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Membership Questions

How is a Credit Union different from a bank?
Who can join the Credit Union?
Why do I have to have a share account, I only want checking?
Are my deposits insured?
What is the minimum amount required to open a checking account at the Credit Union?
What are the service fees for my accounts?
Can I set up a direct deposit or automated draft from my account?
How do I apply for a loan?
Does the Credit Union have a credit card program?
Can I wire funds from my account to another institution?
Can I purchase US Savings Bonds through the Credit Union? Can I buy them online?
Does the Credit Union offer any type of investment accounts?
Does the Credit Union sell repossessed property?
Does the Credit Union sell insurance products?

How is a credit union different from a bank?
Like other financial institutions, the Credit Union accepts deposits and makes loans--but we are NOT in business to make a profit. Most banks and savings & loans are owned by groups of stockholders whose interests include earning a healthy return on their investments. Many stockholders do not even use the services of that institution. As a member of the Credit Union, you, along with other members, own and operate the State Employees' Credit Union.

Who can join the Credit Union?
To be a member of the State Employees' Credit Union, common bond eligibility requirements must be met.

Why do I have to have a share account, I only want checking?
Membership in the Credit Union is obtained by opening a Share account with a minimum deposit of $25. Deposits are actually shares that have a par value of $5 each. Therefore, at least 5 shares must be purchased initially to obtain membership. Only one share is required for initial membership for children under 13 years of age.

Are my deposits insured?
Member accounts are insured by the National Credit Union Share Insurance Fund (NCUSIF), a component of NCUA, which was established by Congress on October 19, 1970.

What is the minimum amount required to open a checking account at the Credit Union?
There is no minimum amount required to open a Credit Union checking account.

What are the service fees for my accounts?
The Credit Union prides itself in having low service fees. These fees are subject to change daily. Our current rates may be found under Rates and Fees.

Can I set up a direct deposit or automated draft from my account?
Members can enjoy the convenience, security, and prompt delivery of direct deposit and avoid the hassle of mailing checks monthly by establishing electronic debits and credits.

How do I apply for a loan?
Members can apply for a loan at a local branch, by contacting the Contact Center, or online in Member Access.

Does the Credit Union have a credit card program?
As part of our commitment to provide convenient, low cost financial services, the credit union offers a competitive credit card program.

Can I wire funds from my account to another institution?
To accommodate members who occasionally have an urgent need to send money fast, the Credit Union offers wire transfer services.

Can I purchase US Savings Bonds through the Credit Union? Can I buy them online?
United States Savings Bonds may be redeemed at any of our SECU branch locations and/or may be purchased directly from the US Treasury at Treasury Direct.

Does the Credit Union offer any type of investment accounts?
SECU offers investment services through our affiliate Credit Union Investment Services.

Investment Advisory Services offered through Credit Union Investment Services to North Carolina residents.  Securities offered through SECU Brokerage Services. Member FINRA / SIPC. Securities are not credit union deposits and are not insured by the NCUA or any federal government agency. They are not obligations of, or guaranteed by, a credit union or its affiliates, and are subject to investment risks, including possible loss of principal.

Does the Credit Union sell repossessed property?
Repossessed properties for sale are listed in each branch.

Does the Credit Union sell insurance products?
The Credit Union wants to provide members with a single source for financial services. In addition to deposit accounts, loan products, investments and budgeting, the Credit Union offers a variety of insurance products to protect members' assets.

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Member Access Questions

What is Member Access?
Is there a charge for using Member Access?
How do I access my accounts online?
What if I have forgotten my Member Access password?
Are my online communications secured?
Can I view my checks online? What about monthly statements?
How do I set up Quicken to download my accounts?
Can I access my accounts using Quicken?

What is Member Access?
Members of State Employees' Credit Union can access account information via the Internet using Member Access.

Is there a charge for using Member Access?
No. Member access is a free service offered by the Credit Union.

How do I access my accounts online?
To sign on to Member Access, members must have a Credit Union debit card and an ASK SECU PIN.

What if I have forgotten my Member Access password?
Members who either forget their password or are locked out of Member Access can have their password reset by using our Forgotten Password feature located underneath the Sign On button or by contacting the Contact Center.

Are my online communications secured?
The Credit Union uses the latest industry standards to protect account information online. All account information is safe-guarded with SSL (Secure Socket Layer), 128-bit encryption and stringent firewall policies.

Can I view my checks online? What about monthly statements?
Check images and statement images are available in Member Access.

How do I set up Quicken to download my accounts?
The Credit Union supports several versions of Quicken. Setup instructions are available for each.

Can I access my accounts using Quicken?
All checking, share, IRA, money market, certificate, personal loan, and mortgage loan accounts available through Member Access can be downloaded using Quicken.

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The Credit Union only uses Per-session cookies which are stored in memory and are only available during an active session, in other words, only while you are on our site. Per-session cookies do not permanently record data and are not stored on your computer’s hard drive. Per-session cookies do not give us access to anything else on your system, including any private information about you. Per-session cookies are cached (stored in memory) while you are visiting the Web site and are deleted from your cache when you leave our site. The Credit Union does not utilize persistent cookies, which are stored on your hard drive for a length of time set by the site.

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Contact Us


Will the Credit Union contact me by email?
The Credit Union will not contact members by email unless they request to be contacted in that manner. Member Access has a secure message system for online communications.

How can I contact the Credit Union?
The Credit Union can be contacted by mail, phone, email, or secure message. For numbers and addresses, refer to our Contact list.

Where can I find a nearby branch or ATM?
The location of branch offices and ATMs can be found using our online Locator.

*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.