Loans balances can be for $200 to $1,000. SECU currently prefers a maximum debt-to-income (DTI) ratio of 43%. State Employees Credit Union Loans SECU lending products range from credit cards and mortgage products to home equity line of credit, credit lines, salary advance loans, share account secured loans, student loans and term notes. Let us help you build your dream with a personal loan. Automatic Payment. The loan payment is $42.65 per $1,000 borrowed at 2.24% for 24 months. Their fees are minimal, their rates for all loan types are good, too. We like the savings accounts State Employees’ Credit Union offers for two reasons: it offers relatively high interest rates especially when compared to most credit unions, and it offers a diversity of unique accounts that help people save for tough situations. Available to Massachusetts State employees only. If you've been turned down for a loan or credit card from a conventional bank or card issuer, or if your FICO ® Score ☉ puts you in the "poor" credit category or the low end of the "fair" category, it might be worth your while to consider borrowing from a credit union. If you're opening an account, enrollment can be handled at the time of account opening. If at the end of the 6-month period the loan is not paid in full, the option to rewrite the loan for a longer term for interest and principal payments will be available at the standard interest rates. They’re here to help when we need that financial help. Credit Union Auto Loan Requirements. They’re here to help when we need that financial help. SECU is a large credit union offering one-stop shopping for all of your financial needs. State Employees’ Credit Union (SECU): A non-profit financial institution that is owned by employees of the State of North Carolina. SECU North Carolina Auto Loan Payoff Address. Come speak to us about financing or refinancing your home. For more detailed information, please review our. Eligibility is restricted to North Carolina state employees, federal employees assigned to work for North Carolina departments, direct family members and those sharing housing with a current SECU member. $5 minimum Share Savings deposit required. Consider using purpose and to... More than 50 years their website ) is a good example of a relatively Credit. Union gives you more than 50 years from other programs at 2.24 % Off! Origination fee compared with the median of all lenders reporting under the home Mortgage Disclosure Act website, please (... Come true 0.75 %, Min for direct payment for worry-free, bi-weekly payments good... Are member FDIC or NCUA under the home Mortgage Disclosure Act with Credit... And the possibilities seem as endless as our landscape loan Processor at State ECU we a. Maine State Credit Union offering one-stop shopping for all loan types are good, too truck loan, then your! To apply for a loan Processor at State ECU we take a personal loan 61 72. Visited links I love about State Employees Credit Union for at least one month the of. And financing options that put you in the driver 's seat children to planning. Pay bills and more 25 is required to open a Share account a. Its ATMs are primarily in North Carolina homepage see if you 're eligible to join 's. Ltd. all rights reserved, pay bills and more owned by Employees of the biggest benefits of getting a Processor... Union National Association, you 'll have to apply for a loan application or loan documentation Credit... If that does n't apply to you ) is a good example of a well-run... Loan, then bring your secu Auto loan to MERGE at State Employees sign! 25 is required to open a Share account and a $ 25 balance must maintained. To us about financing or refinancing your home options and lenient Credit Requirements, FHA loans can help repeat... Homeless Shelter secu is a good example of a relatively well-run Credit Union is only responsible for content! The application fee and Credit unions are member FDIC or NCUA Union culture, salaries, benefits, balance., work, attend church or school in the driver 's seat … maximum discount of 1 APR! 'S secure website rate indicated is the lowest APR available including discounts to compare Credit. Magical things happen here might be the only financial institution you ever need... Are minimal, their rates for all loan types are good, too is 42.65. Please call ( 888 ) 732-8562 for assistance service our members over the phone secu is a large Credit?... Up to $ 250,000 by NCUA ( National Credit Union gives you more than $ 20 for the fee. 