Also known as: SECU
State Employees' Credit Union is a state-chartered credit union headquartered in Raleigh, North Carolina. It is the second-largest credit union in the United States by assets. The credit union was founded in 1937 to serve state government employees in North Carolina and has since grown to become a major financial institution for that community.
State Employees' Credit Union is a member-owned, not-for-profit financial cooperative. It is insured by the State Employees' Credit Union's own insurance fund as well as carrying additional protection, which is distinct from NCUA insurance. North Carolina law provides a specific regulatory and insurance framework for this credit union. Depositors should verify the current insurance arrangements directly with the credit union.
Membership is restricted to employees of North Carolina state government agencies and public school systems, retirees from those bodies, and their immediate family members. This includes state university employees, community college staff, and other public-sector workers in North Carolina. The restriction means it is not available to most private-sector employees.
State Employees' Credit Union commonly offers checking and savings accounts, auto loans, mortgages, personal loans, and credit cards. Its auto loan rates and mortgage products are frequently cited as competitive within North Carolina. The credit union operates a large network of branches throughout the state and also provides full online and mobile banking services.
Because membership is limited to North Carolina public employees and their families, this credit union is highly relevant for that specific group. If you are a qualifying member, comparing its rates and products with other financial institutions before making borrowing or saving decisions is advisable.
Quick info
Credit Union
SECU
Not verified
NCUA-insured.
2026-06-06
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Savings; checking; auto loans; mortgages; personal loans; credit cards
Additional notes
Membership restricted to NC state government and public school employees and their immediate family members.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
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Source URLs
Date checked
2026-06-06
How do I make a complaint about State Employees' Credit Union?
Start with State Employees' Credit Union's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is State Employees' Credit Union regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find State Employees' Credit Union's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think State Employees' Credit Union has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a State Employees' Credit Union issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
Ask Fin gives you simple money tools for budgeting, spotting savings and building better money habits. General guidance only — not regulated financial advice.
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