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Credit union · NCUA insured

State Employees' Credit Union

Top Carrot, Carrot Score 94Top Carrot

A $59.8B credit union, the 2nd largest of 4,329, headquartered in Raleigh, NC, with 2.98 million members and 275 branches in North Carolina. Best rates: CDs 4.30% and savings 2.20% APY.

State Employees' Credit Union Carrot Score

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Higher than 95% of U.S. banks and credit unions

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#7 of 32 in Raleigh, NC metroHow the score works →

Deposits are federally insured by the NCUA up to $250,000 per depositor.

About State Employees' Credit Union

Founded in Raleigh in 1937, State Employees' Credit Union is a member-owned not-for-profit financial cooperative.

SECU operates across all 100 North Carolina counties, serving 3 million members through 275 branch locations and over 1,000 ATMs.

Headquarters
119 N Salisbury St, Raleigh, NC 27603
NCUA charter
66310
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Membership

Who can join

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Active (including part-time) and former employees of BCBSNC Credit Union are eligible for membership.
  • Active (including part-time) and former employees of Blue Cross Blue Shield of North Carolina, Inc. are eligible for membership.
  • Active (including part-time) and former employees of any subsidiary organization of Blue Cross Blue Shield of North Carolina, Inc. are eligible for membership.
  • Active (including part-time) and former employees of Cahaba Benefit Administrators, a division of Blue Cross and Blue Shield of Alabama (located in NC), are eligible for membership.
  • Active (including part-time) and former employees of Manpower Group who work at BCBSNC are eligible for membership.
  • Active (including part-time) and former employees of Palmetto Government Business Administrators, a division of Blue Cross Blue Shield of South Carolina (located in NC), are eligible for membership.
12 more ways to join

Employers and groups

  • Active (including part-time) and former employees of Topaz Shared Services, Durham, NC are eligible for membership.

Military, government and schools

  • Employees of federal agencies assigned to North Carolina state agencies are eligible for membership.
  • Employees of North Carolina public boards of education are eligible for membership.
  • Employees of North Carolina county departments of Social Services, Health, Mental Health, and Civil Defense (i.e., Emergency Management) are eligible for membership.
  • Employees of associations formed for the benefit of state of North Carolina employees (e.g., State Employees Association of North Carolina) are eligible for membership.
  • Members of the North Carolina National Guard are eligible for membership.
  • Employees of agencies or departments whose employees are otherwise subject to the North Carolina State Personnel Act (now known as the North Carolina Human Resources Act), with certain exclusions, are eligible for membership.
  • Employees of the state of North Carolina are eligible for membership.
  • Individuals retired as pensioners and/or annuitants from qualifying state, education, county department, association, assigned federal, or National Guard employment or service are eligible for membership.

Family and household

  • Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships) of an existing member are eligible for membership.
  • Persons living in the same residence maintaining a single economic unit with a current member are eligible for membership.
  • Un-remarried spouses of persons who died while in the field of membership are eligible for membership.

Cost to join

  • Membership requires opening a share account with a minimum deposit of $25 (at least five shares at $5 each), or $5 (one share) for children under 13 years of age.

Branches

275 branches in North Carolina

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Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.