The Credit Union is open Monday thru Friday from 8:30 am - 5:30 pm. View our calendar for designated holidays. For immediate assistance, or for questions and/or concerns, please contact your local branch office. You may contact our 24/7 Member Services at any time for all of your financial needs at (888) 732-8562.
Zard is a group of LGFCU products and services designated for members between the ages of 13 and 19. This account has all of the things you're looking for, like great rates on used car loans, and none of the things you don't — like a pile of expensive fees.
The three-digit voice response number is a member chosen code, that allows access to our automated phone system, ASK SECU and also allows a member to register for an online member access account.
How to Open an Account. Check out our BECU Switch Kit for help on leaving your bank and joining our co-op. Visit our Membership page and apply online. Apply in person at a Neighborhood Financial Centers.
Thank you for your interest in our Visa Credit Card program. 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.
Open a Standard Checking Account Today.
- A $500 deposit opens an SECU Checking Account.
- An average daily balance of $500 or more will earn interest and be paid monthly.
- A $4 monthly service charge will be charged to accounts that fall below $500.
- No fee will be charged during the month the account is opened.
A share account is a savings or checking account at a credit union. These accounts establish your share of ownership and allow you to use the great features a credit union has to offer as a member.
A dividend-bearing checking account offers the ideal combination of easy access to your money with the earning potential of a savings account. Much like a savings account or certificate of deposit (CD), a dividend-bearing checking account is a way to earn a return on the balance in your account.
$500.00 cash withdrawal limit per 24 hour period.
Funds from any deposits (cash or check) made at automated teller machines (ATMs) we do not own or operate will be available as follows: The first $500 will be available the same business day of your deposit. The remainder becomes available on the third business day after the day of deposit.
Mobile Check DepositDeposit your checks, conveniently and securely, into your eligible SECU accounts using the camera on your mobile device.
With many credit unions now offering banking apps to complement online banking facilities, it means you can easily and quickly check your balance, transfer funds, and/or apply for a loan - at the touch of a button.
Please refer to individual branches for hours of service.
SECU Hours of Operation.
| Monday | 8:00am-4:30pm |
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| Tuesday | 8:00am-4:30pm |
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| Friday | 8:00am-4:30pm |
| Saturday | Closed |
| Sunday | Closed |
SECU is the second largest natural member credit union in the United States, both in asset size and in membership. Membership in the credit union is primarily limited to employees of the state of North Carolina and their immediate family or the immediate family of current SECU members.
Our branches are open from 8:30 am - 5:30 pm, Monday - Friday, except designated holidays. You can reach our 24/7 Member Services at 1-888-732-8562.
Online Services and TechnologyHowever, it's possible to find national credit unions with digital banking options that provide most of the services you need.
Access to your money
- You can usually withdraw money at any time.
- Some credit unions will give you a debit card.
- You can usually take out cash at the local credit union office or sometimes arrange a transfer to your bank account.
You can transfer funds from your bank account directly into your Credit Union account using your Credit Union IBAN and BIC number. This number can be located on the bottom of any lodgement receipt or if you have registered for cu online you will find it on your cu online account.
There are many ways you can pay / take money Out of the Credit Union. Online from your bank or building society account: You can now have access to your Credit Union Plus online, you can transfer money, pay bills, and view your accounts.
There are many benefits of credit union membership.
- Personalized customer service.
- Higher interest rates on savings.
- Lower fees.
- Lower loan rates.
- Community focus.
- Voting rights.
- Variety of service offerings.
- Insured deposits.
Money received by standing order or through Electronic Funds Transfer can take one to two days to cross accounts but, after that, they are cleared straight away.
How do I log in to Online Banking?
- Go to Online Banking.
- Enter your customer number or card number and select 'Log in'.
- You'll be asked for three random characters from both your PIN and password. Type this then press 'Next'.
- If you're asked for a one-time passcode, have your mobile phone or card reader handy.
Credit Unions are now offering current accounts to members. Account-holders will be given a globally accepted Mastercard Debit Card with contactless payments, standing orders, direct debits, and an overdraft facility. Credit Union members will be able to open an account online or in person at a Credit Union branch.
Credit unions can make loans to members including car loans, home improvement loans, holidays, bridging loans, special occasions, education, weddings, Christmas, medical or emergencies. It may require security for the loan – this depends on the credit union's own rules. There are limits on the amount of any loan.
Deposits will be shown in your available balance upon your next login after deposit. The balance of deposits in excess of $500 made after 4:00 pm ET will be available on the 2nd business day after your deposit.
Accounts are considered ineligible if: The account has more than two Returned Deposited Items within three statement cycles. You have restrictions on your account that prevent you from depositing or withdrawing funds. You have reported or we have detected fraudulent transactions on the account.
Check deposits at an ATMUnlike visiting a bank branch, you can deposit a check into any ATM at any time, as long as the ATM accepts checks. Just like when visiting your branch though, you may still have to wait around two business days before having access to all the funds depending on the amount of the check.
Download the Mobile Banking AppFirst, make sure your bank or credit union offers mobile check deposit. If it does, the website will often provide a download link to the bank's mobile app. Download the app onto a mobile device with a camera—Android, iPhone, and Windows devices are typically supported.
If we receive the image of an Item for deposit on or after 7 p.m. Pacific Time on a Business Day or on a weekend or a non-Business Day, we will consider the next Business Day as the day of deposit. 9.
You can make deposits in a snap with your iPhone® or Android™ device. Due to a new banking regulation, all checks deposited via a mobile service must include: “For Mobile Deposit Only” handwritten below your signature in the endorsement area on the back of the check or the deposit may be rejected.
To endorse a check, you simply turn it over and sign your name on the back. Most checks give you a space on the back for your endorsement. You'll see a few blank lines and an "x" that indicates where you should sign your name.
Write “pay to the order of” with your recipient's name or company. To sign a check over, you need to write “pay to the order of” and your third party's full name on the next line below your endorsement on the back of the check. The exact location may vary by bank.
A reversal means the amount of the item(s) deposited will be removed from your account and will reduce your account balance. The reversal may also result in a negative balance in your account and applicable fees may be applied.
