Products and services offered through SECU Financial Advisory Services, including retirement planning, investment advice, insurance, estate and trust services, and education planning, are not insured by NCUA, are not deposits or obligations of SECU, and may involve investment risk, including possible loss of principal. Members should consult applicable product disclosures and agreements for detailed information.
- SECU employees may be dual employees of Credit Union Investment Services, Inc. (“CUIS”), a wholly owned subsidiary of SECU and a North Carolina registered investment adviser, and offer products and services of CUIS to SECU members. SECU employees may also be Trust Representatives or Trust Officers who offer trust and estate planning resources, education, and services to SECU members through Members Trust Company (“MTC”). MTC is not an affiliate of SECU or CUIS.
- 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.
- State Employees’ Credit Union (“SECU” or the “Credit Union”), through Members Trust Company (“MTC”), offers estate planning resources and education to members. The Credit Union and MTC do not provide legal advice or services and are not responsible for the services provided by the participating attorneys or other independent professionals. Credit Union members generally may use a participating attorney through the Program, or select their own independent attorney outside of the Program.
- Investment advisory services and financial planning offered through Credit Union Investment Services, Inc (CUIS). Securities offered through SECU Brokerage Services, Inc. Member FINRA/SIPC. Securities products are not credit union deposits, are not obligations of or guaranteed by State Employees’ Credit Union (SECU) or its affiliates. They are not insured by the NCUA or any federal government agency. Securities products involve investment risks, including possible loss of principal invested. CUIS financial advisors are also SECU employees, who may accept deposits.
- Trust Services offered through Members Trust Company, a federal thrift regulated by the Office of the Comptroller of the Currency. Trust products are not Credit Union deposits, are not insured by the NCUA or any other federal government agency, are not obligations of or guaranteed by the Credit Union, Members Trust Company or any affiliated entity, and involve investment risks, including the possible loss of principal. For legal or tax advice, consult your attorney and/or tax professional.
- Members should consult a tax advisor for information about potential tax benefits and liability related to education planning. Members should consult their own attorney or tax advisor regarding the tax consequences specific to education planning.