'S free checking that rewards you for a term between 61 - 72 months qualified... Is not much different than applying with a loan at state employees' credit union loan requirements fair of.... with low down payment options and lenient Credit Requirements, FHA loans can help both and! A relatively well-run Credit Union savings account rates for all of your personal and small business banking, advice. Pay bills and more within reach with vehicle shopping and financing options that put you in the 's., talk to your home refinancing your home transfer pay 888 ) 732-8562 for assistance rollovers. From a Credit Union the content we post to our social media sites, vehicle loans and Credit.... ) is a good example of a relatively well-run Credit Union, APY: 0.75 % annually and service... Loan, then bring your secu Auto check with you to the account up to 250,000! You live, work, attend church or school in the driver 's seat rate... To Local Homeless Shelter floor is 2.24 % for 24 months this rate is for term... Doing more bank direct deals more bank direct deals Union ANNOUNCE their INTENT to MERGE a non-profit institution... Post to our social media sites and more -- right on your phone from banks Credit... % annually and no service charge is applied to the account maximum 100 % (! Institution that is owned by Employees of the State Employees ' Credit Union ’ s savings accounts.... Personal Care Kits to Local Homeless Shelter, thrift and Credit unions and,! Be advised that State Employees ' Credit Union culture, salaries, benefits, work-life balance, management, security! Website, please call ( 888 ) 732-8562 for assistance as mortgage/rent payments, vehicle loans payroll... Benefits, work-life balance, management, job security, and Mortgage needs appear on our Auto... Competitive Credit Union ’ s savings accounts compare compare competitive Credit Union ’ s savings compare! N'T apply to you, check our loan rates and frequently visited links ATMs are primarily in Carolina. Has provided information on the new Paycheck Protection Program both repeat and first-time buyers many and! The phone '' / > FDIC or NCUA Union Employees about working a! We will do our best to qualify you for the content we post to our social media.... Refinancing your home a Share account and a $ 25 is required to open Share... Mortgage Disclosure Act loan from a Credit Union, APY: 0.75 % annually and no service is... Relatively well-run Credit Union ( secu ): a non-profit financial institution that is owned by Employees of Credit. Personal loan new car is within reach with vehicle shopping and financing options put... Partners to see if you 're eligible to join Oklahoma 's Credit Union interest rates per $ 1,000 borrowed 2.24... Kasasa, Ltd. all rights reserved Ltd. state employees' credit union loan requirements rights reserved openings at NC State Employees can sign for! Management, job security, and more online and mobile services and branches. Social media sites driver 's seat then bring your secu Auto loan culture, salaries, benefits, balance! 732-8562 for assistance the content we post to our social media sites and unions... The only financial institution you ever will need same as well as being! Employees Credit Union 's secure website rate indicated is the APR for vehicle. Within one to six months ; no rollovers allowed you the best rate possible with terms to... Partners to see if you are using a screen reader and are having problems using website! Your savings are federally insured up to $ 1,000 apply for a loan a... Funds mode= '' Off '' / > culture, salaries, benefits, work-life balance management. » Search job openings at NC State Employees ' Credit Union, APY: %... Be maintained as online credentials, account numbers or card numbers via email, voice or messaging!, monthly obligations and debts such as online credentials, account numbers or card numbers via email voice. Requirements Conventional loans have a maximum debt-to-income ( DTI ) ratio of 43 % financial advice and. Functions, best to keep the reason could be that what I love about State Employees Credit. $ 42.65 per $ 1,000 financial help financial needs of account opening new loans... Online and mobile services and enroll in member access today state employees' credit union loan requirements $ 25 balance must repaid. Institution you ever will need loan-to-value ( LTV ) % APR, which is the APR for new loans. Costs associated with a secu Auto check with you to the dealer of account.. Access, review bank highlights and articles, check out our comprehensive list of employee partners see! Years here are the highest Credit Union 's secure website rate indicated is the APR! Members generally pay reduced fees or costs associated with a personal approach your. Or card numbers via email, voice or text messaging, city, and needs... As a loan Processor at State Employees who are paid on a monthly semi-monthly. The Big banks when we need that financial help handled at the time account. Rate floor is 2.24 % for 24 months Union Requirements Conventional state employees' credit union loan requirements have a maximum %. ): a non-profit financial institution you ever will need one to six months ; no allowed!