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Routing Number: 253177049
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Lending Solutions

SECU is North Carolina’s leading real estate lender,* offering the support and resources you need to help find an affordable option. 

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Get the right loan without going it alone

A loan can be a life-changing financial decision. Get the support and resources you need to reach a new milestone.

  • Variety of loans

    Whether you need a home, auto, or personal loan, we can help you with an option that fits your goals, budget, and timeline.

  • Straightforward application process

    Apply online or at your local branch.

  • Trusted guidance

    Our lending professionals are non-incentivized and suggest loans that are matched to your budget, not for their financial gain.

What's your lending goal?

Home buying and refinancing

Find a loan that fits your budget and your goals with the help of a local mortgage specialist. We offer a range of options and can suggest solutions that meet your needs, whether you want to find an affordable interest rate, refinance to improve financial flexibility, or see if you qualify for a line of credit.

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Put your home’s equity to work

With a Home Equity Line of Credit (HELOC), the interest rate is often lower than unsecured types of credit. SECU’s HELOCs include unique features like borrowing up to 90% of your primary home’s value and no complicated rate buy-downs.

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Girl driving a car

A fast, smart way to finance your ride

Whether you’re in the market for a new or used vehicle, SECU helps you buy with confidence. We strive to offer competitive interest rates, flexible terms, quick pre-approvals, and lending service specialists who can assist you at every turn.

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Get the extra money you need

Explore loan options that fit your goals, timeline, and budget. We offer members great loan rates, so you can feel confident you made the right choice.

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#1 real estate lender*
in NC
2.8 million
members
275
branch locations
$55 billion
in assets

Hear from our members

Members share how we serve them with our personal approach to lending services.

“My husband and I were just talking last night about how easy this process has been with SECU. It really does pay to go with your local branch vs. a broker halfway across the U.S.”

Michelle, mortgage loan specialist

“SECU really took care of me. They didn’t just want to give me a loan and send me on my way. They worked with me to find the loan term and the rate that made sense for my situation and then walked me through the entire process: how to set up payments, what to expect, and how to use my new loan the right way. They empowered me to make a smarter decision for me. I’ve never been treated like that by a bank or anywhere else.’’

Linda, loan recipient

“What an awesome job helping my wife and I purchase a new vehicle over the weekend. On a holiday weekend, no less! You were able to complete my auto loan application while I was sitting at the dealership. The entire process took less than two hours!’’

John, auto loan recipient

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. SECU does not provide Home Equity Line of Credit (HELOC) loans to Tennessee residents. All loans subject to Credit Union underwriting standards. Terms and conditions apply.

 

*All data derived from publicly available Home Mortgage Disclosure Act (HMDA) data for 2024. All real estate loan applications analyzed excludes purchased loans and preapprovals.