products, as well as credit card and investment services to its membership, which consists of employees of the state of North Carolina and their employees.

SECU’s personal banking products include checking, savings, Money Market, Certificate, and Individual Retirement accounts. The credit union’s checking account offers a competitive interest rate and comes with a $1 per month maintenance fee that is automatically donated to the SECU Foundation. A debit card, online bill pay, and 50 checks per statement are included for free with the checking account. Education and health savings accounts are available and offer tax incentives on saving money for school and medical costs. SECU’s basic savings account is called a share account and offers a competitive rate of interest and no monthly service charges. The Money Market Share account is similar to the basic share account, but has higher minimum opening deposit and minimum balance requirements. Certificate accounts are available in term lengths ranging from 6 to 60 months and come with fixed interest rates. SECU also provides estate planning, insurance, and investment guidance and planning.

State Employees’ Credit Union online banking provides access to web-based banking services like bill pay, check image viewing, Quicken financial management integration, and transaction history monitoring. SECU has also optimized its website for mobile banking, making it convenient and easy for members to access and manage their accounts via a smartphone or tablet device. The credit union is part of the CashPoint ATM network, which is North Carolina’s largest ATM network.

SECU was founded in 1937 in Raleigh, North Carolina, where its headquarters remain today. The credit union operates hundreds of branches located across the state of North Carolina. Branches offer services like coin sorting, safe deposit boxes, savings bonds, and tax preparation.

Field of Membership Restrictions

Membership in State Employees' Credit Union is open to employees of the state of North Carolina, employees of public boards of education, Federal employees working with the North Carolina government, employees of associations formed for the benefit of state of North Carolina employees, County employees of Social Services, Health, Mental Health and Civil Defense, members of the North Carolina National Guard, and immediate family of current members.
See current membership details

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Great Customer Service at SECU

Recently while reviewing my bank accounbt with SECU I noticed that there were a couple online chanrges that I did not authorize. I immediately picked up the phone and called SECU customer service to explain the situation and find out more about the charges. The woman to assist was quick to go over the chrges on my account and determine what paperwork needed to be completed to file a claim for unauthorized charges to my checking account. She explained the process thouroghly and made sure I understood what would take place. Less than a week later the money was put back into my account and I had a new ATM card for the account at risk. It was a great customer service experience!

Great bank, terrible website

The State Employees Credit Union is a great financial institution. They have amazing customer service. Just recently, my son got his license. I decided since he would be going off on his pwn, he needed a debit card so needed to set up a checking account. We arrived at the branch and they took care of us right away. They were very nice, upfront, and let us know all the details. They kept my son engaged and encouraged him to ask questions. It only took about 10 min to set everything up. I was very pleased at how friendly, fast, and professional they were. I would recommend the SECU to anyone looking for a great financial institution. Years ago, I also set up my mother with an account with the credit union. She started a money market. This was before the crash of 2008-09. At the time, they had the best interest rates around and were paying 4.5% on their money market accounts. Once again, the process of doing this was smooth, fast, and professional. You can always count on having the best possible experience at the SECU.

My checking account at the NC State Employees Credit Union

I have been a member of the NC State Employees Credit Union for about 8 years now. I have a checking account with them as well as a savings account. I do not use my checking account often but I do use my savings. It is very convenient in that I can deposit money into my savings directly from my payroll check. Also, they are open until 5:30 Monday through Friday. That is helpful in that most people that are working for state or local agencies work until 5:00pm. This allows for not having to take off work or waste a lunch break on going to the bank. They utilize "Cash Points" ATMs which are located in many locations around my city as well as the entire state. You are never very far from an ATM, making it easy to have access to money when you need it. The only complaint I have is that their website and mobile banking isn't as friendly as some of the larger banks I have banked with. They don't offer mobile deposits which is something I utilize on a regular basis.

Love my Credit Union

I absolutely love the SECU. The people who work there are top notch. They take the time to make sure that every customer is well informed and satisfied with their service. There are reasonable loan rates and a nice variety of CD'a and checking, savings, and money market accounts available. Their online banking website is functional. I have never had any difficulty with it. I wish there were more branches around, but that has improved in the last year or so, and there are quite a few Cashpoint ATM's available, so I have not had any trouble getting to my money quickly when needed.

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Health
B+

Health Grade Components

Overall
NCUA #66310
Year Chartered1937
Employees6277
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD9.53%
Annual Interest Income$553.6MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$36.88B$33.79B
LoansQ2 2017vs Q2 2016$20.94B$19.20B
DepositsQ2 2017vs Q2 2016$33.73B$30.87B
Equity CapitalQ2 2017vs Q2 2016$2.83B$2.63B
Loan Loss AllowanceQ2 2017vs Q2 2016$228.4MM$224.3MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$325.8MM$293.5MM
Real Estate OwnedQ2 2017vs Q2 2016$7.5MM$9.5MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not State Employees' Credit Union (NC); we are a rate comparison website and cannot provide official rates or promotions.

State Employees' Credit Union (NC) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$25-IRA Savings - Variable Rate
1.51%$25-Coverdell Education Savings Account (CESA)
1.51%--Health Savings (HSA)
1.25%--Summer Cash
0.75%$25-Share Accounts
0.75%--Holiday Cash Club
0.75%--FAT CAT Share
0.75%$25-Z-Share

State Employees' Credit Union (NC) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$250-Money Market

State Employees' Credit Union (NC) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Checking (Share Draft)

State Employees' Credit Union (NC) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$250-60 Months Share Term Certificate
1.75%$250-36 Months Share Term Certificate
1.75%$250-48 Months Share Term Certificate
1.50%$250-24 Months Share Term Certificate
1.50%$250-30 Months Share Term Certificate
1.25%$250-12 Months Share Term Certificate
1.25%$250-18 Months Share Term Certificate
1.00%$250-6 Months Share Term Certificate
Locations

Availability