Learn more about State Employees’ Credit Union, our eligibility requirements, and how to join.
SECU (State Employees' Credit Union) has been helping people make better decisions about their money since 1937. With nearly 2.8 million members, $56 billion in assets, 275 branch locations, and over 8,000 dedicated employees, we’re the second largest credit union in the United States.
As a not-for-profit credit union, we’re owned by our members. Our focus is to help you succeed through financial tools, services, and community support.
SECU believes in the power of community. We’re dedicated to building meaningful relationships and making a positive difference in the lives of members and our communities.
$56 billion 2.8 million branch locationsSECU membership is open to people employed through the State of North Carolina, related entities, and their family members. Review the requirements below to determine whether you are eligible to join SECU.
Still not sure if you’re eligible? Chat with Member Services Support at (888) 732-8562.
If you meet our eligibility requirements, follow these steps to join:
Like other financial institutions, a credit union accepts deposits and makes loans, but we are not in business to make a profit.
Most banks and savings and loans are owned by a group of stockholders whose interests include earning a healthy return on their investments. In contrast, credit unions are not-for-profit cooperative financial institutions owned by their members.
To be a member of the State Employees' Credit Union, you must meet the eligibility requirements above.
Membership in the Credit Union is obtained by opening a share account with a minimum deposit of $25. Deposits consist of shares that have a face value of $5 each. At least five shares must be purchased initially to obtain membership. Only one share is required for initial membership for children under 13 years of age.
Yes, immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships) of current members are eligible for SECU membership.
There is no minimum amount required to open a Credit Union Checking Account or earn the stated dividend rate, however a Share Account must be opened before a Checking Account can be established. Once an account is open, sufficient funds must be maintained in the account to cover the $1 monthly maintenance fee and other authorized charges (debits, checks ordered, stop payments placed, etc.).
The Credit Union is committed to offering members low-cost financial services. Fees are subject to change daily and we will provide notice of any changes as required by law or regulation. Our current service fees may be found under Fees.
Member accounts are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is administered by NCUA and insures member deposits in all federal credit unions nationwide as well as in qualifying state-chartered credit unions, such as SECU.
The standard NCUA share insurance coverage amount is $250,000 per share account owner, per insured credit union, for each account ownership category.
You can enjoy the convenience, security, and prompt delivery of your paycheck through direct deposit and avoid the hassle of mailing checks monthly by establishing automatic drafts from your Checking Account.
As part of our commitment to provide convenient, low-cost financial services, the credit union offers a competitive credit card program.
To accommodate members who have an urgent need to send money fast, the Credit Union offers Wire Transfer services.
SECU offers Investment Accounts through Credit Union Investment Services, a wholly-owned subsidiary of SECU. Investment advisory services and retirement planning offered through Credit Union Investment Services. Securities offered through SECU Brokerage Services. Member FINRA, SIPC. Securities products are not Credit Union deposits. They are not obligations of or guaranteed by a Credit Union or its affiliates. They are not insured by the NCUA or any federal government agency. Securities products involve investment risks, including possible loss of principal. Investment representatives are also Credit Union employees, who may accept deposits.
Contact Member Services Support for assistance.
State Employees’ Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only. As a service to our members, we will attempt to assist those who have limited English proficiency where possible.
SECU will not ask for personal information such as online credentials, account numbers, or card numbers via email, voice or text messaging.
©2024 State Employees' Credit Union
You are now leaving the Credit Union website. The website you are entering is not affiliated with or controlled by the Credit Union and may have different terms, conditions and privacy and security policies than the Credit Union. The Credit Union does not provide, guarantee, endorse, or assume responsibility for any content, products or services that may be provided by the website you are entering. If you decide to access this website, you do so entirely at your own risk and subject to the terms and conditions of use on such website.
Please be advised that State Employees' Credit Union is responsible for the content we post to our social media sites. For more detailed information, please review our Terms of Use: Website and Social Media Accounts.
You are now leaving the Credit Union website. The website you are entering is not affiliated with or controlled by the Credit Union and may have different terms, conditions and privacy and security policies than the Credit Union. The Credit Union does not provide, guarantee, endorse, or assume responsibility for any content, products or services that may be provided by the website you are entering. If you decide to access this website, you do so entirely at your own risk and subject to the terms and conditions of use on such website.
The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending are available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the consumer Financial Protection Bureau's website (www.consumerfinance.gov/hmda). HMDA data for many other Financial institutions are also available at this website.
You are now leaving the Credit Union website. The website you are entering is not affiliated with or controlled by the Credit Union and may have different terms, conditions and privacy and security policies than the Credit Union. The Credit Union does not provide, guarantee, endorse, or assume responsibility for any content, products or services that may be provided by the website you are entering. If you decide to access this website, you do so entirely at your own risk and subject to the terms and conditions of use on such website.
The website you are accessing is for clients of Credit Union Investment Services, Inc. (CUIS), an Investment Adviser registered with the State of North Carolina. CUIS offers investment advisory services to North Carolina residents. Securities are offered through SECU Brokerage Services, Inc., Member FINRA / SIPC. Investments are not NCUA insured, are not guaranteed by or obligations of any credit union or its affiliates, and may lose value including the principal amount invested.
The website you are accessing is maintained by a third party that CUIS has engaged to provide online access (the CUIS Portal) to information about your investment accounts with CUIS. The third party’s website presents its own terms, conditions and privacy and security policies, which may differ from those of the Credit Union.
If you have not yet registered for the CUIS Client Portal, please contact your investment representative or our Financial Advisory Services Contact Center at (800) 451-5467 so that we may invite you to register.
