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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.

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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 cre​dit 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.

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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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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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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 cre​dit union was the best financial decision our family has ever made. Thank you!”

$57 billion
in assets
2.9 million
members
275
branch locations
1,100
ATMs

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    How To Claim Points Rewards

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“Best cre​dit Unions in North Carolina for Member Service 2024”
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  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’ cre​dit Union. Life insurance is not guaranteed by, a deposit of, or an obligation of any cre​dit 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.