Our partners cannot pay us to guarantee favorable reviews of their products or services. A chip card - also called a smart card or an … 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. A minimum $25 is required to open a Share account and a $25 balance must be maintained. The embedded computer chip provides more security and wider international acceptance. Please be advised that State Employees' Credit Union is only responsible for the content we post to our social … Here is a list of our partners. Aug, 2019. 7.75% Variable APR1,2 applies to purchases, cash advances, and balance transfers. Bank of America® Premium Rewards® credit card. NerdWallet's ratings are determined by our editorial team. Because SECU is a credit union, you must first qualify to join as a member before you can open an account. CREDIT CARD ONLINE AGREEMENT. SECU will not ask for personal information such as online credentials, 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. The website you are entering is not affiliated with or controlled by the Credit Union and may have different terms, conditions and privacy and security policies than the Credit Union. State Department Federal Credit Union (SDFCU) membership comes with access to low loan rates, free checking, rewards and many exclusive services. 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. Pay no annual fee and keep more money in your pocket to spend how you want. It also prevents the credit union from having to run a credit check or denying you based on your credit score. 18  Once you’re a SECU member, setting up an account is relatively easy. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Here are the best credit cards from credit unions. Sometimes you have to open a checking plus savings account package to earn these bonuses. See our Overdraft Transfer Service page for more information. All financial products, shopping products and services are presented without warranty. 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. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. ... a credit union or bank), essential financial concepts, and how to project costs and establish product pricing for your start-up business. Visit the State Employees Credit Union Visa Credit Card website. 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. Pre-qualified offers are not binding. This is a real danger zone. account numbers or card numbers via email, voice or text messaging. Press Releases, ©var date = new Date();document.write(date.getFullYear()); State Employees' Credit Union. 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. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Members sign on access, review bank highlights and articles, check our loan rates and frequently visited links. State Employees Credit Union in Raleigh, North Carolina homepage. SECU Visa ® Credit Card Thank you for your interest in our Visa Credit Card program. Transfer your high interest loan and credit card balances with no balance transfer fees. Take control of your card with Card Valet. You can request a credit line increase through Member Access, at your local branch or by calling our 24/7 Member Services. "Tap to pay" is a feature on a contactless card that allows you to make payments with participating merchants at contactless-enabled checkout terminal. Cardholder Travel Information Debit Cards Visa ® Credit Card Visa ... BillPay Browser Requirements FICO ... State Employees' Credit Union. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. State Employees Credit Union’s CD rates are 78% higher than the national average, and it boasts an A+ health rating. To become a member of the State Employees Credit Union, you need to open a Share account. ... See the applicable agreement for your account on liability and reporting requirements for unauthorized transactions. So how do we make money? How to apply for State Employees Credit Union Visa Credit Card. In order to establish membership with State Employees' Credit Union, an individual is required to open a share account first. Credit Cards 101 Best Credit Cards of 2020 Rewards Cards 101 Best Rewards Credit Cards Credit Card Reviews Banking. N.C. State Employees' Credit Union earns 3 out of 5 stars on this factor. Write a State Employees Credit Union Review It only takes less than a minute! State Employees’ Credit Union Review: Checking, Savings and CDs SECU has more than 260 branches and more than 1,100 network ATMs in North Carolina, but membership is limited outside of the state. Learn More about ID Navigator Powered by NortonLifeLock ». SECU currently prefers a maximum debt-to-income (DTI) ratio of 43%. Credit Cards. 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. Apply Now Already have a Credit Union credit card and need additional buying power? Checking Account Bonuses. 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. Check the information is accurate and submit your application. 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. 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. A lender's average origination fee compared with the median of all lenders reporting under the Home Mortgage Disclosure Act. If you’ve had issues in the past, it’s wise to ask credit union staff about the requirements before you fill out an application. Monitor balances, transactions, turn your card(s) on or off with the click of button, and more. Summer Cash Calculator You may print the Loan Information Checklist, gather the requested information and apply for the credit card through our 24/7 Member Service at (888) 732-8562 or take it to your local branch. Best credit union credit cards of February 2021 Credit unions often offer competitive credit cards with better rates and fees than a typical bank. To become a member of State Employees Credit Union, a Members Savings Account is required. Sign Into Member Access. 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. More Like a License to Prosper. Checkbook Balancing Newsletters View pricing terms and disclosures here. Conventional loans have a maximum 100% loan-to-value (LTV). NerdWallet strives to keep its information accurate and up to date. 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. With offerings ranging from accounts for children to estate planning, this credit union might be the only financial institution you ever will need. ID Navigator Powered by NortonLifeLock helps provide you with tools so you can act quickly. Log in to your State ECU Online Banking account to manage your credit card activity, 24/7. Credit card accounts can be used as overdraft protection for SECU checking accounts. Great Low Rate of 7.75% Variable APR Use the card as little as possible, and make every attempt to pay off the balance every month. State Employees’ Credit Union Requirements. Credit line increases are permitted for existing credit cards regardless of the state in which you currently reside. SDFCU is a not-for-profit financial services provider serving over 80,000 members worldwide. ; SECU Visa ® credit card: 9.75 % of 7.75 % Variable more security and wider acceptance! 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