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Routing Number: 253177049

Stay ahead with smart savings

Earn 4.40% APY1 for 12 months with a Share Term Certificate (STC) Account and get a fixed-rate term for reliable growth.

Learn more

View the new version of our Account Rules and Regulations disclosure, effective March 10, 2025.

How can we help you?

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Start here to meet your savings goals

Open a Share Account to establish SECU membership, grow your savings, and gain access to a wide range of products and services.

Join SECU Learn more

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Manage your money and everyday expenses

Access your money where and when you need it and earn dividends with an SECU Checking Account. Move money, pay bills, set up account alerts, and more.

Open account Learn more

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Get spending confidence from your trusted Credit Union

An SECU Visa Credit Card is a top choice for purchases and balance transfers. Plus, convenience and security features come standard.

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Gain financial flexibility so you can find a path forward

Explore a range of options that fit your budget, timeline, and goals. Members get competitive rates and outstanding personalized support.

Apply now Learn more

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Find the right mortgage from a lender you can trust

Confidently navigate choices, whether you’re buying a first home, refinancing, or tapping into equity. Members get the care and support they need to put home goals into focus.

Apply now Learn more

Why choose SECU?

We’re a cooperative owned by you, our members

As a not-for-profit member-owned cooperative, we are focused on providing you with the best products and services for your financial success. 

We’ve been a trusted financial provider since 1937

Grounded in the credit union philosophy of People Helping People®, SECU is committed to meeting the needs of our members and communities. That commitment will never change.

We’re here every step of the way

We provide products and services designed for every stage of your financial journey.

See membership eligibility
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We want to support you in the aftermath of the storm

We have several resources available to help those who have been affected.

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A more confident way to buy a car

SECU is here before you start shopping and after you drive off the lot. Learn more about your auto options.

  • Competitive auto loans

    With quick pre-approval, you know your budget before you go shopping.2

  • Customizable auto insurance

    We'll tailor your coverage to fit your needs and help protect your vehicle and assets.3

Apply for an auto loan Get auto insurance

Hear from our members

Members share how we’re serving our members and communities of North Carolina.

“I appreciate the care you take with me and my family. My son was able to get the best interest rate on a car loan through SECU. Joining your credit union was the best financial decision our family has ever made. Thank you!”

“SECU has provided me with financial security, but more importantly, people who kindly and wisely answer questions and help me navigate all financial situations. SECU is one of the very best aspects of being a retired schoolteacher.’’

“SECU is truly a community- and member-focused organization. My family has lived in multiple North Carolina locations, and every branch has been wonderful.’’

$57 billion
in assets
2.8 million
members
275
branch locations
1,100
ATMs

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“Best Credit Union for Mobile Banking 2022-2023”
Money.com
“Best Credit Union, Mountain Xpress”
2022 Best of WNC Awards
“Best-in-State Credit Unions in North Carolina”
2018-2023, Forbes Magazine

 

  1. APY = Annual Percentage Yield. APY is accurate as of 1/30/2025. The minimum balance to earn interest on Share Term Certificates (STCs) is $250. Interest accrues as simple daily interest. Rates are fixed for the term of certificate and are determined by the length of the term. Rates on new STCs are subject to change daily without notice. Penalties may apply for early withdrawal of funds. Fees may reduce the earnings on the account. Interest cannot remain on account and payout is mandatory for non-compounding STCs. Federally insured by NCUA.
  2. APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. Rates are subject to change prior to the completion of the loan. Your actual APR will be determined at the time of disbursement and may vary based on credit score, collateral, and loan terms. If you qualify, we can give you a quote for the current rate and most loan documents can be signed electronically. Members must be 18 years old or otherwise eligible for lending services to apply. Lending is limited to North Carolina, South Carolina, Georgia, Tennessee, and Virginia residents and titled vehicles. Other restrictions apply.
  3. Auto, home, and other personal lines of insurance are subject to underwriting. Insurance products are not guaranteed by, a deposit of, or an obligation of, any credit union and are not insured by NCUA or any other federal government agency. Insurance specialists are licensed to sell in North Carolina only.