Check out our many online and mobile services and enroll in Member Access today! Use the card as little as possible, and make every attempt to pay off the balance every month. ... tracks your history of bouncing checks, when opening an account. SECU will not ask for personal information such as online credentials, Summer Cash Calculator If that doesn't apply to you, check out our comprehensive list of employee partners to see if you are eligible for membership. To become a member of State Employees Credit Union, a Members Savings Account is required. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. And once a member, you're a member for life. Balances earn 0.75% annually and no service charge is applied to the account. State Employees' Credit Union of North Carolina has a comprehensive selection of banking, loan, credit card, insurance, and investing products and services, all under one roof. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. You can request a credit line increase through Member Access, at your local branch or by calling our 24/7 Member Services. SECU currently prefers a maximum debt-to-income (DTI) ratio of 43%. Store-issued credit cards do offer benefits that come in handy at Christmas time, like discount coupons and free gift wrapping, but beware: store cards tend to come with pretty high interest rates. To be eligible for a State Employees’ Credit Union credit card, you need to live in North Carolina, South Carolina, Georgia, Tennessee or Virginia and be a current or retired state of North Carolina employee, public school employee or county department employee or be a member of the North Carolina National Guard. Log in to your State ECU Online Banking account to manage your credit card activity, 24/7. SDFCU is a not-for-profit financial services provider serving over 80,000 members worldwide. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. A lender's average origination fee compared with the median of all lenders reporting under the Home Mortgage Disclosure Act. If you are using a screen reader and are having problems using this website, please call (888) 732-8562 for assistance. Credit Cards 101 Best Credit Cards of 2020 Rewards Cards 101 Best Rewards Credit Cards Credit Card Reviews Banking. After that APR is as low as 9.15% to 17.15% variable. You’ll pay a $25 minimum opening deposit and keep a minimum balance of the same. ID Navigator Powered by NortonLifeLock helps provide you with tools so you can act quickly. Because SECU is a credit union, you must first qualify to join as a member before you can open an account. What are chip cards? Learn More about ID Navigator Powered by NortonLifeLock ». For immediate assistance, contact our 24/7 Member Services at, Please be advised that State Employees' Credit Union is only responsible for the content we post to our social media sites. When evaluating offers, please review the financial institution’s Terms and Conditions. State Employees Credit Union offers cash bonuses for new checking customers from time to time. A share account is a savings account that offers competitive interest rates and federal insurance protection, the share account is the beginning of a healthy savings plan. Check out State ECU’s Visa credit card. Press Releases, ©var date = new Date();document.write(date.getFullYear()); State Employees' Credit Union. Explore eligibility requirements, challenges that may arise when opening an account, and key questions to ask a financial institution prior … ... Credit card. Pre-qualified offers are not binding. Frequently Asked Questions. Conventional loans have a maximum 100% loan-to-value (LTV). Checkbook Balancing Focused on helping teens develop solid money management skills, the Zard program offers teens a variety of products and services tailored to meet their needs. Print and review a Loan Information Checklist before requesting a loan at your local branch. Fill in the application form. Take control of your card with Card Valet. How do you know if you're eligible to join Oklahoma's Credit Union? Already have a State ECU credit card? ... a credit union or bank), essential financial concepts, and how to project costs and establish product pricing for your start-up business. For more detailed information, please review our. If you are using a screen reader and are having problems using this website, please call (888) 732-8562 for assistance. This agreement is a contract that establishes the rules covering access to, and transactions performed through, Credit Card Online for your credit card account(s) with Vermont State Employees Credit Union (“VSECU”). Effective: January 11, 2018. How to apply for State Employees Credit Union Visa Credit Card. Just tell us some details and see which card matches your needs most. A chip card - also called a smart card or an … Upgrade your swiping power with a Platinum Rewards MasterCard ® Credit Card and get 0.00% APR 1 for 12 months, plus 5,000 bonus points. Account Details APR Updated; SECU Visa Credit Card: 9.75%. No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. Great Low Rate of 7.75% Variable APR Thank you for … ... See the applicable agreement for your account on liability and reporting requirements for unauthorized transactions. Check the information is accurate and submit your application. In order to establish membership with State Employees' Credit Union, an individual is required to open a share account first. Visa ® Credit Card Cash Advance The Credit Union provides quick, easy and immediate access to your available line of credit on your SECU Visa ® Credit Card. Don’t misuse college loan money. This is a real danger zone. State Employees Credit Union’s CD rates are 78% higher than the national average, and it boasts an A+ health rating. The embedded computer chip provides more security and wider international acceptance. 7.75% Variable APR1,2 applies to purchases, cash advances, and balance transfers. SECU Visa ® Credit Card Thank you for your interest in our Visa Credit Card program. Read the Credit Card Consumer Agreement here. When evaluating offers, please review the financial institution’s Terms and Conditions. A minimum $25 is required to open a Share account and a $25 balance must be maintained. Bank of America® Premium Rewards® credit card. Transfer your high interest loan and credit card balances with no balance transfer fees. Credit line increases are permitted for existing credit cards regardless of the state in which you currently reside. NerdWallet strives to keep its information accurate and up to date. Credit line increases are permitted for existing credit cards regardless of the state in which you currently reside. Transfer your high interest loan and credit card balances with no balance transfer fees. Credit card accounts can be used as overdraft protection for SECU checking accounts. The right credit card, used properly, is a great way to build credit, which will set you up for financial success in the future. State Employees’ Credit Union is a members-only credit union open to past and present state employees, public school employees, or N.C. National Guard members and their families. If you make a purchase, be sure to pay off your balance before the next billing cycle starts, otherwise you’re going to pay significantly more for your gifts than you intended. Apply Now ... Like most credit unions, you’re required to open a share account to establish a relationship with SECU. In this Agreement, the words “you,” “your,” and “yours” mean those who request and use the … CONTROL YOUR CARD. Credit Card? The SECU Foundation promotes local and community development by primarily funding high impact projects in the areas of housing, education, healthcare and human services. It also prevents the credit union from having to run a credit check or denying you based on your credit score. For more detailed … In the effort of continuing to educate our youth on financial responsibility, State Employees' Credit Union offers members ages 13-19 the opportunity to participate in our Zard program for teens. State Employees Credit Union Credit Card Interest Rates. CREDIT CARD ONLINE AGREEMENT. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Checking Account Bonuses. We believe everyone should be able to make financial decisions with confidence. Write a State Employees Credit Union Review It only takes less than a minute! Sign Into Member Access. You might still be able to open an account that … If you currently have an SECU Visa Credit Card, you may request an advance online through Member Access, Mobile Access, SECU’s Mobile App, or at an ATM, in a branch, or by calling our 24/7 Member Services. 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