State Employees’ Credit Union Credit Cards

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. Browse a selection of credit card offers from State Employees’ Credit Union below.

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State Employees’ Visa Credit Card

State Employees' Visa Credit Card
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
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None Annual Fee

State Employees’ Visa Credit Card

  • 13% variable based on the Prime Rate Regular Purchase APR
  • 13% variable based on the Prime Rate Balance Transfer APR
  • 13% variable based on the Prime Rate Cash Advance APR

At a Glance

The State Employees’ Credit Union Visa Credit Card is a no-fuss, low APR credit card that offers excellent interest rates. The card, available to current or former state employees in North Carolina, comes with an exceptional APR on purchases, balance transfers, and cash advances. The card also features no annual fee, no fees for balance transfers or cash advances, and no penalty APR.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No balance transfer fees
  • Great low APR rates apply to purchases, cash advances, and balance transfers
  • Regular Purchase APR: 13% variable based on the Prime Rate
  • Balance Transfer APR: 13% variable based on the Prime Rate
  • Cash Advance APR: 13% variable based on the Prime Rate
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $5
  • Return Payment Penalty Fee: Up to $5
  • You’re an existing member of State Employees’ Credit Union or live in the catchment area
  • You don’t care for introductory rates and instead prefer a great, low interest rate every day
  • You don’t want to pay annual fees
  • You don’t want to pay fees for balance transfers or cash advances

About State Employees Credit Union

State Employees Credit Union (SECU) is a North Carolina state-chartered credit union – and the second-largest natural member credit union in the United States. The credit union has its headquarters in Raleigh, NC, where it was founded nearly 90 years ago.

The history of State Employees CU dates to 1937 and 17 government employees at the North Carolina Agriculture Building in Raleigh. From just $437 in total assets in 1937, today, the credit union has over $40 billion in assets – and over two million members.

Who Can Join SECU?

As the second largest “natural member” credit union in the country, membership in SECU is open to employees of the State of North Carolina and their immediate families.

The following individuals and groups also qualify for membership:

  • Federal employees assigned to N.C. state agencies
  • Employees of public boards of education
  • Members of N.C. National Guard
  • County employees of Social Services, Health, Mental Health, and Civil Defense
  • Employees of agencies or departments whose employees are subject to the State Personnel Act
  • Employees of associations formed for the benefit of the state of North Carolina employees
  • Individuals who are retired from the above associations and are currently pensioners or annuitants of those associations (including those who are “vested”)
  • Immediate family members and household members of current members
  • Un-remarried spouses of members who died

Branch Locations

State Employees Credit Union currently operates more than 265 branches across the State of North Carolina. The credit union ahs a presence in each of the one hundred counties in the state, meaning no matter where you live in North Carolina, SECU is just around the corner. For a complete listing of SECU branch locations, standalone ATMs, directions, and more, please visit the credit union’s official website.

FAQs About State Employees Credit Union

Here are answers to common questions about SECU of North Carolina:

  • The routing number of SECU is 253177049.
  • State Employees Credit Union formerly offered free tax preparation for members. This program no longer exists, however.
  • Credit Unions are insured through the National Credit Union Administration (NCUA) for up to $250,000 per account.


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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.