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Routing Number: 253177049

A safe, smart way to save

Our limited-time Special Share Term Certificate offers a 15-month term at 4.10% APY.1,2

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Personal Loan statements now include a “Total Interest Paid Prior Year” field. This may be helpful for tax preparation purposes if you paid interest on a qualified passenger vehicle loan.
Please consult a tax advisor to determine any potential deductible interest based on your individual circumstances.

How can we help you?

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Grow your savings

The first step to saving more starts here. Explore all the accounts that can help you reach your financial goals faster.3

Learn more Join SECU

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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.

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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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Get Term Life coverage in minutes

It's easier than ever to get an affordable Term Life policy. You could get coverage in as little as 15 minutes.4

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2026 Tax Prep Guide Spotlight

Get your guide to tax preparation

Learn about free and discounted tax preparation services, what account information you need to direct deposit your refund, and more.

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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
2.9 million
members
275
branch locations
1,100
ATMs

Related resources

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    Compare SECU Credit Cards

    Watch our video to help you choose the best SECU credit card for your needs.
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  • Man Looking at computer for rewards options

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    How To Claim Points Rewards

    Watch our tutorial on redeeming rewards with your Points Rewards Visa® Credit Card.
    Read article
View all learning resources
“Best Credit Unions in North Carolina for Member Service 2024”
Money.com
“2024 Plan Sponsor of the Year Total Retirement Offering”
PLANSPONSOR®
“Best-in-State Credit Unions in North Carolina”
2018-2024, Forbes Magazine

  1. 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. For any STC initially offered with a promotional or special rate and term that is designated to renew, the STC will automatically renew/convert to a 12-month STC at the then-offered rate.
  2. APY = Annual Percentage Yield. APY is accurate as of 1/29/2026.
  3. Terms and conditions apply. See SECU’s Fees and Terms for more information.
  4. Life insurance is offered through SECU Life Insurance Company. SECU Life Insurance Company is a wholly-owned subsidiary of State Employees’ Credit Union. Life insurance is not guaranteed by, a deposit of, or an obligation of any credit union and is not insured by NCUA or any other federal government agency. Insurance Representatives are licensed to sell in North Carolina only. Applications are subject to underwriting.