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Routing Number: 253177049

Get up to $1,500 at closing

Lower upfront cash-to-close requirements with a closing cost credit on new and refinanced mortgage loans.1

Start application Mortgage options

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.2

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.

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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Extend your first auto loan payment

Get a new or used vehicle loan and extend your first payment for up to 90 days.4

Estimate rate Start application

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.’’

$60 billion
in assets
3 million
members
275
branch locations
1,100
ATMs

Related resources

  • Cash Rewards, Points Rewards and Classic Credit Card

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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. For a limited time. Terms and conditions apply. Subject to credit approval. Offer available on eligible first mortgage loans. Application must be received by October 31, 2026. Credit is applied toward closing costs at closing; any amount exceeding closing costs will be applied as a reduction of loan principal and will not be paid to the borrower in cash. Applicants must be at least 18 years old or otherwise eligible for lending services. Property must be located in North Carolina, South Carolina, Georgia, Tennessee, or Virginia. Additional restrictions may apply. 
  2. Terms and conditions apply. See SECU’s Fees and Terms for more information.
  3. View the official rules for FAT CAT and Zard. Terms and conditions apply.
  4. Interest begins to accrue from the date of loan origination. The option to extend the first loan payment up to 90 days from the date of origination is only available for new and used vehicle loans originated between June 15, 2026, and September 15, 2026, including loans originated through SECU’s Auto Power program provided the vehicle is purchased between December 1, 2025, and January 15, 2026. This option is not available for refinancing of any existing SECU vehicle loan.